Affordable Rates for Kia Sportage Insurance in Philadelphia

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Insurance rates Kia Sportage in PhiladelphiaWant to learn a better way to compare cheaper car insurance rates in Philadelphia, PA? Philadelphia consumers have lots of choices when looking for affordable Kia Sportage insurance. They can either spend hours calling around to get rate comparisons or save time using the internet to find the lowest rates. There is a right way and a wrong way to shop for car insurance so you're going to learn the proper way to get price quotes for your Kia and locate the lowest price.

Statistics show that most car insurance policyholders kept their policy with the same company for at least the last four years, and virtually 40% of consumers have never even shopped around for cheaper coverage. Pennsylvania drivers can save almost $690 each year just by comparing rates, but they don't want to take the time to find cheaper car insurance rates.

Smart consumers take time to compare prices quite often because car insurance prices are usually higher with each renewal. Even if you got the best deal on Kia Sportage insurance in Philadelphia on your last policy other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because we're going to demonstrate the only way to find better coverage on Kia Sportage insurance in Philadelphia at a better price.

Many insurance companies allow consumers to get prices direct online. The process is possible for anyone as you simply enter the coverage amounts you desire on the page. Once you submit the form, their rating system pulls your credit score and driving record and returns pricing information based on these and other factors.

This streamlines rate comparisons, and it's absolutely necessary to get many rate quotes if you are searching for cheap car insurance pricing.

To find out how much you can save on car insurance, check out the car insurance providers below. If you have coverage now, it's recommended you replicate the coverage information identical to your current policy. Using the same limits helps guarantee you will get comparison quotes for the exact same coverage.

The companies in the list below are our best choices to provide price comparisons in Philadelphia, PA. If multiple companies are listed, it's highly recommended you get rates from several of them to find the lowest auto insurance rates.

Rates and detailed analysis

The premium information below showcases detailed analysis of policy rates for Kia Sportage models. Having insight into how policy rates are figured helps drivers make smart choices when buying a policy.

Kia Sportage Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $202 $324 $340 $20 $102 $988 $82
Sportage LX 2WD 4-Dr $202 $324 $340 $20 $102 $988 $82
Sportage EX 2WD 4-Dr $232 $394 $340 $20 $102 $1,088 $91
Sportage LX 4WD 4-Dr $232 $394 $340 $20 $102 $1,088 $91
Sportage LX $232 $394 $340 $20 $102 $1,088 $91
Sportage EX 4WD 4-Dr $232 $394 $340 $20 $102 $1,088 $91
Get Your Own Customized Quote Go

Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Price information does not factor in specific zip code location which can raise or lower prices greatly.

Physical damage deductibles

When comparing car insurance rates, the most common question is at what level do you set your deductibles. The tables below may help to illustrate the difference in cost between low and high policy deductibles. The first set of prices uses a $100 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Kia Sportage insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $246 $420 $330 $20 $98 $1,139 $95
Sportage LX 2WD 4-Dr $246 $420 $330 $20 $98 $1,139 $95
Sportage EX 2WD 4-Dr $284 $512 $330 $20 $98 $1,269 $106
Sportage LX 4WD 4-Dr $284 $512 $330 $20 $98 $1,269 $106
Sportage LX $284 $512 $330 $20 $98 $1,269 $106
Sportage EX 4WD 4-Dr $284 $512 $330 $20 $98 $1,269 $106
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Kia Sportage insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $180 $284 $330 $20 $98 $912 $76
Sportage LX 2WD 4-Dr $180 $284 $330 $20 $98 $912 $76
Sportage EX 2WD 4-Dr $206 $346 $330 $20 $98 $1,000 $83
Sportage LX 4WD 4-Dr $206 $346 $330 $20 $98 $1,000 $83
Sportage LX $206 $346 $330 $20 $98 $1,000 $83
Sportage EX 4WD 4-Dr $206 $346 $330 $20 $98 $1,000 $83
Get Your Own Customized Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rates do not factor in your specific Philadelphia location which can revise premiums substantially.

Based on the figures above, using a $100 deductible costs about $21 more each month or $252 every year than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you average at least 19 months between claim filings, you would more than likely save some money if you choose a higher deductible.

Rate increases following a ticket or accident

The example below illustrates how violations and accident claims raise Kia Sportage premium costs for different ages of insureds. Data assumes a married male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

Kia Sportage insurance rates by age and gender

The example below illustrates the difference between Kia Sportage insurance premiums for male and female drivers. The costs are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

Price comparison of only insuring for liability

The chart below compares Kia Sportage insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Pennsylvania. The information is based on a clean driving record, no claims, $500 deductibles, marital status is single, and no discounts are taken into consideration.

Should you buy full coverage or liability only?

There is no clear-cut formula to eliminate physical damage coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is 10% or more of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let's assume your Kia Sportage replacement cost is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $8,000 after paying your deductible. If premiums are more than $800 a year for comprehensive and collision coverage, then you might consider buying liability only.

