Cheapest 2005 Kia Sportage Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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Looking for the cheapest insurance coverage rates for your Kia Sportage? Saving money on insurance coverage can be nearly impossible for consumers not familiar with comparison shopping online. There are so many companies to choose from that it can easily become a real hassle to locate the lowest price.

You should make it a habit to do rate comparisons quite often since insurance rates trend upward over time. If you had the lowest price on Sportage coverage two years ago other companies may now be cheaper. Don’t believe everything you read about insurance coverage on the web, but with this article, you’re going to get a lot of great tips on how to stop overpaying for insurance.

Buying more affordable protection is quite easy. Essentially everyone who is required by state law to have car insurance will be able to find better rates. But car owners must know the way companies market on the web because it can help you find the best coverage.

Free Quotes for Insurance

Performing a rate comparison can be challenging if you don’t utilize the most efficient way. You can waste a lot of time driving to insurance companies in your area, or you can utilize online quotes to accomplish the same thing much quicker.

Most of the best insurance companies enroll in a system where prospective buyers enter their policy data once, and each company provides a quote. This system prevents you from having to do quotation requests for each company.

To find out how much you’re overpaying now click here (opens in new window).

The one downside to getting quotes like this is you don’t know exactly the companies you want pricing from. If you prefer to choose individual companies for rate comparison, we put together a list of insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make sure you use identical coverages for each price quote. If you have different liability limits it will be very difficult to decipher which rate is best. Having just a slight variation in limits can mean a large discrepancy in price. Just remember that quoting more will improve the odds of getting the best offered rates.

Tailor your coverage to you

When choosing coverage, there isn’t really a cookie cutter policy. Each situation is unique.

Here are some questions about coverages that could help you determine if you would benefit from an agent’s advice.

  • Is my state a no-fault state?
  • Do all my vehicles need collision coverage?
  • How can I force my company to pay a claim?
  • Should I rate my 2005 Kia Sportage as pleasure use or commute?
  • Why is insurance for a teen driver so high?
  • Is my cargo covered for damage or theft?
  • Does my medical payments coverage pay my health insurance deductible?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does my policy cover my teen driver if they drive my company car?

Free Auto Insurance Comparison

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If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form.

Auto insurance policy specifics

Having a good grasp of auto insurance helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Auto liability – This provides protection from damage or injury you incur to other’s property or people. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like attorney fees, medical services, legal defense fees and emergency aid. How much coverage you buy is your choice, but buy higher limits if possible.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for bills such as EMT expenses, surgery and pain medications. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Collision coverage – This pays for damage to your Sportage resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a ditch, hitting a parking meter, crashing into a building and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverages – This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a broken windshield, hail damage, hitting a deer, vandalism and damage from flooding. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2005 Kia Sportage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

How can I find the cheapest auto insurance rates for my 2005 Kia Sportage in 2023?

To find the cheapest insurance rates for your 2005 Kia Sportage, you can use online quote tools that allow you to compare rates from multiple insurance companies. Simply enter your zip code to view companies with cheap auto insurance rates. It’s important to compare quotes regularly since insurance rates can change over time.

How do I perform a rate comparison for auto insurance?

Performing a rate comparison is easier and more efficient when you utilize online quote tools. These tools allow you to enter your policy information once, and then you receive quotes from multiple insurance companies. This saves you time compared to visiting insurance companies in person. However, keep in mind that when using online quote tools, you may not know the specific companies providing the quotes. If you prefer to choose individual companies for comparison, you can find a list of insurance companies in your area.

Should I tailor my auto insurance coverage?

Yes, it’s important to tailor your auto insurance coverage to your specific needs. There is no one-size-fits-all policy, as each situation is unique. To determine the coverage options that would benefit you, consider factors such as your driving habits, the value of your vehicle, and your personal financial situation. If you’re unsure about the coverages you need, it may be helpful to consult with a licensed insurance agent.

What are the different types of auto insurance coverages?

Auto insurance policies include different types of coverage:

  • Liability coverage: Protects against claims for damage or injury caused to others, including bodily injury and property damage liability.
  • Medical payments (MedPay) or Personal Injury Protection (PIP): Covers medical expenses resulting from an accident, regardless of fault, and may include additional injury-related costs.
  • Collision coverage: Pays for damage to your vehicle caused by a collision with another car or object.
  • Comprehensive coverage: Covers damage to your vehicle from non-collision incidents, such as theft, vandalism, or natural disasters.
  • Uninsured/underinsured motorist coverage: Provides protection if you’re in an accident with an uninsured or underinsured driver who cannot cover the damages.

How much auto insurance coverage should I buy?

The amount of coverage you should buy depends on your individual circumstances and preferences. It’s generally recommended to have sufficient liability coverage to protect your assets in case of an accident. Higher coverage limits provide more financial protection but may come with higher premiums. Consider your personal financial situation, the value of your vehicle, and any specific risks you may face on the road.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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