How to Save on Kia Sportage Insurance in Laredo

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Has it been over a year since you last compared quotes for more affordable Kia Sportage insurance in Laredo? Comparing Laredo auto insurance quotes online might sound like a lofty goal if you've never received online price quotes. But don't throw in the towel because we're going to show you how to find affordable Kia Sportage in Laredo.

Insurance rates Kia Sportage in LaredoUnbelievably, a large majority of drivers have been with the same company for more than four years, and nearly half have never compared rates from other carriers. With the average premium in Texas being $2,679, drivers could save an average of almost 70% each year just by getting comparison quotes, but they don't want to spend time to compare rates online.

How do Insurance Providers Determine Kia Sportage Insurance Rates?

Lots of things are part of the equation when you get your auto insurance bill. Some are obvious such as your driving history, although others are not as apparent like where you live or your commute time.

The items below are some of the factors used by your company to calculate prices.

  • Companies want multiple policies - Lots of insurers afford discounts to clients that buy multiple policies in the form of a multi-policy discount. If you currently are using one company, you still need to check prices from other companies to make sure you are getting the best deal.There is a good possibility that you can save more without the discount even if you insure with multiple companies
  • Big cities mean more claims - Living in a small town can be a good thing when trying to find low car insurance rates. Fewer drivers translates into fewer accident claims and also fewer theft and vandalism claims. People in densely populated areas tend to have more aggressive driving styles and a longer drive to work. Spending more time driving means more chance of being in an accident.
  • Keep claims to a minimum - If you file a lot of claims you can expect either a policy non-renewal or much higher rates. Car insurance companies in Texas provide the lowest premiums to policyholders who do not rely on their insurance for small claims. Your car insurance is intended for claims that pose a financial burden.
  • Only buy coverage you need - Insurance policies have a lot of add-on coverages you can purchase on your car insurance policy. Coverages like replacement cost coverage, towing, and Farm Bureau memberships could be just wasting money. They may seem good when deciding what coverages you need, but your money might be better spent on other coverage so consider taking them off your policy.
  • Premiums are lower the older you get - Young drivers in Texas have a tendency to be inattentive and easily distracted when behind the wheel so car insurance rates are higher. Older people are proven to be safer behind the wheel, tend to cause fewer accidents, and get fewer tickets.

    The following chart assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.

  • Adjust deductibles and save - Physical damage coverage, also known as collision and other-than-collision, covers your vehicle from damage. Examples of some claims that would be covered could be a windshield shattered by a rock, damage from fire, and rolling your vehicle. The deductibles are the amount of money you are required to pay before a claim is paid by your company. The more of the claim the insured has to pay upfront, the lower your rates will be.
  • Kia Sportage insurance claim data - Insurance companies take into consideration insurance loss statistics for every vehicle to calculate a price that will offset losses. Models that the data shows to have higher prevalence or dollar amount of losses will have increased rates. The table below shows the historical loss data for Kia Sportage vehicles.

    For each policy coverage type, the claim amount for all vehicles averaged together is considered to be 100. Numbers shown that are under 100 suggest a positive loss record, while numbers shown that are more than 100 indicate more frequent claims or statistically larger claims.

    Auto Insurance Loss Data for Kia Sportage Models
    Specific Kia 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

    Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Car insurance statistics and figures

The premium information displayed below covers different insurance prices for Kia Sportage models. Having a better idea how rate quotes are formulated helps drivers make informed decisions.

Kia Sportage Insurance Rates in Laredo, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $198 $338 $358 $22 $108 $1,024 $85
Sportage LX 2WD 4-Dr $198 $338 $358 $22 $108 $1,024 $85
Sportage EX 2WD 4-Dr $226 $412 $358 $22 $108 $1,126 $94
Sportage LX 4WD 4-Dr $226 $412 $358 $22 $108 $1,126 $94
Sportage LX $226 $412 $358 $22 $108 $1,126 $94
Sportage EX 4WD 4-Dr $226 $412 $358 $22 $108 $1,126 $94
Get Your Own Custom Quote Go

Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Price information does not factor in zip code location which can change coverage rates greatly.

Choosing deductibles

When buying car insurance, a common question is what deductibles to buy. The figures shown below can help show the differences in price between low and high deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second set of rates uses a $1,000 deductible.

Kia Sportage insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $286 $486 $382 $22 $114 $1,315 $110
Sportage LX 2WD 4-Dr $286 $486 $382 $22 $114 $1,315 $110
Sportage EX 2WD 4-Dr $328 $592 $382 $22 $114 $1,463 $122
Sportage LX 4WD 4-Dr $328 $592 $382 $22 $114 $1,463 $122
Sportage LX $328 $592 $382 $22 $114 $1,463 $122
Sportage EX 4WD 4-Dr $328 $592 $382 $22 $114 $1,463 $122
Get Your Own Custom Quote Go
Kia Sportage insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $158 $256 $382 $22 $114 $932 $78
Sportage LX 2WD 4-Dr $158 $256 $382 $22 $114 $932 $78
Sportage EX 2WD 4-Dr $182 $312 $382 $22 $114 $1,012 $84
Sportage LX 4WD 4-Dr $182 $312 $382 $22 $114 $1,012 $84
Sportage LX $182 $312 $382 $22 $114 $1,012 $84
Sportage EX 4WD 4-Dr $182 $312 $382 $22 $114 $1,012 $84
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Prices do not factor in specific Laredo garaging location which can influence coverage prices substantially.

