Did you fall for a flashy sales pitch and buy an underperforming, overpriced insurance coverage policy? Trust us when we tell you you’re not the only one.
Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate constantly bombard you with ad campaigns and consumers find it hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.
You need to get comparison quotes periodically because rates are usually higher with each renewal. Just because you had the best deal on Sportage insurance a few years ago the chances are good that you can find a lower rate today. Don’t believe everything you read about insurance coverage on the internet, so by reading this article, you’re going to learn some of the best ways to quit paying high insurance coverage rates.
The method we recommend to compare rates is to know the trick almost all companies allow for online access to provide you with a free rate quote. All you need to do is provide a small amount of information including how old drivers are, if it has an alarm system, if you have a valid license, and if a SR-22 is required. The data is then sent to many highly-rated insurers and you will receive price estimates almost instantly.
Insurance providers like State Farm, GEICO and Progressive continually stream ads on television and other media. They all make the same claim of big savings after switching to them. But how can every company make almost identical claims?
Different companies are able to cherry pick for the type of customer that makes them money. A good example of a preferred risk could be between 30 and 50, has no driving citations, and drives less than 10,000 miles a year. A propective insured who matches those parameters is entitled to the best price and most likely will pay quite a bit less when switching companies.
Potential customers who fall outside these standards must pay a higher premium and ends up with business going elsewhere. Company advertisements say “people who switch” not “people who quote” save that much money. This is how companies can truthfully advertise the savings.
This illustrates why it is so important to get a wide range of price quotes. You cannot predict which insurance company will fit your personal profile best.
Car insurance is not cheap, but there could be available discounts that can drop the cost substantially. Some discounts apply automatically at the time of purchase, but less common discounts must be asked about prior to receiving the credit.
It’s important to note that most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as comp or med pay. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way. Any qualifying discounts will cut your premiums.
Insurance companies who might offer some of the above discounts include:
Double check with each insurance company what discounts are available to you. Savings may not be available in every state.
When it comes to choosing the best car insurance coverage, there is no cookie cutter policy. Each situation is unique so this has to be addressed. Here are some questions about coverages that could help you determine whether your personal situation might need professional guidance.
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.
Knowing the specifics of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average insurance policy.
Collision coverage protection
This coverage covers damage to your Sportage resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as hitting a mailbox, sideswiping another vehicle, colliding with another moving vehicle, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.
Uninsured and underinsured coverage
This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Kia Sportage.
Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.
Coverage for medical payments
Coverage for medical payments and/or PIP pay for expenses like doctor visits, rehabilitation expenses, EMT expenses and chiropractic care. They are used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage
Coverage for liability
Liability insurance will cover damage that occurs to other people or property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which provides one coverage limit without having the split limit caps.
Liability can pay for things like funeral expenses, loss of income, emergency aid, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.
This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as vandalism, a broken windshield, damage from getting keyed and hitting a bird. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Throughout this article, we presented a lot of information how to reduce 2000 Kia Sportage insurance prices online. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even find the best prices are with the smaller companies. These companies often have lower prices on specific markets than the large multi-state companies such as State Farm and Allstate.
When you buy insurance online, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your focus should be to find the BEST coverage for the lowest price, not the least amount of coverage.
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