Comparing insurance rates online might seem complicated at first if you are a beginner to quoting online. But don’t let that discourage you because finding affordable coverage online is easier than you think.
It’s a good habit to check insurance prices every six months since insurance rates change regularly. Even if you think you had the lowest price on Sportage insurance six months ago you can probably find a lower rate today. Starting right now, block out anything you think you know about insurance because it’s time to teach you the fastest and easiest way to find better rates and still maintain coverage.
Finding affordable coverage is quite easy. If you currently have car insurance, you stand a good chance to be able to save some money using this information. Nevertheless, consumers benefit from understanding the methods companies use to determine prices because it can help you find the best coverage.
There are several ways of comparing rate quotes from auto insurance companies in your area. By far the easiest way to find the lowest 2014 Kia Sportage rates is to get quotes online. This can be accomplished in a couple of different ways.
To view a list of companies in your area, click here.
It’s your choice how you get your quotes, but be sure to compare identical coverages and limits for every quote you compare. If the quotes have different deductibles it will be next to impossible to make an equal comparison. Just a small difference in limits may result in a large different in cost. And when comparing auto insurance rates, know that getting more free quotes gives you a better chance of getting the best rates.
When buying the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different.
Here are some questions about coverages that can help discover if you would benefit from professional advice.
If it’s difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, complete this form.
Having a good grasp of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.
Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for bills for things like pain medications, dental work, funeral costs, prosthetic devices and chiropractic care. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible
Collision coverage – Collision insurance covers damage to your Sportage caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things like colliding with another moving vehicle, crashing into a building, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.
Comprehensive insurance – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive can pay for things like hitting a deer, damage from flooding, theft and damage from getting keyed. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2014 Kia Sportage.
Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Liability coverage – This coverage provides protection from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.
Liability can pay for claims like medical expenses, bail bonds, funeral expenses and legal defense fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.