Cheapest Kia Sportage Insurance in Los Angeles

When looking for cheaper insurance, are you intimidated by the wide range of insurance choices in Los Angeles? There are so many choices to choose from that it can quickly become a difficult situation to lower your prices for Kia Sportage insurance in Los Angeles. Los Angeles is the perfect city to reside in, but pricey insurance can make it nearly impossible to afford enough coverage.

Astonishing but true according to a recent study, almost 70% of insureds kept buying from the same company for at least four years, and 38% of drivers have never compared insurance rates at all. With the average premium in California being $1,400, drivers could save themselves roughly 35% a year by just comparing rate quotes, but they think it’s difficult to compare rate quotes online.

If you have auto insurance now, you will most likely be able to find the best rates using the ideas covered in this article. The purpose of this article is to let you in on how car insurance companies work and also pocket some savings But California vehicle owners benefit from understanding the methods companies use to sell online and take advantage of how the system works.

Get cheaper Kia Sportage insurance in Los Angeles with discounts

Insurance can be pricey, but there’s a good chance there are discounts that can help lower your rates. Certain discounts will be triggered automatically when you get a quote, but some may not be applied and must be specially asked for in order for you to get them.

• Air Bags and Passive Restraints – Cars that have air bags or motorized seat belts may qualify for discounts of up to 25% or more.
• Home Ownership Discount – Owning a house in Los Angeles may earn you a small savings because it demonstrates responsibility.
• Early Renewal Discounts – Select companies give a discount for buying a new policy before your current Sportage insurance policy expires. It can save you around 10%.
• Discounts for Government Workers – Employees or retirees of the government may reduce rates when you quote Los Angeles auto insurance depending on your company.
• Accident Waiver – Not a discount per se, but companies like Liberty Mutual, GEICO and Allstate will turn a blind eye to one accident before your rates go up if your claims history is clear for a certain period of time.
• Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education as it can save substantially.

Drivers should understand that most discounts do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though you would think adding up those discounts means a free policy, it’s just not the way it works.

The example below compares Kia Sportage car insurance rates with and without discounts applied to the policy premium. Data assumes a female driver, no driving violations, 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 safe-driver, multi-policy, multi-car, marriage, claim-free, and homeowner discounts applied.

Companies that have these discounts include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

Check with each insurance company which discounts you qualify for. Some of the earlier mentioned discounts may not be offered in your area.

When looking for affordable Los Angeles auto insurance quotes, there are a couple ways to compare rate quotes from companies that offer auto insurance in California. The fastest way to lower the rate you pay for Kia Sportage insurance consists of obtaining rate quotes online.

It’s important to know that comparing a large number of companies will enable you to find the best price.

The companies in the list below can provide comparison quotes in Los Angeles, CA. If the list has multiple companies, we recommend you click on several of them to find the lowest car insurance rates.

Auto insurance analysis for a Kia Sportage

The premium information below highlights a range of insurance coverage prices for Kia Sportage models. Learning a little about how insurance premiums are established can assist in making smart choices when choosing a car insurance company.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium amounts do not factor in specific Los Angeles garaging location which can affect rates greatly.

Raise deductibles and save

When shopping for auto insurance, a common question is where to set your physical damage deductibles. The rates below can help show the rate differences when you buy lower versus higher physical damage coverage deductibles. The first set of prices uses a $250 deductible and the second rate table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price information does not factor in specific zip code location which can change auto insurance rates considerably.

Using the premium rates above, we can conclude that using a $250 deductible costs roughly $16 more each month or $192 each year averaged for all Sportage models than quoting the higher $500 deductible. Due to the fact that 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 a minimum 16 months between claims, you would save money by going with a higher deductible.

The example below shows how choosing a deductible and can impact Kia Sportage insurance costs for different ages of insureds. The costs are based on a married male driver, full coverage, and no discounts are taken into consideration.

Careless drivers pay higher rates

The information below illustrates how speeding tickets and at-fault claims can raise Kia Sportage yearly insurance costs for each different age group. The information is based on a single male driver, full coverage, $1,000 deductibles, and no discounts are applied.

Rate comparison of full coverage and liability-only

The diagram below illustrates the comparison of Kia Sportage insurance rates when comparing full coverage to state minimum liability only. The premiums are based on no accidents, no driving violations, $100 deductibles, single status, and no discounts are applied to the premium.

When to switch to liability coverage only

There is no set guideline of when to eliminate physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Kia Sportage replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $6,000 after the deductible is paid. If it’s costing you more than $600 annually to have full coverage, then it might be time to consider dropping full coverage.

There are some circumstances where eliminating full coverage is not a good plan. If you haven’t satisfied your loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not drop full coverage.

Situations that may require an agent’s advice

Always keep in mind that when comparing a policy, there is no one-size-fits-all type of policy. Your financial needs are unique and your insurance should unique, too. For instance, these questions can aid in determining whether or not you may require specific advice.

• How can I force my company to pay a claim?
• Does my insurance cover a custom paint job?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Why am I be forced to buy a membership to get insurance from some companies?
• Should I file a claim if it’s only slightly more than my deductible?
• Will my insurance pay for OEM parts?

If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Insurance agent or online?

Some consumers just prefer to buy from a licensed agent and that can be a great decision An additional benefit of getting free rate quotes online is that you can find cheap car insurance quotes and still buy from a local agent.

To find an agent, once you fill out this short form, your insurance data gets sent to agents in your area who will give you quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to find an agent because prices are sent to you directly. You can most likely find cheaper rates and a licensed agent to work with. If you need to compare prices for a specific company, just go to their quote page to submit a rate quote request.

