2012 Kia Sportage Insurance Rates

Searching for cheaper car insurance rates? Consumers have options when looking for low-cost Kia Sportage insurance. They can either spend hours calling around trying to get quotes or leverage the internet to get rate quotes.

There is a right way and a wrong way to shop for car insurance so you’re going to learn the proper way to quote coverages for a Kia and get the lowest price.

The purpose of this article is to introduce you to how to get online quotes and some money-saving tips. If you currently have a car insurance policy, you should be able to lower your premiums substantially using this strategy. Consumers just need to understand the tricks to compare company rates online.

These factors can influence Kia Sportage insurance rates

An important part of buying insurance is that you know the factors that go into determining auto insurance rates. Understanding what influences your rates helps enable you to make changes that will entitle you to lower auto insurance prices.

Listed below are a few of the “ingredients” that factor into prices.

  • Older drivers pay less – Teenage drivers are known to be careless and easily distracted in a vehicle so they pay higher auto insurance rates. Mature drivers are more cautious drivers, file fewer claims and get fewer tickets.
  • Do you need the policy add-ons? – There are a ton of extra bells and whistles that you can buy on your Sportage policy. Things like personal injury protection, towing coverage and motor club memberships may be wasting your money. These may sound like a good investment when you first buy your policy, but if you don’t need them remove them from your policy.
  • Consolidate policies to earn discounts – Many auto insurance companies give discounts to policyholders who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, you still need to compare rates to verify if the discount is saving money. You may still find better rates by buying insurance from more than one company.
  • Sex matters – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes are in accidents at a similar rate, but the males cause more damage. They also have more aggressive citations like reckless driving and DUI. Male drivers age 16 to 19 tend to get in the most accidents and thus pay the highest rates.
  • Clean credit earns discounts – Credit score is a important factor in your rate calculation. Drivers who have good credit tend to be better drivers and file fewer claims than drivers who have lower credit ratings. If your credit history is low, you could pay less to insure your 2012 Kia Sportage by repairing your credit.
  • Choose a safe vehicle and save – Cars with high safety ratings get lower rates. These vehicles reduce injuries and fewer injuries means lower claim amounts and more competitive rates for policyholders. If your Kia Sportage scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Allowing your policy to lapse raises rates – Allowing your coverage to lapse is a fast way to increase your auto insurance rates. And not only will insurance be more expensive, getting caught without coverage may earn you a revoked license or a big fine.

Companies offer discounts so take them!

Insurance can be prohibitively expensive, but you may find discounts to cut the cost considerably. Some trigger automatically when you purchase, but less common discounts must be manually applied in order for you to get them. If you’re not getting every credit possible, you’re paying more than you need to.

  • Auto/Life Discount – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • No Charge for an Accident – A few companies will forgive one accident before raising your premiums as long as you don’t have any claims for a certain period of time.
  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Sportage insurance with certain companies.
  • Save over 55 – Older drivers may receive better insurance rates on Sportage insurance.
  • College Student – Kids in college who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on Sportage insurance than less cautious drivers.
  • New Car Discount – Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.

Keep in mind that most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way. But all discounts will reduce the amount you have to pay.

Car insurance companies that possibly offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Savings might not be offered everywhere.

Do drivers who switch really save?

Consumers get pounded daily by advertisements for the lowest price auto insurance from companies such as Allstate, GEICO and Progressive. They all seem to say the same thing that you’ll save big after switching your policy.

How does each company claim to save you money?

Different companies can use profiling for the type of driver that makes them money. A good example of a driver they prefer could be between the ages of 30 and 50, has no prior claims, and has excellent credit. A propective insured that hits that “sweet spot” will qualify for the lowest rates and as a result will probably save a lot of money.

Potential customers who fall outside the “perfect” profile will be quoted higher premiums and this can result in business not being written. The ads say “people who switch” but not “drivers who get quotes” save that kind of money. This is how insurance companies can advertise the savings.

This emphasizes why it’s extremely important to quote coverage with many companies. It is impossible to predict the company that will fit your personal profile best.

Do I just need basic coverages?

When it comes to choosing the right insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that may help highlight if you might need professional guidance.

  • Should I waive the damage coverage when renting a car?
  • How much underlying liability do I need for an umbrella policy?
  • If I drive on a suspended license am I covered?
  • Does my medical payments coverage pay my health insurance deductible?
  • Are my friends covered when driving my car?
  • Can I make deliveries for my home business?
  • Do I need rental car coverage?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and may give you better protection.

Learn about insurance coverages for a 2012 Kia Sportage

Understanding the coverages of a insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage – Collision coverage covers damage to your Sportage resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as backing into a parked car, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a bird, a broken windshield, hail damage and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance – This coverage provides protection from damages or injuries you inflict on people or other property in an accident. This coverage protects you against other people’s claims, and doesn’t cover 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. As an example, you may have values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as funeral expenses, attorney fees, court costs, loss of income and emergency aid. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical costs insurance – Med pay and PIP coverage reimburse you for expenses like hospital visits, chiropractic care, doctor visits, dental work and rehabilitation expenses. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM Coverage – Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 2012 Kia Sportage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

More comparisons equals lower rates

Affordable 2012 Kia Sportage insurance is available from both online companies as well as from independent agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who don’t offer online price quotes and these regional insurance providers work with independent agents.

People leave their current company for a number of reasons such as extreme rates for teen drivers, questionable increases in premium, not issuing a premium refund or even denial of a claim. Regardless of your reason, switching companies can be less work than you think.

We just presented quite a bit of information on how to shop for insurance online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers could even find that the lowest rates come from a lesser-known regional company.

Additional information can be read on the following sites: