2024 Kia Sportage Car Insurance Quotes – 8 Savings Tips

Trying to find cheaper car insurance rates for your Kia Sportage? If you are new to getting insurance coverage quotes online, you can be baffled by the large number of insurers competing for your business.

This information will help you learn how to get online quotes. If you have car insurance now, you will most likely be able to cut costs considerably using these methods. Although car owners do need to learn the way insurance companies determine prices because it can help you find the best coverage.

How to buy car insurance

To find low cost insurance coverage quotes, there are several ways of comparing rate quotes from different insurance companies. The easiest way to compare Kia Sportage insurance prices consists of obtaining rate quotes online. This can be accomplished in just a few minutes using one of these methods.

• The fastest and easiest way to find low rates is an all-inclusive rate comparison. This form eliminates the need for boring form submissions for every company. In just a few minutes this one form gets rate comparisons from multiple companies. It’s definitely the quickest method.
• A more time consuming way to obtain and compare quotes online is going to the website for every company you want to compare and complete a new quote form. For sake of this example, let’s say you want rates from GEICO, 21st Century and GMAC. In order to compare rates, you need to go to every website to input your insurance information, which can get old fast.
• The final method to price shop rates is driving to insurance agents’ offices. Shopping for car insurance online eliminates this option unless you’re the type of person who wants the professional assistance that you can only get from talking to an agent. However, consumers can get the lowest quotes online but buy from a local insurance agent.

How you compare quotes is your choice, just be certain you are entering exactly the same deductibles and coverage limits for each price quote. If you are comparing different deductibles you can’t possibly determine which rate is truly the best. Just a small difference in limits can make a big difference in price. And when comparing car insurance rates, know that comparing more quotes provides better odds of finding lower pricing.

Verify you’re receiving every discount

Some insurance providers don’t always advertise every possible discount very well, so the next list breaks down a few of the more common and also the lesser-known discounts that you can inquire about if you buy insurance coverage online. If you’re not getting every credit possible, you are not getting the best rate possible.

• Discount for Life Insurance – If the company offers life insurance, you could get a break if you buy a life insurance policy as well.
• Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off the PIP or medical payment premium.
• ABS Braking Discount – Cars and trucks that have steering control and anti-lock brakes prevent accidents so you can save 10 percent or more.
• More Vehicles More Savings – Buying a policy with primary and secondary vehicles with the same company can get a discount on all vehicles.
• Military Rewards – Being deployed with a military unit could qualify you for better rates.
• Passive Restraints – Options like air bags and/or automatic seat belt systems can qualify for discounts of 25 to 30%.
• Low Mileage – Driving less can earn substantially lower insurance rates.
• Federal Employees – Federal government employees could cut as much as 10% off for Sportage coverage with select insurance companies.

Discounts reduce rates, but you should keep in mind that most credits do not apply to all coverage premiums. Most only reduce individual premiums such as liability and collision coverage. Despite the fact that it seems like you could get a free insurance policy, that’s just not realistic.

Some of the larger companies that may include these benefits include:

• Progressive
• The Hartford
• Mercury Insurance
• GEICO
• AAA
• State Farm

Check with each company or agent which discounts they offer. Depending on the company, some discounts may not be offered in your area.

When should I discuss my situation with an agent?

When choosing adequate coverage, there is no best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining whether you would benefit from professional advice.

• Am I covered by my spouse’s policy after a separation?
• Is my 2024 Kia Sportage covered for smoke damage?
• Do I need more liability coverage?
• Is my teenager covered with friends in the car?
• What are the financial responsibility laws in my state?
• How much can I save by bundling my policies?
• Is other people’s property covered if stolen from my vehicle?

If you can’t answer these questions, you might consider talking to a licensed agent. If you don’t have a local agent, complete your zip code.

Auto insurance coverage breakdown

Knowing the specifics of your auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Liability coverage

Liability coverage protects you from damage that occurs to other’s property or people in an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things like bail bonds, court costs and medical services. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like damaging your car on a curb, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, hail damage, falling objects, damage from getting keyed and damage from flooding. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Kia Sportage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are set the same as your liability limits.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like chiropractic care, rehabilitation expenses, prosthetic devices and surgery. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

More quotes mean more savings

The cheapest 2024 Kia Sportage insurance can be bought from both online companies in addition to local insurance agencies, and you need to comparison shop both to have the best rate selection. A few companies do not offer online quoting and many times these small insurance companies sell through local independent agencies.

Drivers who switch companies do it for any number of reasons including unfair underwriting practices, policy cancellation, lack of trust in their agent and not issuing a premium refund. Whatever your reason, finding a great new company is not as hard as you think.

When buying insurance coverage, it’s not a good idea to reduce coverage to reduce premium. Too many times, an accident victim reduced full coverage and learned later that the small savings ended up costing them much more. The goal is to get the best coverage possible at the best cost while still protecting your assets.