How many times have you told yourself it’s time to shop around for more affordable Kia Sportage insurance in Chula Vista? Locating low-cost insurance for a new or used Kia Sportage in California can turn out to be a painful process, but you can follow a few tricks and make it easy.
There is a right way and a wrong way to find car insurance online so you’re going to learn the best way to compare rates for a new or used Kia and locate the best price possible.
Smart consumers take time to shop coverage around yearly because car insurance rates change quite often. Just because you found the best rate on Kia Sportage insurance in Chula Vista last year you can probably find a lower rate today. You can search a lot of Sportage insurance out there, but I’m going to show you some guaranteed methods to save money.
Best Kia Sportage insurance rate quotes in California
The companies shown below are ready to provide free quotes in Chula Vista, CA. If multiple companies are listed, it’s highly recommended you visit as many as you can in order to find the most affordable rates.
Kia Sportage detailed coverage information
The premium information displayed next showcases different prices for Kia Sportage models. Having knowledge of how car insurance prices are figured can be of help when making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $158 | $306 | $500 | $30 | $150 | $1,144 | $95 |
| Sportage LX 2WD 4-Dr | $158 | $306 | $500 | $30 | $150 | $1,144 | $95 |
| Sportage EX 2WD 4-Dr | $182 | $372 | $500 | $30 | $150 | $1,234 | $103 |
| Sportage LX 4WD 4-Dr | $182 | $372 | $500 | $30 | $150 | $1,234 | $103 |
| Sportage LX | $182 | $372 | $500 | $30 | $150 | $1,234 | $103 |
| Sportage EX 4WD 4-Dr | $182 | $372 | $500 | $30 | $150 | $1,234 | $103 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate information does not factor in specific Chula Vista garaging location which can increase or decrease coverage prices significantly.
Deductible analysis
One of the most common insurance questions is how high should the physical damage coverage deductibles be. The rates shown below summarize the difference in cost of buying low and high policy deductibles. The first pricing table uses a $250 deductible for physical damage and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $298 | $472 | $442 | $26 | $132 | $1,395 | $116 |
| Sportage LX 2WD 4-Dr | $298 | $472 | $442 | $26 | $132 | $1,395 | $116 |
| Sportage EX 2WD 4-Dr | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Sportage LX 4WD 4-Dr | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Sportage LX | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Sportage EX 4WD 4-Dr | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $184 | $298 | $442 | $26 | $132 | $1,082 | $90 |
| Sportage LX 2WD 4-Dr | $184 | $298 | $442 | $26 | $132 | $1,082 | $90 |
| Sportage EX 2WD 4-Dr | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Sportage LX 4WD 4-Dr | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Sportage LX | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Sportage EX 4WD 4-Dr | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in vehicle location which can decrease or increase coverage rates greatly.
Based on the above data, using a $250 deductible will cost you roughly $30 more each month or $360 for a full year averaged for all Sportage models than opting for the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 25 months between claims, you would probably come out ahead going with the higher deductible.
Men versus women drivers and insurance cost
The illustration below illustrates the comparison of Kia Sportage car insurance rates for male and female drivers. The premiums are based on no accidents or driving violations, full coverage, $250 deductibles, single status, and no discounts are applied.
Do you need full coverage?
The illustration below illustrates the difference between Kia Sportage insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are applied.
When to stop paying for full coverage
There is no definitive formula to stop paying for physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let’s assume your Kia Sportage book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $2,000 after you pay the deductible. If premiums are more than $200 a year for physical damage coverage, then it may be the right time to buy liability only.
There are a few cases where dropping physical damage coverage is not advised. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.
Chula Vista Insurance Prices are Influenced by These Factors
Multiple criteria are part of the equation when pricing auto insurance. A few of the factors are predictable like a motor vehicle report, but other criteria are less apparent such as your credit history and annual miles driven. Consumers need to have an understanding of the factors that come into play when calculating your policy premiums. If you know what determines premiums, this helps enable you to make changes that can help you get lower rates.
Get better prices if you’re married – Having a spouse helps lower the price on insurance. Having a significant other demonstrates that you tend to be more stable financially and insurance companies reward insureds because drivers who are married are more cautious.
Raise deductibles and save – Comp and collision deductibles are the amount of money you are required to spend out-of-pocket if the claim is covered. Insurance for physical damage, also known as collision and other-than-collision, insures against damage to your car. Examples of some claims that would be covered would be a windshield broken by a bird, animal collisions, and damage caused by road hazards. The more of the claim you pay before a claim is paid (deductible), the less your company will charge you for insurance.
