Compare 2020 Kia Sportage Insurance Quotes 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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Trying to find better insurance coverage rates? Buyers have a choice when searching for low-cost Kia Sportage insurance. You can either spend your time calling around trying to get quotes or use the internet to get rate quotes. There are both good and bad ways to compare insurance coverage rates so we’re going to tell you the proper way to get price quotes for a Kia and find the lowest possible price either online or from local insurance agents.

Choosing the best insurance company for you is not that difficult. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this information. Consumers just need to learn the tricks to compare company rates online.

Shop insurance coverage online

Finding a lower price on 2020 Kia Sportage insurance can be quick and easy. Consumers just need to take the time to compare free insurance quotes to discover which company has low cost insurance quotes. It’s really simple and can be done using one of these methods.

  • Probably the best way consumers can analyze rates is to use a rate comparison form. This style of form keeps you from doing multiple quote forms for every insurance coverage company. One quote request compares rates direct from many companies. This is by far the quickest method.
  • A different way to find lower rates requires a trip to the website of each company and get a separate price quote. For instance, we’ll assume you want to get rates from Liberty Mutual, Allstate and Travelers. You would have to visit each site and type in your information over and over, and that’s why the first method is more popular.

You can use whichever method you prefer to find lower rates, just try to keep nearly identical coverage information on every quote. If the quotes have different coverage information you will not be able to get a fair rate comparison.

Save with with these discounts

Some companies don’t always advertise every discount they offer in a way that’s easy to find, so the list below details a few of the more common and the harder-to-find discounts that may be available.

  • Clubs and Organizations – Having an affiliation with qualifying employment or professional organizations can get you a small discount on your bill.
  • Sign Early and Save – Select companies give a discount for renewing your policy before your current policy expires. You may see this discount when you get insurance quotes online.
  • Anti-theft System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency and therefore earn up to a 10% discount.
  • Federal Employees – Active or retired federal employment can save as much as 8% on Sportage coverage with a few insurance coverage companies.
  • First Accident Forgiveness – but companies like Liberty Mutual, Allstate and State Farm will forgive one accident before they charge you more for coverage so long as you are claim-free prior to being involved in the accident.
  • New Car Discount – Adding a new car to your policy can cost up to 25% less due to better safety requirements for newer models.
  • Discount for Life Insurance – Insurance companies who offer life insurance give lower premium rates if you buy some life insurance too.
  • Multiple Cars – Drivers who insure multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Drivers Education – It’s a good idea to have your young drivers participate in a local driver’s education class if offered at their school.
  • E-sign – A handful of insurance companies will discount your bill up to fifty bucks shop insurance on their website.

Keep in mind that some of the credits will not apply to the whole policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

To see insurers that offer multiple discounts, enter your zip code here.

Informed consumers save money

Lots of things are part of the calculation when you quote your car insurance policy. Some factors are common sense such as your driving history, but some are less apparent like your vehicle usage or how safe your car is. 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 have some idea of what determines premiums, this allows you to make good choices that may reward you with cheaper rates.

The items below are some of the most rate-impacting factors utilized by car insurance companies to help set prices.

  • Long commutes cost more – The more you drive every year the more you’ll pay to insure it. A lot of companies price each vehicle’s coverage based upon how you use the vehicle. Cars and trucks not used for work or commuting receive lower rates than vehicles that are driven to work every day. An improperly rated Sportage may be costing you. Ask your agent if your insurance policy is showing the correct driver usage.
  • Get better rates if married – Walking down the aisle can actually save you money when shopping for insurance. Having a significant other usually means you are more mature than a single person and statistics show drivers who are married are more cautious.
  • Higher physical damage deductibles are cheaper – Comp and collision deductibles define how much you are willing to pay before your insurance pays a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some instances where coverage would apply are rear-ending another vehicle, damage from fire, or theft of your vehicle. The more money the insured is willing to pay, the less money you will pay for insurance on Sportage coverage.
  • Rental and towing coverage may not be needed – There are many additional extra coverages that may not really be needed if you aren’t careful. Add-on coverages like replacement cost coverage, accident forgiveness, and Farm Bureau memberships are probably not needed. These coverages may sound good when discussing your needs, but if you’ve never needed them in the past consider taking them off your policy.
  • Obey driving laws and save – Good drivers get better prices as compared to those with violations. Even one ticket may cause rates to rise substantially. Drivers who have received license-revoking violations like reckless driving or DUI may be required to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to continue driving.
  • Vocation can influence rates – Did you know your job can affect your rates? Occupations like military generals, police officers and financial analysts have the highest rates in part from job stress and long work days. On the flip side, professions such as farmers, students and performers have the lowest average rates on Sportage coverage.
  • Premiums are lower the older you get – Older insureds have been proven to be more responsible, are lower risk to insure and receive fewer citations. Young drivers have been known to be less responsible in a vehicle and because of this, their insurance rates are much higher.

Your situation helps dictate your coverage

When it comes to buying adequate coverage, there really is not a cookie cutter policy. Everyone’s needs are different.

For instance, these questions might point out if you would benefit from professional advice.

  • Do I need an umbrella policy?
  • Should I have combined single limit or split liability limits?
  • Is a fancy paint job covered?
  • Am I covered by my spouse’s policy after a separation?
  • Do I need medical payments coverage since I have good health insurance?
  • Who is covered by my policy?
  • Why am I required to get a high-risk car insurance policy?
  • Is my trailer covered?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I have a commercial auto policy?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out your zip code. It only takes a few minutes and may give you better protection.

Parts of your car insurance policy

Knowing the specifics of your policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverages – This coverage will pay to fix damage to your Sportage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a mailbox, hitting a parking meter, colliding with a tree, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also bump up the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Kia Sportage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hail damage, a tree branch falling on your vehicle, a broken windshield, fire damage and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like pain medications, nursing services, surgery, funeral costs and chiropractic care. They are utilized in addition to your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for liability – Liability insurance can cover damage or injury you incur to a person or their property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as medical expenses, medical services, bail bonds and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Don’t be a big spender

Lower-priced insurance is attainable online as well as from insurance agents, and you should be comparing both to have the best rate selection. A few companies do not offer rates over the internet and most of the time these regional carriers only sell coverage through independent agents.

Insureds switch companies for many reasons like poor customer service, lack of trust in their agent, high prices or policy cancellation. It doesn’t matter what your reason, switching companies can be easier than you think.

When searching for the cheapest insurance quotes, it’s a bad idea to skimp on coverage in order to save money. In many cases, someone sacrificed physical damage coverage only to find out that it was a big mistake. Your strategy should be to get the best coverage possible at the best cost while still protecting your assets.

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