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Kia Kia Sportage Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Feb 10, 2020

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Trying to find the cheapest insurance rates for your Kia Sportage? Sick and tired of paying out the nose to pay your car insurance bill each month? Your situation is no different than many other consumers.

There is such a variety of auto insurance companies to pick from, and although it’s a good thing to have a selection, too many choices makes it more difficult to find a good deal.

Smart consumers take time to compare prices before your policy renews since insurance rates change regularly. Even if you think you had the best price on Sportage insurance last year you can probably find a lower rate today. Starting now, ignore everything you know about insurance because you’re going to get a crash course in one of the easiest ways to reduce your cost while increasing coverage.

Buying car insurance is not rocket science. If you are paying for car insurance now, you stand a good chance to be able to save some money using this information. Although vehicle owners must know how insurance companies price online insurance.

Quick Insurance Quotes

The are a couple different ways to compare quotes from different insurance companies. By far the easiest way to find competitive 2008 Kia Sportage insurance rates is simply to get online rate quotes. This can be accomplished in several different ways.

  1. The first (and easiest) way to get quotes is an all-inclusive rate comparison (click to open form in new window). This method prevents you from having to do separate quotes for each company. One simple form will get you rate comparisons from several companies.
  2. A slightly less efficient method to get quotes online consists of visiting the website for every company you want to comare and complete a new quote form. For instance, we’ll pretend you want rates from Farmers, 21st Century and Allstate. To find out each rate you need to spend time on each company’s site and enter your policy data, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

Whichever way you use, make darn sure you compare identical coverages and limits for each price quote. If your comparisons have different deductibles it will be next to impossible to make an equal comparison. Just a small difference in coverages can mean a large discrepancy in price. And when price shopping your coverage, quoting more provides better odds of finding the best rates.

Don’t miss out on these money-saving discounts

Companies that sell car insurance don’t necessarily list all their discounts in a way that’s easy to find, so here is a list both well-publicized and also the lesser-known discounts you could be receiving.

  • Senior Discount – If you qualify as a senior citizen, you may receive a small decrease in premiums on Sportage insurance.
  • Organization Discounts – Participating in a qualifying organization is a good way to get lower rates when shopping for insurance coverage on Sportage insurance.
  • Accident Waiver – A handful of insurance companies allow you one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
  • College Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Drive Less and Save – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Defensive Driver – Taking a course teaching defensive driving skills could cut 5% off your bill if you qualify.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like comp or med pay. So when it seems like you can get free auto insurance, insurance coverage companies aren’t that generous.

For a list of insurance companies offering insurance coverage discounts, click here.

Why your Kia Sportage insurance rates may be high

An important part of buying insurance is that you know the rating factors that help determine the rates you pay for insurance coverage. Understanding what controls the rates you pay empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

The following are a partial list of the pieces used by your company to calculate rates.

  • Where you live is a factor – Choosing to live in a small town can be a good thing when buying insurance coverage. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft. Drivers in populated areas tend to have much more traffic to deal with and a longer drive to work. Longer commute distances translates into higher accident risk.
  • Allowing your policy to lapse raises rates – Driving your car without having proper coverage can get your license suspended and your next policy will cost more because you let your insurance lapse. And not only will insurance be more expensive, but being ticketed for driving with no insurance can result in a license revocation or jail time.
  • Save money with special equipment – Choosing a vehicle with a theft deterrent system can help bring down rates. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.
  • Bundling policies can get discounts – Many companies will award you with lower prices to people who consolidate policies with them in the form of a multi-policy discount. Even with this discount, you may still want to comparison shop to confirm you are receiving the best rates possible. You may still find better rates by splitting coverages up.
  • A clean driving record saves money – Good drivers tend to pay less for car insurance than their less careful counterparts. Even one ticket can increase rates by as much as thirty percent. Drivers who get dangerous violations like DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
  • Women pay lower rates – Statistics demonstrate women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. They both tend to get into accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also tend to get cited for more serious violations like DUI and reckless driving.
  • Better crash test results mean better rates – Vehicles with high crash test scores are cheaper to insure. Safe vehicles protect occupants better and any reduction in injury severity means lower claim amounts and lower rates for you. If your Kia scored better than four stars on Safercar.gov it is probably cheaper to insure.
  • Claim-free discounts can add up – Auto insurance companies award lower rates to policyholders who do not file claims often. If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Your insurance policy is designed for larger claims.

Free Auto Insurance Comparison

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Do I need special coverages?

When it comes to choosing coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. For example, these questions can help discover whether you might need professional guidance.

  • Do I need roadside assistance coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Will my insurance pay for OEM parts?
  • Am I covered when driving a rental car?
  • Do all my vehicles need collision coverage?
  • Am I missing any policy discounts?
  • Is rental equipment covered for theft or damage?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Do you really save 40% when you switch?

Insurance companies such as GEICO, State Farm and Progressive consistently run television and radio advertisements. They all seem to have a common claim about savings if you change your policy. How can each company say the same thing?

All companies can use profiling for the type of driver they prefer to insure. For instance, a driver they prefer could possibly be between 30 and 50, has no prior claims, and drives less than 10,000 miles a year. A customer getting a price quote that hits that “sweet spot” is entitled to the best price and most likely will cut their rates substantially.

Potential insureds who don’t meet the “perfect” profile will have to pay a higher premium which leads to the customer not buying. Company advertisements say “customers that switch” not “people who quote” save that much money. That’s why companies can claim big savings. Because of the profiling, you absolutely need to get as many quotes as possible. It’s not possible to predict which insurance company will give you the biggest savings on Kia Sportage insurance.

What car insurance coverages do you need?

Knowing the specifics of your car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average car insurance policy.

Coverage for collisions

This coverage will pay to fix damage to your Sportage caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like driving through your garage door, sideswiping another vehicle, damaging your car on a curb, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for immediate expenses such as rehabilitation expenses, ambulance fees and doctor visits. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive protection

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a broken windshield, theft and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability car insurance

Liability coverage provides protection from damage that occurs to a person or their property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like court costs, structural damage and repair costs for stationary objects. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Kia Sportage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Cheaper insurance is a realistic goal

When trying to cut insurance costs, you should never buy poor coverage just to save money. There have been many cases where an insured cut liability coverage limits to discover at claim time that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage at a price you can afford.

You just read quite a bit of information on how to lower your 2008 Kia Sportage insurance rates. The key concept to understand is the more you quote, the higher your chance of finding lower rates. You may even find the lowest priced auto insurance comes from an unexpected company. These companies may often insure only within specific states and give getter rates than their larger competitors like State Farm and Allstate.

For more information, feel free to visit the resources below:

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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