2006 Kia Sportage Insurance Cost

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.

Car insurance myths debunked

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.

Factors influencing 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.

  • Rates may be higher depending on your occupation – Jobs such as lawyers, executives and dentists tend to have the highest average rates attributed to job stress and lots of time spent at work. Other jobs such as actors, historians and the unemployed receive lower rates for Sportage insurance.
  • Policy add-ons can waste money – There are a ton of extra bells and whistles that you can get tricked into buying when buying insurance coverage. Insurance for vanishing deductibles, accidental death and additional equipment coverage are examples of these. They may seem good when talking to your agent, but now you might not need them so eliminate the coverages to reduce your premium.
  • Where do you drive? – The more you drive every year the higher your rates will be. The majority of insurers rate vehicles based upon how you use the vehicle. Cars and trucks used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. An improperly rated Sportage may be costing you. Double check that your insurance coverage policy is showing the correct driver usage, because improper ratings can cost you money.
  • Safer occupants lowers premiums – Cars with high safety ratings can get you lower premiums. Safer cars result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you. If your Kia Sportage earned at least four stars on Safercar.gov you are probably receiving a discount.
  • Do you know you’re credit rating? – Having a bad credit history is a huge factor in your rate calculation. If your credit history is not that good, you could be paying less to insure your 2006 Kia Sportage by repairing your credit. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have lower credit scores.
  • Increase deductibles and save – Your deductibles define the amount you are required to spend out-of-pocket before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply could be running into the backend of another car, vandalism, and burglary. The more money you are required to pay out-of-pocket, the less your company will charge you for insurance for Sportage insurance.
  • Males pay more for insurance – Statistics have proven women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Men and women cause accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations like DUI and reckless driving.
  • How many coverages with the same company – The majority of insurers will give a discount to people who have multiple policies with them in the form of a multi-policy discount. Even with this discount, it’s still a good idea to comparison shop to confirm you are receiving the best rates possible.

Best discounts on Kia Sportage coverage

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.

  • Bundle and Save – If you insure your home and vehicles with the same insurance company you may save 10% to 20% off each policy.
  • Defensive Driver – Taking a course in driver safety could save 5% or more depending on where you live.
  • No Accidents – Good drivers with no accidents can earn big discounts compared to bad drivers.
  • Low Mileage Discounts – Driving fewer miles could qualify for better rates on cars that stay parked.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last until age 25.

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.

Tailor your coverage to you

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.

  • Do I have coverage when using my vehicle for my home business?
  • Does liability extend to a camper or trailer?
  • Am I covered if I wreck a rental car?
  • I have health insurance so do I need medical payments coverage?
  • If my 2006 Kia Sportage is totaled, can I afford another vehicle?
  • Does my insurance cover my expensive audio equipment?
  • When would I need additional glass coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered when driving someone else’s vehicle?

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.

Learn about insurance coverages for a 2006 Kia Sportage

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.

Auto collision coverage

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.

Uninsured or underinsured 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.

Medical expense coverage

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

Liability car insurance

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 protection

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.

At the end of the day…

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.

For more information, feel free to visit the articles below: