To save the most money, the best way to find cheaper prices for Kia Sportage insurance is to compare prices regularly from providers in Scottsdale.
- It will benefit you to learn about how insurance companies determine prices and the steps you can take to keep rates in check. Many things that increase rates like your driving record and an imperfect credit history can be eliminated by being financially responsible and driving safely. This article gives additional ideas to help find cheaper rates and find discounts that you may qualify for.
- Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from a single company like GEICO or State Farm, while agents who are independent can provide rate quotes for many different companies. Start a quote
- Compare the quotes to the premium of your current policy to see if switching to a new carrier will save money. If you can save some money and change companies, ensure there is no coverage lapse between policies.
The most important part of shopping around is to make sure you enter identical deductibles and limits on every quote request and and to get rate quotes from as many carriers as you can. This ensures an accurate price comparison and a complete selection of prices.
It’s easy to assume that auto insurance companies don’t want policyholders to shop around. People who shop around for the cheapest price are inclined to switch insurance companies because there are good odds of finding a policy with better rates. A study discovered that consumers who shopped around annually saved as much as $3,500 over four years compared to other drivers who never shopped around.
If finding the best rates on insurance is your intention, then having an understanding of how to find and compare coverages can save time, money, and frustration.
If you have a current auto insurance policy, you stand a good chance to be able to cut your premiums using the concepts you’re about to learn. This article’s intent is to introduce you to how to compare rates easily and also pocket some savings Nevertheless, Arizona vehicle owners must learn the methods companies use to determine prices because rates fluctuate considerably.
These eight discounts can lower your car insurance rates
Not too many consumers would say car insurance is affordable, but there are discounts available to help bring down the price. A few discounts will be applied at the time of purchase, but a few must be asked for before you get the savings.
- Club Memberships – Belonging to a professional or civic organization is a simple method to lower premiums when getting a Scottsdale auto insurance quote.
- Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use their safety belts can save 10% or more off PIP or medical payments premium.
- Senior Citizen Rates – If you qualify as a senior citizen, you may qualify for better car insurance rates.
- Military Rewards – Having a family member in the military could qualify you for better premium rates.
- Distant Student Discount – Any of your kids who are attending college and won’t have access to an insured vehicle can be insured at a reduced rate.
- Home Ownership Discount – Owning your own home or condo may trigger a policy discount on car insurance due to the fact that maintaining a home means you have a higher level of financial diligence.
- Theft Prevention System – Anti-theft and alarm system equipped vehicles are stolen with less frequency and can earn a small discount on your policy.
- Low Mileage – Keeping the miles down on your Kia could qualify for cheaper rates.
As a sidenote, some credits don’t apply to the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. If you do the math and it seems like you would end up receiving a 100% discount, you won’t be that lucky.
The illustration below illustrates the difference between Kia Sportage annual premium costs with and without some available policy discounts. The data is based on a female driver, no accidents or driving violations, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, multi-car, marriage, and multi-policy discounts applied.
A list of car insurance companies and the discounts they provide include:
- State Farm has discounts for multiple autos, good driver, safe vehicle, good student, Drive Safe & Save, multiple policy, and anti-theft.
- Nationwide policyholders can earn discounts including multi-policy, easy pay, good student, defensive driving, family plan, and anti-theft.
- GEICO offers premium reductions for good student, membership and employees, multi-vehicle, multi-policy, and federal employee.
- AAA offers discounts for pay-in-full, AAA membership discount, education and occupation, good student, and multi-car.
- 21st Century may have discounts that include theft prevention, homeowners, 55 and older, driver training, and air bags.
- The Hartford discounts include good student, vehicle fuel type, anti-theft, bundle, and defensive driver.
It’s a good idea to ask all companies you are considering to give you their best rates. Savings may not apply to policyholders in Scottsdale.
When looking for affordable Scottsdale auto insurance quotes, there are a couple ways to compare rate quotes from companies that offer car insurance in Arizona. The recommended way to find cheaper Kia Sportage rates is simply to get online rate quotes.
Just remember that quoting more provides better odds of finding better pricing. Some insurance companies are not set up to provide online Scottsdale Sportage insurance quotes, so it’s important to compare price estimates from those companies as well.
The companies shown below can provide free rate quotes in Arizona. If you want cheap car insurance in Scottsdale, we suggest you visit two to three different companies in order to get a fair rate comparison.
Coverage analysis
The data table shown next outlines estimates of rate quotes for Kia Sportage models. Having a better understanding of how policy rates are formulated can be useful when making informed decisions.
| 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, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Information does not factor in the specific area where the vehicle is garaged which can influence premium rates noticeably.
Policy deductible comparison
When shopping for insurance, a common question is how high should the physical damage deductibles be. The figures shown below may help you to understand the rate fluctuation when you buy lower versus higher insurance deductibles. The first rate estimation uses a $250 physical damage deductible and the second set of rates 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 | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in zip code location which can change coverage rates substantially.
We can derive from the above data that using a $250 deductible costs about $11 more each month or $132 each year than quoting the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you go at least 23 months between claim filings, you would save money if you choose the higher deductible.
The illustration below highlights how deductible choice and can increase or decrease Kia Sportage insurance costs for different age groups. The information is based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Insurance rates are higher with tickets and accidents
The example below highlights how speeding tickets and accident claims can drive up Kia Sportage yearly insurance costs for each different age category. The prices are based on a single male driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
Local Scottsdale insurance agents
A lot of people prefer to sit down and talk to an agent and that can be a great decision One of the best bonuses of getting online price quotes is the fact that you can find cheap rate quotes but also keep your business local.
To find an agent, once you fill out this quick form, your information is emailed to local insurance agents who will return price quotes for your business. There is no need to leave your house since rate quotes are delivered straight to your inbox. You can find lower rates without having to waste a lot of time. If you wish to get a rate quote for a specific company, don’t hesitate to navigate to their website and fill out their quote form.
Finding a good insurer requires you to look at more than just a cheap price quote. A good agent in Scottsdale will have answers to these questions.
- Does the agency support the community they serve?
- Do they regularly work with personal auto policies in Scottsdale?
- Do they reduce claim amounts on high mileage vehicles?
- Do the agents have professional certifications like CPCU or CIC?
- If your car is totaled, how to they determine the replacement cost?
- Will your rates increase after a single accident?
- How experienced are they in personal risk management?
Listed below is a short list of auto insurance companies in Scottsdale that may be able to provide rate quotes for Kia Sportage insurance in Scottsdale.
- Hartford Insurance Agent
17470 N Pacesetter Way – Scottsdale, AZ 85255 – (480) 657-2800 – View Map - Arizona Western Insurance Services
13951 N Scottsdale Rd # 234 – Scottsdale, AZ 85254 – (480) 483-3311 – View Map - Arizona Insurance Services
7950 E Acoma Dr # 205 – Scottsdale, AZ 85260 – (480) 778-9700 – View Map - State Farm: Randy Mueller
10575 N 114th St – Scottsdale, AZ 85259 – (480) 391-9390 – View Map
Which auto insurance company is best in Scottsdale?
Selecting a good quality insurance provider can be difficult considering how many choices there are in Scottsdale. The ranking data listed below could help you analyze which car insurance providers you want to consider to insure your vehicles.
Top 10 Scottsdale Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Top 10 Scottsdale Car Insurance Companies Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
Car insurance coverages and their meanings
Having a good grasp of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.
Comprehensive insurance
Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like fire damage, a broken windshield and rock chips in glass. The maximum payout your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Kia Sportage.
Due to the fact that many Arizona drivers only purchase the least amount of liability that is required (which is 15/30/10), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP pay for expenses for things like prosthetic devices, chiropractic care and hospital visits. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible
Auto collision coverage
This coverage covers damage to your Sportage resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like crashing into a building, hitting a parking meter, rolling your car, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible on your Sportage to save money on collision insurance.
Liability insurance
Liability insurance provides protection from damage that occurs to people or other property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 15/30/10 that means you have $15,000 in coverage for each person’s injuries, a per accident bodily injury limit of $30,000, and a total limit of $10,000 for damage to vehicles and property.
Liability coverage protects against claims like medical expenses, legal defense fees and funeral expenses. How much liability should you purchase? That is your choice, but buy as much as you can afford. Arizona state law requires minimum liability limits of 15/30/10 but you should think about purchasing more liability than the minimum.
The chart below shows why buying the state minimum limits may not be adequate coverage.
Cheaper coverage is out there
When getting Scottsdale auto insurance quotes online, do not sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find at the best cost, but do not skimp to save money.
We just showed you a lot of information how to compare Kia Sportage insurance rates in Scottsdale. The key thing to remember is the more you quote Scottsdale auto insurance, the more likely it is that you will get a better rate. Consumers may even find the lowest priced auto insurance comes from the smaller companies.
There are still a few companies who don’t offer price quotes online and many times these smaller providers provide coverage only through independent agents. Budget-friendly auto insurance in Scottsdale is possible both online in addition to many Scottsdale insurance agents, and you need to comparison shop both to have the best rate selection.
Additional auto insurance information can be found on the following sites:
- Distracted Driving Extends Beyond Texting (State Farm)
- Who Has Cheap Car Insurance Rates for 18 Year Olds in Scottsdale? (FAQ)
- What Car Insurance is Cheapest for a Toyota Camry in Scottsdale? (FAQ)
- Who Has the Cheapest Scottsdale Auto Insurance Rates for a GMC Sierra? (FAQ)
- What Auto Insurance is Cheapest for First-time Drivers in Scottsdale? (FAQ)
- What Auto Insurance is Cheapest for High Risk Drivers in Scottsdale? (FAQ)
- What Auto Insurance is Cheapest for a Ford Fusion in Scottsdale? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers with Bad Credit in Scottsdale? (FAQ)
- Cellphones, Texting and Driving (iihs.org)
- Choosing an Insurance Company (Insurance Information Institute)