2009 Kia Sportage Insurance Rates – 7 Tips to Save
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UPDATED: Dec 7, 2021
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Trying to find the cheapest insurance coverage rates for your Kia Sportage? Tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than the majority of other car owners. Since consumers have many choices of insurance companies, it can be hard to find the most affordable car insurance company.
This information will tell you how car insurance quotes work and some tricks to saving. If you have car insurance now, you will most likely be able to reduce your rates substantially using these methods. Consumers only need to know the most effective way to get comparison rates online.
How to Compare Insurance Quotes
All the larger insurance companies such as 21st Century, Allstate and State Farm allow you to get insurance quotes on the web. The process is fairly simple as you simply type in the coverage amounts you desire into the quote form. When the form is submitted, their rating system gets reports for credit and driving violations and returns a price quote based on these factors. Online price quotes streamlines rate comparisons, but the process of having to visit a lot of sites and complete many quote forms is repetitive and time-consuming. But it’s very important to compare as many rates as possible in order to find a lower rate.
A quicker way to lower your rates uses one simple form to get prices from several different companies. The form is fast, helps eliminate reptitive entry, and makes comparison shopping much simpler. Once the form is submitted, it is rated and you can select any one of the price quotes you receive.
If you find a better price you simply finish the application and purchase coverage. This process takes 15 minutes at the most and may result in a nice savings.
To save time and find out what other companies charge, click here to open in new window and input your coverage information. If you currently have coverage, we recommend you copy the insurance coverages exactly as they are listed on your policy. Doing this assures you will have rate comparison quotes for similar coverage.
Cut prices on 2009 Kia Sportage insurance
Insuring your vehicles can cost a lot, but there are discounts available that can drop the cost substantially. Certain discounts will be applied when you get a quote, but less common discounts must be asked for prior to getting the savings. If you’re not getting every credit available, you’re just leaving money on the table.
- Early Switch Discount – Select companies give a discount for switching to them before your current expiration date. It’s a savings of about 10%.
- Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
- Good Student Discount – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
- Employee of Federal Government – Active or retired federal employment can save as much as 8% on Sportage insurance with a few car insurance companies.
- Use Seat Belts – Requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
- Accident Forgiveness – A few companies permit an accident without raising rates if your claims history is clear for a particular time prior to the accident.
- Paperwork-free – A few companies may give you up to $50 simply for signing online.
Consumers should know that most discounts do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you’re out of luck. But any discount will cut your overall premium however.
For a list of providers offering car insurance discounts, click here to view.
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Tailor your coverage to you
When buying adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions may help highlight if your situation may require specific advice.
- Is a new car covered when I drive it off the dealer lot?
- Is my 2009 Kia Sportage covered for flood damage?
- Does coverage extend to Mexico or Canada?
- Are rental cars covered under my policy?
- Am I covered if I hit a deer?
- Does my personal policy cover me when driving out-of-state?
- Does my policy cover my teen driver if they drive my company car?
- Is my cargo covered for damage or theft?
If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.
Insurance myths debunked
Consumers can’t ignore all the ads for cheaper car insurance by 21st Century, Allstate and State Farm. They all seem to make an identical promise that you can save if you switch to their company.
How does each company claim to save you money?
All the different companies are able to cherry pick for the type of customer they prefer to insure. A good example of a driver they prefer could be between 25 and 40, a clean driving record, and drives newer vehicles. A customer getting a price quote who matches those parameters will get very good rates and is almost guaranteed to pay quite a bit less when switching companies.
Potential insureds who fall outside this ideal profile will be charged higher prices and ends up with business not being written. The ads say “customers that switch” not “everybody who quotes” save that much money. That’s why companies can truthfully advertise the way they do.
That is why you absolutely need to compare as many rates as you can. It is impossible to predict which insurance company will give you the biggest savings on Kia Sportage insurance.
Learning about specific coverages of insurance can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on most insurance policies.
This can cover damage or injury you incur to other people or property. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability insurance covers claims like structural damage, loss of income and court costs. How much liability coverage do you need? That is your choice, but buy higher limits if possible.
Comprehensive or Other Than Collision
Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for claims such as a tree branch falling on your vehicle, hail damage, falling objects and hitting a bird. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.
Medical costs insurance
Med pay and PIP coverage reimburse you for bills for hospital visits, dental work, doctor visits, surgery and pain medications. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay
This coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Kia Sportage.
Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Normally these limits do not exceed the liability coverage limits.
Coverage for collisions
Collision insurance covers damage to your Sportage from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for claims like driving through your garage door, crashing into a ditch, hitting a parking meter, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.
Compare but don’t skimp
In this article, we covered many ideas to compare 2009 Kia Sportage insurance prices online. It’s most important to understand that the more rate quotes you have, the better likelihood of reducing your rate. Consumers could even find that the best prices are with some of the lesser-known companies. Some small companies may often insure only within specific states and give getter rates than their larger competitors like State Farm or Progressive.
As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to find the BEST coverage at a price you can afford, not the least amount of coverage.
Lower-priced insurance can be bought both online in addition to many insurance agents, so you should compare both to have the best selection. Some insurance companies do not provide online quoting and most of the time these small insurance companies sell through independent agents.
- Red Light Cameras (State Farm)
- Collision Coverage (Liberty Mutual)
- Choosing a Car for Your Teen (State Farm)
- How do I File a Claim? (Insurance Information Insitute)
- Get the Right Protection (InsureUonline.org)
- Teen Driver Licensing Information (iihs.org)
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