Finding a good insurance company needs to be determined by more than just a low price. These are some questions your agent should answer.

• Do they make recommendations based only on price?
• Can glass claims be handled at your home?
• Is the agency involved in supporting local community causes?
• Will they give you a referral list?
• What are the financial ratings for the companies they represent?

Two different types of car insurance agents

If you want to buy car insurance from a local insurance agency, it helps to know the two different types of agents and how they are slightly different. Insurance agencies in Los Angeles are classified as either independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agencies

These agents are contracted to one company like Allstate, State Farm and Farm Bureau. Exclusive agents are unable to shop your coverage around so keep that in mind. Exclusive agencies are usually quite knowledgeable on their products and sales techniques which aids in selling service over price. Consumers often use the same agent mainly due to loyalty to the company and solid financial strength.

Shown below is a list of exclusive insurance agencies in Los Angeles that can give you comparison quotes.

• Helen Lee – State Farm Insurance Agent
  2535 W Olympic Blvd – Los Angeles, CA 90006 – (213) 738-0700 – View Map
• Mirzakhanyan Insurance Agency Inc. – State Farm
  7113 1/2 Sunset Boulevard – Los Angeles, CA 90046 – (323) 303-3728 – View Map
• Oleg Avanesov – State Farm Insurance Agent
  12245 California Route 2 – Los Angeles, CA 90025 – (310) 826-8700 – View Map

View more agents

Independent Car Insurance Agents

Independent agencies are appointed with more than one company and that gives them the ability to insure amongst many companies depending on which coverage is best. If premiums increase, they simply move your policy to a different company and you won’t have to switch agencies. When comparing car insurance rates, you definitely need to get quotes from multiple independent agents to have the best price comparison. Most can insure with small mutual carriers which may provide better rates.

Shown below are independent insurance agencies in Los Angeles that are able to give price quote information.

• Public Insurance Agency
  10941 W Pico Blvd – Los Angeles, CA 90064 – (310) 234-8600 – View Map
• Starco Insurance
  1905 S Western Ave #19 – Los Angeles, CA 90018 – (310) 215-9991 – View Map
• Fuller Insurance
  621 S Westmoreland Ave – Los Angeles, CA 90005 – (213) 384-2062 – View Map

View more agents

Why you need insurance

Despite the high insurance cost for a Kia Sportage in Los Angeles, insurance may not be optional for several reasons.

• Just about all states have mandatory liability insurance requirements which means you are required to buy specific limits of liability insurance coverage in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you have a loan on your vehicle, it’s most likely the lender will require you to buy insurance to guarantee loan repayment. If you do not keep the policy in force, the lender will be forced to insure your Kia for a lot more money and force you to pay the higher premium.
• Insurance protects both your vehicle and your personal assets. It will also provide coverage for most medical and hospital costs that are the result of an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of insuring your Sportage more than offset the price you pay, especially when you need to use it. On average, a vehicle owner in Los Angeles is wasting up to $825 a year so you should quote and compare rates each time the policy renews to make sure the price is not too high.

Auto insurance policy specifics

Learning about specific coverages of a auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are the usual coverages offered by auto insurance companies.

Collision coverage protection

This coverage will pay to fix damage to your Sportage resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like rolling your car, sustaining damage from a pot hole, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible on your Sportage to get cheaper collision coverage.

Comprehensive insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a bird, a broken windshield, rock chips in glass, a tree branch falling on your vehicle and hail damage. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability car insurance

Liability insurance will cover damage or injury you incur to a person or their property that is your fault. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 15/30/5 which means $15,000 in coverage for each person’s injuries, a per accident bodily injury limit of $30,000, and a total limit of $5,000 for damage to vehicles and property.

Liability insurance covers things such as legal defense fees, loss of income, repair bills for other people’s vehicles and attorney fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford. California requires minimum liability limits of 15/30/5 but it’s recommended drivers buy more coverage.

The illustration below shows why minimum state limits may not be enough.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for immediate expenses like rehabilitation expenses, chiropractic care and dental work. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Kia Sportage.

Since many California drivers have only the minimum liability required by law (California limits are 15/30/5), their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Persistent drivers can save

We’ve covered some good ideas how you can reduce Kia Sportage insurance rates online in Los Angeles. The most important thing to understand is the more companies you get car insurance rates for, the better chance you’ll have of finding low cost Los Angeles auto insurance quotes. You may even find the biggest savings come from a small mutual company. Regional companies can often insure niche markets at a lower cost than their larger competitors like State Farm, GEICO and Nationwide.

As you go through the steps to switch your coverage, it’s not a good idea to reduce needed coverages to save money. In too many instances, consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. The proper strategy is to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.

Lower-priced Kia Sportage insurance in Los Angeles can be purchased both online in addition to local insurance agencies, so you need to quote Los Angeles auto insurance with both to get a complete price analysis. Some insurance companies may not have online rate quotes and most of the time these regional insurance providers sell through independent agencies.

More tips and info about insurance is located in these articles:

• Where can I buy Insurance? (Insurance Information Institute)
• Who Has Cheap Los Angeles Auto Insurance Rates for a GMC Sierra? (FAQ)
• What Auto Insurance is Cheapest for Low Income Drivers in Los Angeles? (FAQ)
• How Much is Los Angeles Auto Insurance for a Ford F-150? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for High Mileage Drivers in Los Angeles? (FAQ)
• What Does No-Fault Insurance Cover? (Allstate)
• Help Your Teen Be a Better Driver (State Farm)