2013 Kia Sportage Insurance Rates – 9 Policy Discounts

Want lower auto insurance rates for your Kia Sportage? Are you overwhelmed by the wide range of auto insurance choices? Lot’s of other consumers are too. You have so many companies to choose from that it can be a real hassle to find better rates.

Smart consumers take time to compare prices periodically because prices change quite often. Despite the fact that you may have had the best price for Sportage insurance a couple years back you will most likely find a better rate today. Starting now, forget all the misinformation about auto insurance because it’s time to teach you the best methods to reduce your cost while increasing coverage.

Compare the Market for Auto Insurance

Shopping for lower auto insurance rates can take time and effort if you don’t utilize the most efficient way to do it. You could spend your day discussing policy coverages with agents in your area, or you could save time and use online quotes to get rates in a matter of minutes.

Many popular insurance companies enroll in a system that allows shoppers to enter their coverage request one time, and each company returns a rated price determined by their information. This eliminates the need for form submissions for every auto insurance company.

To participate in this free quote system, click to open in new window.

The single downside to using this type of form is that consumers can’t choose the companies you will receive quotes from. If you prefer to choose specific providers to compare rates, we have assembled a list of companies who write auto insurance in your area. Click here to view list.

Which method you use is up to you, but make absolute certain that you use identical quote information for every quote you compare. If you use differing limits you can’t possibly find the best deal for your Kia Sportage. Quoting even small variations in limits may result in large price differences. Just keep in mind that having more price comparisons will enable you to find lower pricing.

Are car insurance companies telling the truth?

GEICO, State Farm and Progressive consistently run television and radio advertisements. All the companies make the same claim that you’ll save big if you change to their company. How do they all make almost identical claims? This is how they do it.

Different companies are able to cherry pick for the type of driver that makes them money. A good example of a profitable customer might be profiled as over the age of 40, insures multiple vehicles, and has a short commute. A customer getting a price quote who matches those parameters will get the preferred rates and most likely will save when switching.

Consumers who don’t qualify for the requirements will be charged higher rates and ends up with business not being written. The ads state “people who switch” not “everyone that quotes” save that kind of money. That is how companies can truthfully claim big savings. That is why you absolutely need to quote coverage with many companies. It’s just too difficult to predict the company that will fit your personal profile best.

Save big with these nine discounts

Auto insurance companies don’t always list every available discount in an easy-to-find place, so the following is a list of both well-publicized and the more hidden discounts you could be receiving.

  • Save with a New Car – Insuring a new car can save up to 30% compared to insuring an older model.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • No Accidents – Drivers with accident-free driving histories pay much less compared to drivers who are more careless.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • Distant Student – Children who live away from home and don’t have a car can be insured at a reduced rate.
  • Paperless Signup – A few companies give back up to $50 simply for signing on their website.
  • Seat Belt Usage – Requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • Good Student – This discount can save 20 to 25%. The discount lasts until age 25.

As a disclaimer on discounts, some credits don’t apply the the whole policy. Some only apply to individual premiums such as liability and collision coverage. Just because you may think you could get a free insurance coverage policy, companies don’t profit that way.

Insurance companies that may have these discounts may include but are not limited to:

It’s a good idea to ask each insurance company which discounts you may be entitled to. Savings might not apply everywhere.

But I don’t know anything about car insurance

When buying coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions might help in determining if your situation would benefit from an agent’s advice.

  • Can my teen driver be rated on a liability-only vehicle?
  • How does medical payments coverage work?
  • Is extra glass coverage worth it?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my medical payments coverage pay my health insurance deductible?
  • Does my policy cover my teen driver if they drive my company car?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance coverage information

Learning about specific coverages of your policy helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for immediate expenses such as pain medications, prosthetic devices and surgery. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision – Collision insurance covers damage to your Sportage resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a ditch, sideswiping another vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability auto insurance – This coverage provides protection from damage that occurs to other people or property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like structural damage, repair costs for stationary objects, repair bills for other people’s vehicles, medical expenses and pain and suffering. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Kia Sportage.

Because many people 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 a good idea.

Comprehensive coverage – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a broken windshield, falling objects, fire damage and hitting a deer. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

In Summary

People switch companies for a variety of reasons including high prices, lack of trust in their agent, being labeled a high risk driver and even delays in responding to claim requests. No matter why you want to switch, finding the right auto insurance provider is not as hard as you think.

Budget-conscious 2013 Kia Sportage insurance can be found both online and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

When trying to cut insurance costs, it’s a bad idea to reduce needed coverages to save money. Too many times, drivers have reduced liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage for the lowest price while still protecting your assets.

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