2014 Kia Sportage Insurance Quotes – 5 Discounts for Cheaper Rates

Searching for the cheapest car insurance rates for your Kia Sportage? Comparison shopping for car insurance is difficult for consumers not familiar with comparing rates online. People have so many options available that it can easily become a ton of work to find the best price.

You should take the time to price shop coverage before your policy renews because prices change regularly. Even if you think you had the best rates on Sportage insurance a year ago there may be better deals available now. Starting right now, forget anything you know (or think you know) about car insurance because it’s time to teach you how to quote online to reduce your cost while increasing coverage.

If you have car insurance now, you will be able to reduce your rates substantially using these techniques. The purpose of this post is to tell you the most effective way to quote insurance and some tricks to saving. But vehicle owners must learn how the larger insurance companies price insurance differently.

The quickest way to get policy rate comparisons is to take advantage of the fact most of the larger companies pay for the opportunity to give rate comparisons. To start a quote, the only thing you need to do is provide information including driver details, your general credit rating, whether or not you need a SR-22, and your job. That information is then sent to many different companies and they return quotes immediately.

To compare rates now, click here and enter your coverage details.

More discounts equal less premium

Companies that sell car insurance don’t list all available discounts in a way that’s easy to find, so we took the time to find both well-publicized as well as the least known auto insurance savings.

• Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
• Multiple Policy Discount – If you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
• Good Students Pay Less – Getting good grades can save 20 to 25%. The discount lasts up to age 25.
• Homeowners Pay Less – Owning a house can save you money because of the fact that having a home is proof that your finances are in order.
• Low Mileage Discounts – Fewer annual miles on your Kia could be rewarded with better rates on cars that stay parked.

Drivers should understand that most credits do not apply to your bottom line cost. Some only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, you’re out of luck.

To see a list of insurers with the best auto insurance discounts, click this link.

It’s not one size fits all

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every situation is different.

For example, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Am I covered if I hit a deer?
• When would I need rental car insurance?
• Is my dog or cat covered if injured in an accident?
• When should I not file a claim?
• How can I force my company to pay a claim?
• Can I make deliveries for my home business?
• What are the best liability limits?
• Is my 2014 Kia Sportage covered for smoke damage?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form.

Insurance coverage considerations

Understanding the coverages of a insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Kia Sportage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverages – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a ditch, hitting a mailbox, rolling your car, scraping a guard rail and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Coverage for liability – Liability coverage protects you from damages or injuries you inflict on people or other property by causing an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as attorney fees, medical services, pain and suffering, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive insurance – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, hitting a deer, fire damage and hitting a bird. The maximum amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical expenses – Med pay and PIP coverage pay for expenses such as pain medications, EMT expenses, chiropractic care and funeral costs. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay