Compare Kia Sportage Insurance Rate Quotes in Fresno

Insurance quote for Kia Sportage in FresnoTruthfully, the best way to get affordable Kia Sportage insurance in Fresno is to regularly compare prices from providers in California. Drivers can shop around by following these guidelines.

First, get an understanding of auto insurance and the measures you can control to keep rates down. Many rating factors that increase rates like distracted driving and an unacceptable credit rating can be eliminated by making minor changes in your lifestyle. This article provides additional tips to help prevent expensive coverage and earn a bigger discount.

Second, compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like Progressive or State Farm, while independent agents can give you price quotes from many different companies.

Third, compare the new quotes to your existing rates to see if switching to a new carrier will save money. If you can save some money and switch companies, make sure there is no lapse in coverage.

Fourth, tell your current company of your intent to cancel your current car insurance policy and submit a completed policy application and payment for the new policy. Immediately keep the new certificate verifying coverage in your glove compartment.

A good piece of advice is to use the same amount of coverage on each price quote and and to compare as many auto insurance providers as possible. Doing this guarantees a level playing field and the best price selection.

It’s a known fact that car insurance companies don’t want policyholders to shop around. Drivers who shop around are likely to buy a new policy because the odds are good of finding more affordable rates. A recent insurance study revealed that people who routinely compared quotes saved about $70 a month as compared to drivers who didn’t regularly shop around.

If finding the cheapest price for Kia Sportage insurance is why you’re reading this, then learning a little about how to choose a company and compare insurance can make the process more efficient.

Finding affordable auto insurance coverage in Fresno is really quite easy. If you are insured now, you will most likely be able to get lower rates using the concepts covered in this article. Consumers just have to know how to get comparison rates from many companies at once.

The auto insurance companies shown below are our best choices to provide free quotes in Fresno, CA. To locate the best cheap car insurance in Fresno, it’s a good idea that you compare several of them to get a more complete price comparison.

These discounts can lower your auto insurance quotes

Not many people think insurance is cheap, but there’s a good chance there are discounts that can help lower your rates. Certain discounts will be applied at the time of quoting, but some must be asked for prior to receiving the credit.Save money with discounts

As is typical with insurance, some of the credits will not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as comp or med pay. Even though the math looks like you can get free auto insurance, you won’t be that lucky.

The information below illustrates the comparison of Kia Sportage car insurance rates with and without discounts applied. The price estimates are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, marriage, claim-free, homeowner, and multi-policy discounts applied.

Larger auto insurance companies and a selection of discounts are:

It’s a good idea to ask all the companies which discounts you may be entitled to. Some discounts listed above might not be available to policyholders in your area. For a list of insurers with significant discounts in California, click here.

Rates and information analytics

The table below highlights different insurance policy prices for Kia Sportage models. Having a better understanding of how policy premiums are figured can help customers make informed decisions when comparing rate quotes.

Kia Sportage Insurance Rates in Fresno, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $368 $694 $596 $36 $178 $1,872 $156
Sportage LX 2WD 4-Dr $368 $694 $596 $36 $178 $1,872 $156
Sportage EX 2WD 4-Dr $422 $844 $596 $36 $178 $2,076 $173
Sportage LX 4WD 4-Dr $422 $844 $596 $36 $178 $2,076 $173
Sportage LX $422 $844 $596 $36 $178 $2,076 $173
Sportage EX 4WD 4-Dr $422 $844 $596 $36 $178 $2,076 $173
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in your specific Fresno location which can modify prices substantially.

Where to set your deductibles

A question often asked by Fresno drivers is how high should your deductibles be. The data tables below help summarize the differences in premium rates when you choose different deductibles. The first rate estimation uses a $250 physical damage deductible and the second set of rates uses a $500 deductible.

Kia Sportage insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $298 $472 $442 $26 $132 $1,395 $116
Sportage LX 2WD 4-Dr $298 $472 $442 $26 $132 $1,395 $116
Sportage EX 2WD 4-Dr $342 $576 $442 $26 $132 $1,543 $129
Sportage LX 4WD 4-Dr $342 $576 $442 $26 $132 $1,543 $129
Sportage LX $342 $576 $442 $26 $132 $1,543 $129
Sportage EX 4WD 4-Dr $342 $576 $442 $26 $132 $1,543 $129
Get Your Own Custom Quote Go

Kia Sportage insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $242 $382 $442 $26 $132 $1,224 $102
Sportage LX 2WD 4-Dr $242 $382 $442 $26 $132 $1,224 $102
Sportage EX 2WD 4-Dr $278 $464 $442 $26 $132 $1,342 $112
Sportage LX 4WD 4-Dr $278 $464 $442 $26 $132 $1,342 $112
Sportage LX $278 $464 $442 $26 $132 $1,342 $112
Sportage EX 4WD 4-Dr $278 $464 $442 $26 $132 $1,342 $112
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Estimates do not factor in the specific area where the vehicle is garaged which can influence price quotes noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs roughly $16 more each month or $192 annually than requesting the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 16 months between claim filings, you would most likely save money if you choose a higher deductible.

How to calculate deductible break even point

Average monthly premium for $250 deductibles: $125
Average monthly premium for $500 deductibles (subtract): – $109
Monthly savings from raising deductible: $16
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

One big caveat is that higher deductibles means you will have to pay more of your own money when you have a claim. You should have some savings in the bank in the event you need to pay the deductible.

Violations and accidents raise rates

The chart below highlights how speeding tickets and fender-benders influence Kia Sportage insurance costs for different age groups. The premiums are based on a single female driver, full coverage, $1,000 deductibles, and no discounts are factored in.

Should you buy full coverage?

The chart below shows the comparison of Kia Sportage insurance rates with full coverage compared to only the California minimum liability coverage. The premiums assume no tickets, no at-fault accidents, $100 deductibles, single marital status, and no discounts are taken into consideration.

Are you wasting money on full coverage?

There is no clear-cut formula that works best for making the decision to drop comp and collision coverage, but there is a guideline you can consider. If the annual cost of coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.

For example, let’s say your Kia Sportage replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $5,000 after the policy deductible has been paid. If it’s costing you more than $500 a year to have full coverage, then you may want to consider only buying liability coverage.

There are some situations where only buying liability is not recommended. If you still owe a portion of the original loan, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not opt for liability only.

Insurance Premium Influencing Factors

Lots of factors are taken into consideration when you quote your car insurance policy. A few of the factors are predictable like your driving record, but other criteria are less obvious like your vehicle usage or your vehicle rating.

Car insurance agents near you

A lot of people would rather get advice from a local agent. Good insurance agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of getting online price quotes is the fact that drivers can get better rates and also buy local.

Find insurance agent in FresnoBy using this form (opens in new window), your insurance coverage information is submitted to participating agents in Fresno who will give competitive quotes for your insurance coverage. You never need to contact any agents as quotes are delivered straight to your inbox. If you want to get a comparison quote from one company in particular, feel free to navigate to their website and complete a quote there.

Choosing the best provider is decision based upon more than just a cheap price quote. These are some valid questions you should ask.

Fresno car insurance agents are either independent or exclusive

When searching for a local Fresno insurance agency, you must know there are a couple different types of agencies and how they are distinctly different. Auto insurance agents in Fresno can be described as either independent agents or exclusive agents. Both can sell and service auto insurance coverage, but it’s good to learn the difference in how they write coverage because it can factor into buying decisions.

Exclusive Auto Insurance Agents

Agents of this type work for only one company and examples are Farmers Insurance and State Farm. These agents are unable to provide rate quotes from other companies so you might not find the best rates. They are highly trained in insurance sales which helps them sell insurance even at higher premiums. Many people purchase coverage from exclusives mostly because of the brand instead of buying on price only.

Shown below is a list of exclusive insurance agencies in Fresno that are able to give rate quotes.

More insurance agents

Independent Agents (or Brokers)

Agents that elect to be independent often have many company appointments and that is an advantage because they can write policies with many different companies and help determine which has the cheapest rates. If prices rise, your agent can just switch to a different company and you stay with the same agent.

When searching for an agent, you should always get rate quotes from at a minimum one independent agency so that you can do a thorough price comparison. Most have the option of insuring with smaller mutual companies which could offer lower prices.

The following is a short list of independent insurance agents in Fresno that can give you comparison quotes.

More insurance agents

Upon getting good feedback to these questions as well as affordable Kia Sportage insurance rates in Fresno quotes, it’s possible that you found an insurance agency that can properly insure your vehicles.

When to get professional advice

When quoting and comparing your policy for your vehicles, there really is not a perfect coverage plan. Every situation is different so your insurance needs to address that.Higher deductibles save money
For example, these questions might point out if your insurance needs may require specific advice.

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Affordable insurance rates are out there

When you buy Fresno car insurance online, do not buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced liability limits or collision coverage only to regret that the savings was not a smart move. Your focus should be to get the best coverage possible at the best cost.

We just presented a lot of ways to get a better price on Kia Sportage insurance in Fresno. The key concept to understand is the more rate comparisons you have, the higher your chance of finding inexpensive Fresno car insurance quotes. You may even be surprised to find that the biggest savings come from the smaller companies. They may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate, GEICO and Progressive.

Affordable Kia Sportage insurance in Fresno is attainable from both online companies as well as from insurance agents, and you need to comparison shop both to have the best rate selection. A few companies may not have online quoting and many times these small, regional companies provide coverage only through local independent agents.

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