How to Save on Lubbock Kia Sportage Insurance

Shocking but true, 70% of consumers have purchased from the same company for four years or more, and almost half have never compared auto insurance rates at all. The average driver in the U.S. could pocket approximately 47% a year by just comparing quotes, but they don’t believe the large savings they would see if they just switched companies.

If you want to save the most money, the best way to get cheaper car insurance rates is to annually compare prices from companies in Lubbock.

First, learn about policy coverages and the measures you can control to prevent expensive coverage. Many factors that cause high rates like traffic violations and a poor credit score can be controlled by making small lifestyle or driving habit changes. Keep reading for the details to help prevent costly coverage and find discounts that may have been missed.

Second, compare prices from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from a single company like Progressive and State Farm, while agents who are independent can give you price quotes from multiple companies.

Third, compare the price quotes to your current policy premium and determine if there is any savings. If you can save some money and change companies, ensure there is no coverage lapse between policies.

The most important part of this process is to use similar deductibles and liability limits on each quote request and and to get rates from as many different companies as possible. This provides a fair price comparison and a complete selection of prices.

Locating the best rates in Lubbock is actually quite simple. If you’re already insured, you will most likely be able to save money using the ideas covered in this article. Vehicle owners just need to understand the most effective way to find the lowest price from many companies at once.

Do you qualify for discounts on Kia Sportage insurance in Lubbock?

Properly insuring your vehicles can get expensive, but you might find some hidden discounts that can drop the cost substantially. Some discounts apply automatically at the time of purchase, but once in a while a discount must be specially asked for before you get the savings.

• Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less compared to rates paid by drivers with frequent claims.
• Accident Waiver – This one isn’t a discount, but certain companies may permit one accident before your rates go up as long as you don’t have any claims before the accident.
• Driver Education Discount – Cut your cost by having your teen driver enroll and complete driver’s education in school.
• Distant College Student Discount – Kids living away from Lubbock attending college and leave their car at home may qualify for this discount.
• Good Students Pay Less – Being a good student could provide a savings of up to 20% or more. You can use this discount normally up until you turn 25.
• Bundle and Save – If you can bundle your auto and home insurance with one insurance company you may save approximately 10% to 15%.
• Federal Employees – Active or retired federal employment may reduce rates when you quote Lubbock auto insurance with some insurance companies.
• Theft Deterrent System – Anti-theft and alarm system equipped vehicles are stolen less frequently and will qualify for a discount on a Lubbock auto insurance quote.
• Senior Citizen Discount – Drivers that qualify as senior citizens may be able to get lower premium rates.
• Savings for New Vehicles – Insuring a new Sportage can save up to 30% due to better safety requirements for newer vehicles.

A little disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like comp or med pay. Even though it may seem like you could get a free insurance policy, that’s just not realistic. But all discounts will definitely lower the amount you pay for coverage.

The diagram below shows the difference between Kia Sportage yearly insurance costs with and without discounts being applied to the rates. The price estimates are based on a male driver, no claims or driving citations, Texas 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 multi-car, homeowner, claim-free, marriage, safe-driver, and multi-policy discounts applied.

Larger insurance companies and the discounts they provide are shown below.

• State Farm may have discounts that include multiple autos, driver’s education, defensive driving training, passive restraint, Drive Safe & Save, student away at school, and anti-theft.
• Nationwide offers discounts for multi-policy, good student, family plan, business or organization, easy pay, defensive driving, and Farm Bureau membership.
• GEICO may offer discounts for air bags, driver training, anti-lock brakes, five-year accident-free, daytime running lights, good student, and membership and employees.
• AAA policyholders can earn discounts including education and occupation, pay-in-full, AAA membership discount, good student, good driver, anti-theft, and multi-car.
• 21st Century offers premium reductions for theft prevention, defensive driver, teen driver, early bird, air bags, good student, and student driver.
• The Hartford includes discounts for driver training, anti-theft, good student, bundle, and air bag.

It’s a good idea to ask every company which discounts can lower your rates. Some discounts listed above may not be offered in your area. To find insurers with the best discounts in Texas, follow this link.

The auto insurance companies shown below provide price comparisons in Texas. If your goal is to find cheap car insurance in Lubbock, TX, we suggest you visit several of them in order to get a fair rate comparison.

Rates and data analysis

The price information below outlines estimates of coverage costs for Kia Sportage models. Learning a little about how premiums are calculated can assist in making smart choices when buying a policy.

Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Information does not factor in zip code location which can raise or lower premium rates significantly.

Physical damage deductibles: Should you raise them?

One common question asked by Lubbock drivers is at what level do you set your deductibles. The rates shown below can help you visualize the costs and benefits between low and high coverage deductibles. The first data table uses a $250 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium amounts do not factor in your specific Lubbock location which can decrease or increase premiums substantially.

