Paying for high-priced Kia Sportage insurance can take a big chunk out of your bank account and force you to make sacrifices. Comparison shopping is a smart way to reduce premiums and put more money in your pocket. Because there are so many car insurance companies to choose from, it’s nearly impossible to pick the lowest price car insurance company.
It is always a good idea to take a look at other company’s rates at least once a year because prices are usually higher with each renewal. Just because you found the best deal on Sportage coverage last year there may be better deals available now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate how to use the internet to properly buy coverages while reducing your premium.
Car insurance is not cheap, but you may find discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time you complete a quote, but less common discounts must be requested specifically prior to getting the savings. If you don’t get every credit available, you’re paying more than you need to.
It’s important to note that most discounts do not apply to the entire policy premium. Most only reduce specific coverage prices like medical payments or collision. Even though it may seem like all those discounts means the company will pay you, auto insurance companies aren’t that generous. Any amount of discount will reduce the cost of coverage.
Car insurance companies that may have some of the above discounts include:
Before buying, ask each company what discounts are available to you. All car insurance discounts might not apply in your state.
There are multiple methods you can shop for 1999 Kia Sportage car insurance but one way is more efficient than others. You could spend the better part of a day driving to local insurance agents in your area, or you can utilize online quoting to maximize your effort.
Most major companies enroll in a system where prospective buyers complete one form, and each company provides a quote for coverage. This prevents consumers from doing form submissions for each company.
To participate in this free quote system, click here (opens in new window).
The single downside to pricing coverage this way is you don’t know exactly which carriers to get pricing from. So if you want to choose individual companies to request quotes from, we have assembled a list of car insurance companies in your area. Click to view list.
However you get your quotes, make sure you use apples-to-apples deductibles and coverage limits for every quote you compare. If each company quotes different limits and deductibles on each one you will not be able to decipher which rate is best.
When choosing adequate coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions can help discover if you would benefit from an agent’s advice.
If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It only takes a few minutes and you can get the answers you need.
Learning about specific coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages found on most car insurance policies.
Comprehensive or Other Than Collision – This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as fire damage, damage from getting keyed and hitting a deer. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection 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 1999 Kia Sportage.
Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.
Collision coverage – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for claims such as colliding with another moving vehicle, damaging your car on a curb, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, 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.
Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for bills such as EMT expenses, funeral costs, doctor visits and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay
Auto liability – This coverage provides protection from damages or injuries you inflict on a person or their property by causing an accident. It protects you from claims by other people, 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. Your policy might show values of 100/300/100 that translate to 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. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage protects against things such as emergency aid, medical expenses, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.
When shopping online for insurance, make sure you don’t buy less coverage just to save a little money. In many instances, an insured cut liability coverage limits to discover at claim time that it was a big error on their part. The aim is to find the BEST coverage at the best price.
Cheaper 1999 Kia Sportage insurance can be purchased from both online companies in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.