Is you vocation costing you more? – Did you know your career choice can influence rates? Occupations like real estate brokers, business owners, and stock brokers usually pay higher premiums than the average policyholder in part from intense work-related stress and incredibly demanding work hours. On the other hand, jobs such as scientists, historians and the unemployed generally pay rates lower than average.
Lower premiums for safer cars – Vehicles with good safety scores get lower rates. Safer cars help reduce the chance of injuries in an accident and better occupant protection means less claims paid and cheaper rates on your policy. If your Kia Sportage scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
Don’t get traffic citations – Your driving citation history influences premium rates substantially. Only having one moving violation may cause rates to rise to the point where it’s not affordable. Attentive drivers receive lower rates compared to drivers with tickets. Drivers who have received careless citations like DUI, reckless driving or excessive speeding are required to file a SR-22 with their state in order to prevent a license revocation.
The example below illustrates how violations and at-fault collisions can raise Kia Sportage insurance premiums for each different age group. The information is based on a single female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.
Insurance losses for a Kia Sportage – Car insurance companies use data from past claims to help calculate a profitable premium price. Vehicles that the statistics show to have a higher amount or frequency of claims will cost more for coverage.
The table below outlines the collected loss data for Kia Sportage vehicles. For each type of coverage, the claim amount for all vehicles, without regard to make or model, is equal to 100. Values that are under 100 imply a favorable loss record, while percentage values above 100 indicate higher probability of having a loss or a tendency for losses to be larger than average.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Kia Sportage 4dr 2WD | 82 | 100 | 66 | 113 | 127 | 109 |
| Kia Sportage 4dr 4WD | 90 | 100 | 83 | 116 | 108 | 101 |
Statistics from IIHS.org for 2013-2015 Model Years
Companies offer many discounts on Kia Sportage insurance in Chula Vista
Auto insurance companies do not advertise the entire discount list very well, so the list below contains a few of the more well known and the more hidden credits that you can use to lower your rates.
- Professional Organizations – Joining a civic or occupational organization in Chula Vista is a good way to get lower rates on your policy.
- Passenger Safety Discount – Cars that have air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.
- Anti-theft Discount – Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and will qualify for a discount on a Chula Vista auto insurance quote.
- Data Collection Discounts – Insureds that choose to allow driving data collection to scrutinize driving manner by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm might see lower rates as long as they are good drivers.
- Senior Citizen Rates – Drivers over the age of 55 may qualify for reduced rates.
- College Student – Any of your kids who are enrolled in higher education away from home and do not take a car to college could get you a discount.
Keep in mind that most of the big mark downs will not be given to the entire cost. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though you would think adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will cut your premiums.
The diagram below illustrates the comparison of Kia Sportage auto insurance costs with and without discounts. The premium estimates are based on a female driver, no claims or driving citations, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, marriage, multi-car, safe-driver, and multi-policy discounts applied.
To see a list of providers who offer free Kia Sportage insurance quotes in Chula Vista, follow this link.
Shop online but buy locally
Many people still prefer to have an agent’s advice and that is OK! Experienced insurance agents are very good at helping people manage risk and help submit paperwork. The best thing about comparing rates online is that drivers can save money and get better rates and still have an agent to talk to. And supporting small agencies is definitely important in Chula Vista.
To help locate an agent, after submitting this form (opens in new window), the coverage information is emailed to companies in Chula Vista who will return price quotes for your coverage. There is no need to even leave your home since price quotes are sent immediately to you. In the event you want to compare prices from a particular provider, you just need to navigate to their website and complete a quote there.
Exclusive agents vs. Independent agents
If you are wanting to purchase car insurance from a reliable agent, you need to know there are two different types of agents that differ in how they can insure your vehicles. Car insurance agencies may be either exclusive or independent. Either one can handle car insurance, but it’s worth learning why they differ since it can affect which type of agent you select.
Independent Car Insurance Agents (or Brokers)
Agents in the independent channel do not work for one specific company so they can insure your vehicles through many companies and help determine which has the cheapest rates. To transfer your coverage to a different company, they simply move your policy to a different company and you stay with the same agent. When comparison shopping, we highly recommend that you get some free quotes from a couple of independent agencies so that you have a good selection of quotes to compare. A lot of them also have access to small mutual carriers which can save you money.
Featured below are independent insurance agents in Chula Vista that may be able to give you cheap rate quotes.
- Mercury Insurance Agency est. 1966
40 Third Ave – Chula Vista, CA 91910 – (619) 427-2662 – View Map - Fred Loya Insurance
1177 Broadway STE 21 – Chula Vista, CA 91911 – (619) 422-7500 – View Map - Elect Insurance Center
1229 Third Ave c – Chula Vista, CA 91911 – (619) 425-3532 – View Map
Exclusive Insurance Agencies
Exclusive agents are contracted to one company and examples are Allstate, Farmers Insurance or State Farm. They usually cannot compare other company’s rates so they are skilled at selling on more than just price. These agents are usually quite knowledgeable in insurance sales which helps overcome the inability to quote other rates. Many people choose to use an exclusive agent mainly due to the prominent brand name and the convenience of having all coverages with one company.
The following is a list of exclusive agents in Chula Vista willing to provide comparison quotes.
- Fred Hetter – State Farm Insurance Agent
265 E St Suite B – Chula Vista, CA 91910 – (619) 420-9430 – View Map - Carlos Solorzano – State Farm Insurance Agent
1105 Broadway #202 – Chula Vista, CA 91911 – (619) 420-7000 – View Map - Farmers Insurance: Vega Julio V
799 Third Ave – Chula Vista, CA 91911 – (619) 426-0554 – View Map
Deciding on an auto insurance agent should include more criteria than just a cheap price quote. The questions below may impact your decision as well.
- Is the agent CPCU or CIC certified?
- Do they feel the quoted coverages are adequate?
- Do you need full coverage on every vehicle?
- Are they properly licensed to sell insurance in California?
- Do they prorate repair cost based on vehicle mileage?
- Can they help ensure a fair claim settlement?
- How long has their agency been open in Chula Vista?
- When do they do policy reviews?
After talking to the agent and getting positive responses to these questions as well as cheaper Sportage insurance quotes, it’s a good possibility that you have found a car insurance agent that is reputable and can provide car insurance coverage. Just be aware that it’s your coverage and you can cancel your policy any time you want so don’t assume you’re contractually obligated to any specific agency for the full policy term.
There’s no such thing as the perfect car insurance policy
When it comes to buying coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique.
Here are some questions about coverages that may help you determine if your insurance needs might need professional guidance.
- Are rental cars covered under my policy?
- Should I rate my vehicle as business use?
- When should I not buy collision coverage?
- What is GAP insurance?
- Do I need to call my car insurance company before buying a new car?
- Do I have coverage when using my vehicle for my home business?
- Does coverage follow the driver or the vehicle?
- Should I bundle my homeowners policy with my auto?
If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.
In conclusion
Consumers switch companies for many reasons like high prices, questionable increases in premium, policy cancellation and even not issuing a premium refund. It doesn’t matter what your reason, choosing a new insurance company is easier than you think.
While you’re price shopping online, don’t be tempted to buy less coverage just to save a little money. In many cases, someone sacrificed comprehensive coverage or liability limits only to regret at claim time they didn’t have enough coverage. The ultimate goal is to buy enough coverage for the lowest cost, but do not sacrifice coverage to save money.
We just showed you many ideas to find lower-cost Kia Sportage insurance in Chula Vista. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may even discover the lowest priced auto insurance comes from some of the smallest insurance companies.
How to buy discount Kia Sportage insurance in Chula Vista
Truthfully, the best way to find cheaper quotes for auto insurance rates is to make a habit of comparing prices annually from insurance carriers in Chula Vista. You can compare prices by completing these steps.
- Step 1: Learn about how auto insurance works and the changes you can make to lower rates. Many rating factors that increase rates such as accidents, traffic tickets, and a bad credit score can be eliminated by making minor changes to your lifestyle.
- Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO or State Farm, while independent agencies can give you price quotes from multiple sources.
- Step 3: Compare the quotes to your existing coverage and see if there is a cheaper rate. If you can save money and change companies, ensure there is no coverage lapse between policies.
One bit of advice is to make sure you enter the same liability limits and deductibles on each quote and and to get rates from every insurance company. This enables a fair rate comparison and a complete selection of prices.
More detailed auto insurance information can be read by following these links:
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Who Has Cheap Auto Insurance Quotes for a Hyundai Santa Fe in Chula Vista? (FAQ)
- How Much are Auto Insurance Quotes for Lyft Drivers in Chula Vista? (FAQ)
- Who Has Cheap Car Insurance Quotes for 4×4 Vehicles in Chula Vista? (FAQ)
- How Much are Car Insurance Quotes for a Chevrolet Equinox in Chula Vista? (FAQ)
- What Car Insurance is Cheapest for Real Estate Agents in Chula Vista? (FAQ)
- Booster Seat Ratings (iihs.org)
- Child Safety FAQ (iihs.org)
- Tread Depth and Tire Safety (State Farm)
- Teen Driving Statistics (iihs.org)