I can’t think of a single person who enjoys paying for auto insurance, particularly when the cost is too high.
With so many insurance providers from which to choose, it is hard for the average consumer to pick the lowest cost provider.
Shopping for lower car insurance rates can be challenging if you aren’t aware of the most efficient way to do it. You can waste a lot of time talking to agents in your area, or you could save time and use online quotes to get pricing more quickly.
Most car insurance companies belong to an insurance system that enables customers to enter their coverage request one time, and each participating company can give them a price for coverage. This system prevents you from having to do quotation requests for each company. To compare pricing click here to open in new window.
The only downside to getting quotes like this is you cannot specify the insurers to get quotes from. If you prefer to choose specific insurance companies to receive pricing from, we put together a list of low cost car insurance companies in your area. Click here to view list.
It doesn’t matter which method you choose, just compare exactly the same quote information with every price quote. If the quotes have different deductibles it’s impossible to determine the lowest rate for your Kia Sportage. Just a small difference in limits can make a big difference in price. And when comparison shopping, comparing a large number of companies will increase your chances of finding the best offered rates.
The cost of insuring your cars can be expensive, but there are discounts available to help offset the cost. A few discounts will automatically apply at the time of quoting, but a few need to be requested specifically prior to receiving the credit.
Keep in mind that most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any qualifying discounts will cut your overall premium however.
A partial list of companies who might offer some of the above discounts include:
It’s a good idea to ask each company which discounts you may be entitled to. Savings might not apply in your state.
When choosing the best car insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether your personal situation would benefit from an agent’s advice.
If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.
Learning about specific coverages of a car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average car insurance policy.
Collision coverage – This covers damage to your Sportage resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.
Collision insurance covers claims such as colliding with another moving vehicle, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.
Comprehensive coverages – Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against things like a tree branch falling on your vehicle, damage from getting keyed, damage from flooding, fire damage and hail damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Kia Sportage.
Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.
Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like chiropractic care, nursing services and doctor visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay
Liability – This coverage protects you from injuries or damage you cause to a person or their property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.
Liability coverage protects against claims such as funeral expenses, loss of income, structural damage and legal defense fees. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.
We just showed you some good ideas how to shop for 2008 Kia Sportage insurance online. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. Consumers may even find the most savings is with some of the lesser-known companies. These smaller insurers can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.
When buying insurance coverage, you should never reduce coverage to reduce premium. In too many instances, drivers have reduced collision coverage to discover at claim time that the savings was not a smart move. Your goal should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.