Best Insurance for a Kia Sportage in El Paso

Scraping 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.

• How credit rating affects auto insurance rates – Having a good credit score is a big factor in calculating your auto insurance rates. Insureds that have excellent credit scores tend to be more responsible than drivers who have worse credit. If your credit score could use some work, you could pay less to insure your Kia Sportage by improving your credit score.
• Save money with alarms and GPS tracking – Choosing a vehicle with a theft deterrent system can help bring down rates. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent car theft and help bring rates down.
• Pay more out-of-pocket – Comp and collision deductibles are how much you are willing to pay out-of-pocket if a claim is determined to be covered. Coverage for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your car. A few examples of covered claims could be colliding with a stationary object, hail damage, and damage from wind. The higher the amount you have to pay, the better rate you will receive.
• File insurance claims and pay more – Companies in Texas award discounts to drivers who file claims infrequently. If you are the type of insured that files lots of claims you can expect either a policy non-renewal or much higher rates. Insurance coverage is intended for major claims that would cause financial hardship.
• Single vs. married – Having a significant other can actually save you money on your auto insurance policy. Having a significant other generally demonstrates drivers are more mature than a single person and insurance companies like that married drivers get in fewer accidents.
• Occupation reflects on prices – Did you know your occupation can influence how much you pay for auto insurance? Jobs such as military generals, business owners, and miners tend to pay higher premium rates in part from high stress and long work days. On the flip side, jobs like scientists, engineers and performers have lower than average premiums.

• Drive a fast vehicle and pay more – The make and model of the vehicle you need insurance for makes a huge difference in your car insurance bill. The best insurance prices will normally be found when insuring economy passenger cars, but many other things help determine your insurance rates.

  The data below is based on a single male driver age 30, full coverage with $1000 deductibles, and no discounts or violations. The data compares Kia Sportage policy rates compared to other models that have different risk factors.

• Insurance loss data for Kia Sportage vehicles – Car insurance companies take into consideration historical loss data for every vehicle when they set coverage costs for each model. Vehicles that the data determines to have a trend towards higher claim severity or frequency will cost more for specific coverages. The next table shows the collected loss data for Kia Sportage vehicles.

  For each type of coverage, the loss probability for all vehicles averaged together is considered to be 100. Numbers below 100 suggest losses that are better than average, while percentage numbers above 100 indicate more frequent losses or an increased chance of a larger loss.

  
  

  Kia Sportage Insurance Loss Statistics

  Vehicle Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Kia Sportage 4dr 2WD	82	100	66	113	127	109
  Kia Sportage 4dr 4WD	90	100	83	116	108	101

  BETTER

  AVERAGE

  WORSE

  Statistics from IIHS.org for 2013-2015 Model Years

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.

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.

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.

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.

• Distant College Student Discount – Kids living away from El Paso attending college and do not take a car to college can receive lower rates.
• One Accident Forgiven – This one isn’t a discount, but companies like Progressive, Allstate, and Liberty Mutual may permit one accident without getting socked with a rate hike if your claims history is clear before the accident.
• Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to wear their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
• Home Ownership Discount – Owning a home in El Paso can save a few bucks because maintaining a house demonstrates responsibility.
• Life Insurance Discount – Select companies reward you with a discounted premium rate on car insurance if you buy a life policy as well.
• Bundled Policy Discount – If you insure your home and vehicles with one company you could get a discount of at least 10 to 15 percent or more.

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.

• Farm Bureau policyholders can earn discounts including multi-policy, driver training, 55 and retired, youthful driver, renewal discount, and safe driver.
• MetLife may offer discounts for multi-policy, accident-free, defensive driver, claim-free, and good driver.
• Progressive offers discounts including continuous coverage, online signing, online quote discount, good student, homeowner, and multi-policy.
• AAA may include discounts for good driver, anti-theft, education and occupation, multi-car, and pay-in-full.
• American Family has savings for good student, early bird, good driver, air bags, multi-vehicle, bundled insurance, and defensive driver.
• GEICO may have discounts that include anti-lock brakes, anti-theft, daytime running lights, federal employee, and five-year accident-free.
• State Farm includes discounts for multiple policy, anti-theft, defensive driving training, student away at school, and passive restraint.

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.

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.

• Step 1: Read and learn about coverages and the things you can control to prevent rate increases. Many rating factors that drive up the price like tickets, at-fault accidents, and bad credit can be eliminated by paying attention to minor details.
• Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from one company like Progressive or Allstate, while agents who are independent can give you price quotes from multiple companies.
• Step 3: Compare the new rates to your existing coverage to see if switching to a new carrier will save money. If you find better rates and change companies, make sure there is no coverage gap between policies.

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.

Helpful articles

• Car Insurance: When not to Skimp (BankRate.com)
• Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
• Safety Features for Your New Car (State Farm)