Cheaper 2019 Kia Sportage Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 9, 2024

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Looking for cheaper car insurance rates for your Kia Sportage? Nobody loves paying for car insurance, especially when they are aware that they could find better rates elsewhere. Online insurance companies like Allstate, Progressive and GEICO constantly blast consumers with ads and it can be hard to ignore the propoganda and do the work needed to find the best deal.

Discounts to earn lower-cost car insurance rates

Car insurance is not inexpensive, but you might find some hidden discounts to help bring down the price. Many of these discounts will be applied automatically when you complete an application, but some discounts are required to be asked about prior to getting the savings.

  • Anti-lock Brake System – Cars equipped with ABS or steering control can avoid accidents and the ABS can save up to 10%.
  • Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts as much as 30%.
  • Multiple Vehicles – Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Theft Deterrent – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen so companies will give you a small discount.
  • Pay Now and Pay Less – If you can afford to pay the entire bill instead of paying each month you can actually save on your bill.

You can save money using discounts, but most of the big mark downs will not be given to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, you’re out of luck. Any amount of discount will positively reduce your policy premiums.

Larger car insurance companies and some of their more popular discounts are shown below.

  • Progressive offers discounts including online quote discount, continuous coverage, homeowner, good student, and online signing.
  • GEICO includes discounts for anti-lock brakes, daytime running lights, membership and employees, multi-vehicle, five-year accident-free, and anti-theft.
  • State Farm discounts include Drive Safe & Save, multiple policy, Steer Clear safe driver discount, anti-theft, safe vehicle, multiple autos, and good driver.
  • Esurance has savings for anti-lock brakes, paid-in-full, good student, multi-car, Pac-12 alumni, and online shopper.
  • The Hartford has discounts for bundle, vehicle fuel type, driver training, anti-theft, defensive driver, air bag, and good student.

If you need lower rates, check with every insurance company to give you their best rates. Some discounts listed above may not apply to policies in your area.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions might point out if you might need an agent’s assistance.

  • Am I covered by my spouse’s policy after a separation?
  • Does my car insurance cover rental cars?
  • What is PIP insurance?
  • Exactly who is provided coverage by my policy?
  • Is Motor Club coverage worth it?
  • Which companies will insure high-risk drivers?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete your zip code. It’s fast, free and can provide invaluable advice.

Auto insurance policy coverages for a Kia Sportage

Knowing the specifics of a auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverage types offered by auto insurance companies.

Coverage for collisions

This covers damage to your Sportage resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sustaining damage from a pot hole, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like a broken windshield, damage from flooding, falling objects, damage from getting keyed and damage from a tornado or hurricane. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for liability

This coverage can cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as court costs, attorney fees, emergency aid, structural damage and funeral expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like hospital visits, doctor visits and ambulance fees. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2019 Kia Sportage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Power to the consumer

Some auto insurance companies may not offer rate quotes online small insurance companies only sell coverage through local independent agencies. The cheapest 2019 Kia Sportage insurance is attainable from both online companies and also from your neighborhood agents, so you should compare both to have the best chance of lowering rates.

When trying to cut insurance costs, don’t be tempted to reduce coverage to reduce premium. In many instances, someone sacrificed full coverage only to find out they didn’t purchase enough coverage. Your objective should be to purchase plenty of coverage at a price you can afford but still have enough coverage for asset protection.

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