Find Affordable Kia Sportage Insurance in Jacksonville

Insurance for Kia SportageDo you get overwhelmed by the crazy number of auto insurance companies in Jacksonville? You have so many options that it can turn into a real hassle to compare auto insurance rates on Kia Sportage insurance. Everyone knows that Jacksonville is a great city to live in, but high auto insurance prices can make it nearly impossible for many drivers to buy full coverage.

How to save money on Kia Sportage insurance in Jacksonville

The easiest way to get low-cost Kia Sportage insurance is to compare quotes once a year from insurers in Jacksonville.

Step 1: It will benefit you to learn about what is in your policy and the measures you can take to lower rates. Many rating factors that increase rates like getting speeding tickets and an imperfect credit score can be controlled by making small lifestyle or driving habit changes.

Step 2: Request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like GEICO or Allstate, while agents who are independent can quote rates from multiple sources. Find a Jacksonville insurance agent

Step 3: Compare the quotes to your current policy premium and determine if there is any savings. If you can save money and switch companies, make sure coverage is continuous and does not lapse.

Step 4: Give notification to your current company to cancel your current car insurance policy. Submit payment and a completed application to the new company. Once the application is submitted, keep your new proof of insurance paperwork with your registration paperwork.

A key point to remember is to make sure you enter the same deductibles and limits on every quote and and to compare as many auto insurance providers as possible. This provides a level playing field and the best rate selection.

It’s safe to conclude that car insurance companies don’t want customers comparing rates. People who compare other prices are very likely to buy a new policy because there is a good probability of finding coverage at a more affordable price. Remarkably, a study showed that people who routinely compared rates saved about $72 a month compared to other drivers who never shopped around for cheaper prices.

If finding the best rates on Kia Sportage insurance in Jacksonville is your ultimate target, then having an understanding of the best way to quote and compare cheaper coverage can make the process more efficient.

You should take the time to compare rates yearly because prices go up and down regularly. Just because you had the best rates on Kia Sportage insurance in Jacksonville a few years ago you will most likely find a better premium rate today. There is lot of inaccurate information about Sportage insurance online, but by reading this article, you’re going to learn some excellent ideas to find affordable auto insurance in Jacksonville.

Smart Consumers Save on Insurance

One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that help determine your car insurance rates. If you understand what impacts premium levels, this helps enable you to make changes that could help you find big savings. Lots of things are used in the calculation when you get a price on insurance. Most are fairly basic such as your driving record, but some are more transparent such as whether you are married or your commute time.

The following are some of the most common factors utilized by car insurance companies to help set your rates.

Coverage analysis

The premium information shown next highlights estimates of prices for Kia Sportage models. Having a better understanding of how insurance policy rates are determined can assist in making decisions when choosing a new policy provider.


Kia Sportage Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $208 $332 $430 $26 $128 $1,124 $94
Sportage LX 2WD 4-Dr $208 $332 $430 $26 $128 $1,124 $94
Sportage EX 2WD 4-Dr $238 $402 $430 $26 $128 $1,224 $102
Sportage LX 4WD 4-Dr $238 $402 $430 $26 $128 $1,224 $102
Sportage LX $238 $402 $430 $26 $128 $1,224 $102
Sportage EX 4WD 4-Dr $238 $402 $430 $26 $128 $1,224 $102
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate information does not factor in vehicle garaging location which can influence auto insurance rates considerably.

Should you raise deductibles?

One of the hardest decisions when shopping for insurance is how low should you set your deductibles. The rates below may help to illustrate the rate fluctuation between high and low deductibles. The first set of prices uses a $100 deductible for comp and collision and the second set of rates uses a $500 deductible.


Kia Sportage insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $312 $532 $418 $24 $124 $1,435 $120
Sportage LX 2WD 4-Dr $312 $532 $418 $24 $124 $1,435 $120
Sportage EX 2WD 4-Dr $358 $648 $418 $24 $124 $1,597 $133
Sportage LX 4WD 4-Dr $358 $648 $418 $24 $124 $1,597 $133
Sportage LX $358 $648 $418 $24 $124 $1,597 $133
Sportage EX 4WD 4-Dr $358 $648 $418 $24 $124 $1,597 $133
Get Your Own Custom Quote Go

Kia Sportage insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $228 $360 $418 $24 $124 $1,154 $96
Sportage LX 2WD 4-Dr $228 $360 $418 $24 $124 $1,154 $96
Sportage EX 2WD 4-Dr $262 $438 $418 $24 $124 $1,266 $106
Sportage LX 4WD 4-Dr $262 $438 $418 $24 $124 $1,266 $106
Sportage LX $262 $438 $418 $24 $124 $1,266 $106
Sportage EX 4WD 4-Dr $262 $438 $418 $24 $124 $1,266 $106
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rate quotes do not factor in Jacksonville location which can raise or lower premiums greatly.

Using the premium rates above, we can conclude that using a $100 deductible costs approximately $26 more each month or $312 for a full year than buying the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you average at a minimum 15 months between claims, you would come out ahead if you choose the higher deductible.

Drive safe and save

The diagram below demonstrates how citations and fender-benders raise Kia Sportage car insurance costs for different categories of driver ages. The information is based on a single female driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

Yearly insurance costs for men versus women

The information below compares Kia Sportage car insurance costs for male and female drivers. The costs are based on no tickets, no at-fault accidents, full coverage, $250 deductibles, drivers are not married, and no discounts are applied.

Cheap Kia Sportage insurance in Jacksonville

Insurance can cost an arm and a leg, but there could be available discounts to reduce the price significantly. Many discounts should be triggered at the time of purchase, but lesser-known reductions have to be asked for in order for you to get them.Discount auto insurance

Please keep in mind that some credits don’t apply to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. So when the math indicates you can get free auto insurance, auto insurance companies aren’t that generous. But all discounts will cut your policy premiums.

The chart below shows the comparison of Kia Sportage insurance rates with and without discounts applied to the rates. The information is based on a male driver, no claims or driving citations, Florida 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, homeowner, multi-car, marriage, safe-driver, and multi-policy discounts applied.

Insurance companies that possibly offer some of the above discounts are:

Before purchasing a policy, check with every prospective company which discounts they offer. Some of the earlier mentioned discounts may not apply to policyholders in Jacksonville. To locate insurers with the best Kia Sportage insurance discounts in Jacksonville, click this link.

Cheap auto insurance premiums are out there

You just learned some good ideas how to save on Kia Sportage insurance in Jacksonville. The most important thing to understand is the more you quote Jacksonville auto insurance, the better chance you’ll have of finding affordable Jacksonville auto insurance quotes. Consumers could even find that the best prices are with a small mutual company. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on coverage in order to save money. There have been many situations where someone dropped comprehensive coverage or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your goal is to find the BEST coverage at the best cost.

How to find discount Kia Sportage insurance in Jacksonville

It takes a few minutes, but the best way to find cheaper auto insurance rates in Jacksonville is to do an annual price comparison from providers who sell insurance in Florida. Rate comparisons can be done by following these guidelines.

An important note is to compare identical deductibles and limits on each quote request and and to compare every insurance company. This helps ensure a fair rate comparison and the best price selection.

Additional detailed information can be read in the articles below: