Discount Kia Sportage insuranceAre you drained from sacrificing other expenses to keep your car insured? You have the same problem as the majority of other vehicle owners in Colorado.

Unimaginable but true, the vast majority of drivers kept their policy with the same company for over three years, and approximately 40% of consumers have never compared rates to find cheaper insurance. Most drivers in Denver could cut their rates by roughly $610 a year just by getting comparison quotes, but they don't want to spend time to find cheaper insurance by shopping around. Multiple insurers compete for your business, so it's not easy to compare every provider to find the lowest price on Kia Sportage insurance in Denver.

It's a good habit to check auto insurance prices on a regular basis because prices change regularly. Just because you had the best deal on Kia Sportage insurance in Denver last year you will most likely find a better premium rate today. Forget all the misinformation about auto insurance because you're going to get a crash course in one of the best ways to save money, get proper coverage and the best rates.

Cheap companies for Kia Sportage insurance in Colorado

The providers in the list below can provide price quotes in Denver, CO. If several companies are displayed, we suggest you get price quotes from several of them to get a more complete price comparison.

Kia Sportage Insurance Rates in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $252 $506 $456 $28 $136 $1,378 $115
Sportage LX 2WD 4-Dr $214 $372 $474 $28 $142 $1,230 $103
Sportage EX 2WD 4-Dr $172 $314 $338 $20 $100 $944 $79
Sportage LX 4WD 4-Dr $234 $448 $368 $22 $110 $1,182 $99
Sportage LX $276 $502 $362 $22 $108 $1,270 $106
Sportage EX 4WD 4-Dr $164 $330 $426 $26 $128 $1,074 $90
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Estimates do not factor in vehicle garaging location which can revise insurance rates considerably.

Raise deductibles and save

The hardest decision when buying coverage is where should you set your physical damage deductibles. The following tables can help illustrate the rate difference when you select higher and lower physical damage deductibles. The first rate comparisons uses a $100 physical damage coverage deductible and the second price grid uses a $1,000 deductible.

Kia Sportage insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $264 $448 $352 $20 $106 $1,215 $101
Sportage LX 2WD 4-Dr $264 $448 $352 $20 $106 $1,215 $101
Sportage EX 2WD 4-Dr $302 $546 $352 $20 $106 $1,351 $113
Sportage LX 4WD 4-Dr $302 $546 $352 $20 $106 $1,351 $113
Sportage LX $302 $546 $352 $20 $106 $1,351 $113
Sportage EX 4WD 4-Dr $302 $546 $352 $20 $106 $1,351 $113
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Kia Sportage insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $146 $236 $352 $20 $106 $860 $72
Sportage LX 2WD 4-Dr $146 $236 $352 $20 $106 $860 $72
Sportage EX 2WD 4-Dr $168 $288 $352 $20 $106 $934 $78
Sportage LX 4WD 4-Dr $168 $288 $352 $20 $106 $934 $78
Sportage LX $168 $288 $352 $20 $106 $934 $78
Sportage EX 4WD 4-Dr $168 $288 $352 $20 $106 $934 $78
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Rates do not factor in vehicle garaging location which can modify coverage prices substantially.

We can estimate from the data above that using a $100 deductible would cost the average driver about $33 more each month or $396 a year than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 27 months between claim filings, you would most likely save money if you elect the higher deductible. The table below shows a better example of how this determination is made.

Average monthly premium for $100 deductibles: $109
Average monthly premium for $1,000 deductibles (subtract): - $76
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

Comparison of auto insurance rates by gender

The diagram below visualizes the comparison of Kia Sportage premium costs for male and female drivers. The price estimates are based on no violations or accidents, full physical damage coverage, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

Rate comparison of full coverage and liability-only

The illustration below visualizes the comparison of Kia Sportage insurance costs with full coverage and liability only. The data is based on no accidents or driving violations, $250 deductibles, married female driver, and no discounts are applied.

Should you pay for full coverage?

There is no definitive guideline of when to drop full coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

For example, let's pretend your Kia Sportage book value is $9,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $8,000 after paying your policy deductible. If it's costing in excess of $800 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are some conditions where dropping full coverage is not financially feasible. If you still owe money on your vehicle, you have to maintain full 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 opt for liability only.

Five factors that influence insurance prices

A large part of saving on car insurance is knowing some of the factors that are used to determine your car insurance rates. If you know what controls the rates you pay, this allows you to make good choices that can earn you better car insurance rates. Many factors are taken into consideration when premium rates are determined. Some are pretty understandable such as your driving history, but other criteria are more obscure like your vehicle usage or your financial responsibility.

Shown below are some of the most common factors used by your company to calculate your premiums.

Lower performance equals lower insurance prices - The make and model of the vehicle you are trying to find cheaper insurance for makes a substantial difference in your car insurance bill. The lowest base rates are usually for smaller low performance passenger models, but there are many factors that impact the final cost. Since the Kia Sportage is considered a crossover, insuring your vehicle will cost slightly more than the average rate where you live in Denver.

Multiple policies with one company can save - Some insurance companies afford a discount to customers who have multiple policies with them in the form of a multi-policy discount. The discount can add up to ten percent or more. Even though this discount sounds good, it's always a smart idea to get quotes from other companies to help ensure you have the lowest rates.

