Save Money on Kia Sportage Insurance in Detroit

Do you need a fast way to compare more affordable Kia Sportage insurance in Detroit? Are you at wits end from scraping nickels together each month for insurance? You’re in the same situation as many other Michigan consumers.

We don’t have to tell you that insurance companies don’t want policyholders to compare prices from other companies. People who shop around for better prices are highly likely to buy a new policy because of the good chance of finding coverage at a cheaper rate. Surprisingly, a recent survey revealed that consumers who routinely shopped around saved on average $860 a year compared to policyholders who never shopped around for better prices.

If finding the lowest price for auto insurance in Detroit is your goal, then having an understanding of how to get price quotes and compare insurance premiums can make the process less intimidating. Companies like GEICO, Progressive and Allstate promote their brand names with catchy ads and it is challenging if not impossible to ignore the propaganda and take the time to shop coverage around.

It’s important to shop coverage around on a regular basis because insurance prices change quite often. Just because you had the best rates on Kia Sportage insurance in Detroit a year ago the chances are good that you can find a lower rate quote today. Ignore everything you know about insurance because you’re about to learn the best methods to remove unneeded coverages and save money.

If you are insured now or want to find a cheaper company, use these tips to buy cheaper auto insurance and still have adequate protection. Locating the best rates in Detroit is really quite easy. Comparison shoppers only have to learn the most effective way to shop for auto insurance on the web.

The majority of larger companies allow consumers to get prices for coverage on their websites. Getting Kia Sportage insurance prices online is pretty easy because it’s just a matter of typing in the coverage amounts you desire as detailed in the form. After you submit the form their rating system automatically retrieves credit information and your driving record and returns a price quote based on the data you entered. This makes it simple to compare prices and it’s absolutely necessary to perform this step if you want to find a better rate.

To save time and find out what other companies charge, compare rate quotes from the providers shown below. If you have coverage now, it’s recommended you replicate the insurance coverages as shown on your current policy. This way, you will have a price comparison for the exact same coverage.

The car insurance companies shown below are ready to provide price quotes in Michigan. If you want cheaper car insurance in MI, we suggest you visit as many as you can to get a more complete price comparison.

Rates and other information

The premium table below highlights detailed analysis of policy rates for Kia Sportage models. Being more informed about how auto insurance policy rates are determined is important for you to make informed decisions.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Michigan minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Price information does not factor in your specific Detroit location which can alter coverage rates noticeably.

Deductible comparison

When buying car insurance, a common question is how high or low should comp and collision deductibles be. The following tables approximate the premium difference between high and low comp and collision deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second price table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Michigan minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Estimates do not factor in specific location information which can increase or decrease rates substantially.

We can derive from the above data that using a $100 deductible could cost the average driver approximately $42 more each month or $504 each year than requesting the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you average at least 10 months between claims, you would probably come out ahead going with the higher deductible.

Impact of speeding/accidents on car insurance rates

The illustration below highlights how traffic violations and at-fault fender-benders can drive up Kia Sportage premium costs for different categories of driver ages. The premiums are based on a married male driver, full coverage, $250 deductibles, and no discounts are applied.

Should you buy full coverage?

The information below illustrates the difference between Kia Sportage yearly insurance costs with full coverage and liability only. The premium estimates are based on no claims, a clean driving record, $500 deductibles, marital status is single, and no discounts are taken into consideration.

Are you wasting money paying for full coverage?

There is no set guideline for eliminating comp and collision coverage, but there is a general guideline. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let’s pretend your Kia Sportage claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $5,000 after paying your deductible. If it’s costing you more than $500 a year to have full coverage, then it might be time to consider dropping full coverage.

There are some conditions where dropping physical damage coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should maintain full coverage.

Best reasons to buy insurance in Michigan

Even though it can be expensive, insuring your vehicle is required in Michigan but also provides important benefits.

• The majority of states have minimum mandated liability insurance limits which means state laws require a specific level of liability protection if you drive a vehicle. In Michigan these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Kia Sportage has a loan, it’s most likely the lender will require you to buy insurance to guarantee their interest in the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Kia at a more expensive rate and require you to pay the higher premium.
• Insurance protects not only your car but also your assets. It will also cover medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability coverage will also pay attorney fees if you cause an accident and are sued. If your Kia gets damaged, collision and comprehensive coverages will pay to have it repaired.

The benefits of insuring your Sportage greatly outweigh the cost, especially with large liability claims. But the average driver in Michigan is currently overpaying as much as $865 each year so it’s recommended you shop around at every renewal to save money.

Cheap Kia Sportage insurance rates in Detroit

Insurance is neither fun to buy or cheap, but you may qualify for discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically at the time you complete a quote, but once in a while a discount must be asked about prior to receiving the credit. If you don’t get every credit you qualify for, you are paying more than you should be.

• Federal Government Employee – Active or retired federal employment could provide a small rate reduction with a few insurance companies.
• Low Mileage – Low mileage vehicles could earn substantially lower insurance rates.
• Air Bag Discount – Cars that have air bags may get savings of 20% or more.
• Pay Upfront and Save – By making one initial payment as opposed to paying monthly you could save up to 5%.
• College Student Discount – Any of your kids who are enrolled in higher education away from home and leave their car at home may be insured at a cheaper rate.

As is typical with insurance, most discount credits are not given to the entire policy premium. A few only apply to specific coverage prices like liability and collision coverage. Even though it appears having all the discounts means you get insurance for free, it’s just not the way it works.

The example below shows the difference between Kia Sportage yearly insurance costs with and without discounts being applied to the rates. The premium estimates are based on a male driver, no accidents, no driving violations, Michigan state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, safe-driver, multi-car, homeowner, and claim-free discounts applied.

The best insurance companies and the discounts they provide are:

• Farmers Insurance has discounts for good student, switch companies, multi-car, teen driver, pay in full, youthful driver, and bundle discounts.
• Esurance has savings for multi-policy, online shopper, good student, safety device, and online quote.
• State Farm discounts include multiple policy, anti-theft, driver’s education, Drive Safe & Save, safe vehicle, multiple autos, and good driver.
• GEICO may include discounts for anti-theft, driver training, emergency military deployment, five-year accident-free, good student, defensive driver, and anti-lock brakes.
• Allstate offers premium reductions for premier plus, anti-theft, economy car, good payer, resident student, eSmart discount, and 55 and retired.

When getting free Detroit auto insurance quotes, it’s a good idea to all companies you are considering how you can save money. Some credits may not apply to policies in Detroit. If you would like to choose from a list of companies who offer free Kia Sportage insurance quotes in Detroit, click here to view.

Car insurance agents are professional risk managers

Some people just prefer to sit down with an agent. Insurance agents will help you protect your assets and help you file claims. A good thing about comparing rates online is the fact that you can find better rates and still buy from a local agent. Buying insurance from local insurance agents is definitely important in Detroit.

After completing this short form, the quote information is emailed to local insurance agents in Detroit who will give you quotes for your insurance coverage. You won’t even need to contact any agents since rate quotes are delivered directly to you. If for some reason you want to get a price quote from a specific company, you would need to find their quoting web page to submit a rate quote request.

If you want a reliable insurance agency, it’s helpful to know the types of insurance agents and how they can write your policy. Car insurance agencies can be described as either independent or exclusive depending on the company they work for. Both types can sell and service car insurance coverage, but we need to point out the difference in how they write coverage because it can factor into which type of agent you select.

Independent Car Insurance Agencies or Brokers

Agents that elect to be independent are not employed by any specific company so as a result can place your coverage with a variety of different insurance companies and find the cheapest car insurance rates. To transfer your coverage to a different company, the business is moved internally and you don’t have to switch agencies.

When comparison shopping, you need to get some free quotes from at least one independent agent so that you can do a thorough price comparison.

Featured below are Detroit independent insurance agencies that may be able to give pricing information.

