It goes without saying that auto insurance companies want to keep you from comparing prices. Drivers who get comparison quotes at least once a year will presumably switch to a new company because of the good chance of finding a more affordable policy premium. Surprisingly, a recent survey revealed that drivers who did price comparisons regularly saved over $850 each year as compared to drivers who never compared rates.
If finding the cheapest price on Kia Sportage insurance in Tucson is your intention, then having some insight into how to quote and compare auto insurance can make it easier to find better rates.
The preferred way to find lower priced Kia Sportage insurance in Tucson is to make a habit of comparing prices annually from companies in Arizona. Rates can be compared by following these guidelines.
- Step 1: Read about policy coverages and the changes you can make to prevent rate increases. Many rating criteria that are responsible for high rates such as traffic tickets, fender benders, and poor credit history can be eliminated by improving your driving habits or financial responsibility.
- Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or State Farm, while independent agents can quote rates for a wide range of insurance providers.
- Step 3: Compare the new rate quotes to your existing coverage to see if cheaper Sportage coverage is available. If you can save some money and decide to switch, make sure coverage does not lapse between policies.
One tip to remember is to try to use identical coverage information on every quote request and and to get price quotes from as many different insurance providers as possible. This guarantees a fair rate comparison and a complete rate analysis.
Get cheaper Kia Sportage insurance rates in Tucson
Companies don’t always list every possible discount in a way that’s easy to find, so the list below details a few of the more well known and the more hidden credits available to you.
- Drive Less and Save – Low annual miles can qualify you for substantially lower rates.
- Military Deployment Discount – Being deployed in the military could qualify you for better prices.
- Save with a New Car – Adding a new car to your policy can save up to 30% due to better safety requirements for new model year vehicles.
- Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle up can save up to 10 percent (depending on the company) off the personal injury premium cost.
- Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a lower premium rate if you buy some life insurance too.
- Anti-lock Brakes – Cars equipped with ABS or steering control can avoid accidents so you can save 10 percent or more.
As a footnote on discounts, many deductions do not apply to your bottom line cost. Most only apply to individual premiums such as collision or personal injury protection. So despite the fact that it appears you could get a free auto insurance policy, nobody gets a free ride. Any qualifying discounts should help reduce the premium cost.
The example below illustrates the difference between Kia Sportage insurance costs with and without discounts applied to the policy premium. The prices are based on a male driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, claim-free, multi-policy, and homeowner discounts applied.
A few of the larger companies and their offered discounts can be found below.
- 21st Century offers premium reductions for homeowners, good student, anti-lock brakes, theft prevention, and 55 and older.
- Progressive may offer discounts for homeowner, online signing, multi-vehicle, multi-policy, online quote discount, and continuous coverage.
- State Farm includes discounts for Drive Safe & Save, driver’s education, multiple policy, defensive driving training, passive restraint, Steer Clear safe driver discount, and multiple autos.
- Nationwide discounts include easy pay, good student, multi-policy, business or organization, and defensive driving.
- Esurance policyholders can earn discounts including emergency road assistance, Pac-12 alumni, anti-lock brakes, homeowner, defensive driver, and safety device.
- The Hartford offers discounts for good student, air bag, vehicle fuel type, bundle, anti-theft, and defensive driver.
If you are trying to find affordable Tucson auto insurance quotes, ask each insurance company which discounts can lower your rates. Some of the earlier mentioned discounts might not be offered in Tucson. To find auto insurance companies with the best discounts in Arizona, click here to view.
When comparing auto insurance rates, know that more quotes provides better odds of finding a lower rate than you’re paying now.
The companies in the list below are ready to provide comparison quotes in Arizona. If multiple companies are listed, we suggest you compare several of them to get the best price comparison.
Rates and statistics
The rate information displayed below outlines a range of insurance costs for Kia Sportage models. Understanding how insurance rates are formulated can assist in making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $158 | $292 | $390 | $24 | $116 | $980 | $82 |
| Sportage LX 2WD 4-Dr | $158 | $292 | $390 | $24 | $116 | $980 | $82 |
| Sportage EX 2WD 4-Dr | $180 | $356 | $390 | $24 | $116 | $1,066 | $89 |
| Sportage LX 4WD 4-Dr | $180 | $356 | $390 | $24 | $116 | $1,066 | $89 |
| Sportage LX | $180 | $356 | $390 | $24 | $116 | $1,066 | $89 |
| Sportage EX 4WD 4-Dr | $180 | $356 | $390 | $24 | $116 | $1,066 | $89 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Prices do not factor in vehicle location which can modify insurance rates noticeably.
How high should deductibles be?
One frequently asked question is how high should the deductibles for physical damage be. The comparisons below may help to conceptualize the differences in price when you buy lower versus higher deductibles. The first set of prices uses a $100 deductible for comp and collision and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $224 | $382 | $300 | $18 | $90 | $1,039 | $87 |
| Sportage LX 2WD 4-Dr | $224 | $382 | $300 | $18 | $90 | $1,039 | $87 |
| Sportage EX 2WD 4-Dr | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Sportage LX 4WD 4-Dr | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Sportage LX | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Sportage EX 4WD 4-Dr | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $124 | $202 | $300 | $18 | $90 | $734 | $61 |
| Sportage LX 2WD 4-Dr | $124 | $202 | $300 | $18 | $90 | $734 | $61 |
| Sportage EX 2WD 4-Dr | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Sportage LX 4WD 4-Dr | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Sportage LX | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Sportage EX 4WD 4-Dr | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| 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 homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price information does not factor in Tucson location which can raise or lower price quotes substantially.
We can estimate from the data above that using a $100 deductible will cost in the ballpark of $28 more each month or $336 each year across all Kia Sportage models than buying the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 32 months between claims, you would probably come out ahead by going with a higher deductible.
Impact of violations and accidents on rates
The diagram below highlights how speeding tickets and fender-benders impact Kia Sportage insurance prices for different age groups of insureds. The premiums assume a single female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.
Age-based insurance rates by gender
The diagram below shows the difference between Kia Sportage insurance costs for male and female drivers. The rates are based on no claims or driving violations, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are applied to the premium.
Shop online but buy locally
Some consumers would rather get professional advice from a licensed agent and that is OK! A nice benefit of comparing auto insurance online is that you can obtain the best rates but also keep your business local. Buying insurance from local agencies is definitely important in Tucson.
To find an agent, once you fill out this quick form, your coverage information is emailed to local insurance agents who will give you quotes for your coverage. It’s much easier because you don’t need to contact an agency due to the fact that quote results will go immediately to you. It’s the lowest rates and an insurance agent to talk to. If you wish to get a rate quote for a specific company, feel free to go to their quote page and submit a quote form there.
Finding the right provider is decision based upon more than just the price. The questions below may impact your decision as well.
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Will they make sure you get an adequate claim settlement?
- Do they have 24-hour customer assistance?
- How much can you save by raising your physical damage deductibles?
- Who are their largest clients?
- Will their companies depreciate repairs to your car based on the mileage?
- Which company do they place the most coverage with?
After you get good feedback to all your questions and cheap Sportage insurance quotes, it’s a good possibility that you have found an provider that is reputable and can service your policy.
How to find a good Arizona car insurance company
Picking the top insurance provider is hard considering how many companies there are in Arizona. The company information below may help you choose which providers to look at shopping your coverage with.
Top 10 Tucson Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Persistence will pay off
Some car insurance companies may not provide the ability to get quotes online and these smaller providers provide coverage only through independent insurance agents. Cost effective Kia Sportage insurance can be sourced both online in addition to many Tucson insurance agents, so compare prices from both in order to have the best chance of saving money.
Consumers switch companies for a number of reasons such as being labeled a high risk driver, high prices, an unsatisfactory settlement offer or even delays in responding to claim requests. Regardless of your reason for switching companies, choosing a new company is not as difficult as it may seem.
As you prepare to switch companies, make sure you don’t skimp on critical coverages to save a buck or two. Too many times, drivers have reduced uninsured motorist or liability limits and learned later they didn’t purchase enough coverage. Your strategy should be to get the best coverage possible at the best price but still have enough coverage for asset protection.
Additional detailed information is located at these sites: