Compare 2013 Kia Sportage Insurance Quotes

Do you get frustrated by the dozens of car insurance companies? You have so many choices that it can be a difficult situation to find better car insurance rates.

How to compare free car insurance quotes

When comparison shopping, there are several ways to get quotes from all the different companies. The best way to comparison shop consists of shopping online. This can be done in several different ways.

One of the best ways to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This form keeps you from doing a different quote for every car insurance company. A single, simple form will get you rate comparisons from several companies. It’s definitely the quickest method.

A slightly less efficient method to analyze rates requires a trip to the website of each company and fill out their own quote form. For example, let’s assume you need rates from Auto-Owners, Liberty Mutual and GMAC. You would have to navigate to each company’s site and enter your information, which is not fast way to get rate quotes. For a handy list of car insurance company links in your area, click here.

The approach you take is up to you, just make sure you compare exactly the same coverage limits for each price quote. If you compare different values for each quote it’s impossible to make an equal comparison. Having just a slight variation in limits may result in large price differences. Just keep in mind that getting more free quotes increases the change that you will find a better price. Some insurance companies are not set up to provide online quotes, so you should also compare price quotes from them, too.

Are you getting every discount?

The cost of insuring your cars can be expensive, but you may be missing some discounts that could help you make your next renewal payment. A few discounts will automatically apply when you purchase, but a few need to be specifically requested before you get the savings. If you aren’t receiving every discount available, you could be paying more than you need to.

• Discount for Life Insurance – Select insurance carriers reward you with a break if you buy a life policy as well.
• Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and qualify for as much as a 10% discount.
• Early Switch Discount – A few insurance companies offer discounts for buying a new policy before your current expiration date. This discount can save up to 10%.
• Passive Restraint Discount – Factory air bags and/or automatic seat belt systems may qualify for discounts of up to 25% or more.
• Military Discounts – Having a deployed family member may lower your car insurance rates slightly.
• Federal Government Employee – Simply working for the federal government may reduce rates when you quote insurance for Sportage insurance with select insurance companies.
• Discount for New Cars – Buying a new car model can cost up to 25% less since newer vehicles have better safety ratings.
• Resident Student – Kids who live away from home at college and don’t have a car could get you a discount.
• Driving Data Discount – Insureds who allow their car insurance company to monitor driving manner through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if they show good driving skills.
• Bundle and Save – If you have multiple policies with the same company you could save at least 10 to 15 percent or more.

Discounts lower rates, but some of the credits will not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like you could get a free car insurance policy, nobody gets a free ride.

If you would like to see a list of insurance companies who offer discounts, click here.

When in doubt talk to an agent

When buying the right insurance coverage, there really is no one size fits all plan. Each situation is unique.

For instance, these questions might help in determining whether you might need professional guidance.

• Is my ex-spouse still covered by my policy?
• Do all my vehicles need collision coverage?
• Should I carry comprehensive and collision coverage?
• Do I have coverage when using my vehicle for my home business?
• Am I insured when driving a different vehicle?
• Can I afford to pay high deductible claims out of pocket?
• What is the ISO rating for a 2013 Kia Sportage?
• Why do I only qualify for high-risk insurance?
• When should I not file a claim?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance 101

Knowing the specifics of auto insurance aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability car insurance

Liability insurance provides protection from damages or injuries you inflict on a person or their property in an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things like pain and suffering, repair bills for other people’s vehicles, medical services and structural damage. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage

This pays for damage to your Sportage from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like scraping a guard rail, crashing into a building, driving through your garage door, crashing into a ditch and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, fire damage, hitting a bird and damage from getting keyed. The maximum amount you’ll receive from a claim is the 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 protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your 2013 Kia Sportage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills like surgery, hospital visits and prosthetic devices. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover 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 not universally available and gives slightly broader coverage than med pay

Shop. Compare. Save.

Drivers switch companies for any number of reasons including lack of trust in their agent, questionable increases in premium, policy non-renewal and poor customer service. No matter why you want to switch, choosing a new insurance company is not as difficult as it may seem.

When you buy insurance online, don’t be tempted to buy poor coverage just to save money. In many cases, an insured dropped physical damage coverage and found out when filing a claim that they should have had better coverage. The aim is to buy enough coverage for the lowest price, but don’t skip important coverages to save money.

We just showed you many ways to reduce 2013 Kia Sportage insurance rates online. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding affordable insurance. You may be surprised to find that the lowest rates come from some of the lesser-known companies.

More information is located on the following sites:

• Help Your Teen Be a Better Driver (State Farm)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)