It’s an obvious assumption that car insurance companies want to keep you from comparing rates. Drivers who compare other prices are likely to buy a different policy because there is a high probability of finding a more affordable policy. A recent car insurance study revealed that people who regularly compared rates saved approximately $865 a year compared to policyholders who don’t regularly compare prices.
If finding the best rates on Kia Sportage insurance is the reason you’re reading this, learning how to quote and compare cheaper coverage can help you be more efficient.
If you want to save the most money, the best way to find affordable auto insurance rates is to compare quotes once a year from companies in Albuquerque. You can shop around by following these steps.
First, spend some time learning about how companies set rates and the modifications you can make to keep rates down. Many factors that cause high rates such as traffic citations, accidents, and a negative credit history can be remedied by paying attention to minor details.
Second, compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from a single company like GEICO and State Farm, while independent agencies can give you price quotes from many different companies.
Third, compare the new quotes to your current policy to see if a cheaper rate is available. If you find better rates and change companies, make sure there is no coverage gap between policies.
Fourth, give notification to your agent or company to cancel your existing policy. Submit a down payment along with a completed application to the new insurer. Immediately keep your new proof of insurance paperwork in an easily accessible location.
A good tip to remember is to compare identical deductibles and limits on every quote request and and to get prices from as many different insurance providers as possible. This enables a fair price comparison and a complete selection of prices.
Companies offering Kia Sportage insurance in New Mexico
The companies shown below are ready to provide price quotes in Albuquerque, NM. If you want to find cheap car insurance in New Mexico, we suggest you visit as many as you can to get a more complete price comparison.
Rates and statistics
The rate information displayed next showcases a range of insurance policy prices for Kia Sportage models. Being more informed about how car insurance premiums are determined can assist in making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $234 | $404 | $328 | $20 | $98 | $1,084 | $90 |
| Sportage LX 2WD 4-Dr | $234 | $404 | $328 | $20 | $98 | $1,084 | $90 |
| Sportage EX 2WD 4-Dr | $268 | $490 | $328 | $20 | $98 | $1,204 | $100 |
| Sportage LX 4WD 4-Dr | $268 | $490 | $328 | $20 | $98 | $1,204 | $100 |
| Sportage LX | $268 | $490 | $328 | $20 | $98 | $1,204 | $100 |
| Sportage EX 4WD 4-Dr | $268 | $490 | $328 | $20 | $98 | $1,204 | $100 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New Mexico minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Table data does not factor in specific Albuquerque garaging location which can affect auto insurance rates greatly.
Policy deductibles
When buying auto insurance, a common question is how high should the deductibles for physical damage be. The data tables below may aid in understanding the rate fluctuation when you choose different comp and collision deductibles. The first rate estimation uses a $100 physical damage deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $242 | $412 | $322 | $20 | $96 | $1,117 | $93 |
| Sportage LX 2WD 4-Dr | $242 | $412 | $322 | $20 | $96 | $1,117 | $93 |
| Sportage EX 2WD 4-Dr | $278 | $500 | $322 | $20 | $96 | $1,241 | $103 |
| Sportage LX 4WD 4-Dr | $278 | $500 | $322 | $20 | $96 | $1,241 | $103 |
| Sportage LX | $278 | $500 | $322 | $20 | $96 | $1,241 | $103 |
| Sportage EX 4WD 4-Dr | $278 | $500 | $322 | $20 | $96 | $1,241 | $103 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $176 | $278 | $322 | $20 | $96 | $892 | $74 |
| Sportage LX 2WD 4-Dr | $176 | $278 | $322 | $20 | $96 | $892 | $74 |
| Sportage EX 2WD 4-Dr | $202 | $338 | $322 | $20 | $96 | $978 | $82 |
| Sportage LX 4WD 4-Dr | $202 | $338 | $322 | $20 | $96 | $978 | $82 |
| Sportage LX | $202 | $338 | $322 | $20 | $96 | $978 | $82 |
| Sportage EX 4WD 4-Dr | $202 | $338 | $322 | $20 | $96 | $978 | $82 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Mexico minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in the specific area where the vehicle is garaged which can increase or decrease rates significantly.
We can derive from the above data that using a $100 deductible will cost you roughly $21 more each month or $252 a year than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 19 months between claim filings, you would save money by going with a higher deductible.
Male drivers compared to female drivers in Albuquerque
The example below shows the comparison of Kia Sportage insurance prices for male and female drivers. The information is based on no claims or violations, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are factored in.
Should you buy full coverage?
The diagram below illustrates the comparison of Kia Sportage insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no claims or driving violations, $100 deductibles, single status, and no policy discounts are applied.
Guidelines for dropping full coverage
There is no exact rule to delete full coverage on your policy, but there is a general school of thought. If the annual cost of coverage is 10% or more of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Kia Sportage settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $6,000 after the policy deductible has been paid. If you are paying more than $600 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are some circumstances where dropping full coverage is not recommended. If you haven’t satisfied your loan, you are required to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not opt for liability only.
Kia Sportage Insurance Costs Can Be More Affordable
Consumers need to have an understanding of some of the factors that aid in calculating your insurance rates. If you have some idea of what impacts premium levels, this allows you to make educated decisions that can help you get big savings.
- Do you know you’re credit rating? – Your credit score factor in your rate calculation. If your credit rating is lower than you’d like, you could pay less to insure your Kia Sportage by improving your credit score. Drivers with good credit tend to file fewer claims than drivers who have lower credit scores.
- Your stress level may be raising your rates – Did you know your career choice can influence rates? Occupations like military personnel, airline pilots, and medical professionals have higher premium rates due to stressful work requirements and long work days. On the other hand, occupations such as farmers, athletes and homemakers receive lower rates.
- Cheaper rates for being claim-free – Auto insurance companies in New Mexico generally give the lowest premiums to drivers who file claims infrequently. If you’re an insured who likes to file claims you can expect either higher rates or even cancellation. Insurance coverage is meant to be used in the event of more catastrophic claims.
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Age of drivers – More mature drivers have been proven to be more responsible, cause fewer claims and accidents, and receive fewer citations. Teen drivers are statistically proven to be careless and easily distracted when at the wheel of a vehicle so they pay higher insurance rates.
The data below uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.
- Single drivers may get higher costs – Having a significant other can actually save you money on your insurance bill. It translates into being more responsible and statistics show married couples file fewer claims.
- Higher premiums for coverage lapses – Letting your insurance expire is a guaranteed way to drive up your policy premiums. And not only will your rates increase, being ticketed for driving with no insurance will get you a revoked license or a big fine. You may need to file a SR-22 with the New Mexico department of motor vehicles.
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Loss statistics for a Kia Sportage – Car insurance companies take into consideration historical loss data for every vehicle to help determine the rate you pay. Models that the data shows to have increased claim numbers or amounts will cost more to insure.
The data below shows the collected loss data for Kia Sportage vehicles. For each type of coverage, the claim amount for all vehicles, regardless of make, model or trim level, is equal to 100. Values below 100 imply a favorable loss record, while values that are above 100 point to more losses or an increased likelihood of larger losses.
Kia Sportage Insurance Loss 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 BETTERAVERAGEWORSEStatistics from IIHS.org for 2013-2015 Model Years
Take policy discounts and save on Kia Sportage insurance in Albuquerque
Insuring your vehicles can cost a lot, but you might find some hidden discounts that can help lower your rates. Certain reductions will be credited at the time you complete a quote, but once in a while a discount must be asked about before you get the savings.
- ABS Braking Discount – Vehicles that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more on Sportage insurance in Albuquerque.
- Buy New and Save – Buying a new car model can cost up to 25% less because new model year vehicles have to meet stringent safety requirements.
- No Charge for an Accident – This one is not really a discount per se, but some insurance companies will allow you to have one accident without raising rates so long as you are claim-free prior to the accident.
- Defensive Driver Discounts – Taking time to complete a course teaching safe driver skills is a good idea and can lower rates and easily pay for the cost of the class.
- E-sign – A few larger online companies may give you up to $50 just for signing your application online.
- Discount for Good Grades – This discount may save as much as 25% on a Albuquerque auto insurance quote. Most companies allow this discount until age 25.
Don’t be shocked that most discounts do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates you can get free auto insurance, company stockholders wouldn’t be very happy.
The example below shows the difference between Kia Sportage insurance costs with and without discounts applied to the rates. Data assumes a female driver, no claims, a clean driving record, New Mexico state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, multi-policy, homeowner, and safe-driver discounts applied.
Popular insurance companies and a partial list of their discounts are included below.
- State Farm has savings for defensive driving training, multiple autos, safe vehicle, driver’s education, accident-free, and student away at school.
- Progressive may have discounts that include continuous coverage, homeowner, multi-policy, online signing, online quote discount, and multi-vehicle.
- Travelers includes discounts for save driver, payment discounts, early quote, multi-car, continuous insurance, and home ownership.
- American Family has discounts for Steer into Savings, good driver, mySafetyValet, TimeAway discount, accident-free, early bird, and good student.
- Liberty Mutual offers discounts for new vehicle discount, newly retired, exclusive group savings, newly married, teen driver discount, preferred payment discount, and new graduate.
If you want affordable Kia Sportage insurance quotes, ask every insurance company which credits you are entitled to. Some discounts may not apply to policies everywhere. If you would like to choose from a list of insurance companies that offer multiple discounts in Albuquerque, follow this link.
