Save on 2007 Kia Sportage Car Insurance Quotes

Are you at wits end from being strong-armed to pay insurance coverage each month? Your situation is no different than many other drivers. Companies like State Farm, Allstate, Geico and Progressive continually hit you with ads and consumers find it hard to see through the deception and take the time to shop coverage around.

Cheaper rates with discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that can help lower your rates. Some discounts will apply when you complete an application, but once in a while a discount must be inquired about before they will apply. If they aren’t giving you every credit you qualify for, you may be paying too high a price.

• Senior Discount – Drivers over the age of 55 can get better car insurance rates on Sportage insurance.
• Driver Education Discount – Teen drivers should enroll in driver’s education as it will make them better drivers and lower rates.
• Telematics Devices – Drivers that enable companies to look at their driving habits by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they have good driving habits.
• ABS Braking Discount – Cars with ABS and/or traction control prevent accidents and will save you 10% or more.
• Multiple Vehicles – Buying insurance for multiple cars with the same company can get a discount on all vehicles.
• Discount for Home Ownership – Owning your own home or condo can earn you a little savings because of the fact that having a home demonstrates responsibility.
• Organization Discounts – Having an affiliation with a civic or occupational organization may earn a discount when getting a car insurance quote.
• Discount for Passive Restraints – Options like air bags may get savings of up to 25% or more.
• Low Mileage Discounts – Fewer annual miles on your Kia could earn substantially lower prices.

Consumers should know that most discount credits are not given to all coverage premiums. Most cut individual premiums such as liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Some of the larger companies who may offer some of the discounts shown above may include but are not limited to:

• Geico
• USAA
• Progressive
• American Family
• Esurance
• Farmers Insurance
• State Farm

If you are trying to find the cheapest car insurance quotes, ask each company or agent which discounts you qualify for. Some credits might not be offered on policies in every state.

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What is the best auto insurance coverage?

When buying adequate coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that can help discover whether you might need professional guidance.

• Is my dog or cat covered if injured in an accident?
• Do I have coverage when pulling a U-Haul trailer?
• How much liability insurance is required?
• Am I covered if I hit a deer?
• Where can I find high-risk insurance?
• Is my custom paint covered by insurance?
• What companies insure drivers after a DUI or DWI?
• Why am I required to buy liability insurance?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.

Buyer beware of insurance coverage advertising tricks

Consumers can’t avoid all the ads that claim the cheapest premium rates by companies like Geico, State Farm and Progressive. They all tend to make the same promise that you’ll save big just by switching your coverage to them.

Is it even possible that every company can charge you a lower premium? This is how they do it.

Insurance companies have specific characteristics for the driver that will most likely be profitable. One example of a desirable risk could be between 25 and 40, is a homeowner, and does not commute to work. Any person that meets those criteria receives the best car insurance rates and therefore will save quite a bit of money when switching.

Consumers who fall short of those standards will be quoted higher prices which results in business not being written. Company advertisements say “customers who switch” but not “all drivers who get quotes” save the amount stated. This is how companies can truthfully advertise the way they do.

Because of this risk profiling, it’s extremely important to do a rate comparison at every renewal. It’s just too difficult to predict which insurance companies will have the lowest rate quotes.

Car insurance 101

Knowing the specifics of a auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages offered by auto insurance companies.

Comprehensive (Other than Collision) – This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, hail damage, damage from flooding, a tree branch falling on your vehicle and hitting a bird. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for ambulance fees, nursing services, X-ray expenses and prosthetic devices. They are utilized in addition to your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverages – Liability insurance will cover damages or injuries you inflict on other people or property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as repair costs for stationary objects, funeral expenses, attorney fees, legal defense fees and structural damage. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like backing into a parked car, scraping a guard rail, hitting a parking meter and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – This coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Kia Sportage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

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Saving money is sweet as honey

We covered many ideas to get a better price on 2007 Kia Sportage insurance. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your car insurance rates. Drivers may discover the biggest savings come from a smaller regional carrier. Smaller companies may only write in your state and offer lower car insurance rates compared to the large companies like State Farm, Geico and Nationwide.

When getting car insurance quotes online, never reduce coverage to reduce premium. There are many occasions where an insured cut liability coverage limits only to discover later that the savings was not a smart move. The aim is to find the BEST coverage at the best possible price, but do not skimp to save money.

Even more information is located at these sites:

• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)

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