Best Insurance for a Kia Sportage in El Paso

Insurance quote for Kia Sportage in El PasoScraping up a payment for expensive Kia Sportage insurance in El Paso can diminish your monthly budget and force you to tighten up your finances.

It’s shocking but the vast majority of consumers kept buying from the same company for over three years, and roughly 40% of drivers have never compared rates to find cheap insurance. Drivers in the United States could pocket nearly 47% a year, but they don’t know how much they could save if they moved their coverage to a different company.

Steps to finding cheaper rates for Kia Sportage insurance in El Paso

The easiest way to find cheaper car insurance rates in El Paso is to do a yearly price comparison from companies that insure vehicles in Texas. You can compare prices by following these guidelines.

  1. Take a few minutes and learn about how insurance companies determine prices and the measures you can take to keep rates in check. Many factors that result in higher rates like distracted driving and a negative credit rating can be remedied by being financially responsible and driving safely.
  2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like GEICO or Allstate, while independent agents can quote prices from multiple companies.
  3. Compare the new rate quotes to your existing policy to determine if you can save on Sportage insurance. If you can save money and make a switch, make sure there is no lapse in coverage.
  4. Provide proper notification to your current company to cancel the current policy. Submit the completed application along with a down payment for the new coverage. As soon as coverage is bound, store the proof of insurance paperwork in your vehicle’s glove compartment or console.

An essential thing to point out is to use the same coverage limits and deductibles on every quote request and and to get price quotes from as many auto insurance providers as possible. This guarantees a fair price comparison and plenty of rates choose from.

Due to the fact that there are so many online and local companies to choose from, it is very difficult to find the lowest cost insurer.

It’s a great practice to take a look at other company’s rates every six months since insurance prices change frequently. Even if you think you had the lowest rate on Kia Sportage insurance in El Paso at your last renewal there is a good chance you can find better premium rates now. There is a lot of bad advice regarding Sportage insurance online but you can learn a lot of great tips on how to buy car insurance cheaper in El Paso.

Learn How to Quote Auto Insurance at a Discount

Smart consumers have a good feel for the factors that play a part in calculating the rates you pay for auto insurance. When consumers understand what impacts premium levels, this allows you to make educated decisions that will entitle you to much lower annual insurance costs. Lots of things are considered when you quote your car insurance policy. Some factors are common sense such as traffic violations, although some other factors are less apparent such as whether you are married or how financially stable you are.

Rates and statistics

The rate table below covers detailed analysis of policy rates for Kia Sportage models. Knowing how insurance prices are determined can help customers make informed decisions.

Kia Sportage Insurance Rates in El Paso, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $292 $408 $500 $30 $150 $1,380 $115
Sportage LX 2WD 4-Dr $292 $408 $500 $30 $150 $1,380 $115
Sportage EX 2WD 4-Dr $336 $496 $500 $30 $150 $1,512 $126
Sportage LX 4WD 4-Dr $336 $496 $500 $30 $150 $1,512 $126
Sportage LX $336 $496 $500 $30 $150 $1,512 $126
Sportage EX 4WD 4-Dr $336 $496 $500 $30 $150 $1,512 $126
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in zip code location which can influence auto insurance rates greatly.

Deductible analysis

The hardest decision when buying coverage is how high should the physical damage deductibles be. The rates below can help illustrate the cost difference between high and low insurance deductibles. The first rate estimation uses a $250 deductible for physical damage and the second pricing table uses a $500 deductible.

Kia Sportage insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $256 $408 $382 $22 $114 $1,207 $101
Sportage LX 2WD 4-Dr $256 $408 $382 $22 $114 $1,207 $101
Sportage EX 2WD 4-Dr $294 $496 $382 $22 $114 $1,333 $111
Sportage LX 4WD 4-Dr $294 $496 $382 $22 $114 $1,333 $111
Sportage LX $294 $496 $382 $22 $114 $1,333 $111
Sportage EX 4WD 4-Dr $294 $496 $382 $22 $114 $1,333 $111
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Kia Sportage insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $208 $328 $382 $22 $114 $1,054 $88
Sportage LX 2WD 4-Dr $208 $328 $382 $22 $114 $1,054 $88
Sportage EX 2WD 4-Dr $240 $400 $382 $22 $114 $1,158 $97
Sportage LX 4WD 4-Dr $240 $400 $382 $22 $114 $1,158 $97
Sportage LX $240 $400 $382 $22 $114 $1,158 $97
Sportage EX 4WD 4-Dr $240 $400 $382 $22 $114 $1,158 $97
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in vehicle location which can lower or raise insurance rates substantially.

Based on these figures, using a $250 deductible would cost the average driver about $14 more each month or $168 a year than quoting the higher $500 deductible. Because you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 18 months between claims, you would probably come out ahead going with the higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $108
Average monthly premium for $500 deductibles (subtract): – $94
Monthly savings from raising deductible: $14
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One important caveat is that raising deductibles means you will have to pay more if you have a claim. That will necessitate access to more funds in order to pay the higher deductible in order to repair your vehicle.

Auto insurance rates by age and gender in El Paso

The illustration below illustrates the difference between Kia Sportage auto insurance rates for male and female drivers. The data assumes no claims, a clean driving record, full physical damage coverage, $100 deductibles, drivers are not married, and no discounts are taken into consideration.

Do you need full coverage?

The illustration below illustrates the comparison of Kia Sportage auto insurance costs when comparing full coverage to state minimum liability only. The data is based on no tickets, no at-fault accidents, $100 deductibles, single marital status, and no discounts are taken into consideration.

Guidelines for dropping full coverage

There is no set rule to eliminate comp and collision coverage, but there is a guideline you can use. If the annual cost of coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let’s assume your Kia Sportage replacement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $3,000 after paying your deductible. If you are paying in excess of $300 a year to have full coverage, then it may be the right time to buy liability only.

There are some conditions where removing full coverage is not a good plan. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not buy liability only.

El Paso auto insurance discounts

Some providers don’t always publicize all discounts in an easy-to-find place, so the next list breaks down some of the best known and also the more inconspicuous credits that may apply to you.Auto insurance discounts

It’s important to understand that some of the credits will not apply to the whole policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, you’re out of luck.

The diagram below shows the comparison of Kia Sportage annual premium costs with and without some available policy discounts. The rate quotes are based on a male driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, marriage, safe-driver, and multi-car discounts applied.

A few popular companies and some of their more popular discounts are outlined below.

Check with each company to apply every possible discount. Some discounts might not be available to policyholders in El Paso. To see a list of providers that offer the discounts shown above in Texas, follow this link.

Best car insurance company in El Paso

Insuring your vehicle with a high-quality car insurance company is difficult considering how many choices you have in Texas. The ranking information displayed below may help you decide which insurers to look at comparing rate quotes with.

Best Car Insurance Companies in El Paso
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Quote more to save more

Throughout this article, we presented some good ideas how to reduce Kia Sportage insurance premium rates online in El Paso. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers may even find the lowest premium rates come from the least-expected company. These companies may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.

When getting El Paso auto insurance quotes online, you should never skimp on coverage in order to save money. In many cases, an insured dropped full coverage only to regret that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage at the best cost while still protecting your assets.

Steps to finding cheaper rates for Kia Sportage insurance in El Paso

If saving the most money is your goal, then the best way to get affordable Kia Sportage insurance is to start comparing rates regularly from companies who provide car insurance in El Paso.

A key point to remember is to compare identical deductibles and limits on every quote request and and to compare as many companies as possible. This provides an accurate price comparison and the best price selection.

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