It’s a known fact that insurance companies don’t want you quoting rates from other companies. Insureds who shop around for cheaper price quotes will presumably switch car insurance companies because there is a high probability of finding a policy with better rates. A recent survey found that consumers who regularly shopped around saved on average $3,500 over four years compared to people who didn’t regularly shop around.
If finding the cheapest price for auto insurance in Mesa is your ultimate target, then having a grasp of how to get free comparison quotes and analyze insurance rates can save time and make the process easier.
The easiest way to quote cheaper Kia Sportage insurance in Mesa is to make a habit of regularly comparing prices from insurers in Arizona.
Step 1: It will benefit you to learn about what coverages are included in your policy and the steps you can take to lower rates. Many rating criteria that drive up the price such as traffic violations, accidents, and a less-than-favorable credit history can be eliminated by making minor changes to your lifestyle.
Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from one company like Progressive and State Farm, while agents who are independent can provide prices for a wide range of insurance providers.
Step 3: Compare the price quotes to your current policy premium to determine if switching companies saves money. If you find a better price, make sure there is no lapse in coverage.
A good tip to remember is that you use the same level of coverage on every price quote and and to get price quotes from as many carriers as you can. Doing this ensures the most accurate price comparison and a complete selection of prices.
Premium rates and analysis
The price information displayed next highlights estimates of insurance costs for Kia Sportage models. Learning more about how policy premiums are established can be of help when making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $150 | $238 | $308 | $18 | $92 | $806 | $67 |
| Sportage LX 2WD 4-Dr | $150 | $238 | $308 | $18 | $92 | $806 | $67 |
| Sportage EX 2WD 4-Dr | $172 | $290 | $308 | $18 | $92 | $880 | $73 |
| Sportage LX 4WD 4-Dr | $172 | $290 | $308 | $18 | $92 | $880 | $73 |
| Sportage LX | $172 | $290 | $308 | $18 | $92 | $880 | $73 |
| Sportage EX 4WD 4-Dr | $172 | $290 | $308 | $18 | $92 | $880 | $73 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Information does not factor in Mesa location which can impact price quotes significantly.
Physical damage deductible comparison
One frequently asked question is how high should the physical damage deductibles be. The data tables below illustrate the rate differences between high and low comp and collision deductibles. The first rate comparisons uses a $250 comprehensive and collision deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $202 | $320 | $300 | $18 | $90 | $955 | $80 |
| Sportage LX 2WD 4-Dr | $202 | $320 | $300 | $18 | $90 | $955 | $80 |
| Sportage EX 2WD 4-Dr | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Sportage LX 4WD 4-Dr | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Sportage LX | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Sportage EX 4WD 4-Dr | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $164 | $258 | $300 | $18 | $90 | $830 | $69 |
| Sportage LX 2WD 4-Dr | $164 | $258 | $300 | $18 | $90 | $830 | $69 |
| Sportage EX 2WD 4-Dr | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Sportage LX 4WD 4-Dr | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Sportage LX | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Sportage EX 4WD 4-Dr | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Table data does not factor in garaging location in Mesa which can influence coverage rates noticeably.
Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you about $11 more each month or $132 every year than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally average at least 23 months between claims, you would most likely save money by going with a higher deductible. The numbers below show the way you can come to your own conclusion.
| Average monthly premium for $250 deductibles: | $85 |
| Average monthly premium for $500 deductibles (subtract): | – $74 |
| Monthly savings from raising deductible: | $11 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $11 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
One thing to be aware of is that higher deductibles means you will have to cover more of the damage yourself when you have a claim. That will require enough extra savings in order to pay more for the deductible.
Car insurance premiums by gender
The diagram below illustrates the comparison of Kia Sportage insurance rates for male and female drivers. The price estimates are based on no claims or driving citations, comprehensive and collision coverage, $250 deductibles, marital status is single, and no other discounts are factored in.
Full coverage rates compared to liability-only
The information below visualizes the comparison of Kia Sportage insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on no violations or accidents, $1,000 deductibles, single status, and no discounts are applied.
Deciding between full coverage and liability only
There isn’t a written rule of when to stop paying for comp and collision coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.
For example, let’s say your Kia Sportage book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $5,000 after you pay the deductible. If it’s costing in excess of $500 annually for full coverage, then it may be the right time to buy liability only.
