Have you had enough of not being able to afford to pay your car insurance bill each month? You’re in the same situation as most other car owners.
Insurance companies such as GEICO and Progressive constantly bombard you with catchy ads and it is difficult to see through the deception and effectively compare rates to find the best deal.
The best way to compare insurance rates in your area is to know the trick most insurance companies pay for the opportunity to provide you with a free rate quote. To get started, all you need to do is give them some information like if the vehicle is leased, the year, make and model of vehicles, whether you have decent credit, and how old drivers are. Your information is instantly provided to many different companies and they respond with quotes quickly.
Companies like Allstate and Progressive consistently run ads on television and other media. All the ads make the same claim of big savings if you change to them. But how can every company claim to save you money? It’s all in the numbers.
All the different companies are able to cherry pick for the type of driver that earns them a profit. For example, a profitable customer could be a mature driver, owns a home, and drives less than 7,500 miles a year. Any new insured who matches those parameters is entitled to the best price and therefore will cut their rates substantially.
Potential insureds who fall outside these standards will be quoted higher rates which usually ends up with business going elsewhere. The ad wording is “customers who switch” but not “drivers who get quotes” save that much. That’s why companies can truthfully make those claims. This emphasizes why you should compare many company’s rates. It’s impossible to know which insurance companies will have the lowest Kia Sportage insurance rates.
Consumers need to have an understanding of some of the elements that come into play when calculating your insurance coverage rates. Knowing what impacts premium levels enables informed choices that will entitle you to much lower annual insurance costs.
The list below includes a partial list of the pieces insurance coverage companies consider when setting prices.
Companies that sell car insurance don’t necessarily list every discount in an easy-to-find place, so we took the time to find both the well known and the harder-to-find savings tricks you should be using.
Drivers should understand that some credits don’t apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, companies don’t profit that way.
Insurance companies that may have these benefits may include but are not limited to:
Before buying, ask each insurance company what discounts are available to you. All car insurance discounts may not be available in every state.
When buying adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. For example, these questions might help in determining if your situation will benefit from professional help.
If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.
Having a good grasp of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types offered by insurance companies.
Collision coverage will pay to fix damage to your Sportage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for claims like hitting a mailbox, sideswiping another vehicle, backing into a parked car, colliding with another moving vehicle and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.
Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.
Coverage for medical payments and/or PIP reimburse you for immediate expenses for dental work, rehabilitation expenses, prosthetic devices and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
This coverage protects you from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.
Liability coverage pays for things such as court costs, repair bills for other people’s vehicles, emergency aid, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.
Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims such as damage from a tornado or hurricane, fire damage, falling objects and theft. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.
In this article, we presented a lot of ways to save on 2006 Kia Sportage insurance. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest premiums are with some of the smallest insurance companies. Regional companies may only write in your state and offer lower rates than their larger competitors like State Farm or Progressive.
When buying insurance coverage, it’s very important that you do not buy less coverage just to save a little money. In many cases, an accident victim reduced full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage for the lowest price while not skimping on critical coverages.
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