2012 Kia Sportage Insurance Quotes – 5 Savings Tips
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UPDATED: Sep 2, 2022
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Want better auto insurance rates? Drivers have a choice when trying to find the best price on Kia Sportage insurance. You can either spend your time calling around to get rate comparisons or use the internet to get rate quotes. There is a better way to compare auto insurance rates and you need to know the proper way to get price quotes for a Kia and find the lowest possible price from local insurance agents and online providers.
Compare Quotes for Auto Insurance
Reducing your 2012 Kia Sportage insurance rates is surprisingly easy. Drivers just need to take a couple of minutes comparing price quotes from different insurance companies. It is quite easy and can be accomplished using a couple different methods.
- The recommended way to get the best comparison quotes is a comparison rater form click to view form in new window. This easy form eliminates the need for boring form submissions for each company you want a rate for. Completing one form gets you price quotes from all major companies.It’s the quickest way to get rates.
- A harder way to compare rate quotes consists of visiting the website of each company to request a price quote. For example, we’ll assume you want to compare USAA, Progressive and State Farm. To get each rate you have to visit each site to input your insurance information, which is why the first method is quicker.
For a handy list of car insurance company links in your area, click here.
- The hardest method of comparing rate quotes is to spend time driving to local insurance agencies. Buying insurance online can eliminate the need for a local agent unless you have a need for the professional advice of a licensed agent. However, consumers can get prices online and get advice from an agent in your area and you’ll learn how to do that later.
It’s your choice how you get your quotes, but ensure you are comparing the exact same information on every quote. If your comparisons have unequal deductibles or liability limits you will not be able to determine which rate is truly the best.
Misconceptions in insurance coverage advertisements
Consumers constantly see and hear ads for car insurance savings from companies such as 21st Century, Allstate and State Farm. They all make an identical promise about savings after switching your policy.
How does each company make almost identical claims? It’s all in the numbers.
All the different companies have a preferred profile for the type of driver that earns them a profit. A good example of a profitable customer could possibly be between 25 and 40, has no prior claims, and has great credit. Any new insured who fits that profile will get very good rates and is almost guaranteed to pay quite a bit less when switching companies.
Potential insureds who don’t measure up to the “perfect” profile will be charged a higher premium and this can result in the driver buying from a lower-cost company. The ads state “people who switch” but not “drivers who get quotes” save that much. That’s why insurance companies can state the savings. That is why you need to get a wide range of price quotes. It’s not possible to predict which insurance companies will fit your personal profile best.
Discounts are great for lower rates
Car insurance companies don’t always publicize all their discounts very clearly, so the following is a list of some of the best known and the harder-to-find discounts you could be receiving. If you’re not getting every credit you deserve, you are throwing money away.
- Auto/Home Discount – If you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
- Good Student Discount – This discount can be rewarded with saving of up to 25%. This discount can apply until age 25.
- Drivers Education – Require your teen driver to complete a driver education course in high school.
- Air Bag Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
- Safety Course Discount – Taking a driver safety course could cut 5% off your bill if you qualify.
A little note about advertised discounts, most credits do not apply to the entire cost. Some only reduce individual premiums such as liability and collision coverage. Just because you may think you can get free auto insurance, you’re out of luck.
Car insurance companies that possibly offer these money-saving discounts include:
It’s a good idea to ask each company which discounts they offer. Discounts may not apply everywhere.
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You may need specialized coverage
When choosing the best insurance coverage coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.
For example, these questions can help discover if your insurance needs could use an agent’s help.
- Does medical payments coverage apply to all occupants?
- Are split liability limits better than a combined single limit?
- Is extra glass coverage worth it?
- Are rental cars covered under my policy?
- Will I be non-renewed for getting a DUI or other conviction?
- Can my teen driver be rated on a liability-only vehicle?
- Is my babysitter covered when using my vehicle?
- What companies insure drivers after a DUI or DWI?
- Why do I need rental car insurance?
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Educate yourself about auto insurance coverages
Learning about specific coverages of your policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Kia Sportage.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.
This coverage pays for damage to your Sportage resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as crashing into a ditch, sideswiping another vehicle, backing into a parked car, hitting a mailbox and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.
Medical expense insurance
Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like X-ray expenses, surgery, ambulance fees, hospital visits and chiropractic care. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
Coverage for liability
This will cover damages or injuries you inflict on other people or property. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage pays for things such as loss of income, medical expenses and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.
Comprehensive (Other than Collision)
This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as a broken windshield, a tree branch falling on your vehicle, theft and vandalism. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Have the Midas touch
As you restructure your insurance plan, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed collision coverage only to regret that the few dollars in savings costed them thousands. The ultimate goal is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.
Insureds who switch companies do it for many reasons like an unsatisfactory settlement offer, questionable increases in premium, extreme rates for teen drivers or even poor customer service. Regardless of your reason for switching companies, choosing a new company is pretty simple and you could end up saving a buck or two.
You just read a lot of information how to get a better price on 2012 Kia Sportage insurance. It’s most important to understand that the more quotes you get, the better your comparison will be. You may even discover the lowest premiums are with a small local company.
Additional car insurance information is available on the following sites:
- Safe Vehicles for Teens (iihs.org)
- Learn About Car Insurance (GEICO)
- How to Avoid Buying a Flooded Car (Insurance Information Insitute)
- Property Damage Coverage (Liberty Mutual)
- Your Car has been Stolen: Now What? (Allstate)
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