Kia Sportage insurance policy image courtesy of QuoteInspector.com
How long have you put off shopping around for more competitive Kia Sportage insurance in San Diego? No normal person likes having to buy car insurance, especially when they know they are paying too much.
Shocking but true, nearly 70% of consumers renewed their policy with the same company for more than four years, and almost half have never taken the time to shop around. With the average premium in California being $1,390, drivers could save nearly $470 every year by just comparing rate quotes, but they just feel it's too hard to compare rates online. Many insurers compete for your insurance dollar, so it can be very hard to choose a provider to discover the definitive lowest rate possible on Kia Sportage insurance in San Diego.
Consumers should take time to compare prices yearly because insurance prices fluctuate regularly. Just because you had the best price on Kia Sportage insurance in San Diego two years ago you can probably find a lower rate today. You can search a lot of Sportage insurance online but in just a couple of minutes you can learn some solid techniques on how to quit paying high car insurance rates in San Diego.
Best Kia Sportage insurance rate quotes in California
The car insurance companies shown below can provide price quotes in San Diego, CA. If multiple providers are shown, we recommend you visit several of them in order to find the lowest rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $276 | $382 | $578 | $34 | $174 | $1,444 | $120 |
| Sportage LX 2WD 4-Dr | $288 | $464 | $450 | $26 | $134 | $1,362 | $114 |
| Sportage EX 2WD 4-Dr | $216 | $394 | $424 | $26 | $126 | $1,186 | $99 |
| Sportage LX 4WD 4-Dr | $202 | $408 | $574 | $34 | $172 | $1,390 | $116 |
| Sportage LX | $266 | $524 | $574 | $34 | $172 | $1,570 | $131 |
| Sportage EX 4WD 4-Dr | $390 | $576 | $578 | $34 | $174 | $1,752 | $146 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rate quotes do not factor in vehicle garaging location which can alter prices substantially.
Impact of citations and accidents on San Diego insurance rates
The illustration below demonstrates how traffic citations and accidents can raise Kia Sportage insurance premiums for different age categories. The rates are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
Save money on Kia Sportage insurance in San Diego with these car insurance discounts
Some providers don't list every discount they offer in an easy-to-find place, so below is a list a few of the more common in addition to some of the lesser obvious credits available to bring down your rates.
- San Diego Homeowners Discount - Just being a homeowner may trigger a policy discount on car insurance because owning a home is proof that your finances are in order.
- Discount for Life Insurance - Not every insurance company offers life insurance, but if they do you may earn a lower premium rate if you buy a life policy as well.
- ABS Brakes - Cars, trucks, and SUVs that have steering control and anti-lock brakes can reduce accidents so you can save 10 percent or more.
- Employee of Federal Government - Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
- Low Mileage Discounts - Keeping the miles down on your Kia can earn better car insurance rates on cars that stay parked.
Discounts lower rates, but most discounts do not apply to the overall cost of the policy. Most only reduce individual premiums such as liability, collision or medical payments. If you do the math and it seems like it's possible to get free car insurance, you won't be that lucky. Any amount of discount will positively reduce your car insurance premiums.
A few companies that may offer quotes with most of these discounts include:
If you need cheaper San Diego car insurance quotes, ask each company or agent how many discounts you can get. Depending on the company, some discounts may not apply in every state. To view insurance companies with the best Kia Sportage insurance discounts in California, click here.
How Your Sportage Insurance Rates are Determined
Lots of factors are used in the calculation when pricing auto insurance. Some factors are common sense like a motor vehicle report, but other factors are more obscure like where you live and annual miles driven. It's important that you understand the factors that aid in calculating the price you pay for car insurance. If you have some idea of what controls the rates you pay, this enables you to make decisions that could result in cheaper rates.
How credit rating affects car insurance prices - Having a bad credit score can be a huge factor in your rate calculation. Drivers who have excellent credit scores tend to be more responsible and file fewer claims than drivers with bad credit. If your credit score is not that good, you could potentially save money when insuring your Kia Sportage by improving your rating.
Pay more out-of-pocket - Physical damage coverage, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Some examples of claims that would be covered would be a broken side mirror, damage from fire, and damage from a fallen tree branch. The deductibles define the amount you are willing to pay before a claim is paid by your company. The more expense you choose to pay out-of-pocket, the lower your rates will be.
City traffic equals higher premiums - Having an address in less populated areas of the country has it's advantages if you are looking for the lowest rates. Residents of big cities have traffic congestion and longer commute times. Fewer drivers and short commutes means reduced accidents and lower theft and vandalism rates.
Certain occupations pay higher rates - Did you know that where you work can have an impact on rates? Careers like doctors, executives and financial analysts are shown to have higher average rates due to job stress and incredibly demanding work hours. Conversely, occupations like farmers, athletes and performers generally pay rates lower than average.
More performance means higher prices - The performance of the car or truck you own makes a huge difference in how high your rates are. Due to the fact that the Kia Sportage is considered a crossover, insurance will be slightly more when compared to the average rates in San Diego. Economy passenger vehicles generally receive the lowest base rates, but there are many factors that impact the final cost.
Poor driving means higher rates - Being a careful driver has a lot to do with how much you pay for insurance. Having just one citation can increase the cost of insurance to the point where it's not affordable. Careful drivers receive lower rates as compared to those with violations. Drivers with severe violations like DUI or reckless driving may be required to file a proof of financial responsibility form (SR-22) with their state in order to prevent a license revocation.
If you don't need it don't buy it - Policies have extra coverages that sound like a good idea at the time when buying car insurance. Coverages like rental car coverage, death and dismemberment, and motor club memberships may not be needed and are just wasting money. These coverages may sound good when deciding what coverages you need, but your needs may have changed so think about removing them and cutting costs.
Your spouse saves you money - Getting married may earn you lower rates when buying car insurance. Having a significant other means you're more responsible and it's proven that married couples file fewer claims.
Insurance losses for a Kia Sportage - Auto insurance companies analyze past claim statistics to calculate a price that offsets possible losses. Models that the data shows to have higher losses will have increased rates.
The data below shows the insurance loss data used by companies for Kia Sportage vehicles. For each coverage type, the statistical loss for all vehicles combined as an average is represented as 100. Numbers below 100 suggest losses that are better than average, while percentage values above 100 point to more losses or tendency to have larger claims.
Insurance Loss Ratings for Kia Sportage Vehicles
| Specific Kia 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 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Auto insurance quotes from local neighborhood San Diego car insurance agents
Some people would prefer to talk to a local agent and often times that is recommended Agents can help you build your policy and give you someone to call. A nice benefit of comparing rates online is you may find the lowest rates and also buy local. Buying insurance from local insurance agents is definitely important in San Diego.
For easy comparison, once you complete this form (opens in new window), your information is emailed to insurance agents in San Diego that give free quotes for your coverage. You won't need to contact any agents because prices are sent instantly to you. If for some reason you want to compare prices from a specific auto insurance provider, just navigate to their website and fill out their quote form.
Listed below are agents in San Diego who can help you get rate quotes for Kia Sportage insurance in San Diego.
Farmers Insurance - Aaron Farmer
7960 Silverton Ave #202 - San Diego, CA 92126 - (858) 689-0466 - View Map
David Thompson - State Farm Insurance Agent
7061 Clairemont Mesa Blvd Ste 217 - San Diego, CA 92111 - (858) 560-5400 - View Map
Leavitt Insurance Agency of San Diego
380 Stevens Ave - Solana Beach, CA 92075 - (858) 259-5800 - View Map
Kostyo Insurance Agency
4456 Vandever Ave #10 - San Diego, CA 92120 - (619) 325-3600 - View Map
Choosing an company should include more criteria than just a cheap quote. These are some valid questions you should ask.
- How experienced are they in personal risk management?
- Will one accident increase rates?
- Do you work with a CSR or direct with the agent?
- How is replacement cost determined on your vehicle?
- How are claims handled?
If you feel you receive positive feedback to your questions as well as a price you're happy with, it's a good possibility that you have found an insurer that meets the requirements to provide auto insurance coverage. But keep in mind you can always cancel a policy at any point so don't think that you are permanently stuck with any particular company indefinitely.
Save $443 a year? Really?
California consumers get pounded daily by advertisements that promise big savings for switching by companies like 21st Century, Allstate and State Farm. They all make the point that you'll save big if you switch to them.
But how can every company offer drivers better rates? It's all in the words they use.
Companies have strict underwriting profiles for the type of customer that will be a good risk. A good example of a preferred risk may be a married male, has a clear driving record, and drives a safe vehicle. Anyone that hits that "sweet spot" is entitled to the best price and will probably pay quite a bit less when switching companies.
Potential customers who may not quite match those standards will be charged higher premiums and this can result in the prospect going elsewhere. If you listen closely, the ads state "drivers who switch" not "everyone that quotes" save that much when switching. That's the way companies can truthfully make claims like that.
Because of this risk profiling, you should get San Diego car insurance quotes as often as possible. It is impossible to guess the company that will have better car insurance rates than you're paying now.
One last thing about your coverage
When buying insurance coverage, don't be tempted to skimp on coverage in order to save money. There have been many cases where an insured dropped uninsured motorist or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase a proper amount of coverage at an affordable rate and still be able to protect your assets.
More affordable car insurance in San Diego is available both online as well as from insurance agents, and you need to price shop both to get a complete price analysis. A few companies may not have online rate quotes and these regional insurance providers provide coverage only through independent agents.
More tips and info about car insurance can be read at these sites:
- Frontal Crash Tests (iihs.org)
- How Much are San Diego Car Insurance Quotes for Low Mileage Drivers? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Police Officers in San Diego? (FAQ)
- What Auto Insurance is Cheapest for Teachers in San Diego? (FAQ)
- What Car Insurance is Cheapest for Unemployed Drivers in San Diego? (FAQ)
- Auto Insurance Learning Center (State Farm)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Liability Insurance Coverage (Nationwide)
- Protecting Teens from Drunk Driving (Insurance Information Institute)