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Kia Sportage Insurance Rates

Comparing auto insurance through online companies can be fast and easy and at the same time you may find lower rates. The most important part is to compare rates from all providers so you can get the cheapest rate quotes.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of online companies selling insurance. Finding lower Sportage insurance cost is not a difficult process. You just have to spend a little time to compare quotes provided by online insurance companies. This can be done by completing this short form.

Which factors influence the rate you pay?

Insurance premiums paid to insure a Kia Sportage will vary greatly depending on several factors. Taken into consideration are:

  • A clean driving record keeps rates low
  • Your credit history
  • Male drivers pay higher rates
  • Low deductibles cost more
  • Your vehicle's safety rating
  • Whether or not you have claims
  • Maintaining coverage lowers rates
  • Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. New vehicles have a higher value compared to older Kia models so the cost to replace them will push premiums up. But new Kia models have more advanced features including adaptive cruise control, pedestrian detection, and lane departure warning system so those may give discounted rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Coverage for liability - This coverage provides protection from damages or injuries you inflict on a person or their property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as much as you can afford.

Collision coverage - This coverage pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments - Medical payments and Personal Injury Protection insurance pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.

How Much are Kia Sportage Insurance Rates?