To save the most money, the best way to get cheaper Kia Sportage insurance is to make a habit of regularly comparing prices from companies in Chandler. Rates can be compared by following these guidelines.
First, take a few minutes and learn about what is in your policy and the changes you can make to drop your rates. Many factors that are responsible for high rates like careless driving and an imperfect credit history can be improved by making small lifestyle or driving habit changes. Read the full article for the details to lower rates and find available discounts that you may qualify for.
Second, obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from a single company like Progressive or Allstate, while independent agencies can quote rates from multiple companies.
Third, compare the new rate quotes to your existing policy to see if you can save by switching companies. If you find better rates, make sure there is no coverage gap between policies.
Fourth, give notification to your current company to cancel your current car insurance policy. Submit payment and a completed application to the new company. Make sure you place the new proof of insurance certificate in your vehicle.
A crucial key to this process is that you’ll want to make sure you compare similar limits and deductibles on each quote request and and to get price quotes from as many different companies as possible. This enables the most accurate price comparison and a complete price analysis.
A recent auto insurance study discovered that over 70% of consumers have bought auto insurance from the same company for well over three years, and virtually 40% of consumers have never compared quotes from other companies. With the average auto insurance premium being $1,600, Arizona drivers can save hundreds of dollars each year just by comparing rates, but most tend to underestimate the benefits if they switched.
The best way we recommend to compare policy rates for Kia Sportage insurance in Chandler is to know most of the bigger providers will pay a fee to provide you with free rate quotes. To get started, all you need to do is provide information such as types of safety features, if your license is active, if you’re married, and whether you drive to work or school. Your details is then submitted to multiple different insurance companies and you get price estimates instantly to find the best rate.
To compare rates for your Kia Sportage now, click here and complete the quick form.
The companies shown below have been selected to offer free rate quotes in Chandler, AZ. If you wish to find cheap auto insurance in AZ, we suggest you visit two to three different companies in order to find the cheapest rates.
Determine discounts to get cheap Chandler auto insurance rates
Auto insurance is neither fun to buy or cheap, but there’s a good chance there are discounts to help offset the cost. Certain discounts will be applied when you get a quote, but some discounts are required to be asked for before they will apply.
- Drive Safe and Save – Drivers who don’t get into accidents can save up to 40% or more on their Chandler auto insurance quote than less cautious drivers.
- Driver’s Education for Students – Have your child enroll in driver’s education if it’s offered in school.
- Student Discounts – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last until age 25.
- Telematics Devices – Chandler drivers who agree to allow data collection to monitor vehicle usage by using a telematics device in their vehicle such as State Farm’s In-Drive might see lower rates if they show good driving skills.
- Drive Less and Save – Low mileage vehicles can earn slightly better auto insurance rates than normal.
- More Vehicles More Savings – Insuring primary and secondary vehicles with the same auto insurance company can reduce the rates for all insured vehicles.
One last thing about discounts, most credits do not apply to the whole policy. Some only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way. But any discount will positively reduce your overall bill.
The example below visualizes the comparison of Kia Sportage insurance costs with and without policy discounts. The data assumes a male driver, no violations or claims, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-car, claim-free, homeowner, and multi-policy discounts applied.
Companies that may have many of the previously listed discounts may include but are not limited to:
It’s a good idea to ask every insurance company which discounts you may be entitled to. Discounts might not apply in your area. To view companies who offer discounts in Arizona, click here to view.
Analysis of Kia Sportage rates
The rate table displayed below showcases detailed analysis of insurance rates for Kia Sportage models. Having a better understanding of how rates are determined can assist in making smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $142 | $266 | $338 | $20 | $102 | $868 | $72 |
| Sportage LX 2WD 4-Dr | $142 | $266 | $338 | $20 | $102 | $868 | $72 |
| Sportage EX 2WD 4-Dr | $162 | $324 | $338 | $20 | $102 | $946 | $79 |
| Sportage LX 4WD 4-Dr | $162 | $324 | $338 | $20 | $102 | $946 | $79 |
| Sportage LX | $162 | $324 | $338 | $20 | $102 | $946 | $79 |
| Sportage EX 4WD 4-Dr | $162 | $324 | $338 | $20 | $102 | $946 | $79 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can influence coverage prices noticeably.
Deductible analysis
One of the hardest decisions when shopping for auto insurance is how low should you set your deductibles. The premium rates below illustrate the rate differences when you select higher and lower insurance deductibles. The first price estimate table uses a $100 physical damage coverage deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $224 | $382 | $300 | $18 | $90 | $1,039 | $87 |
| Sportage LX 2WD 4-Dr | $224 | $382 | $300 | $18 | $90 | $1,039 | $87 |
| Sportage EX 2WD 4-Dr | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Sportage LX 4WD 4-Dr | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Sportage LX | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Sportage EX 4WD 4-Dr | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $124 | $202 | $300 | $18 | $90 | $734 | $61 |
| Sportage LX 2WD 4-Dr | $124 | $202 | $300 | $18 | $90 | $734 | $61 |
| Sportage EX 2WD 4-Dr | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Sportage LX 4WD 4-Dr | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Sportage LX | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Sportage EX 4WD 4-Dr | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Prices do not factor in Chandler location which can impact rates considerably.
Based on the figures above, using a $100 deductible could cost the average driver approximately $28 more each month or $336 each year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you go at least 32 months between claims, you would save money if you elect the higher deductible.
