Save Money on Kia Sportage Insurance in Riverside

Discount Kia Sportage insuranceSearching for low-cost insurance for a Kia Sportage in California could be difficult, but you can use the following methods to find lower rates.

There is a better way to compare car insurance rates so we’re going to tell you the quickest way to compare rates on a Kia and obtain the cheapest rates from Riverside insurance agents and online providers.

If you are insured now or just want cheaper coverage, you will benefit by learning to get lower rates and possibly find even better coverage. Finding and comparing the best-priced policy in Riverside is not that difficult. Comparison shoppers just need to know the proper way to shop for car insurance over the internet.

The best way to get rate comparisons for Kia Sportage insurance in Riverside is to take advantage of the fact almost all companies pay for the opportunity to give rate comparisons. The one thing you need to do is provide details like the ages of drivers, your occupation, if it has an anti-theft system, and which vehicles you own. That rating data is automatically sent to many of the top insurers and you receive quotes instantly.

To compare rates for your Kia Sportage now, click here and enter your coverage details.

The providers in the list below are our best choices to provide free rate quotes in Riverside, CA. If multiple companies are shown, we suggest you visit two to three different companies to get the best price comparison.

Kia Sportage insurance coverage information

The coverage information below covers a range of coverage costs for Kia Sportage models. Learning a little about how policy rates are formulated is important for you to make informed decisions when shopping around for a new policy.

Kia Sportage Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $302 $520 $456 $26 $136 $1,440 $120
Sportage LX 2WD 4-Dr $302 $520 $456 $26 $136 $1,440 $120
Sportage EX 2WD 4-Dr $346 $632 $456 $26 $136 $1,596 $133
Sportage LX 4WD 4-Dr $346 $632 $456 $26 $136 $1,596 $133
Sportage LX $346 $632 $456 $26 $136 $1,596 $133
Sportage EX 4WD 4-Dr $346 $632 $456 $26 $136 $1,596 $133
Get Your Own Custom Quote Go

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rate information does not factor in Riverside location which can affect premium rates considerably.

Deductible comparison

When shopping for car insurance, a common question is where should you set your physical damage deductibles. The following tables approximate how much more you’ll pay when you select higher and lower coverage deductibles. The first set of prices uses a $250 deductible and the second price chart 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 $298 $472 $442 $26 $132 $1,395 $116
Sportage LX 2WD 4-Dr $298 $472 $442 $26 $132 $1,395 $116
Sportage EX 2WD 4-Dr $342 $576 $442 $26 $132 $1,543 $129
Sportage LX 4WD 4-Dr $342 $576 $442 $26 $132 $1,543 $129
Sportage LX $342 $576 $442 $26 $132 $1,543 $129
Sportage EX 4WD 4-Dr $342 $576 $442 $26 $132 $1,543 $129
Get Your Own Custom Quote Go

Kia Sportage insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $242 $382 $442 $26 $132 $1,224 $102
Sportage LX 2WD 4-Dr $242 $382 $442 $26 $132 $1,224 $102
Sportage EX 2WD 4-Dr $278 $464 $442 $26 $132 $1,342 $112
Sportage LX 4WD 4-Dr $278 $464 $442 $26 $132 $1,342 $112
Sportage LX $278 $464 $442 $26 $132 $1,342 $112
Sportage EX 4WD 4-Dr $278 $464 $442 $26 $132 $1,342 $112
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can lower or raise coverage rates greatly.

Using the data above, we can ascertain that using a $250 deductible will cost you approximately $16 more each month or $192 every year across all Kia Sportage models than opting for the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 16 months between claim filings, you would probably save some money going with the higher deductible. Here’s a better example of how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $125
Average monthly premium for $500 deductibles (subtract): – $109
Monthly savings from raising deductible: $16
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

An important thing to remember is that higher deductibles results in having to pay to pay more out-of-pocket when you file a claim. That will force you to have access to more funds in the event you have to pay the deductible for vehicle repair.

The illustration below shows how choosing a deductible and can affect Kia Sportage insurance premiums for different age groups of insureds. The rate quotes are based on a married female driver, full physical damage coverage, and no policy discounts are applied.

Men versus women drivers and insurance cost

The information below illustrates the comparison of Kia Sportage insurance prices for male and female drivers. The prices are based on no accidents or driving violations, full physical damage coverage, $1,000 deductibles, single status, and no discounts are factored in.