We can estimate from the data above that using a $100 deductible costs an average of $36 more each month or $432 every year averaged for all Sportage models than opting for the higher $1,000 deductible. Because you would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 25 months between claims, you would probably come out ahead by selecting a higher deductible.

The chart below shows how choosing a deductible and can raise or lower Kia Sportage insurance costs for each age group. The premiums assume a single female driver, comp and collision included, and no policy discounts are applied.

Kia Sportage insurance rates: Men versus women

The information below shows the difference between Kia Sportage insurance prices for male and female drivers. The rate quotes are based on no claims, a clean driving record, comp and collision included, $1,000 deductibles, single status, and no discounts are taken into consideration.

Take policy discounts and save on Kia Sportage insurance in Laredo

Some companies don't always advertise every discount they offer very clearly, so we took the time to find both the well known in addition to some of the lesser obvious credits that may apply to you.Save money with discounts

  • Driver Safety - Taking part in a course that instructs on driving safety can save you 5% or more if your company offers it.
  • Mature Driver Discount - If you qualify as a senior citizen, you may qualify for a slight reduction on a Laredo auto insurance quote.
  • Driver's Education for Students - Teen drivers should take driver's ed class if offered at their school.
  • Anti-theft Discount - Vehicles that have factory anti-theft systems are less likely to be stolen and earn discounts up to 10% off your Laredo auto insurance quote.
  • Fewer Miles Equal More Savings - Fewer annual miles on your Kia could earn substantially lower prices.
  • Multiple Cars - Having all your vehicles on a single policy qualifies for this discount.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Some only apply to specific coverage prices like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, it's just not the way it works. But all discounts will help reduce the cost of coverage.

The example below shows the difference between Kia Sportage auto insurance rates with and without discounts applied to the premium. The premiums are based on a female driver, no claims or driving violations, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, marriage, safe-driver, homeowner, and multi-car discounts applied.

Companies and their offered discounts can be read below.

  • GEICO offers discounts including air bags, multi-vehicle, membership and employees, driver training, seat belt use, and defensive driver.
  • Mercury Insurance has savings for age of vehicle, annual mileage, type of vehicle, location of vehicle, good driver, and professional/association.
  • Farmers Insurance may have discounts that include alternative fuel, youthful driver, mature driver, switch companies, business and professional, homeowner, and pay in full.
  • Auto-Owners Insurance includes discounts for multi-policy, air bags, company car, paperless, mature driver, and anti-lock brakes.
  • Liberty Mutual discounts include good student, teen driver discount, newly married, newly retired, exclusive group savings, hybrid vehicle, and safety features.
  • SAFECO may offer discounts for safe driver, anti-theft, teen safe driver, accident prevention training, multi-car, and homeowner.
  • Progressive may include discounts for online quote discount, homeowner, good student, multi-policy, and multi-vehicle.
  • USAA offers discounts for new vehicle, defensive driver, loyalty savings, multi-vehicle, and safe driver.

If you need lower rates, check with each company or agent which discounts you qualify for. Some of the earlier mentioned discounts might not apply in your area. To see providers who offer cheap Kia Sportage insurance quotes in Laredo, click here.

Cheaper coverage is out there

Cheaper Kia Sportage insurance in Laredo is definitely available on the web and from local insurance agents, so get free Laredo auto insurance quotes from both of them to have the best selection. Some insurance companies may not have online rate quotes and usually these small insurance companies sell through local independent agents.

People leave their current company for a variety of reasons including high prices, unfair underwriting practices, an unsatisfactory settlement offer or lack of trust in their agent. Whatever your reason, finding the right auto insurance provider is not as hard as you think.

When getting Laredo auto insurance quotes online, never reduce coverage to reduce premium. There are many occasions where someone dropped uninsured motorist or liability limits and learned later that the few dollars in savings costed them thousands. Your focus should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

Steps to finding better rates for Kia Sportage insurance in Laredo

Truthfully, the best way to get more affordable car insurance rates in Laredo is to compare prices once a year from different companies who provide car insurance in Texas.

Step 1: Get an understanding of car insurance and the measures you can control to prevent expensive coverage. Many factors that are responsible for high rates such as careless driving and a less-than-favorable credit rating can be rectified by making minor driving habit or lifestyle changes.

Step 2: Compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like Progressive or Farmers Insurance, while independent agents can quote rates from many different companies.

Step 3: Compare the price quotes to your current policy premium to see if a cheaper rate is available in Laredo. If you can save some money and buy the policy, make sure coverage does not lapse between policies.

Step 4: Give notification to your agent or company to cancel your current auto insurance policy. Submit a completed policy application and payment to your new carrier. Once the application is submitted, put the new proof of insurance paperwork in your vehicle's glove compartment or console.

The critical component of shopping around is to compare similar limits and deductibles on every price quote and and to get price quotes from every insurance company. Doing this provides an apples-to-apples comparison and a complete price analysis.

More detailed auto insurance information can be found at these sites: