Affordable Rates for Kia Sportage Insurance in Santa Ana

Kia Sportage insurance cost image courtesy of QuoteInspector.com

If you want to save money, the best way to get low-cost car insurance rates is to begin comparing prices regularly from providers that insure vehicles in Santa Ana. Drivers can shop around by following these steps.

• First, read about individual coverages and the steps you can take to keep rates low. Many risk factors that cause high rates like traffic violations, accidents, and poor credit rating can be improved by making small lifestyle or driving habit changes.
• Second, get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from one company like Progressive or State Farm, while independent agents can quote rates from multiple companies. Start a quote
• Third, compare the new rate quotes to your existing rates and determine if there is any savings. If you find a lower rate quote and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
• Fourth, provide proper notification to your current company of your intention to cancel your current coverage. Submit a completed application and payment to your new agent or company. When you receive it, keep your new certificate verifying proof of insurance somewhere easily accessible.

One thing to point out is to use the same physical damage deductibles and liability limits on each quote and and to get rates from every company you can. This enables an accurate price comparison and a thorough price selection.

A recent NerdWallet.com study revealed that a large majority of consumers have been with the same company for at least the last four years, and almost half have never compared car insurance rates at all. U.S. drivers could save themselves up to $860 a year by just comparing quotes, but they underestimate the rate savings if they replace their high priced policy.

Many insurance companies like State Farm and Allstate allow you to get coverage price quotes on the web. Doing online price comparisons for Kia Sportage insurance in Santa Ana doesn't take much effort as you just enter your personal and coverage information into the quote form. When the form is submitted, the company's rating system will order credit information and your driving record and gives you a price quote based on the information you submitted. Quoting online for Kia Sportage insurance in Santa Ana makes comparing rates easy, and it's absolutely necessary to do this in order to get cheaper car insurance pricing.

To quickly compare rates now, compare rates from the companies below. To compare your current rates, we recommend you input your coverages as shown on your current policy. Using the same limits helps guarantee you're receiving a rate comparison for similar coverage.

The following companies can provide price quotes in Santa Ana, CA. If several companies are displayed, we suggest you visit two to three different companies to get the best price comparison.

Why you need quality insurance for your Sportage

Despite the high cost of buying insurance for a Kia Sportage in Santa Ana, maintaining insurance may be required and benefits you in several ways.

First, the majority of states have compulsory liability insurance requirements which means you are required to carry a minimum amount of liability in order to be legal. 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.

Second, if your vehicle has a loan, most lenders will force you to have insurance to guarantee payment of the loan. If you cancel or allow the policy to lapse, the lender will be forced to insure your Kia at a more expensive rate and require you to pay the higher premium.

Third, insurance protects both your vehicle and your personal assets. It will also reimburse you for most medical and hospital costs for yourself as well as anyone injured by you. Liability insurance also pays for attorney fees and expenses if you are sued as the result of your driving. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of insuring your car more than cancel out the cost, particularly when you have a large claim. Today the average American driver is wasting up to $750 every year so shop around at every renewal to help ensure money is not being wasted.

Statistics and details

The coverage table shown below outlines estimates of coverage costs for Kia Sportage models. Knowing how insurance policy rates are formulated can be valuable when making smart policy decisions.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Information does not factor in vehicle garaging location which can increase or decrease coverage rates considerably.

Physical damage deductibles

When comparing insurance rates, the most common question is which deductible level should you buy. The following tables outline how much more rates are between high and low policy deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second set of rates uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Prices do not factor in your specific Santa Ana location which can raise or lower coverage rates greatly.

Based on the data above, we can derive that using a $100 deductible costs roughly $41 more each month or $492 annually than quoting the higher $1,000 deductible. Because you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 22 months between claims, you would come out ahead if you decide on a higher deductible.

Irresponsible driving raises your rates

The information below demonstrates how traffic citations and accident claims increase Kia Sportage insurance costs for each age group. The price estimates are based on a single male driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.

Car insurance policy discounts for Kia Sportage insurance in Santa Ana

Car insurance is not inexpensive, but you might find some hidden discounts that could drop your premiums quite a bit. Certain reductions will be credited when you purchase, but once in a while a discount must be asked about before they will apply.

• Paperless Signup - Certain larger companies provide a small discount for buying your policy online.
• Drive Less and Save - Driving fewer miles may allow you to get slightly better rates than normal.
• ABS Braking Discount - Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.
• Save with More Vehicles Insured - Buying insurance for more than one vehicle with the same company could earn a price break for each car.
• Discounts for New Vehicles - Buying a new car instead of a used Sportage is cheaper because new vehicles are generally safer.
• Seat Belt Discounts - Requiring all passengers to fasten their seat belts can save up to 15% off PIP or medical payments premium.
• Memberships - Joining a professional or civic organization is a good way to get lower rates when shopping for car insurance.
• Passenger Safety Discount - Vehicles equipped with air bags or motorized seat belts can get savings of 20 to 30 percent.

Just know that some credits don't apply to the entire cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that all those discounts means the company will pay you, company stockholders wouldn't be very happy. Any amount of discount should help reduce your premiums.

The chart below compares Kia Sportage premium costs with and without discounts applied to the premium. The rate quotes are based on a female driver, no claims or violations, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-car, multi-policy, marriage, and claim-free discounts applied.

Popular car insurance companies and the discounts they provide can be read below.

• State Farm has discounts for driver's education, student away at school, Steer Clear safe driver discount, multiple policy, and good driver.
• American Family may offer discounts for mySafetyValet, defensive driver, accident-free, multi-vehicle, and TimeAway discount.
• AAA has savings for multi-car, good driver, AAA membership discount, good student, and education and occupation.
• GEICO may include discounts for seat belt use, driver training, air bags, good student, and anti-lock brakes.
• Mercury Insurance may have discounts that include anti-theft, accident-free, multi-car, age of vehicle, and low natural disaster claims.
• Farmers Insurance policyholders can earn discounts including youthful driver, pay in full, bundle discounts, good student, homeowner, distant student, and switch companies.
• Progressive offers discounts including good student, online signing, multi-vehicle, online quote discount, continuous coverage, homeowner, and multi-policy.

When getting a coverage quote, ask every prospective company how you can save money. Some discounts listed above might not apply in your state. To find providers with discount car insurance rates in California, click here to view.