View 2000 Kia Sportage Insurance Quotes

Want lower insurance coverage rates for your Kia Sportage? Wish you could get out of an expensive insurance coverage policy? It’s quite common and there are a lot of people just like you who feel imprisoned by their insurance coverage policy.

Multiple auto insurance companies compete for your insurance dollar, so it’s not easy to compare every insurance company and get the best coverage at the best rate

You should make it a habit to price shop coverage before your next renewal since prices are rarely the same from one policy term to another. If you had the best rate on Sportage coverage at your last renewal you can probably find a lower rate today. Don’t believe everything you read about insurance coverage on the internet, but you can learn some great ideas on how to stop overpaying for insurance.

How to buy insurance coverage online

There are several ways you can shop for insurance coverage but there is one way that is less labor-intensive and much quicker. You could spend your day driving to insurance companies in your area, or you can utilize online quotes to get rate comparisons in just a few minutes.

Many insurance companies take part in a program where insurance shoppers complete one form, and each company can give them a price based on that data. This saves time by eliminating quote forms to every company. To submit your quote information now, click here to start a free quote.

The one disadvantage to comparing rates this way is you don’t know exactly the companies to receive prices from. So if you prefer to pick from a list of companies to compare rates, we put together a list of insurance coverage companies in your area. View list of insurance companies.

How you compare quotes is your choice, just make absolute certain that you use identical quote information on every price quote you get. If you enter differing limits you will not be able to get a fair rate comparison. Having just a slight variation in limits can make a big difference in price. And when comparing insurance coverage rates, know that comparing a large number of companies increases your odds of finding the best price. Some insurance companies are not set up to provide online rate quotes, so it’s important to compare price estimates from them, too.

Get lower-cost car insurance rates with discounts

Buying car insurance is not cheap, but you may be missing some discounts to cut the cost considerably. Many discounts should be triggered when you quote, but occassionally some discounts must be specifically requested before being credited.

• Defensive Driver Discount – Passing a course teaching driver safety skills could possibly earn you a 5% discount if you qualify.
• Passenger Safety Discount – Options like air bags or motorized seat belts may earn rate discounts up to 30%.
• Telematics Data – Insureds that choose to allow their company to scrutinize driving manner by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they exhibit good driving behavior.
• Government Employee Discount – Being employed by or retired from a federal job can save as much as 8% on Sportage coverage with select insurance companies.
• Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up to age 25.
• Multi-line Discount – Some companies give a break if you buy auto and life insurance together.
• Early Signing – Some larger companies reward drivers for switching companies prior to your current policy expiring. This discount can save up to 10%.

It’s important to understand that most discount credits are not given to the entire cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like it’s possible to get free car insurance, nobody gets a free ride.

Some of the larger companies that may have these money-saving discounts include:

• Geico
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

It’s a good idea to ask each insurance company how you can save money. Some discounts may not apply in your area. To locate car insurance companies with discount rates, click this link.

Tailor your insurance coverage to you

When choosing adequate coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions might help in determining if your insurance needs might need professional guidance.

• How can I get my company to pay me more for my totalled car?
• Is a new car covered when I drive it off the dealer lot?
• What is the ISO rating for a 2000 Kia Sportage?
• Is my trailer covered?
• Why is insurance for a teen driver so high?
• Can I afford to pay high deductible claims out of pocket?
• Will my insurance pay for OEM parts?
• When should I drop full coverage on my 2000 Kia Sportage?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Get more affordable insurance premiums by understanding these factors

Smart consumers have a good feel for a few of the rating criteria that go into determining the level of your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this enables you to make decisions that will entitle you to lower premium levels.

Listed below are some of the most rate-impacting factors utilized by car insurance companies to help set your premiums.