Neighborhood Albuquerque auto insurance agents
Many people would rather visit with an insurance agent and that is OK! Most agents are trained risk managers and help file insurance claims. The best thing about comparing insurance prices online is the fact that you can find cheap rate quotes and still buy from a local agent. Buying insurance from local insurance agencies is important particularly in Albuquerque.
To help locate an agent, after submitting this quick form, your insurance coverage information is emailed to participating agents in Albuquerque who will give you bids for your insurance coverage. You don’t have to leave your computer since price quotes are sent straight to your inbox. If you wish to get a comparison quote from a specific insurance company, feel free to search and find their rate quote page and fill out the quote form the provide.
When looking for local Albuquerque agents, you must know there are a couple types of agencies and how they can quote your rates. Insurance agents in Albuquerque are classified as either exclusive or independent agents depending on their company appointments. Both properly insure your vehicles, but it’s worth learning the differences since it can impact the type of agent you choose.
Independent Insurance Agents
Independent agencies do not write with just one company so they can write business with an assortment of companies and help determine which has the cheapest rates. If you want to switch companies, the agent simply finds a different carrier and you can keep the same agent. If you need lower rates, you will definitely want to compare quotes from several independent insurance agents for maximum quote selection.
Listed below is a short list of independent agencies in Albuquerque who may provide comparison quotes.
Berger Briggs Real Estate and Insurance Inc
4333 Pan American Fwy – Albuquerque, NM 87107 – (505) 247-0444 – View Map
Menicucci Insurance Llc
2116 Vista Oeste NW Bldg 5 – Albuquerque, NM 87120 – (505) 883-3683 – View Map
Cress Insurance
6101 Moon St NE #1000 – Albuquerque, NM 87111 – (505) 822-8114 – View Map
Exclusive Agents
Exclusive agents can only write with one company like Allstate, Farmers Insurance or State Farm. Exclusive agents are unable to provide rate quotes from other companies so you might not find the best rates. Exclusive agents are usually well trained on their products and sales techniques and that enables them to sell even at higher rates.
Below is a list of exclusive agencies in Albuquerque who can help you get price quotes.
Allstate Insurance: Valerie Muldez
8101 San Pedro Dr NE, Ste C1 – Albuquerque, NM 87113 – (505) 881-5056 – View Map
Stephanie Valdez – State Farm Insurance Agent
5921 Lomas Blvd NE a – Albuquerque, NM 87110 – (505) 255-8676 – View Map
Rick Paul – State Farm Insurance Agent
1111 Alameda Blvd NW – Albuquerque, NM 87114 – (505) 898-2356 – View Map
Picking the best auto insurance agent shouldn’t rely on just the premium amount. These are some questions you should get answers to.
- Do they assist clients in filing claims?
- Do they reduce claim amounts on high mileage vehicles?
- How long has their agency been open in Albuquerque?
- Will a damage claim use OEM or aftermarket replacement parts?
- If you have an accident, will your rates go up?
- Are they paid to recommend certain coverages?
- Is auto insurance their primary focus in Albuquerque?
Best car insurance company in Albuquerque
Ending up with the best insurer can be difficult considering how many companies sell insurance in Albuquerque. The information displayed below can help you choose which providers you want to consider when shopping your coverage around.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Insurance agents can help
When buying insurance from an agent or online for your vehicles, there really isn’t a “best” method to buy coverage. Everyone’s situation is a little different and your car insurance should be unique as well.
Here are some questions about coverages that might help in determining if you will benefit from professional help.
- Can I make deliveries for my home business?
- Are my friends covered when driving my car?
- Is there coverage for injuries to my pets?
- I have a DUI can I still get coverage?
- Should I carry comprehensive and collision coverage?
- Does coverage extend to a rental car in a foreign country?
- Am I better off with higher deductibles on my Kia Sportage?
- Will damage be repaired with OEM parts?
If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.
Affordable car insurance premiums are possible
When buying insurance coverage, do not buy poor coverage just to save money. Too many times, consumers will sacrifice collision coverage and found out when filing a claim that it was a big mistake. Your goal should be to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.
We just showed you some good ideas how you can shop for Kia Sportage insurance online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting inexpensive Albuquerque auto insurance quotes. Drivers may even discover the best premium rates are with some of the lesser-known companies. These companies can often insure niche markets at a lower cost compared to the large companies like Allstate, GEICO and Progressive.
Additional car insurance information is located below:
- Vehicle Safety Ratings (iihs.org)
- Who Has the Cheapest Albuquerque Auto Insurance for Seniors? (FAQ)
- Help Your Teen Be a Better Driver (State Farm)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Where can I buy Insurance? (Insurance Information Institute)
- Alcohol Impaired Driving FAQ (iihs.org)