There are more efficient ways to shop for auto insurance so we’re going to tell you the absolute fastest way to price shop coverage for a new or used Kia and obtain the best price possible from both online companies and local agents.
It’s a good habit to compare rates yearly since insurance rates change frequently. Just because you found the best deal for Sportage coverage on your last policy there is a good chance you can find better rates now. Ignore everything you know about auto insurance because you’re about to learn the quickest way to save money, get proper deductibles and limits, all at the lowest rate.
The quickest method we recommend to compare rates is to know the fact most larger insurance companies provide online access to compare their rates. The only thing you need to do is provide a little information such as if you are currently licensed, driver details, coverage limits, and how much you drive. That rating data is automatically sent to all major companies and you will get price comparisons immediately.
When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.
For example, these questions may help you determine whether you would benefit from professional advice.
If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.
Having a good grasp of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.
Liability coverage will cover damage that occurs to a person or their property in an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.
Liability can pay for things like pain and suffering, funeral expenses and court costs. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.
Collision coverage will pay to fix damage to your Sportage from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as crashing into a building, driving through your garage door and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.
Coverage for medical payments and/or PIP reimburse you for expenses for things like chiropractic care, nursing services, surgery, dental work and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Kia Sportage.
Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually these coverages are set the same as your liablity limits.
This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things such as theft, damage from a tornado or hurricane and falling objects. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.