• Uninterrupted coverage saves money – Driving without insurance is not a good idea and any future policy may cost more because you let your coverage lapse. Not only will rates go up, getting caught without coverage might get you a license revocation or jail time. You may have to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
• Additional coverages that may be costing you – There are quite a few additional coverages that may not really be needed if you aren’t careful. Insurance for things like coverage for rental cars, towing coverage, and term life insurance may be wasting your money. They may sound like good ideas initially, but now you might not need them so remove them and pocket the money.
• Credit rating impacts premium premiums – An insured’s credit score is a large factor in determining your rates. So if your credit rating can be improved, you could be paying less to insure your 2000 Kia Sportage by improving your rating. Drivers with very good credit scores tend to be better risks to insure as compared to drivers with lower credit ratings.
• Save money by raising deductibles – Insurance for physical damage, also called ‘full coverage’, helps pay for damage to your vehicle. Some coverage claims would be a dented fender, vandalism, and damage caused by flying debris. Your deductibles are how much you are required to pay if a claim is determined to be covered. The more expense you choose to pay out-of-pocket, the less your company will charge you for insurance on Sportage coverage.
• No policy claims equals cheaper premiums – Auto insurance companies provide the best rates to people who do not rely on their insurance for small claims. If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance is designed for claims that you cannot pay yourself.
• Safer cars save money – Safer cars can get you lower premiums. These vehicles help reduce the chance of injuries in an accident and better occupant protection translates directly to fewer claims which can result in lower premiums. If your Kia Sportage earned at least four stars on Safercar.gov you may be receiving a better rate.
• Car insurance liability protection limits – Liability coverage provides coverage in the event that you are found to be at fault for damages caused by your negligence. Liability insurance provides for a legal defense to defend your case. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
• Single drivers take more risk – Walking down the aisle may earn you lower rates on car insurance. Having a significant other generally demonstrates drivers are less irresponsible and it’s statistically proven that married drivers get in fewer accidents.

But the ad said I’d save 15% in 15 minutes!

Popular insurance providers such as Allstate and Progressive consistently run ads on TV and radio. All the companies seem to make the promise that people will save if you get a free auto insurance quote and switch your coverage to them. How is it possible that every company can charge less that you’re paying now? It’s all in the wording.

Insurance providers quote the lowest rates for the driver that earns them the most money. For example, a desirable insured might have to be over the age of 45, has a clear driving record, and chooses high deductibles. A customer getting a price quote that meets those criteria will get the preferred car insurance rates and have a good chance to save a lot of money.

Insureds who do not meet this ideal profile will be quoted a higher premium which leads to the customer not buying. If you listen closely, the ads state “customers that switch” but not “everyone who gets a quote” save money. That is how insurance companies can confidently state the savings.

This really drives home the point why it’s extremely important to do a rate comparison at every renewal. It’s just not possible to know with any certainty which company will have better premium rates than you’re paying now.

Car insurance coverage breakdown

Learning about specific coverages of your car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverages offered by car insurance companies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as hospital visits, rehabilitation expenses, surgery and pain medications. They are used in conjunction with a health insurance plan or if you do not have health coverage. They cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability car insurance

Liability insurance protects you from damage that occurs to other people or property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as medical expenses, legal defense fees and emergency aid. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive auto coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like vandalism, rock chips in glass, hail damage, falling objects and damage from a tornado or hurricane. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto collision coverage

Collision insurance pays for damage to your Sportage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a mailbox, damaging your car on a curb, scraping a guard rail, hitting a parking meter and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Have money to burn

In this article, we covered a lot of tips how to shop for 2000 Kia Sportage insurance online. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the lowest priced car insurance comes from a smaller regional carrier. Smaller companies may cover specific market segments cheaper than their larger competitors like Allstate, Geico and Progressive.

Cheaper 2000 Kia Sportage insurance can be sourced both online as well as from insurance agents, so you need to shop auto insurance with both to get a complete price analysis. Some companies may not provide internet price quotes and these regional insurance providers only sell coverage through local independent agents.

To learn more, feel free to browse the resources below:

• Vehicle Safety Ratings (iihs.org)
• Winter Driving (Insurance Information Insitute)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Drunk Driving Statistics (Insurance Information Insitute)
• Teen Driving Statistics (Geico)