Cheap Kia Sportage Insurance in Colorado Springs

Discount Kia Sportage insuranceIt takes a little time, but the best way to find the cheapest price for Kia Sportage insurance in Colorado Springs is to start comparing prices yearly from insurance carriers who provide auto insurance in Colorado.

One thing to remember is to try to compare similar deductibles and liability limits on each price quote and and to get price quotes from as many different companies as possible. Doing this helps ensure a fair rate comparison and a complete price analysis.

A study showed that over 70% of drivers have remained with the same auto insurance company for at least the last four years, and nearly the majority have never shopped around. Many drivers in Colorado Springs can save hundreds of dollars each year just by getting comparison quotes, but they won’t spend time to compare rate quotes online.

Best companies for cheap Kia Sportage insurance in Colorado

The providers in the list below are ready to provide price comparisons in Colorado Springs, CO. In order to find cheap auto insurance in Colorado Springs, CO, it’s a good idea that you visit as many as you can in order to find the most competitive rates.

Rate information and statistics

The data table displayed below highlights estimates of insurance policy prices for Kia Sportage models. Having a better understanding of how insurance policy rates are determined can be of help when making smart policy decisions.

Kia Sportage Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $182 $312 $330 $20 $98 $942 $79
Sportage LX 2WD 4-Dr $182 $312 $330 $20 $98 $942 $79
Sportage EX 2WD 4-Dr $208 $380 $330 $20 $98 $1,036 $86
Sportage LX 4WD 4-Dr $208 $380 $330 $20 $98 $1,036 $86
Sportage LX $208 $380 $330 $20 $98 $1,036 $86
Sportage EX 4WD 4-Dr $208 $380 $330 $20 $98 $1,036 $86
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Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rates do not factor in specific garaging location which can impact insurance rates noticeably.

The example below illustrates how your deductible choice and can impact Kia Sportage annual premium costs for each age group. The premiums assume a married male driver, comprehensive and collision coverage, and no discounts are applied.

Full coverage versus liability only rates

The diagram below illustrates the difference between Kia Sportage insurance rates with and without physical damage coverage. The premium estimates are based on no tickets, no at-fault accidents, $100 deductibles, marital status is single, and no additional discounts are factored in.

When to stop buying physical damage coverage

There is no clear-cut rule for dropping full coverage, but there is a general guideline. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Kia Sportage settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $5,000 after paying your policy deductible. If it’s costing you more than $500 annually to have full coverage, then it could be time to drop full coverage.

There are a few situations where dropping full coverage is not advised. If you still owe a portion of the original loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Reduce Insurance Rates with These Tips

When buying insurance it’s important to understand some of the elements that help determine your insurance rates. If you understand what influences your rates, this empowers consumers to make smart changes that may result in big savings. Lots of things are taken into consideration when premium rates are determined. A few of the factors are predictable like an MVR report, but others are more obscure like your vehicle usage or how financially stable you are.

Listed below are some of the items used by companies to determine premiums.

Lower-cost Colorado Springs car insurance quotes with discounts

Car insurance is not cheap, but discounts can save money and there are some available to help offset the cost. Some discounts will apply at the time of quoting, but some must be manually applied before you get the savings.Discount car insurance

While discounts sound great, it’s important to understand that some credits don’t apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it appears you would end up receiving a 100% discount, it just doesn’t work that way.

The chart below compares Kia Sportage car insurance rates with and without discounts applied to the policy premium. The data assumes a male driver, no tickets, no at-fault accidents, Colorado state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, multi-car, safe-driver, homeowner, and marriage discounts applied.

To view insurance companies with the best Kia Sportage insurance discounts in Colorado Springs in Colorado, follow this link.

When should I get advice from an agent?

Some consumers still prefer to buy from a licensed agent and that is just fine! One of the best bonuses of getting online price quotes is that you can obtain cheap auto insurance rates and still choose a local agent.

Find insurance agent in Colorado SpringsTo make it easy to find an agent, after completing this short form, your coverage information gets sent to insurance agents in Colorado Springs that can give you free Colorado Springs car insurance quotes to get your business. You never need to find an agent since price quotes are sent immediately to your email address. You’ll get the best rates without the usual hassles of price shopping. If you need to get a price quote from a specific auto insurance provider, you just need to search and find their rate quote page and submit a quote form there.

Deciding on an provider shouldn’t rely on just a cheap price quote. These are valid questions to ask:

The difference between Colorado Springs car insurance agents

When searching for a reputable insurance agent or broker, you must know there are a couple different agency structures to choose from. Auto insurance agencies are categorized either independent or exclusive.

Exclusive Auto Insurance Agents

Exclusive agents can only provide one company’s prices like Allstate, Farmers Insurance or State Farm. They are unable to compare rates from other companies so they really need to provide good service. Exclusive insurance agents are trained well on what they offer which helps offset the inability to provide other markets.

Listed below are exclusive insurance agencies in Colorado Springs that can give you comparison quotes.

12229 Voyager Pkwy Ste 100Colorado Springs, CO 80921(719) 599-3600View Map

3649 Star Ranch RdColorado Springs, CO 80906(719) 540-9520View Map

6632 Delmonico DrColorado Springs, CO 80919(719) 268-0080View Map

View more Colorado Springs agents

Independent Auto Insurance Agents

Agents of this type do not sell for just one brand and that gives them the ability to insure through lots of different companies and possibly get better coverage at lower prices. If they find a lower price, they simply move your policy to a different company and you can keep the same agent. If you are comparing rate quotes, you definitely need to contact at least one independent agent so that you have a good selection of quotes to compare.

Listed below is a short list of independent agencies in Colorado Springs that are able to give price quote information.

1863 N Circle DrColorado Springs, CO 80909(719) 667-1301View Map

1880 Dublin Blvd # CColorado Springs, CO 80918(719) 528-1555View Map

2850 Serendipity Cir W #230Colorado Springs, CO 80917(719) 574-0082View Map

View more Colorado Springs agents

If you receive good feedback to your questions as well as an affordable premium quote, most likely you have located an insurance agency that meets the requirements to properly insure your vehicles.

One last note

Throughout this article, we presented many ideas to shop for Kia Sportage insurance online. The key thing to remember is the more quotes you get, the better your chances of lowering your premium rates. Consumers could even find that the lowest car insurance rates are with the least-expected company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as State Farm or Progressive.

As you quote Colorado Springs car insurance, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut comprehensive coverage or liability limits and learned later they didn’t purchase enough coverage. The aim is to buy the best coverage you can find at the best cost and still be able to protect your assets.

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