Really, the only way to get discount Kia Sportage insurance is to start comparing rates regularly from different companies who sell insurance in Toledo.
- Spend a few minutes and learn about how insurance works and the measures you can take to prevent expensive coverage. Many factors that are responsible for high rates such as getting speeding tickets and a poor credit score can be controlled by making minor driving habit or lifestyle changes. This article gives additional tips to prevent rate hikes and get discounts that may be overlooked.
- Compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from a single company like Progressive or State Farm, while independent agents can quote prices from multiple companies. Find a Toledo insurance agent
- Compare the new quotes to the price on your current policy to see if a cheaper price is available. If you find a better price and decide to switch, ensure coverage does not lapse between policies.
- Provide notification to your current agent or company of your decision to cancel your current coverage and submit payment along with a signed and completed policy application to your new company or agent. When you receive it, keep your new proof of insurance paperwork in an easily accessible location in your vehicle.
One thing to remember is that you’ll want to compare similar coverage information on every quote request and and to get price quotes from as many auto insurance providers as possible. Doing this helps ensure an accurate price comparison and a complete price analysis.
A recent auto insurance study revealed that a large majority of consumers have remained with the same auto insurance company for more than four years, and almost half have never compared rates to find cheap insurance. U.S. drivers could save up to $860 every year by just comparing rate quotes, but they just don’t understand the rate savings if they just switched companies.
Locating the most cost-effective car insurance policy in Toledo is quite easy. If you have a current car insurance policy, you will be able to shop for the lowest rates using the following tips. Although Ohio vehicle owners do need to know the methods companies use to determine prices and take advantage of how the system works.
When comparing auto insurance rates, know that having more price comparisons will enable you to find the best price. Some companies don’t provide online Toledo Sportage insurance quotes, so you need to compare quotes from the smaller companies as well.
The companies shown below offer price comparisons in Ohio. In order to find cheap car insurance in OH, we suggest you visit two to three different companies in order to get a fair rate comparison.
Score discounts on Toledo auto insurance
Companies offering auto insurance don’t always advertise all possible discounts very well, so the below list has both the well known as well as the least known discounts that you may qualify for. If you’re not getting every credit possible, you could be getting lower rates.
- Government Employee Discount – Employees or retirees of the government could provide a small rate reduction depending on your company.
- ABS Braking Discount – Cars with ABS and/or traction control can reduce accidents and will save you 10% or more on Sportage insurance in Toledo.
- Good Students Pay Less – Excelling in school can save 20 to 25%. The discount lasts until age 25.
- New Vehicle Savings – Insuring a new Sportage can save you some money because newer vehicles have to meet stringent safety requirements.
- Telematics Devices – Toledo drivers who agree to allow driving data collection to study their driving habits by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they exhibit good driving behavior.
- Discount for Passive Restraints – Cars that have air bags or motorized seat belts can qualify for discounts as much as 30%.
- Pay Early and Save – By paying your policy upfront instead of monthly or quarterly installments you can avoid the installment charge.
- Homeowners Savings – Being a homeowner can get you a discount because it requires personal responsibility.
- Discount for Multiple Policies – If you combine your auto and homeowners policies with one insurance company you may save at least 10 to 15 percent or more.
- Discounts for Good Drivers – Safe drivers can save as much as half off their rates compared to rates paid by drivers with frequent claims.
Consumers should know that most discounts do not apply to all coverage premiums. Most cut the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.
The illustration below illustrates the difference between Kia Sportage insurance prices with and without discounts applied to the premium. The rate quotes are based on a male driver, no claims, a clean driving record, Ohio state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, marriage, claim-free, multi-car, and safe-driver discounts applied.
Auto insurance companies that may include most of the discounts above are:
Before buying, ask each insurance company which discounts you may be entitled to. A few discounts may not be available in your area.
Kia Sportage detailed coverage information
The rate table displayed below showcases detailed analysis of insurance prices for Kia Sportage models. Learning more about how insurance policy rates are established can help you make decisions on which coverage to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sportage LX 2WD 4-Dr||$72||$126||$214||$12||$64||$488||$41|
|Sportage LX 2WD 4-Dr||$72||$126||$214||$12||$64||$488||$41|
|Sportage EX 2WD 4-Dr||$84||$154||$214||$12||$64||$528||$44|
|Sportage LX 4WD 4-Dr||$84||$154||$214||$12||$64||$528||$44|
|Sportage EX 4WD 4-Dr||$84||$154||$214||$12||$64||$528||$44|
|Get Your Own Custom Quote Go|
Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rates do not factor in your specific Toledo location which can increase or decrease premium rates significantly.
Cautious Toledo drivers save money
The diagram below illustrates how traffic citations and fender-benders influence Kia Sportage annual premium costs for different ages of insureds. The data is based on a married male driver, full coverage, $500 deductibles, and no other discounts are factored in.
Full coverage versus liability only rates
The information below illustrates the comparison of Kia Sportage car insurance rates with and without full coverage. The price estimates are based on no tickets, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are factored in.
Guidelines for dropping full coverage
There is no specific rule that is best for determining when to drop physical damage coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let’s say your Kia Sportage book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $8,000 after the policy deductible has been paid. If you are currently paying more than $800 a year for your policy with full coverage, then it might be time to consider dropping full coverage.
There are a few cases where removing full coverage is not recommended. If you still owe money on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not opt for liability only.
Can’t I compare rate quotes from local Toledo auto insurance agents?