Get better rates if married - Your spouse may earn you lower rates when buying car insurance. Having a significant other is viewed as being more mature than a single person and insurance companies like that being married results in fewer claims.

Employer stress can affect premiums - Careers like military personnel, airline pilots, and miners generally pay higher premium rates due to intense work-related stress and incredibly demanding work hours. On the other hand, professions such as scientists, athletes and homemakers have lower than average premiums.

Accidents can be expensive - Having a clean driving record impacts premiums far more than you think. Good drivers pay less for auto insurance as compared to careless drivers. Even one speeding ticket or other violation may cause rates to rise by as much as twenty percent. Drivers who get flagrant violations like DUI or reckless driving may find they need to complete a SR-22 with their state's department of motor vehicles in order to prevent their license from being revoked.

Insurance loss statistics a Kia Sportage - Insurers analyze historical claim data to calculate a price that will offset losses. Vehicles that the data determines to have higher claim amounts or frequency will cost more for specific coverages.

The next table shows the historical loss data for Kia Sportage vehicles. For each policy coverage type, the claim probability for all vehicles, as an average, is equal to 100. Values that are below 100 indicate better than average losses, while numbers above 100 point to more frequent losses or an increased chance of larger losses than average.

Kia Sportage Insurance Claim Statistics

Vehicle 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto insurance discounts help lower rates for Kia Sportage insurance in Denver

Buying auto insurance is not cheap, but you may find discounts that you may not even know about. Some discounts apply automatically at quote time, but some need to be asked for in order for you to get them. If you do not double check each discount available, you're just leaving money on the table.Save money with discounts

Drivers should understand that most discounts do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like you can get free auto insurance, it's just not the way it works.

Large auto insurance companies and the discounts they provide are outlined below.

Before you buy a policy, ask all companies you are considering how many discounts you can get. Some discounts may not apply to policyholders in Denver. To find providers that can offer you the previously mentioned discounts in Denver, follow this link.

When to talk to a local insurance agent

Many drivers would rather buy from a local agent and often times that is recommended Insurance agents can point out coverage gaps and help file insurance claims. The best thing about comparing insurance online is the fact that you can find the best rates and still have an agent to talk to.

Insurance agents in DenverAfter completing this form (opens in new window), the coverage information is emailed to insurance agents in Denver who will gladly provide quotes to get your business. You never need to visit any agencies due to the fact that quote results will go directly to you. In the event you want to compare rates from one company in particular, feel free to navigate to their website and give them your coverage information.

Choosing a provider should depend on more than just the quoted price. Here are some questions to ask:

Types of auto insurance agents

If you would like to find a local Denver insurance agent, it can be helpful to understand the types of insurance agents and how they differ in how they can insure your vehicles. Insurance agencies in Denver are categorized either independent agents or exclusive agents depending on their employer. Either one can do a good job, but it is important to understand how they differ since it can affect the kind of agent you use.

Exclusive Insurance Agents

Exclusive insurance agents can only provide one company's prices like Allstate, Farmers Insurance or State Farm. Exclusive agents cannot give you multiple price quotes so they have to upsell other benefits. Exclusive insurance agents are very knowledgeable on what they offer and that allows them to sell at a higher price point.

Shown below are exclusive insurance agents in Denver who may provide you with price quote information.

6200 E Yale Ave - Denver, CO 80222 - (303) 788-0777 - View Map

1855 S Pearl St Ste 100 - Denver, CO 80210 - (303) 862-4579 - View Map

Tammy Hill - State Farm Insurance Agent
4650 Tower Rd Unit 101 - Denver, CO 80249 - (303) 373-9500 - View Map

More insurance agents

Independent Agents (or Brokers)

These type of agents do not write with just one company so they can quote policies amongst many companies and find the cheapest insurance rates. If you are not satisfied with one company, they simply switch companies in-house and you don't have to do anything.

When comparing insurance rates, we recommend you contact at a minimum one independent agency in order to compare the most rates.

Listed below is a list of independent agents in Denver who can help you get price quotes.

1777 W 38th Ave #102 - Denver, CO 80211 - (303) 477-0505 - View Map

8055 E Tufts Ave #1000 - Denver, CO 80237 - (303) 824-6600 - View Map

100 Fillmore St - Denver, CO 80206 - (720) 209-4598 - View Map

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What is the best auto insurance coverage?

When buying the best auto insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Everyone's needs are different so your insurance needs to address that.Safe vehicles cost less to insure For example, these questions may help highlight if your situation would benefit from professional advice.

If you don't know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don't have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It's fast, free and can provide invaluable advice.

Cheaper car insurance premiums are possible

Some insurance providers may not offer online quoting and usually these regional carriers only sell through local independent agents. Discount Kia Sportage insurance is definitely available both online as well as from insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.

When searching for affordable Denver car insurance quotes, make sure you don't reduce coverage to reduce premium. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to regret at claim time they didn't have enough coverage. The goal is to buy a smart amount of coverage at the best possible price while not skimping on critical coverages.

Much more information about car insurance in Colorado is located at these links: