Compare 2010 Kia Sportage Insurance Rates in 2024

Shopping for inexpensive car insurance may seem complicated initially since most people haven’t used price quotes online. Don’t let that bother you because we’re going to show you how.

You should make it a habit to compare prices once or twice a year because insurance prices go up and down regularly. Even if you got the best rate on Sportage coverage a year ago there may be better deals available now. Block out anything you think you know about car insurance because we’re going to show you the tricks you need to know to remove unneeded coverages and save money.

Find hidden discounts on insurance

Insurance can be prohibitively expensive, but there could be significant discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically when you complete an application, but some must be manually applied before you will receive the discount.

• Auto/Life Discount – Companies who offer life insurance give a small discount if you purchase life insurance.
• Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on Sportage coverage compared to rates paid by drivers with frequent claims.
• Seat Belt Discounts – Buckling up and requiring all passengers to use their safety belts can save up to 15% off the medical payments premium.
• Defensive Driver – Completing a defensive driver class could cut 5% off your bill and make you a better driver.
• Government Employees – Active or former government employment could provide a small rate reduction on Sportage coverage depending on your company.

Drivers should understand that many deductions do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, insurance companies aren’t that generous.

A few of the larger companies and some of the discounts are shown below.

• Mercury Insurance has discounts for multi-policy, type of vehicle, location of vehicle, accident-free, multi-car, and good student.
• Farmers Insurance may offer discounts for alternative fuel, distant student, homeowner, electronic funds transfer, mature driver, and good student.
• Farm Bureau policyholders can earn discounts including safe driver, good student, youthful driver, multi-vehicle, multi-policy, 55 and retired, and driver training.
• State Farm may include discounts for accident-free, good driver, multiple autos, good student, student away at school, Drive Safe & Save, and multiple policy.
• Allstate includes discounts for farm vehicle, new car, passive restraint, economy car, and eSmart discount.
• GEICO has savings for multi-vehicle, daytime running lights, anti-lock brakes, anti-theft, and seat belt use.

When getting a coverage quote, ask each insurance company which credits you are entitled to. Some discounts may not apply to policyholders everywhere.

How to buy insurance online

All major insurance companies make it easy to get pricing directly from their websites. Doing online quotes is possible for anyone because you just enter the coverages you want into the quote form. Once you submit the form, their rating system automatically retrieves your driving and credit reports and provides a quote based on the data you entered.

This helps simplify price comparisons, but the work required to visit a lot of sites and complete many quote forms is repetitive and time-consuming. Unfortunately, it is important to do this in order to get better prices.

The easiest way to find better insurance pricing is to use a quote form to return rates from multiple companies. It saves time, requires less work, and makes rate comparisons a little more enjoyable. After sending your information, it gets priced with multiple companies and you can pick your choice of the returned quotes. If you find a better price it’s easy to complete the application and purchase coverage. The whole process takes 15 minutes at the most and could lower your rates considerably.

To quickly compare rates using this form now, simply enter your zip code here and enter your vehicle and coverage information. If you have your current policy handy, we recommend you type in the coverages exactly as they are listed on your policy. This makes sure you are getting rate comparison quotes using the exact same coverages.

Learn how to lower your insurance rates

Many things are taken into consideration when premium rates are determined. Most are fairly basic like your driving record, although others are less apparent like your continuous coverage or your vehicle rating. The best way to find cheaper insurance is to take a look at some of the factors that help calculate the price you pay for insurance. If you know what determines premiums, this enables informed choices that can help you get lower rates.

• Only buy incidental coverages you need – Insurance policies have a lot of extra bells and whistles that can waste your money if you aren’t diligent. Add-on coverages like roadside assistance, death and dismemberment, and term life insurance may be costing you every month. These may sound like a good investment when discussing your needs, but your money might be better spent on other coverage so eliminate them to save money.
• Women tend to be lower risk – Over the last 30 years, statistics show women tend to be less risk to insure than men. It does not mean men are WORSE drivers than women. Both sexes get in at-fault accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Not only that, but men also get cited for more serious violations such as DWI and reckless driving.
• Driving citations drive up rates – Having just one citation could increase your next policy renewal by as much as twenty percent. Drivers with clean records pay lower auto insurance prices as compared to careless drivers. People who have license-revoking citations like hit and run, DWI or reckless driving convictions are required to maintain a SR-22 with their state’s licensing department in order to prevent their license from being revoked.
• Poor credit decisions can cost you – Credit history factor in determining what you pay. Insureds with very good credit scores tend to be better risks to insure as compared to drivers with bad credit. Therefore, if your credit score can use some improvement, you could be paying less to insure your 2010 Kia Sportage by spending a little time repairing your credit.
• Liability insurance – Your insurance policy’s liability coverage kicks in in the event that you are ruled to be at fault for physical damage or personal injury to other. This coverage provides legal defense to attempt to prove you were not liable. It is affordable coverage when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions can aid in determining whether your personal situation might need an agent’s assistance.

• What is PIP insurance?
• Is my 2010 Kia Sportage covered for flood damage?
• Can I still get insurance after a DUI?
• Am I covered when using my vehicle for business?
• Is my teen driver covered when they drive my company car?
• Should I drop comprehensive coverage on older vehicles?
• Where can I find DUI or SR-22 insurance?
• What exactly is covered by my policy?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete your zip code.

Car insurance buyers beware

Big name companies like State Farm and Allstate continually stream ads on television and other media. They all seem to convey the message about savings after switching your policy. How can each company cost less than your current company? Just pay attention to how they say it.

Different companies require specific criteria for the driver that earns them the most money. A good example of a profitable risk profile might be described as married and over the age of 30, carries high limits, and drives less than 7,500 miles a year. Any new insured that meets those criteria will most likely get cheap premium rates and as a result will probably save if they switch.

Potential customers who fall short of these standards may receive a higher rate and the customer buying from a different company. The wording the ads use say “drivers that switch” but not “everyone who gets a quote” save that much. That is how insurance companies can make claims like that. Because every company is different, it is so important to do a rate comparison at every renewal. It is just not possible to predict which company will have the lowest rates.

Specifics of your auto insurance policy

Understanding the coverages of auto insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Collision protection

This coverage pays for damage to your Sportage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as scraping a guard rail, driving through your garage door, crashing into a building, damaging your car on a curb and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Liability car insurance

Liability coverage can cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property.

Liability coverage pays for claims like repair costs for stationary objects, loss of income and medical expenses. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for pain medications, funeral costs, surgery, ambulance fees and nursing services. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your 2010 Kia Sportage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Comprehensive or Other Than Collision

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, damage from getting keyed, a broken windshield and rock chips in glass. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Spend less. Save more.

We’ve covered a lot of ways to reduce 2010 Kia Sportage insurance premium rates online. The key concept to understand is the more companies you get prices for, the higher the chance of saving money. You may be surprised to find that the biggest savings come from a small mutual company.

While you’re price shopping online, don’t be tempted to reduce coverage to reduce premium. There have been many situations where someone sacrificed physical damage coverage only to regret that it was a big error on their part. The goal is to buy a smart amount of coverage at the best cost while still protecting your assets.

Consumers who switch companies do it for a variety of reasons including unfair underwriting practices, being labeled a high risk driver, lack of trust in their agent and high rates after DUI convictions. Whatever your reason, finding a great new company is actually quite simple.