Cheaper 2015 Kia Sportage Car 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: Apr 9, 2024

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Being forced to pay for overpriced car insurance premiums can stress out your accounts and put the squeeze on your family’s finances. Doing a price comparison is a great way to reduce premiums and put more money in your pocket.

Because there are so many companies and agents to choose from, it is hard for the average consumer to choose the lowest cost company.

Finding affordable coverage is not rocket science. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these methods. Drivers just need to learn the tricks to find the lowest price on the web.

Compare insurance rates

Reducing your 2015 Kia Sportage insurance rates is not rocket science. You just have to take a couple of minutes comparing rates from different insurance companies. Rate comparisons can be done in several different ways.

  • Hands down the most simple method to compare a lot of rates at once would be an industry-wide quote request form. This type of form keeps you from doing repetitive form submissions for each company. A single, simple form gets prices estimates from multiple low-cost companies.
  • A harder way to find lower rates requires visiting the website for every company you want to compare and get a separate price quote. For examples sake, we’ll assume you want to compare rates from State Farm, GEICO and GMAC. To do that, you would have to go to each individual site to enter the same coverage data repeatedly, which is why first method is recommended.
  • The last way to get price estimates is going to different agent offices. Doing it all online makes this process obsolete unless you’re the type of person who wants the personal advice that only an agent can give. It is possible with some companies compare online quotes but buy from a local insurance agent.

Take whichever approach you prefer, but be sure you’re using the exact same coverage limits for each price quote. If each company quotes different deductibles then you won’t be able to make a fair rate comparison.

Big brands don’t always mean big savings

Consumers can’t get away from ads for insurance savings by Allstate and Progressive. All the companies say the same thing about how much you will save just by switching your coverage to them.

How does every company save you money? This is the way they can do it.

All the different companies quote their cheapest rates for the type of driver that earns them a profit. For instance, a profitable customer might be described as over the age of 35, has a low-risk occupation, and drives less than 10,000 miles a year. Anyone that matches those criteria gets the lowest prices and as a result will probably cut their rates if they switch.

Drivers who don’t measure up to those standards may receive a higher rate which leads to the customer buying from a different company. If you pay close attention to the ads, they say “people who switch” not “everyone who quotes” save that kind of money. This is how companies can truthfully make those statements. This illustrates why it’s extremely important to compare free car insurance quotes often. It’s impossible to know with any certainty which company will have the best car insurance rates at this point in time.

Insurance Coverage Discounts

Insurance can cost an arm and a leg, but you might find some hidden discounts that you may not even be aware of. Some discounts will apply at the time you complete a quote, but lesser-known reductions have to be manually applied before you get the savings.

  • Life Insurance – Larger insurance coverage companies have a small discount if you purchase some life insurance in addition to your auto policy.
  • Save with a New Car – Insuring a new car can save up to 30% due to better safety requirements for newer models.
  • Low Mileage – Low annual miles could qualify for slightly better insurance coverage rates than normal.
  • Auto/Home Discount – If you can combine your auto and home policy with the same insurance company you will save over 10 percent off each policy depending on the company.
  • Onboard Data Collection – Insureds who allow companies to spy on driving patterns by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if their driving habits are good.
  • First Accident Forgiveness – Not really a discount, but companies like GEICO, Allstate and Liberty Mutual will forgive one accident without the usual rate increase if you are claim-free for a certain period of time.
  • Student Discounts – Performing well in school can get you a discount of up to 25%. Many companies even apply the discount to college students up to age 25.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less on Sportage coverage compared to accident prone drivers.

Keep in mind that most of the big mark downs will not be given to the entire cost. Most cut specific coverage prices like liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, nobody gets a free ride. Any amount of discount should help lower your overall bill.

To locate insurers who offer free insurance coverage quotes, enter your zip code here.

Tailor your car insurance coverage to you

When it comes to buying coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. For instance, these questions can help discover if you would benefit from professional advice.

  • Is my trailer covered?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is a blown tire covered by insurance?
  • Will my insurance pay for OEM parts?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does my car insurance cover rental cars?
  • Why am I required to get a high-risk car insurance policy?
  • Do I have any recourse if my insurance company denies a claim?
  • Why am I required to buy liability insurance?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete your zip code. It only takes a few minutes and may give you better protection.

Specific coverages for a 2015 Kia Sportage

Knowing the specifics of a auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages offered by auto insurance companies.

Medical costs insurance

Med pay and PIP coverage pay for expenses like doctor visits, rehabilitation expenses, EMT expenses and funeral costs. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix 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 can pay for things like rock chips in glass, damage from a tornado or hurricane, falling objects, theft and hitting a bird. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage protection

This covers damage to your Sportage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a mailbox, damaging your car on a curb 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 in order to get cheaper collision rates.

Liability coverage

Liability coverage will cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like medical services, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Have the Midas touch

You just learned a lot of information how to save on 2015 Kia Sportage insurance. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the most savings is with the smaller companies. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Allstate and Progressive.

Budget-conscious 2015 Kia Sportage insurance is attainable from both online companies as well as from insurance agents, so you should compare both to have the best selection. There are still a few companies who may not have rate quotes online and these small insurance companies work with independent agents.

As you quote car insurance, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where an accident victim reduced liability limits or collision coverage and discovered at claim time they didn’t purchase enough coverage. The aim is to buy the best coverage you can find at a price you can afford, but don’t skip important coverages to save money.

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