Why you need to buy insurance

Despite the high cost of buying insurance for a Kia Sportage in Riverside, maintaining insurance serves several important purposes.

First, almost all states have mandatory insurance requirements which means it is punishable by state law to not carry specific limits of liability insurance if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you bought your vehicle with a loan, it’s guaranteed your bank will make it a condition of the loan that you carry insurance to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Kia at a more expensive rate and make you pay much more than you were paying before.

Third, insurance preserves not only your Kia but also your assets. Insurance will pay for medical expenses for not only you but also any passengers injured in an accident. Liability coverage also covers legal expenses if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.

The benefits of buying insurance more than offset the price you pay, particularly when you have a large claim. As of last year, the average driver in California is wasting up to $810 a year so you should quote your policy with other companies once a year at a minimum to make sure the price is not too high.

How Your Sportage Insurance Prices are Determined

Many factors are part of the equation when pricing auto insurance. A few of the factors are predictable such as traffic violations, but others are less apparent such as your credit history or your financial responsibility.

Listed below are most of the major factors used by companies to determine prices.

Never go without insurance – Driving any period of time without insurance can get you a ticket and your next policy will cost more because you let your coverage lapse. And not only will insurance be more expensive, being ticketed for driving with no insurance might get you a fine, jail time, or a revoked license.

Don’t buy add-on coverages that may not be needed – There are a ton of extra coverages that can waste your money if you don’t pay attention. Coverages for coverage for rental cars, accident forgiveness, and Farm Bureau memberships are examples of these. You may think they are a good idea when buying your policy, but now you might not need them so eliminate the coverages to reduce your premium.

City traffic equals higher prices – Choosing to live in a small town can save you money if you are looking for the lowest rates. Lower population corresponds to lower accident rates as well as less vandalism and auto theft. Urban drivers have to deal with traffic congestion and longer commute times. More time behind the wheel translates into higher accident risk.

Do safer cars cost less to insure? – Vehicles with good safety scores get lower rates. These vehicles reduce injuries and lower rates of occupant injuries translates into savings for insurance companies passed on to you as lower rates. If your Kia Sportage is rated at a minimum four stars on or an “acceptable” rating on it may cost less to insure.

Kia Sportage claim statistics – Insurers use past insurance losses in order to profitably underwrite each model. Vehicles that the data shows to have higher claim amounts or frequency will cost more to insure. The next table shows the insurance loss data used by companies for Kia Sportage vehicles.

For each coverage category, the loss probability for all vehicles, without regard to make or model, is considered to be 100. Numbers shown that are under 100 are indicative of better than average losses, while values over 100 show a trend for more claims or statistically larger claims.

Kia Sportage Insurance Claim Statistics
Vehicle 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

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Don’t give up on affordable coverage

Cheap Kia Sportage insurance in Riverside can be found both online and from local agencies, and you need to comparison shop both so you have a total pricing picture. Some car insurance companies may not have rates over the internet and usually these small insurance companies prefer to sell through independent insurance agents.

While you’re price shopping online, do not buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced liability limits or collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to purchase plenty of coverage at a price you can afford and still be able to protect your assets.

Insureds who switch companies do it for any number of reasons including high prices, delays in paying claims, delays in responding to claim requests and even unfair underwriting practices. Regardless of your reason for switching companies, finding the right car insurance provider can be pretty painless.

How to find affordable quotes for Kia Sportage insurance in Riverside

If saving the most money is your goal, then the best way to find affordable Kia Sportage insurance in Riverside is to do a yearly price comparison from insurance carriers in California.

First, try to learn a little about individual coverages and the things you can control to keep rates in check. Many things that cause rate increases such as at-fault accidents and your credit history can be remedied by improving your driving habits or financial responsibility.

Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like GEICO or State Farm, while independent agents can provide rate quotes for a wide range of insurance providers. Get quotes now

Third, compare the new quotes to your current policy to see if switching to a new carrier will save money. If you find better rates and decide to switch, ensure coverage does not lapse between policies.

An important note is to compare the same coverage limits and deductibles on each price quote and and to compare as many companies as you can. Doing this guarantees an apples-to-apples comparison and a thorough selection of prices.

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