Find Affordable Kia Sportage Insurance in Jacksonville

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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.

  • Be proud to be claim-free - Auto insurance companies in Florida give better rates to people who are not frequent claim filers. If you are the type of insured that files lots of claims you can expect higher rates. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.
  • Insurance rates in urban areas - Residing in less populated areas can save you money when insuring your vehicles. City drivers tend to have more traffic problems and longer commute times. Lower population corresponds to lower accident rates as well as less vandalism and auto theft.
  • Liability coverage claims can be big - The liability coverage on your policy will protect you when you are found to be at fault for damages from an accident. It will provide legal defense to defend your case. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.
  • Cheaper rates by bundling - Many insurance companies afford a discount to people that purchase more than one policy, otherwise known as a multi-policy discount. The discount can add up to ten or even fifteen percent. Even though this discount sounds good, it's still a good idea to get quotes from other companies to confirm you are receiving the best rates possible. Consumers may save more without the discount even if you have your coverage with different companies
  • Teen vs. older drivers - Inexperience drivers are known to get distracted easily in a vehicle and because of this, their car insurance rates are much higher. Older people have been proven to be more responsible, tend to cause fewer accidents, and receive fewer citations.

    The next chart is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.

  • Vehicles with better crash test results are cheaper to insure - Cars with high safety ratings are cheaper to insure. Safe vehicles have better occupant injury protection and better occupant protection means your insurance company pays less and cheaper rates on your policy.
  • Cheaper rates with high physical damage deductibles - Comprehensive and collision coverage deductibles define how much you are required to pay if a claim is determined to be covered. Coverage for physical damage, also called 'full coverage', insures against damage to your car. A few examples of covered claims are rear-ending another vehicle, damage from fire, and damage from wind. The more money you choose to pay out-of-pocket, the lower your rates will be.
  • Insurance loss statistics a Kia Sportage - Insurance companies use past insurance losses to help set a rate to offset losses. Models that statistically have higher frequency or amount of claims will cost more for coverage.

    The next table illustrates the actual insurance loss data for Kia Sportage vehicles. For each coverage category, the claim amount for all vehicles as a whole is a value of 100. Numbers below 100 suggest a better than average loss history, while percentage values above 100 indicate more frequent claims or larger claims.

    Insurance Loss Ratings for Kia Sportage Vehicles
    Vehicle Make and 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: Insurance Institute for Highway Safety for 2013-2015 Model Years

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
Get Your Own Custom Quote Go

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

  • Life Insurance Discount - Insurance companies who offer life insurance give a small discount if you purchase some life insurance in addition to your auto policy.
  • ABS and Traction Control Discounts - Cars, trucks, and SUVs with ABS and/or traction control are much safer to drive and the ABS can save up to 10%.
  • Auto/Home Discount - If you have multiple policies with the same insurance company you could get a discount of at least 10% off all policies.
  • Good Students Pay Less - A discount for being a good student can save 20 to 25%. This discount can apply until age 25.
  • Accident Forgiveness - Not really a discount, but some companies like Allstate and State Farm will forgive one accident without raising rates if you are claim-free prior to being involved in the accident.
  • Multi-Vehicle Discounts - Having more than one vehicle with one company can reduce rates for all insured vehicles.
  • Fewer Miles Equal More Savings - Maintaining low annual mileage could qualify for cheaper prices.
  • Federal Government Employee - Being employed by or retired from a federal job may reduce rates when you quote Jacksonville auto insurance with a few auto insurance companies.
  • Driver's Ed - Require your teen driver to take driver's ed class as it will make them better drivers and lower rates.
  • Onboard Data Collection - People who choose to allow driving data submission to analyze driving habits through the use of a telematics system like In-Drive from State Farm and Progressive's Snapshot could see a rate decrease if they show good driving skills.

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.

  • First, get a basic knowledge of how insurance works and the measures you can control to prevent expensive coverage. Many rating criteria that increase rates such as high-risk driving behaviors and a not-so-good credit rating can be remedied by making lifestyle changes or driving safer.
  • Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like Progressive and State Farm, while agents who are independent can quote prices from multiple insurance companies.
  • Third, compare the new rate quotes to the price on your current policy to see if cheaper Sportage coverage is available in Jacksonville. If you find a lower rate and buy the policy, ensure coverage does not lapse between policies.
  • Fourth, provide written notification to your current company to cancel your existing policy and submit payment and a completed application for your new policy. Immediately upon receiving it, place your new certificate verifying coverage in an easily accessible location in your vehicle.

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.

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