Are you looking for a better way to compare more affordable Kia Sportage insurance in Austin? Feel like you’re a prisoner to an expensive insurance policy? You’re in good company because there are lots of people in the same boat.
Inconceivable but true, nearly 70% of consumers kept buying from the same company for at least four years, and nearly the majority have never taken the time to shop around. The average driver in Texas could pocket up to $1,770 a year by just comparing rate quotes, but they just don’t understand how much savings they would realize if they moved their coverage to a different company. People have so many car insurance companies to pick from, and although it’s nice to have a selection, having more insurance companies makes it harder to locate the cheapest rates for Kia Sportage insurance in Austin.
It is always a good idea to compare rates quite often because insurance prices change regularly. Even if you think you had the lowest price on Kia Sportage insurance in Austin on your last policy you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about Sportage insurance on the web, but you can learn some of the best techniques to save money.
This information will instruct you on the best way to buy inexpensive car insurance and also pocket some savings If you are insured now, you should be able to reduce the price you pay using the techniques presented in this article. Vehicle owners just need to understand the most efficient way to compare rate quotes instantly.
Finding a better price on car insurance can be surprisingly simple. The only requirement is to spend a little time comparing rate quotes online with multiple companies.
It’s so easy to compare rates online that it makes it obsolete to spend your day driving to and from local Austin insurance agencies. The fact that you can get quotes online eliminates the need for an insurance agent unless you’re the type of person who wants the professional abilities that you can only get from talking to an agent. You can, however, get the lowest quotes online but purchase the actual policy in an agency.
The companies shown below are ready to provide price comparisons in Austin, TX. If multiple companies are listed, it’s a good idea that you click on several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $162 | $280 | $366 | $22 | $110 | $940 | $78 |
| Sportage LX 2WD 4-Dr | $280 | $560 | $462 | $28 | $138 | $1,468 | $122 |
| Sportage EX 2WD 4-Dr | $272 | $400 | $500 | $30 | $150 | $1,352 | $113 |
| Sportage LX 4WD 4-Dr | $254 | $486 | $400 | $24 | $120 | $1,284 | $107 |
| Sportage LX | $254 | $486 | $430 | $26 | $128 | $1,324 | $110 |
| Sportage EX 4WD 4-Dr | $254 | $512 | $430 | $26 | $128 | $1,350 | $113 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Estimates do not factor in specific location which can raise or lower prices considerably.
Bad driving habits will cost you more
The example below illustrates how traffic citations and accident claims impact Kia Sportage insurance prices for different age groups. The prices are based on a married female driver, full coverage, $250 deductibles, and no other discounts are factored in.
Does full coverage make sense?
The chart below illustrates the difference between Kia Sportage premium costs with liability coverage only compared to full coverage. The price estimates are based on no accidents or driving violations, $250 deductibles, married female driver, and no discounts are applied to the premium.
When to drop full coverage
There is no exact formula to delete physical damage coverage, but there is a general guideline you can use. If the annual cost of having full coverage is about 10% or more 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 $3,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $2,000 after paying the physical damage deductible. If premiums are more than $200 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are some circumstances where buying only liability insurance is not advised. If you still have a lienholder on your title, you have to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.
Can higher deductibles save money?
A question often asked by Austin drivers is which comprehensive and collision deductibles to buy. The tables below determine the premium difference when you choose different policy deductibles. The first rate quote example uses a $250 physical damage deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $256 | $408 | $382 | $22 | $114 | $1,207 | $101 |
| Sportage LX 2WD 4-Dr | $256 | $408 | $382 | $22 | $114 | $1,207 | $101 |
| Sportage EX 2WD 4-Dr | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Sportage LX 4WD 4-Dr | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Sportage LX | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Sportage EX 4WD 4-Dr | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $208 | $328 | $382 | $22 | $114 | $1,054 | $88 |
| Sportage LX 2WD 4-Dr | $208 | $328 | $382 | $22 | $114 | $1,054 | $88 |
| Sportage EX 2WD 4-Dr | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Sportage LX 4WD 4-Dr | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Sportage LX | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Sportage EX 4WD 4-Dr | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate information does not factor in specific location which can raise or lower auto insurance rates considerably.
Based on the data above, we can derive that using a $250 deductible could cost the average driver approximately $14 more each month or $168 each year than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you have at a minimum 18 months between claims, you would probably be better off if you choose a higher deductible.
Auto insurance in Texas serves several purposes
Even though Austin Sportage insurance rates can get expensive, insuring your vehicle is not optional due to several reasons.
- Almost all states have compulsory liability insurance requirements which means you are required to carry specific limits of liability insurance coverage if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your Sportage, almost every bank will make it a condition of the loan that you have physical damage coverage to protect their interest in the vehicle. If you default on your policy, the lender will be forced to insure your Kia at a significantly higher premium and require you to fork over for it.
- Auto insurance protects not only your car but also your assets. It will also pay for medical bills incurred in an accident. Liability coverage will also pay for a defense attorney if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.
The benefits of buying auto insurance greatly outweigh the cost, specifically if you ever have a liability claim. Despite what companies tell you, the average driver overpays as much as $830 a year so it’s recommended you shop around once a year at a minimum to save money.
