Finding low-cost insurance for your Kia Sportage can turn out to be difficult, but you can learn the following methods and make it easy.
There are both good and bad ways to buy insurance coverage and we’ll show you the quickest way to compare rates on a Kia and find the cheapest rates either online or from local insurance agents.
An important part of buying insurance is that you know the different types of things that come into play when calculating auto insurance rates. Understanding what influences your rates helps enable you to make changes that may reward you with big savings.
Properly insuring your vehicles can get expensive, but companies offer discounts that you may not even be aware of. Most are applied when you purchase, but some must be asked for before you get the savings. If they aren’t giving you every credit possible, you’re paying more than you need to.
As a disclaimer on discounts, many deductions do not apply to all coverage premiums. A few only apply to specific coverage prices like collision or personal injury protection. Just because it seems like you can get free auto insurance, auto insurance companies aren’t that generous. But all discounts will bring down your overall premium however.
Insurance companies who might offer these benefits include:
Check with each company what discounts are available to you. Some discounts might not apply in your area.
Drivers get pounded daily by advertisements for cheaper car insurance by GEICO, State Farm and Progressive. They all seem to say the same thing about savings if you switch to their company.
But how can every company say the same thing?
Different companies are able to cherry pick for the right customer that earns them a profit. For instance, a desirable insured could possibly be between the ages of 40 and 55, is a homeowner, and drives less than 10,000 miles a year. A propective insured that hits that “sweet spot” will get the preferred rates and most likely will save a lot of money.
Potential customers who don’t qualify for the “perfect” profile will have to pay higher rates and ends up with business not being written. The ad wording is “people who switch” not “people who quote” save that kind of money. This is how insurance companies can claim big savings.
Because of the profiling, it is so important to compare as many rates as you can. Because you never know the company that will fit your personal profile best.
When it comes to buying the right insurance coverage, there really is not a “best” method to buy coverage. Each situation is unique.
For instance, these questions may help highlight if your situation will benefit from professional help.
If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can help protect your family.
Learning about specific coverages of auto insurance aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.
This pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for things such as hail damage, fire damage and hitting a deer. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Liability coverage provides protection from injuries or damage you cause to other’s property or people that is your fault. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.
Liability coverage protects against claims such as legal defense fees, loss of income, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.
This coverage covers damage to your Sportage caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for things like crashing into a building, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.
Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Kia Sportage.
Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Med pay and PIP coverage provide coverage for immediate expenses for things like nursing services, hospital visits and pain medications. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible
Insureds who switch companies do it for a variety of reasons including extreme rates for teen drivers, not issuing a premium refund, delays in responding to claim requests or even lack of trust in their agent. It doesn’t matter why you want to switch choosing a new company is not as hard as you think.
Low-cost 1998 Kia Sportage insurance can be purchased from both online companies as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some companies don’t offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.
When shopping online for insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced full coverage and discovered at claim time that it was a big error on their part. Your aim should be to find the BEST coverage at a price you can afford, not the least amount of coverage.
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