The illustration below highlights how deductible choice and can increase or decrease Kia Sportage insurance prices for each different age group. The prices are based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Accidents and violations increase rates
The chart below shows how speeding tickets and accident claims can affect Kia Sportage premium costs for each age group. The premiums assume a single female driver, full coverage, $500 deductibles, and no discounts are applied to the premium.
Yearly auto insurance costs for men versus women
The information below shows the comparison of Kia Sportage premium costs for male and female drivers. The rates are based on a clean driving record, no at-fault accidents, full physical damage coverage, $500 deductibles, single marital status, and no other discounts are factored in.
Car insurance agents can find coverage gaps
A small number of people still prefer to sit down and talk to an agent and that is OK! A good thing about comparing rates online is you may find cheap car insurance quotes and also buy local.
Once you complete this simple form, your information gets sent to local insurance agents in Chandler that can give you free Chandler auto insurance quotes for your coverage. There is no reason to search for any insurance agencies due to the fact that quote results will go to your email. You can most likely find cheaper rates and a licensed agent to work with. If you want to quote rates from a particular provider, just find their quoting web page to submit a rate quote request.
Finding the right company should depend on more than just the quoted price. Ask your prospective agent these questions:
- How would your car be valued if totaled?
- Does the agency have a current Errors and Omissions policy?
- Are they involved in claim handling?
- Do they have designations such as AIC, CPCU, or CIC?
- Does the company have a solid financial rating?
- Can glass claims be handled at your home?
- Which members of your family are coverage by the policy?
Pick the best auto insurance agent in Chandler for you
If you are searching for an insurance agent, there are a couple of types of insurance agents and how they operate. Chandler agents are considered either independent agents or exclusive agents depending on their employer.
Exclusive Car Insurance Agencies
Exclusive insurance agents work for only one company such as Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot provide other company’s prices so you need to shop around if the rates are high. Exclusive insurance agents are well trained on what they offer which helps offset the inability to provide other markets. Some consumers prefer to buy from exclusive agents partially due to the brand legacy and the convenience of having all coverages with one company.
The following are Chandler exclusive insurance agencies that are able to give price quotes.
- American Family Insurance – Craig Lloyd
1801 W Queen Creek Rd #1 – Chandler, AZ 85248 – (480) 899-8549 – View Map - Farmers Insurance: John D Donadio Insurance Agency
1727 N Arizona Ave #9 – Chandler, AZ 85225 – (480) 382-1570 – View Map - Scott Thomas – State Farm Insurance Agent
950 E Pecos Rd #2 – Chandler, AZ 85225 – (480) 782-0100 – View Map
Independent Car Insurance Agencies
Agents that elect to be independent often have affiliation with several companies and that enables them to quote your coverage with multiple insurance companies and help determine which has the cheapest rates. If they find a lower price, they can switch companies in-house without you having to go to a different agency.
If you need cheaper car insurance rates, we recommend you get insurance quotes from independent agents so that you have a good selection of quotes to compare. Most have the option of insuring with companies you’ve never heard of that many times have cheaper rates.
The following are independent insurance agencies in Chandler who can help you get comparison quotes.
- Nationwide – Daniel McLean Kendree AGENCY
1005 S Arizona Ave – Chandler, AZ 85286 – (480) 857-0056 – View Map - J L Pound Insurance Agency
12139 E Cloud Rd – Chandler, AZ 85249 – (602) 284-2141 – View Map - Independent Insurance Agent
5165 S Eileen Dr – Chandler, AZ 85248 – (480) 220-7233 – View Map
The coverage is in the details
Knowing the specifics of auto insurance can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.
Auto liability
This coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 15/30/10 which stand for $15,000 in coverage for each person’s injuries, a total of $30,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property.
Liability coverage pays for claims like funeral expenses, loss of income and medical expenses. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible. Arizona state minimum liability requirements are 15/30/10 but you should consider buying higher limits.
The next chart shows why buying minimum limits may not be adequate.
Comprehensive or Other Than Collision
This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for things like falling objects, fire damage, damage from flooding and damage from a tornado or hurricane. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
UM/UIM Coverage
This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Kia Sportage.
Since a lot of drivers only purchase the least amount of liability that is required (15/30/10), their limits can quickly be used up. So UM/UIM coverage is very important.
Auto collision coverage
Collision insurance will pay to fix damage to your Sportage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against claims like sideswiping another vehicle, damaging your car on a curb, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible on your Sportage to bring the cost down.
Medical costs insurance
Coverage for medical payments and/or PIP pay for bills for nursing services, funeral costs, rehabilitation expenses, ambulance fees and chiropractic care. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible
Compare but don’t skimp
You just read a lot of ways to lower your Kia Sportage insurance prices in Chandler. The key concept to understand is the more times you quote, the better your comparison will be. You may even be surprised to find that the most savings is with the least-expected company.
Budget-conscious Kia Sportage insurance can be found on the web and also from your neighborhood Chandler agents, so you need to shop Chandler auto insurance with both to have the best chance of lowering rates. Some companies may not have internet price quotes and most of the time these smaller providers work with local independent agents.
As you quote Chandler auto insurance, you should never sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at an affordable rate but still have enough coverage for asset protection.
Additional auto insurance information can be read on the following sites:
- Auto Insurance 101 (About.com)
- Who Has the Cheapest Car Insurance for a Hyundai Elantra in Chandler? (FAQ)
- Who Has the Cheapest Chandler Car Insurance for Low Income Drivers? (FAQ)
- What Auto Insurance is Cheapest for a Jeep Grand Cherokee in Chandler? (FAQ)
- Distracted Driving Statistics (Insurance Information Institute)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)