It’s hard to fathom, but most drivers kept their policy with the same company for at least four years, and roughly 40% of drivers have never shopped around. Drivers in Texas could pocket almost $1,766 a year just by shopping around, but they underestimate the rate savings if they changed companies.
Really, the only way to get more affordable auto insurance rates in Corpus Christi is to begin comparing prices regularly from insurance carriers that sell auto insurance in Texas.
First, spend some time learning about how auto insurance works and the changes you can make to keep rates in check. Many policy risk factors that are responsible for high rates such as speeding tickets, accidents and poor credit rating can be amended by being financially responsible and driving safely. This article gives more details to find cheap prices and get additional discounts that may have been overlooked.
Second, request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from one company like Progressive or Farmers Insurance, while independent agents can provide price quotes from multiple companies.
Third, compare the new rate quotes to the price on your current policy to see if a cheaper rate is available. If you find a better price and switch companies, make sure coverage does not lapse between policies.
Fourth, provide notification to your current company to cancel the current policy and submit the required down payment along with the signed application to the new company. Immediately safely store the proof of insurance certificate with your vehicle’s registration.
The most important part of shopping around is to make sure you’re comparing similar deductibles and liability limits on each price quote and and to get price estimates from as many companies as feasibly possible. This helps ensure a fair rate comparison and the most accurate and complete price analysis.
Lowering your Kia Sportage auto insurance rates is a great way to save money. You just need to take the time comparing rate quotes to discover which company has the cheapest Kia Sportage rate quotes.
The following companies provide price quotes in Texas. In order to find cheap car insurance in Texas, we suggest you get price quotes from several of them in order to find the cheapest rates.
Facts and figures for Kia Sportage insurance
The table displayed below covers detailed analysis of insurance policy prices for Kia Sportage models. Learning as much as possible about how insurance quotes are figured can assist in making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $208 | $328 | $382 | $22 | $114 | $1,054 | $88 |
| Sportage LX 2WD 4-Dr | $208 | $328 | $382 | $22 | $114 | $1,054 | $88 |
| Sportage EX 2WD 4-Dr | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Sportage LX 4WD 4-Dr | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Sportage LX | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Sportage EX 4WD 4-Dr | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rate information does not factor in specific zip code location which can raise or lower premiums noticeably.
Raise deductibles and save
When buying car insurance, a common question is at what level do you set your deductibles. The comparison tables below can help you understand the difference in cost between low and high policy deductibles. The first rate quote example uses a $250 deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $256 | $408 | $382 | $22 | $114 | $1,207 | $101 |
| Sportage LX 2WD 4-Dr | $256 | $408 | $382 | $22 | $114 | $1,207 | $101 |
| Sportage EX 2WD 4-Dr | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Sportage LX 4WD 4-Dr | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Sportage LX | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Sportage EX 4WD 4-Dr | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $158 | $256 | $382 | $22 | $114 | $932 | $78 |
| Sportage LX 2WD 4-Dr | $158 | $256 | $382 | $22 | $114 | $932 | $78 |
| Sportage EX 2WD 4-Dr | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| Sportage LX 4WD 4-Dr | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| Sportage LX | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| Sportage EX 4WD 4-Dr | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Premium costs do not factor in specific Corpus Christi garaging location which can influence price quotes significantly.
Based on the figures above, using a $250 deductible costs an average of $26 more each month or $312 annually than buying the higher $1,000 deductible. Because you would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 29 months between claim filings, you would more than likely save some money if you choose a higher deductible. The table below shows the way you can do this calculation yourself.
| Average monthly premium for $250 deductibles: | $108 |
| Average monthly premium for $1,000 deductibles (subtract): | – $82 |
| Monthly savings from raising deductible: | $26 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $26 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 29 months |
One thing to note is that raising deductibles means you will have to cover more of the damage yourself when you have a claim. That will necessitate a higher level of savings in the event you need to pay the deductible to have repairs made.
Full coverage rates compared to liability-only
The diagram below illustrates the difference between Kia Sportage yearly insurance costs with full coverage and liability only. The prices are based on no violations or claims, $250 deductibles, single status, and no discounts are factored in.
When to switch to liability coverage only
There is no exact rule of when to phase out full coverage, but there is a general guideline. If the yearly cost of full coverage is more than about 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Kia Sportage replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $3,000 after the policy deductible has been paid. If premium cost is more than $300 annually for full coverage, then it could be time to drop full coverage.
There are a few situations where only buying liability is not financially feasible. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not remove full coverage.
Special considerations
When it comes to your policy for your personal vehicles, there is no one-size-fits-all type of policy. Everyone’s situation is a little different.
For example, these questions may help highlight whether you might need an agent’s assistance.
- Do I need to file an SR-22 for a DUI in Texas?
- Who is covered by my policy?
- What does UM/UIM cover?
- What are good deductibles for a Kia Sportage?
- What can I do if my company won’t pay a claim?
- When can I cancel my policy?
- If I use my vehicle for business use is it covered?
If you’re not sure about those questions then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can help protect your family.
When should I have guidance from a local insurance agent?
Many people just want to sit down with an agent and that is recommended in a lot of cases Insurance agents are very good at helping people manage risk and give you someone to call. One of the benefits of getting online price quotes is that you can find cheap insurance quotes and still choose a local agent.
After completing this simple form, the quote information is emailed to participating agents in Corpus Christi who want to provide quotes to get your business. You won’t even need to even leave your home due to the fact that quote results will go to your email. If you have a need to compare prices from a particular provider, you can always go to their quote page and submit a quote form there.
Picking a insurer needs to be determined by more than just a low price. Agents should be asked these questions:
- Do they have 24-hour customer assistance?
- Is the coverage adequate for your vehicle?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Does the agent have professional designations like CIC, CPCU or AIC?
- What discounts might you be missing?
- Do they review policy coverages at every renewal?
- How many years of experience in personal auto insurance do they have?