2011 Kia Sportage Insurance Quotes

Are you a victim of an overpriced insurance policy? Believe me, you’re not alone.

With so many choices, it’s nearly impossible to locate the cheapest company.

Finding affordable coverage is easy if you know what you’re doing. Just about anyone who has to buy auto insurance most likely will be able to find lower rates. But vehicle owners must comprehend how companies determine prices and use this information to your advantage.

The easiest way to compare insurance rates in your area is to take advantage of the fact most of the bigger providers actually pay money for the chance to provide you with a free rate quote. To get started, all you need to do is give the companies some data like what your job is, if the car is leased, how much coverage you want, and if you have a valid license. The rating information is then submitted to multiple different insurance companies and they provide comparison quotes instantly.

Switch companies and save? Really?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on television and other media. They all seem to make the same claim about savings if you switch to their company. How do they all make the same claim? It’s all in the numbers.

All the different companies can use profiling for the right customer they prefer to insure. A good example of a preferred risk might be profiled as between the ages of 30 and 50, a clean driving record, and has a high credit rating. A driver who meets those qualifications receives the best rates and therefore will save when switching.

Drivers who do not match the requirements will be quoted higher rates which usually ends up with business not being written. The ads state “drivers who switch” not “people who quote” save that much money. That’s the way insurance companies can state the savings.

This emphasizes why it is so important to get quotes from several different companies. Because you never know which auto insurance company will provide you with the cheapest Kia Sportage insurance rates.

Kia Sportage rates are in the details

An important part of buying insurance is that you know some of the elements that play a part in calculating auto insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

  • Optional equipment can affect rates – Choosing a vehicle with an alarm system can help bring down rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your car from being stolen.
  • Do you have a high stress job? – Careers like lawyers, social workers and financial analysts are shown to have higher average rates attributed to high stress levels and lots of time spent at work. Conversely, professions such as pilots, engineers and the unemployed pay the least for Sportage coverage.
  • Drive less and save money – Driving more miles in a year the higher your rates will be. Almost all companies rate vehicles based upon how you use the vehicle. Cars used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. Improper usage on your Sportage may be wasting your money. Double check that your auto insurance coverage properly reflects the proper vehicle usage, because it can save money.
  • Marriage pays dividends – Having a wife or husband helps lower the price on your auto insurance policy. Marriage translates into being more mature and it’s proven that being married results in fewer claims.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings get lower rates. Safe vehicles reduce injuries and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Kia Sportage earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Extra coverages can waste money – There are quite a few additional coverages that you can get tricked into buying if you aren’t careful. Coverages for roadside assistance, accidental death and additional equipment coverage may be wasting your money. These coverages may sound good initially, but now you might not need them so eliminate them to save money.
  • Poor credit can mean higher rates – Your credit rating is a huge factor in calculating your auto insurance rates. Drivers with excellent credit tend to file fewer claims and have better driving records than those with poor credit. So if your credit rating can use some improvement, you could save money insuring your 2011 Kia Sportage by spending a little time repairing your credit.
  • Bump up deductibles to save – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Kia. Examples of covered claims are running into the backend of another car, collision with an animal, and windstorm damage. Physical damage deductibles are how much you are willing to pay out-of-pocket before a claim is paid by your company. The more money you’re willing to pay, the less your auto insurance will be for Sportage coverage.

Get lower rates on Kia Sportage insurance

Insurance can cost an arm and a leg, but you may find discounts to help offset the cost. Some trigger automatically at the time of purchase, but a few need to be specifically requested before you get the savings.

  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Memberships – Belonging to certain professional organizations may earn a discount when buying insurance for Sportage coverage.
  • Auto/Home Discount – If you insure your home and vehicles with the same company you will save approximately 10% to 15%.
  • Distant Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • No Accidents – Claim-free drivers pay less when compared to accident-prone drivers.

It’s important to note that some credits don’t apply the the whole policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, you won’t be that lucky. Any qualifying discounts will bring down your premiums.

To see a list of insurance companies with the best insurance discounts, click here to view.

Tailor your coverage to you

When it comes to choosing coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if your insurance needs might need professional guidance.

  • What is roadside assistance coverage?
  • Do I need higher collision deductibles?
  • Can my teen driver be rated on a liability-only vehicle?
  • Exactly who is provided coverage by my policy?
  • How high should my medical payments coverage be?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is business property covered if stolen from my car?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Coverage specifics

Learning about specific coverages of a car insurance policy can help you determine the best coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and coverage can change by endorsement. These are the usual coverages found on most car insurance policies.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Kia Sportage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto liability

This protects you from damage or injury you incur to people or other property that is your fault. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like court costs, funeral expenses and loss of income. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Comprehensive car insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like vandalism, hitting a deer and fire damage. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for bills such as funeral costs, doctor visits and surgery. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage

This pays for damage to your Sportage from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sideswiping another vehicle, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Summing up your car insurance search

When you buy insurance online, it’s a bad idea to buy poor coverage just to save money. There are too many instances where consumers will sacrifice liability coverage limits only to discover later that the small savings ended up costing them much more. The proper strategy is to buy the best coverage you can find at the best price, not the least amount of coverage.

Budget-conscious 2011 Kia Sportage insurance can be bought online and with local insurance agents, so compare prices from both in order to have the best price selection to choose from. Some car insurance companies do not offer online quoting and these regional insurance providers work with independent agents.

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