Insurance policy discounts you can’t miss
Some insurance providers don’t always list every policy discount very well, so the below list has both the well known and also the more inconspicuous credits available to lower your premiums when you buy Austin auto insurance online.
- Memberships – Affiliation with a civic or occupational organization in Austin could trigger savings on insurance.
- Military Rewards – Being deployed with a military unit can result in better premium rates.
- Discounts for Responsible Drivers – Insureds who avoid accidents can save up to 40% or more on their Austin auto insurance quote compared to accident prone drivers.
- E-sign – A few insurance companies will give a small break simply for signing on the internet.
- Good Student – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
- College Student Discount – College-age children who are enrolled in a college that is more than 100 miles from Austin and do not have access to a covered vehicle can receive lower rates.
As a sidenote, some credits don’t apply to the entire cost. Most only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like you could get a free insurance policy, it’s just not the way it works.
Insurance companies who might offer many of the previously listed discounts possibly include:
Before purchasing a policy, check with each insurance company which credits you are entitled to. Some credits may not apply to policyholders in Austin. If you would like to see a list of insurers that can offer you the previously mentioned discounts in Austin, click this link.
When to have guidance from a local insurance agent
A lot of people prefer to sit down and talk to an agent and that is not a bad decision Professional agents can point out coverage gaps and help you file claims. The best thing about comparing rates online is that you can find the best rates but also keep your business local. Buying insurance from local insurance agents is important especially in Austin.
To make it easy to find an agent, after completing this quick form, your insurance data is sent to insurance agents in Austin who will gladly provide quotes for your business. It simplifies rate comparisons since you won’t have to search for any insurance agencies since price quotes are sent instantly to you. If you wish to compare rates from a specific auto insurance provider, you would need to visit that company’s website to submit a rate quote request.
Shown below are agents in Austin that are able to give price quote information for Kia Sportage insurance in Austin.
Lezam Insurance
4301 W. William Cannon Dr., Ste. B-120 – Austin, TX 78749 – (512) 263-4333 – View Map
Allstate Insurance: Fleming and Conway Agency
3435 Greystone Dr Ste 107 – Austin, TX 78731 – (512) 345-0005 – View Map
State Farm: Charlie Anderson
12710 Research Blvd #210 – Austin, TX 78759 – (512) 258-2231 – View Map
Bob Jennings – State Farm Insurance Agent
4405 Pack Saddle Pass – Austin, TX 78745 – (512) 444-9671 – View Map
Selecting an insurance company should depend on more than just the price. Get answers to these questions too.
- How long have they been in business?
- If your car is in the repair shop, do you have coverage for a rental car?
- Are they primarily personal or commercial lines agents in Austin?
- What are their preferred companies if they are an independent agency?
- Is there a 24/7 contact number?
- What discounts might you be missing?
- If your car is totalled, how to they determine the replacement cost?
Information about specific coverages
Understanding the coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types offered by auto insurance companies.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for pain medications, dental work, EMT expenses, rehabilitation expenses and ambulance fees. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage
Collision protection
Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for things like driving through your garage door, backing into a parked car, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible on your Sportage to bring the cost down.
Liability coverages
This coverage protects you from injuries or damage you cause to other’s property or people in an accident. It protects you against claims from other people. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 30/60/25 which means $30,000 bodily injury coverage, $60,000 for the entire accident, and $25,000 of coverage for damaged property. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability can pay for things like court costs, pain and suffering, emergency aid, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford. Texas requires drivers to carry at least 30/60/25 but it’s recommended drivers buy more coverage.
UM/UIM Coverage
This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your Kia Sportage.
Since many Texas drivers only carry the minimum required liability limits (30/60/25), their limits can quickly be used up. So UM/UIM coverage is very important. Frequently these coverages do not exceed the liability coverage limits.
Comprehensive or Other Than Collision
Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against things like damage from getting keyed, falling objects, damage from flooding, fire damage and vandalism. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Compare but don’t skimp
We just presented some good ideas how to shop for Kia Sportage insurance online. The key thing to remember is the more providers you compare, the better your comparison will be. Drivers may even discover the best price on insurance is with an unexpected company. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or GEICO.
While you’re price shopping online, make sure you don’t buy poor coverage just to save money. There are a lot of situations where someone dropped liability limits or collision coverage only to regret they didn’t have enough coverage. Your goal should be to buy the best coverage you can find for the lowest cost.
Some insurance companies do not provide price quotes online and most of the time these small, regional companies provide coverage only through local independent agencies. Budget-conscious Kia Sportage insurance is attainable both online and from local agencies, and you should compare rates from both to have the best rate selection.
Additional insurance information is located at these links:
- Safety Belts FAQ (iihs.org)
- Who Has the Cheapest Car Insurance for Handicapped Drivers in Austin? (FAQ)
- How Much are Austin Car Insurance Quotes for a Toyota Camry? (FAQ)
- What Car Insurance is Cheapest for Drivers Under 21 in Austin? (FAQ)
- Event Data Recorders FAQ (iihs.org)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)