Cheap 2023 Kia Sportage Car 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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Searching for cheaper auto insurance rates for your Kia Sportage? I can’t think of anyone who likes buying auto insurance, especially knowing the cost is way too high. With so many options when it comes to auto insurance, it’s difficult to find the most affordable auto insurance provider.

Choosing the best insurance company for you is quite easy. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these tips. Drivers just need to understand how to find the lowest price on the web.

Cheap auto insurance rates with discounts

Not many people think insurance is cheap, but you may be missing some discounts to help bring down the price. Certain discounts will be triggered automatically when you purchase, but some need to be asked for before you get the savings. If you do not double check each discount you deserve, you could be getting lower rates.

  • Paperwork-free – Some of the larger companies will give a small break shop auto insurance on their website.
  • Senior Citizen Discount – Seniors may qualify for a small decrease in premiums for Sportage coverage.
  • No Claims – Insureds with no claims or accidents pay much less in comparison with drivers with a long claim history.
  • Employee of Federal Government – Federal government employees could qualify for a slight premium decrease for Sportage coverage but check with your company.
  • Driver’s Education for Students – Cut your cost by having your teen driver participate in a local driver’s education class as it can save substantially.
  • Distant College Student Discount – College-age children who live away from home to go to college and don’t have a car can be insured at a reduced rate.

While discounts sound great, it’s important to understand that most credits do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comp or med pay. Even though it appears having all the discounts means you get insurance for free, that’s just not realistic.

A list of auto insurance companies and a selection of discounts are detailed below.

  • State Farm policyholders can earn discounts including driver’s education, passive restraint, anti-theft, accident-free, good driver, Drive Safe & Save, and multiple policy.
  • Esurance has savings for anti-theft, good student, homeowner, online quote, defensive driver, Pac-12 alumni, and online shopper.
  • Progressive includes discounts for online signing, multi-policy, multi-vehicle, online quote discount, homeowner, and good student.
  • Liberty Mutual may include discounts for good student, newly married, new move discount, preferred payment discount, new graduate, new vehicle discount, and exclusive group savings.
  • Auto-Owners Insurance has discounts for multiple vehicles, company car, air bags, safe driver, paid in full, and student away at school.
  • GEICO may offer discounts for federal employee, driver training, military active duty, daytime running lights, and multi-vehicle.

When comparing rates, check with all the companies which discounts they offer. Some discounts listed above may not apply to policyholders in your area.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions can help discover whether you might need an agent’s assistance.

  • Can I afford low physical damage deductibles?
  • Should I sign the liability waiver when renting a car?
  • Does liability extend to a camper or trailer?
  • What vehicles should carry emergency assistance coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I need more liability coverage?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverages and their meanings

Having a good grasp of your insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are typical coverages found on the average insurance policy.

Collision coverage

This pays for damage to your Sportage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as driving through your garage door, hitting a mailbox, backing into a parked car, sideswiping another vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Liability coverage

This coverage provides protection from damages or injuries you inflict on other people or property. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like pain and suffering, repair bills for other people’s vehicles and attorney fees. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as doctor visits, hospital visits and surgery. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

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.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a deer, rock chips in glass, theft, damage from flooding and falling objects. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Be a smart shopper

We just covered some good ideas how you can lower your 2023 Kia Sportage insurance car insurance rates. The key thing to remember is the more providers you compare, the better your chances of lowering your premium rates. Drivers may discover the lowest car insurance rates are with a small mutual company. Some small companies may have significantly lower premium rates on certain market segments than their larger competitors like GEICO and State Farm.

While you’re price shopping online, don’t be tempted to reduce needed coverages to save money. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. The goal is to get the best coverage possible for the lowest cost while still protecting your assets.

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