More insurance agents

Exclusive Insurance Agencies

Exclusive agents normally can only provide a single company’s rates and examples are State Farm, Allstate and AAA. They generally cannot compare rates from other companies so they have to upsell other benefits. Exclusive agents are trained well on the products they sell which aids in selling service over price.

The following is a short list of exclusive insurance agencies in Detroit willing to provide comparison quotes.

More insurance agents

Picking an insurance agency needs to be determined by more than just a cheap quote. Below are some questions you should ask.

• Do they get extra compensation for selling add-on coverages?
• Can glass claims be handled at your home?
• Are they involved in claim handling?
• Will you get a loaner vehicle if you car is being repaired?
• Will the agent or a CSR service your policy?
• Does the company allow you to choose your own collision repair facility?

Which is the best car insurance?

Always keep in mind that when comparing the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that.
For instance, these questions can help discover if your insurance needs could use an agent’s help.

• When should my teen driver be added to my policy?
• Am I covered if I hit a deer?
• Do I need special endorsements for business use of my vehicle?
• I have health insurance so do I need medical payments coverage?
• Is my dog or cat covered if injured in an accident?
• Should I pay a claim out-of-pocket?
• Does every company file a SR-22 automatically?
• Does my policy cover my teen driver if they drive my company car?
• How much coverage applies to personal belongings?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Detailed coverages of your car insurance policy

Having a good grasp of your car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages found on the average car insurance policy.

Insurance for medical payments

Med pay and PIP coverage pay for expenses for EMT expenses, prosthetic devices, funeral costs, nursing services and X-ray expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Kia Sportage.

Since many Michigan drivers only purchase the least amount of liability that is required (20/40/10), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.

Liability insurance

Liability insurance will cover injuries or damage you cause to other’s property or people. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 20/40/10 that translate to a limit of $20,000 per injured person, a limit of $40,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as attorney fees, funeral expenses and medical expenses. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford. Michigan requires minimum liability limits of 20/40/10 but it’s recommended drivers buy more liability than the minimum.

The illustration below shows why minimum state limits may not be high enough to cover claims.

Collision coverage

This will pay to fix damage to your Sportage caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a mailbox, rolling your car, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to bump up the deductible on your Sportage in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, vandalism, hitting a deer and damage from getting keyed. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Persistent drivers can save

Affordable Kia Sportage insurance in Detroit is available on the web as well as from independent agents in Detroit, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not offer online quoting and many times these small insurance companies sell through independent agencies.

As you shop your coverage around, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, an insured cut uninsured motorist or liability limits only to regret at claim time that the small savings ended up costing them much more. Your focus should be to buy the best coverage you can find at a price you can afford, but do not skimp to save money.

Steps to buying low-cost Kia Sportage insurance in Detroit

The best way we recommend to find discount Kia Sportage insurance is to compare prices regularly from insurers who sell insurance in Detroit.

• First, try to understand the different coverages in a policy and the measures you can control to lower rates. Many risk factors that cause rate increases such as accidents, traffic violations, and poor credit history can be improved by making minor driving habit or lifestyle changes.
• Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from a single company like Progressive or State Farm, while independent agents can quote prices for a wide range of companies.
• Third, compare the price quotes to your existing rates and determine if cheaper Sportage coverage is available in Detroit. If you find a better price and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
• Fourth, provide notification to your current company to cancel your current car insurance policy and submit a down payment and signed policy application to the new company. Immediately upon receiving it, keep the new proof of insurance paperwork with your registration paperwork.

The key aspect of shopping around is that you’ll want to compare the same amount of coverage on every quote and and to analyze as many carriers as you can. This enables a level playing field and a thorough selection of prices.

Additional articles

• Learn About Car Insurance (GEICO)
• Who Has Cheap Detroit Auto Insurance for a Dodge Ram? (FAQ)
• What is the Cheapest Auto Insurance in Detroit, Michigan? (FAQ)
• Help Your Teen Be a Better Driver (State Farm)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)