There are some cases where dropping physical damage coverage is not advised. If you still have a lienholder on your title, you must maintain physical damage coverage to protect the lienholder's interest. Also, if you can't afford to buy a different vehicle in case of an accident, you should not buy liability only.

Get affordable Kia Sportage insurance in Philadelphia with discounts

Insuring your vehicles can cost a lot, but you may find discounts to cut the cost considerably. Some trigger automatically at the time you complete a quote, but occasionally some discounts must be asked for prior to getting the savings.Save money with discounts

  • Pay Early and Save - If you can afford to pay the entire bill instead of monthly or quarterly installments you could save 5% or more.
  • Include Life Insurance and Save - Larger car insurance companies have a break if you buy some life insurance in addition to your auto policy.
  • Good Student - Performing well in school could provide a savings of up to 20% or more. The discount lasts well after school through age 25.
  • Paperwork-free - Certain car insurance companies may give you up to $50 shop Philadelphia auto insurance on the web.
  • Anti-lock Brake Discount - Vehicles with ABS and/or traction control can avoid accidents and earn discounts up to 10%.
  • Organization Discounts - Belonging to qualifying clubs or civic groups is a simple method to lower premiums on car insurance.
  • First Accident Forgiveness - This isn't a discount exactly, but a few companies such as State Farm, Progressive and GEICO will turn a blind eye to one accident without getting socked with a rate hike as long as you don't have any claims for a set time period.
  • Home Ownership Discount - Just owning your own home can save a few bucks because of the fact that having a home demonstrates responsibility.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. A few only apply to individual premiums such as physical damage coverage or medical payments. Even though it appears having all the discounts means you get insurance for free, companies don't profit that way. But all discounts will bring down your policy premiums.

The diagram below shows the difference between Kia Sportage insurance prices with and without discounts applied to the policy rates. The premiums are based on a male driver, no violations or claims, Pennsylvania 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 claim-free, multi-car, safe-driver, marriage, homeowner, and multi-policy discounts applied.

Insurance companies who might offer these benefits possibly include:

Before buying, ask all the companies what discounts are available to you. Discounts might not be offered in Philadelphia. For a list of providers who offer car insurance discounts in Pennsylvania, follow this link.

Choosing the best Kia vehicle insurance in Pennsylvania is an important decision

Even though it's not necessarily cheap to insure a Kia in Philadelphia, paying for car insurance serves an important purpose.

  • Just about all states have mandatory insurance requirements which means you are required to buy a specific level of liability coverage if you want to drive legally. In Pennsylvania 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, almost every bank will stipulate that you have full coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the lender may insure your Kia for a lot more money and require you to fork over for the much more expensive policy.
  • Insurance protects both your assets and your car. It will also pay for hospital and medical expenses for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if you cause an accident and are sued. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of having car insurance are definitely more than the cost, especially if you ever need it. According to a 2015 survey, the average American driver is currently overpaying as much as $865 each year so compare rates every year to save money.

Compare rates but still have a local neighborhood Philadelphia car insurance agent

Certain consumers prefer to talk to an insurance agent and doing so can bring peace of mind Good agents can help determine the best coverages and help you file claims. A good thing about getting online price quotes is that you can find lower rates and still choose a local agent.

Upon completion of this short form, your information is transmitted to insurance agents in Philadelphia that give free quotes for your business. You don't have to search for an agent because prices are sent immediately to your email address. If you want to get a price quote for a specific company, don't hesitate to search and find their rate quote page and submit a quote form there.

Picking the best company is decision based upon more than just the bottom line cost. Any good agent in Philadelphia should know the answers to these questions.

  • What will you get paid if your car is a total loss? How is that amount determined?
  • How many companies do they write for?
  • Does the company have a local claim office in Philadelphia?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?

Two types of Philadelphia auto insurance agents

If you need to find an insurance agent, you must know there are a couple different agency structures and how they operate. Agencies in Philadelphia are either exclusive agents or independent agents. Either one can sell and service insurance coverage, but it's worth mentioning the difference in how they write coverage because it can influence the selection process.

Exclusive Insurance Agents

Exclusive insurance agents can usually just insure with one company and examples are State Farm or Allstate. Exclusive agents cannot place coverage with different providers so it's a take it or leave it situation. They are trained well on the products they sell which helps offset the inability to provide other markets. Some people will only buy insurance from these agents mostly because of loyalty to the company and strong financial ratings.

Shown below is a short list of exclusive agents in Philadelphia that are able to give price quote information.

More Philadelphia agents

Independent Agents (or Brokers)

Agents that elect to be independent are not employed by one company so they can quote policies with many different companies enabling the ability to shop coverage around. If your agent finds better pricing, they simply switch companies in-house which makes it simple for you.

When comparing insurance rates, it's recommended you compare quotes from at least one independent agent to get the most accurate price comparison. Many can place coverage with smaller regional carriers that many times have cheaper rates.

Shown below is a list of independent insurance agencies in Philadelphia that are able to give price quotes.

More Philadelphia agents