Truthfully, the best way to get affordable Kia Sportage insurance in Fresno is to regularly compare prices from providers in California. Drivers can shop around by following these guidelines.
First, get an understanding of auto insurance and the measures you can control to keep rates down. Many rating factors that increase rates like distracted driving and an unacceptable credit rating can be eliminated by making minor changes in your lifestyle. This article provides additional tips to help prevent expensive coverage and earn a bigger discount.
Second, compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like Progressive or State Farm, while independent agents can give you price quotes from many different companies.
Third, compare the new quotes to your existing rates to see if switching to a new carrier will save money. If you can save some money and switch companies, make sure there is no lapse in coverage.
Fourth, tell your current company of your intent to cancel your current car insurance policy and submit a completed policy application and payment for the new policy. Immediately keep the new certificate verifying coverage in your glove compartment.
A good piece of advice is to use the same amount of coverage on each price quote and and to compare as many auto insurance providers as possible. Doing this guarantees a level playing field and the best price selection.
It’s a known fact that car insurance companies don’t want policyholders to shop around. Drivers who shop around are likely to buy a new policy because the odds are good of finding more affordable rates. A recent insurance study revealed that people who routinely compared quotes saved about $70 a month as compared to drivers who didn’t regularly shop around.
If finding the cheapest price for Kia Sportage insurance is why you’re reading this, then learning a little about how to choose a company and compare insurance can make the process more efficient.
Finding affordable auto insurance coverage in Fresno is really quite easy. If you are insured now, you will most likely be able to get lower rates using the concepts covered in this article. Consumers just have to know how to get comparison rates from many companies at once.
The auto insurance companies shown below are our best choices to provide free quotes in Fresno, CA. To locate the best cheap car insurance in Fresno, it’s a good idea that you compare several of them to get a more complete price comparison.
These discounts can lower your auto insurance quotes
Not many people think insurance is cheap, but there’s a good chance there are discounts that can help lower your rates. Certain discounts will be applied at the time of quoting, but some must be asked for prior to receiving the credit.
- Renewal Discounts – A few companies allow discounts for buying a policy prior to the expiration date on your current Sportage insurance policy. The savings is around 10%.
- Discount for Multiple Policies – If you combine your auto and home policies and insure them both with the same insurance company you could get a discount of over 10 percent off each policy depending on the company.
- Homeowners Savings – Simply owning a home can get you a discount because maintaining a house demonstrates responsibility.
- Pay Upfront and Save – If you pay your entire premium ahead of time rather than spreading payments over time you may reduce your total bill.
- Paperwork-free – A handful of companies may give you up to $50 for buying your policy digitally online.
- Multiple Vehicles – Buying coverage for all your vehicles on one policy can reduce rates for all insured vehicles.
- Discounts for New Vehicles – Adding a new car to your policy can save up to 30% compared to insuring an older model.
- Federal Employees – Federal government employees could provide a small rate reduction but check with your company.
- Good Grades Discount – Excelling in school may save you up to 25%. Many companies even apply the discount to college students up until you turn 25.
As is typical with insurance, some of the credits will not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as comp or med pay. Even though the math looks like you can get free auto insurance, you won’t be that lucky.
The information below illustrates the comparison of Kia Sportage car insurance rates with and without discounts applied. The price estimates are based on a male driver, a clean driving record, no at-fault accidents, California 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 multi-car, safe-driver, marriage, claim-free, homeowner, and multi-policy discounts applied.
Larger auto insurance companies and a selection of discounts are:
- American Family offers premium reductions for Steer into Savings, defensive driver, bundled insurance, good driver, good student, and multi-vehicle.
- State Farm includes discounts for accident-free, multiple policy, Steer Clear safe driver discount, anti-theft, passive restraint, safe vehicle, and driver’s education.
- 21st Century may offer discounts for automatic seat belts, air bags, driver training, 55 and older, good student, anti-lock brakes, and defensive driver.
- Travelers offers discounts for continuous insurance, early quote, save driver, new car, and student away at school.
- GEICO may have discounts that include daytime running lights, anti-lock brakes, seat belt use, good student, five-year accident-free, and federal employee.
It’s a good idea to ask all the companies which discounts you may be entitled to. Some discounts listed above might not be available to policyholders in your area. For a list of insurers with significant discounts in California, click here.
Rates and information analytics
The table below highlights different insurance policy prices for Kia Sportage models. Having a better understanding of how policy premiums are figured can help customers make informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $368 | $694 | $596 | $36 | $178 | $1,872 | $156 |
| Sportage LX 2WD 4-Dr | $368 | $694 | $596 | $36 | $178 | $1,872 | $156 |
| Sportage EX 2WD 4-Dr | $422 | $844 | $596 | $36 | $178 | $2,076 | $173 |
| Sportage LX 4WD 4-Dr | $422 | $844 | $596 | $36 | $178 | $2,076 | $173 |
| Sportage LX | $422 | $844 | $596 | $36 | $178 | $2,076 | $173 |
| Sportage EX 4WD 4-Dr | $422 | $844 | $596 | $36 | $178 | $2,076 | $173 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in your specific Fresno location which can modify prices substantially.
Where to set your deductibles
A question often asked by Fresno drivers is how high should your deductibles be. The data tables below help summarize the differences in premium rates when you choose different deductibles. The first rate estimation uses a $250 physical damage deductible and the second set of rates uses a $500 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 | $242 | $382 | $442 | $26 | $132 | $1,224 | $102 |
| Sportage LX 2WD 4-Dr | $242 | $382 | $442 | $26 | $132 | $1,224 | $102 |
| Sportage EX 2WD 4-Dr | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Sportage LX 4WD 4-Dr | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Sportage LX | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Sportage EX 4WD 4-Dr | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Estimates do not factor in the specific area where the vehicle is garaged which can influence price quotes noticeably.
Based on this data, we can arrive at the conclusion that using a $250 deductible costs roughly $16 more each month or $192 annually than requesting the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 16 months between claim filings, you would most likely save money if you choose a higher deductible.
How to calculate deductible break even point
| Average monthly premium for $250 deductibles: | $125 |
| Average monthly premium for $500 deductibles (subtract): | – $109 |
| Monthly savings from raising deductible: | $16 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $16 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 16 months |
One big caveat is that higher deductibles means you will have to pay more of your own money when you have a claim. You should have some savings in the bank in the event you need to pay the deductible.
Violations and accidents raise rates
The chart below highlights how speeding tickets and fender-benders influence Kia Sportage insurance costs for different age groups. The premiums are based on a single female driver, full coverage, $1,000 deductibles, and no discounts are factored in.
Should you buy full coverage?
The chart below shows the comparison of Kia Sportage insurance rates with full coverage compared to only the California minimum liability coverage. The premiums assume no tickets, no at-fault accidents, $100 deductibles, single marital status, and no discounts are taken into consideration.
Are you wasting money on full coverage?
There is no clear-cut formula that works best for making the decision to drop comp and collision coverage, but there is a guideline you can consider. If the annual cost of coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.
For example, let’s say your Kia Sportage replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $5,000 after the policy deductible has been paid. If it’s costing you more than $500 a year to have full coverage, then you may want to consider only buying liability coverage.
There are some situations where only buying liability is not recommended. If you still owe a portion of the original loan, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not opt for liability only.
Insurance Premium Influencing Factors
Lots of factors are taken into consideration when you quote your car insurance policy. A few of the factors are predictable like your driving record, but other criteria are less obvious like your vehicle usage or your vehicle rating.
- Alarms and GPS tracking lower auto insurance rates – Driving a car that has an advanced theft prevention system can save you some money. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop auto theft and help lower rates.
-
Gender is a factor – The statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. They both are responsible for fender benders at a similar rate, but the males tend to have more serious accidents. Men also receive more costly citations like reckless driving and DUI.
The illustration below shows the comparison of Kia Sportage insurance prices for male and female drivers. The price estimates are based on a clean driving record, no claims, comprehensive and collision coverage, $250 deductibles, marital status is single, and no discounts are applied to the premium.
- Continuous coverage saves money – Having a gap between insurance policy dates is a fast way to trigger a rate increase. Not only will you pay higher rates, getting caught without coverage might get you a steep fine or even jail time.
- Use one insurance company and save – Most major insurers will give discounts to buyers who consolidate policies with them. It’s known as a multi-policy discount. Even though this discount sounds good, consumers should still compare other company rates to verify if the discount is saving money. It’s possible to still find a better deal by buying insurance from more than one company.
- Save money by eliminating incidental coverages – Insurance companies have many additional coverages that sound like a good idea at the time if you aren’t diligent. Insurance for things like rental car reimbursement, better glass coverage, and term life insurance are examples of these. They may sound like good ideas when you first buy your policy, but now you might not need them so remove them from your policy.
- Liability protection limits are a factor – Your auto insurance policy’s liability coverage will provide protection if you are responsible for causing damage or personal injury in an accident. It will provide legal defense up to the limits shown on your policy. Liability insurance is pretty cheap as compared to coverage for physical damage, so buy as much as you can afford.
- Your stress level may be raising your prices – Did you know that where you work can have an impact on rates? Jobs such as fire fighters, air traffic controllers, and financial analysts generally pay the highest rates in part from high stress and extremely grueling work hours. On the other hand, jobs like actors, students and homemakers get better rates.
-
Teenage vs. mature drivers – Drivers with little experience are proven to be less responsible with other occupants in the car so they pay higher auto insurance rates. Mature drivers are proven to be safer behind the wheel, cost insurance companies less in claims, and receive fewer citations.
The next chart uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.
-
Claims statistics for a Kia Sportage – Car insurance companies analyze the history of losses as a way to help calculate a profitable premium rate. Models that have higher number or severity of losses will be charged more to insure.
The next table shows the historical loss data for Kia Sportage vehicles. For each policy coverage type, the claim probability for all vehicles, regardless of make, model or trim level, is considered to be 100. Values that are under 100 indicate a favorable loss history, while values over 100 point to more claims or an increased probability of a larger loss.