There are some situations where removing full coverage is not recommended. If you still have a lienholder on your title, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.
Insurance rates and discounts
The price of auto insurance can be rather high, but you may be missing some discounts to reduce the price significantly. Some discounts will apply at the time you complete a quote, but a few must be asked about prior to receiving the credit.
- Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20 to 30 percent.
- Life Insurance – Larger insurance carriers have a break if you buy some life insurance in addition to your auto policy.
- Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
- Multiple Cars – Buying a policy with multiple cars with the same insurance company may reduce the rate for each vehicle.
- Seat Belts Save – Forcing all vehicle occupants to use a seat belt can save a little on the premium charged for medical payments and/or PIP.
- Telematics Discount – Drivers that enable their insurance company to study where and when they drive by using a telematics device in their vehicle like Allstate’s Drivewise might get better premium rates as long as they are good drivers.
- Early Switch Discount – Some companies provide a discount for buying a new policy before your current Sportage insurance policy expires. This can save 10% or more.
Discounts save money, but please remember that most credits do not apply to your bottom line cost. Most only apply to specific coverage prices like liability, collision or medical payments. Despite the appearance that you could get a free insurance policy, it’s just not the way it works.
The information below illustrates the difference between Kia Sportage car insurance costs with and without discounts applied. The prices are based on a female driver, no claims or violations, Arizona state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-car, multi-policy, marriage, and claim-free discounts applied.
To see a list of insurers that offer multiple discounts in Mesa, click this link.
Auto insurance coverage basics
Learning about specific coverages of your auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. These are the usual coverages offered by auto insurance companies.
Auto collision coverage
This covers damage to your Sportage resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for things like backing into a parked car, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible on your Sportage in order to get cheaper collision rates.
Liability car insurance
Liability coverage can cover injuries or damage you cause to people or other property in an accident. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 15/30/10 that translate to a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and a limit of $10,000 paid for damaged property.
Liability insurance covers things like court costs, pain and suffering and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible. Arizona state minimum liability requirements are 15/30/10 but it’s recommended drivers buy more liability than the minimum.
The next chart demonstrates why buying low liability limits may not provide adequate coverage.
Comprehensive auto coverage
This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as hail damage, a broken windshield, falling objects, a tree branch falling on your vehicle and vandalism. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law (Arizona limits are 15/30/10), their limits can quickly be used up. So UM/UIM coverage should not be overlooked.
Medical payments and PIP coverage
Med pay and PIP coverage reimburse you for short-term medical expenses for pain medications, rehabilitation expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage
Do the work, save more money
Some insurance companies do not offer online rate quotes and usually these small insurance companies sell through independent agencies. The cheapest Kia Sportage insurance in Mesa can be purchased from both online companies and also from your neighborhood Mesa agents, and you should compare rates from both in order to have the best chance of saving money.
As you go through the steps to switch your coverage, don’t be tempted to buy poor coverage just to save money. In many instances, consumers will sacrifice full coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy the best coverage you can find at the best cost.
In this article, we covered many ideas to reduce Kia Sportage insurance auto insurance rates online in Mesa. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding affordable Kia Sportage insurance quotes. Consumers could even find that the lowest auto insurance rates come from a small mutual company. These smaller insurers may have significantly lower premium rates on certain market segments compared to the large companies like Allstate or State Farm.
For more information, link through to the resources below:
- Crash Avoidance Technologies FAQ (iihs.org)
- Who Has Cheap Auto Insurance for a 20 Year Old Male in Mesa? (FAQ)
- Who Has Affordable Mesa Car Insurance Quotes for Good Drivers? (FAQ)
- Who Has Affordable Car Insurance for Drivers with Bad Credit in Mesa? (FAQ)
- Who Has Affordable Car Insurance Quotes for Postal Workers in Mesa? (FAQ)
- What Auto Insurance is Cheapest for Uninsured Drivers in Mesa? (FAQ)
- Who Has the Cheapest Mesa Car Insurance for Drivers Under 21? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Drivers with Accidents in Mesa? (FAQ)
- Insuring a Leased Car (Insurance Information Institute)
- Distracted Driving Statistics (Insurance Information Institute)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)