A lot of people would rather have an agent’s advice and doing so can bring peace of mind One of the benefits of comparing car insurance online is the fact that you can find cheap car insurance quotes but still work with a licensed agent.
After filling out this short form, the quote information is transmitted to insurance agents in Toledo who can give free rate quotes and help you find cheaper coverage. It’s much easier because you don’t need to contact any insurance agencies because quoted prices will be sent to you instantly. Get lower rates without a big time investment. In the event you want to compare prices from a specific car insurance provider, just jump over to their website and fill out their quote form.
Picking an provider requires you to look at more than just the premium amount. These are some valid questions you should ask.
- How long has their agency been in business in Toledo?
- Will they take your side in the event of a claim?
- Can glass repairs be made at your home?
- How long have they worked with personal auto insurance coverage?
- Do they review policy coverages at every renewal?
- Are there any discounts that you might be missing?
- Are there any hidden costs in their price quote and does it include driving and credit history?
If you want a local Toledo insurance agent, it can be helpful to understand the types of agencies to choose from. Toledo agents can be described as either independent agents or exclusive agents depending on their employer.
These agents have only one company to place business with and examples are AAA, Allstate, and State Farm. These agents are not able to shop your coverage around so keep that in mind. Exclusive agents are usually quite knowledgeable on the products they sell which helps overcome the inability to quote other rates.
Below is a short list of exclusive agencies in Toledo willing to provide rate quotes.
Independent Agencies or Brokers
Agents that choose to be independent are appointed with more than one company so they have the ability to put coverage through many companies and find you cheaper rates. To move your coverage to a new company, the agent simply finds a different carrier which is easy for the insured.
If you are comparing car insurance prices, you absolutely need to get several quotes from a few independent agents to have the best price comparison.
Listed below are independent insurance agencies in Toledo who can help you get comparison quotes.
When should I discuss my situation with an agent?
When buying proper insurance coverage, there really is no “best” method to buy coverage. Every insured’s situation is different.
For instance, these questions can help discover if your insurance needs will benefit from professional help.
- Are my company tools covered if they get stolen?
- If my pet gets injured in an accident are they covered?
- Does car insurance cover theft of personal property?
- Is coverage enough to protect my assets?
- How much can I save by bundling my policies?
- Is my teenager covered with friends in the car?
- Am I covered when driving in Canada or Mexico?
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, simply complete this short form.
Why you need Kia vehicle insurance in Ohio
Despite the high cost of buying insurance for a Kia Sportage in Toledo, insuring your vehicle is required by state law in Ohio and it also provides benefits you may not be aware of.
- Almost all states have mandatory insurance requirements which means state laws require a minimum amount of liability insurance coverage if you don’t want to risk a ticket. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Sportage has a loan, it’s guaranteed your bank will stipulate that you have physical damage coverage to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the lender will be forced to insure your Kia at a much higher rate and require you to reimburse them much more than you were paying before.
- Auto insurance preserves your Kia and your assets. It will also reimburse you for medical bills for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses in the event you are sued. If you have damage to your Kia as the result of the weather or an accident, collision and comprehensive coverages will cover the repair costs.
The benefits of having auto insurance more than cancel out the cost, especially for larger claims. The average driver in America overpays more than $865 each year so compare rates every year to save money.
Auto insurance coverage specifics
Learning about specific coverages of your auto insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.
Uninsured Motorist or Underinsured Motorist insurance – This gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Kia Sportage.
Due to the fact that many Ohio drivers only purchase the least amount of liability that is required (Ohio limits are 25/50/25), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.
Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.
Collision insurance covers things such as damaging your car on a curb, driving through your garage door, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible on your Sportage in order to get cheaper collision rates.
Insurance for medical payments – Coverage for medical payments and/or PIP kick in for short-term medical expenses such as doctor visits, pain medications, ambulance fees and X-ray expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage
Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like a tree branch falling on your vehicle, vandalism and falling objects. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Liability – This can cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability insurance covers things like bail bonds, repair costs for stationary objects, attorney fees, pain and suffering and legal defense fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford. Ohio state law requires minimum liability limits of 25/50/25 but you should consider buying higher limits.
The next chart shows why the minimum limit may not be high enough to adequately cover claims.
Cheaper car insurance rates are available
When trying to cut insurance costs, it’s very important that you do not sacrifice coverage to reduce premiums. In many instances, drivers have reduced full coverage only to regret at claim time they didn’t purchase enough coverage. The goal is to find the BEST coverage at the best price, but do not skimp to save money.
More affordable car insurance in Toledo is attainable both online and from local insurance agents, so you need to shop Toledo auto insurance with both to have the best chance of lowering rates. Some companies do not provide rate quotes online and most of the time these regional insurance providers only sell through local independent agencies.
Consumers switch companies for many reasons like being labeled a high risk driver, lack of trust in their agent, an unsatisfactory settlement offer and even unfair underwriting practices. Regardless of your reason, finding a great new company is less work than it seems.
To learn more, take a look at the following helpful articles:
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance Rates for College Graduates in Toledo? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Drivers with a Bad Driving Record in Toledo? (FAQ)
- Who Has Affordable Toledo Car Insurance for Drivers with Accidents? (FAQ)
- Who Has Affordable Toledo Auto Insurance Rates for Drivers with Bad Credit? (FAQ)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Auto Theft Statistics (Insurance Information Institute)