Kia Sportage Insurance Claim Statistics 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 BETTERAVERAGEWORSEStatistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Car insurance agents near you
A lot of people would rather get advice from a local agent. Good insurance agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of getting online price quotes is the fact that drivers can get better rates and also buy local.
By using this form (opens in new window), your insurance coverage information is submitted to participating agents in Fresno who will give competitive quotes for your insurance coverage. You never need to contact any agents as quotes are delivered straight to your inbox. If you want to get a comparison quote from one company in particular, feel free to navigate to their website and complete a quote there.
Choosing the best provider is decision based upon more than just a cheap price quote. These are some valid questions you should ask.
- Are there any discounts that you might be missing?
- Do they have any clout with companies to ensure a fair claim settlement?
- What company holds the largest book of business for them?
- Do they offer accident forgiveness?
- When do they do a full risk review?
Fresno car insurance agents are either independent or exclusive
When searching for a local Fresno insurance agency, you must know there are a couple different types of agencies and how they are distinctly different. Auto insurance agents in Fresno can be described as either independent agents or exclusive agents. Both can sell and service auto insurance coverage, but it’s good to learn the difference in how they write coverage because it can factor into buying decisions.
Exclusive Auto Insurance Agents
Agents of this type work for only one company and examples are Farmers Insurance and State Farm. These agents are unable to provide rate quotes from other companies so you might not find the best rates. They are highly trained in insurance sales which helps them sell insurance even at higher premiums. Many people purchase coverage from exclusives mostly because of the brand instead of buying on price only.
Shown below is a list of exclusive insurance agencies in Fresno that are able to give rate quotes.
- Wilson Wong – State Farm Insurance Agent
1341 W Bullard Ave #6 – Fresno, CA 93711 – (559) 438-0470 – View Map - Farmers Insurance – Belen Sanchez-Ceja
2155 N Fresno St #A – Fresno, CA 93703 – (559) 252-2345 – View Map - Tim Franz – State Farm Insurance Agent
5534 E Kings Canyon Rd – Fresno, CA 93727 – (559) 251-3777 – View Map
Independent Agents (or Brokers)
Agents that elect to be independent often have many company appointments and that is an advantage because they can write policies with many different companies and help determine which has the cheapest rates. If prices rise, your agent can just switch to a different company and you stay with the same agent.
When searching for an agent, you should always get rate quotes from at a minimum one independent agency so that you can do a thorough price comparison. Most have the option of insuring with smaller mutual companies which could offer lower prices.
The following is a short list of independent insurance agents in Fresno that can give you comparison quotes.
- Mc Carty Insurance Inc: Mc Carty Chad R
1625 Shaw Ave # 111 – Fresno, CA 93710 – (559) 324-1421 – View Map - New Horizon Insurance Services
325 Clovis Ave #114 – Clovis, CA 93612 – (559) 322-2525 – View Map - Pillar Insurance Partners, LLC
1477 E Shaw Ave #140 – Fresno, CA 93710 – (559) 436-6441 – View Map
Upon getting good feedback to these questions as well as affordable Kia Sportage insurance rates in Fresno quotes, it’s possible that you found an insurance agency that can properly insure your vehicles.
When to get professional advice
When quoting and comparing your policy for your vehicles, there really is not a perfect coverage plan. Every situation is different so your insurance needs to address that.
For example, these questions might point out if your insurance needs may require specific advice.
- How do I file an SR-22 for a DUI in California?
- Am I covered when delivering products for my home-based business?
- Do I need replacement cost coverage?
- Am I covered if hit by an uninsured driver?
- At what point should I drop full coverage?
- Will I be non-renewed for getting a DUI or other conviction?
- Exactly who is provided coverage by my policy?
- Do I have coverage for damage caused while driving under the influence?
- Do I benefit by insuring my home with the same company?
- Is pleasure use cheaper than using my Kia Sportage to commute?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.
Affordable insurance rates are out there
When you buy Fresno car insurance online, do not buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced liability limits or collision coverage only to regret that the savings was not a smart move. Your focus should be to get the best coverage possible at the best cost.
We just presented a lot of ways to get a better price on Kia Sportage insurance in Fresno. The key concept to understand is the more rate comparisons you have, the higher your chance of finding inexpensive Fresno car insurance quotes. You may even be surprised to find that the biggest savings come from the smaller companies. They may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate, GEICO and Progressive.
Affordable Kia Sportage insurance in Fresno is attainable from both online companies as well as from insurance agents, and you need to comparison shop both to have the best rate selection. A few companies may not have online quoting and many times these small, regional companies provide coverage only through local independent agents.
More learning opportunities
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- What Car Insurance is Cheapest for Lyft Drivers in Fresno? (FAQ)
- Who Has Affordable Auto Insurance for Good Students in Fresno? (FAQ)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Vehicle Insurance in the U.S. (Wikipedia)
- How to shop for a safer car (Insurance Institute for Highway Safety)