Cheapest 2014 Kia Sportage Insurance Rates in 2023
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UPDATED: Jun 5, 2023
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Are you a victim of an overpriced insurance coverage policy? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out. Having so many options, it can be hard to choose the right provider.
Consumers should take time to take a look at other company’s rates once or twice a year because insurance rates trend upward over time. Despite the fact that you may have had the best rates on Sportage coverage two years ago the chances are good that you can find a lower rate today. There is a lot of wrong information about insurance coverage online, so we’re going to give you some great ways to find affordable insurance coverage.
Buying car insurance is easy if you know what you’re doing. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this strategy. Drivers just need to learn the tricks to shop on the web.
More discounts equal less premium
Companies that sell car insurance don’t always publicize all available discounts in a way that’s easy to find, so the following is a list of both the well known and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount you qualify for, you are paying more than you should be.
- Accident Waiver – Certain companies allow you one accident before your rates go up as long as you don’t have any claims for a certain period of time.
- Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
- Employee of Federal Government – Active or retired federal employment may qualify you for a discount on Sportage coverage with a few auto insurance companies.
- Safety Course Discount – Successfully completing a driver safety course could save 5% or more if you qualify.
- Homeowners Discount – Owning a home can help you save on auto insurance because of the fact that having a home requires personal responsibility.
- Organization Discounts – Participating in a professional or civic organization may earn a discount when shopping for auto insurance on Sportage coverage.
A little note about advertised discounts, some credits don’t apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as medical payments or collision. So when it seems like you could get a free auto insurance policy, it just doesn’t work that way.
Insurance companies that may offer these money-saving discounts include:
It’s a good idea to ask each insurance company which discounts you may be entitled to. All car insurance discounts may not be available in every state.
Compare Insurance Coverage Costs
All major insurance coverage companies give prices for coverage directly from their websites. Getting online quotes is fairly straightforward as you just type in your required coverages as detailed in the form. After the form is submitted, the company’s rating system sends out for your driving record and credit report and quotes a price based on these and other factors. Online price quotes helps simplify price comparisons, but having to visit several different sites and type in the same information gets old quite quickly. But it is imperative to do this if you want to find the lowest insurance coverage rates.
The quickest way to lower your rates makes use of a single form to obtain quotes from several different companies. This type of form saves time, reduces the work, and makes online quotes much more enjoyable and efficient. Immediately after you send the form, it is rated with multiple companies and you can pick any of the resulting price quotes. If the quotes result in lower rates, you simply finish the application and buy the new coverage. The whole process can be completed in a matter of minutes and may save quite a bit of money.
In order to find out how much you’re overpaying now, click here to open in a new tab and submit your coverage information. If you have a policy now, it’s recommended you enter your coverages just like they are on your policy. This way, you will have a rate comparison using the exact same coverages.
It’s not one size fits all
When it comes to buying proper insurance coverage, there really is no best way to insure your cars. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that might point out whether your personal situation could use an agent’s help.
- Does my liability insurance cover pulling a trailer or camper?
- What if I don’t agree with a claim settlement offer?
- Why do I only qualify for high-risk insurance?
- Should I waive the damage coverage when renting a car?
- Am I covered when driving someone else’s vehicle?
- Is my 2014 Kia Sportage covered for smoke damage?
- How much can I save by bundling my policies?
- What if I owe more than I can insure my car for?
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If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking 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 It is quick, free and can provide invaluable advice.
Auto insurance coverages 101
Knowing the specifics of auto insurance can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages available from auto insurance companies.
Collision coverage protection
This will pay to fix damage to your Sportage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for claims such as colliding with a tree, crashing into a ditch, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for surgery, rehabilitation expenses, hospital visits and doctor visits. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
Comprehensive coverage (or Other than Collision)
This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims like damage from a tornado or hurricane, hitting a deer, theft, damage from flooding and hitting a bird. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Coverage for liability
This will cover damages or injuries you inflict on people or other property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, 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 can pay for things such as court costs, repair costs for stationary objects, repair bills for other people’s vehicles and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.
Uninsured Motorist or Underinsured Motorist insurance
This coverage protects you and your vehicle’s occupants 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.
Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.
Make an honest buck
We just covered a lot of ways to compare 2014 Kia Sportage insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the best price on insurance coverage is with a company that doesn’t do a lot of advertising. These companies may only write in your state and offer lower rates than their larger competitors like Progressive and GEICO.
Cost effective insurance can be found on the web and with local insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies do not offer online price quotes and these small, regional companies work with independent agents.
Additional information is located on the following sites:
- What if I Can’t Find Coverage? (Insurance Information Insitute)
- Keeping Children Safe in Crashes Video (iihs.org)
- Driving in Bad Weather (Insurance Information Insitute)
- What are my Rights when Filing a Claim? (Insurance Information Insitute)
- Neck Injury FAQ (iihs.org)
- Electronic Stability Control FAQ (iihs.org)
Frequently Asked Questions
How can I find affordable insurance coverage?
To find affordable insurance coverage, it’s recommended that you compare quotes from different insurance companies. Many insurance companies provide prices for coverage directly on their websites. You can use online quote tools to enter your information and receive quotes based on your driving record and other factors. Another option is to use a single form that allows you to obtain quotes from multiple companies at once, saving time and effort.
What discounts are available for car insurance?
Car insurance companies offer various discounts that can help lower your premium. Some well-known discounts include safe driver discounts, good student discounts, and multi-policy discounts. However, not all discounts apply to all coverage premiums. It’s important to ask each insurance company about the discounts you may be entitled to. Keep in mind that not all discounts are available in every state.
How do I know if I’m overpaying for insurance?
Insurance rates tend to increase over time, so it’s a good idea to periodically compare rates from different companies. If you’ve had the same coverage for a while, there’s a chance you could find a lower rate today. By comparing quotes and exploring different options, you can determine if you’re overpaying for your current insurance coverage.
Should I use an agent to help with my insurance?
The need for an agent depends on your personal situation and insurance needs. Everyone’s insurance needs are different, so it’s important to assess your specific circumstances. If you’re unsure about certain coverages or have specific questions, it may be beneficial to consult a licensed insurance agent who can provide guidance and help you find lower rates.
What are the different types of auto insurance coverages?
Auto insurance policies typically offer different types of coverages. Here are some common coverages:
- Collision coverage: Pays for damage to your vehicle resulting from a collision with another vehicle or object.
- Medical payments coverage: Covers medical expenses for you and your passengers in case of injuries sustained in an accident.
- Comprehensive coverage: Pays for damage to your vehicle from non-collision events, such as theft, vandalism, or natural disasters.
- Liability coverage: Covers damages or injuries you cause to others in an accident.
- Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.
The specific coverages and limits you choose should be based on your individual needs and requirements.
How can I save money on car insurance?
Besides comparing quotes and taking advantage of available discounts, there are other ways to save money on car insurance. For example, you can consider increasing your deductible, maintaining a clean driving record, bundling your policies with the same insurance provider, or opting for a usage-based insurance program. Additionally, regularly reviewing your coverage and adjusting it based on your changing needs can help ensure you’re not paying for unnecessary coverage.
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