We can derive from the above data that using a $250 deductible costs approximately $26 more each month or $312 a year averaged for all Sportage models than requesting the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 29 months between claim filings, you would come out ahead by going with a higher deductible. The numbers below show the way we made this calculation.

The information below demonstrates how deductibles and can increase or decrease Kia Sportage annual premium costs for different age categories. The premiums are based on a single male driver, comp and collision included, and no other discounts are factored in.

Careless driving habits raise Lubbock car insurance rates

The diagram below illustrates how violations and accidents can impact Kia Sportage auto insurance costs for different insured age categories. The premium estimates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.

Difference between full coverage and liability only rates

The information below illustrates the comparison of Kia Sportage insurance rates with full coverage compared to only the Texas minimum liability coverage. The data is based on no claims or violations, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.

Should you pay for full coverage or liability only?

There is no clear-cut formula of when to phase out physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Kia Sportage replacement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after you pay the deductible. If premiums are more than $700 a year for full coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where removing full coverage is not in your best interest. If you still owe money on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not buy liability only.

How much car insurance do I need?

When it comes to adequate coverage for your personal vehicles, there really isn’t a perfect coverage plan. Everyone’s needs are different.

For example, these questions might point out whether your personal situation would benefit from professional advice.

• Will my rates increase for filing one claim?
• Who is covered by my policy?
• If my Kia Sportage is totaled, can I afford another vehicle?
• How high should my medical payments coverage be?
• Can my babysitter drive my car?
• Does my car insurance cover rental cars?
• Am I covered if I have no license?
• Do I need special endorsements for business use of my vehicle?
• Should I sign the liability waiver when renting a car?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and may give you better protection.

Don’t I need to talk to an insurance agency?

Some consumers would prefer to talk to a local agent and that can be a great decision Experienced insurance agents can point out coverage gaps and help you file claims. An additional benefit of getting online price quotes is that drivers can save money and get the lowest rates but also keep your business local.

To help locate an agent, after submitting this form (opens in new window), the coverage information is instantly submitted to local insurance agents in Lubbock who will gladly provide quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to find an agent since price quotes are sent to you. If you wish to compare prices from a specific company, you would need to jump over to their website and submit a quote form there.

Picking an company shouldn’t rely on just the price. Agents should be asked these questions:

• Is assistance available after office hours?
• Will they take your side in the event of a claim?
• Does the quote include credit and driving reports?
• Is the agency involved in supporting local community causes?
• Do they have designations such as AIC, CPCU, or CIC?
• Is there any savings for paying the full premium?
• Are aftermarket or OEM parts used to repair vehicles?
• What company do they have the most business with?

If you prefer to buy car insurance from a good Lubbock insurance agent, you need to know there are two different types of agencies and how they are slightly different. Car insurance policy providers may be either exclusive or independent (non-exclusive). Both types can sell and service car insurance coverage, but it is important to understand why they differ because it can influence your selection of an agent.

Exclusive Insurance Agencies

Exclusive insurance agents can only write with one company like AAA, Allstate, State Farm, or Farmers Insurance. These agents are unable to give you multiple price quotes so you might not find the best rates. Exclusive agents are very knowledgeable on the products they sell which helps offset the inability to provide other markets.

Listed below is a short list of exclusive agents in Lubbock willing to provide rate quotes.

More insurance agents

Independent Agents

These type of agents do not sell for just one brand so they can write business with lots of companies and get the cheapest rates. If they quote lower rates, they can switch companies in-house and you stay with the same agent. When shopping rates, you should always compare prices from a few independent agents so that you can do a thorough price comparison.

Below are independent insurance agencies in Lubbock who can help you get price quotes.

More insurance agents

Car insurance coverage information

Having a good grasp of a auto insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, hail damage, a tree branch falling on your vehicle and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverages

Liability coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 30/60/25 that translate to $30,000 in coverage for each person’s injuries, a total of $60,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like legal defense fees, court costs and medical services. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford. Texas state minimum liability requirements are 30/60/25 but you should consider buying higher limits.

The next chart shows why buying the state minimum limits may not be enough coverage.

Coverage for collisions

Collision coverage pays for damage to your Sportage caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as colliding with a tree, driving through your garage door, sideswiping another vehicle, backing into a parked car and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible on your Sportage to bring the cost down.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Kia Sportage.

Because many people only carry the minimum required liability limits (Texas limits are 30/60/25), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like rehabilitation expenses, funeral costs, X-ray expenses, pain medications and prosthetic devices. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Persistence is the key to cheaper rates

Cheap Kia Sportage insurance in Lubbock is attainable on the web in addition to local insurance agencies, so you should compare both in order to have the best price selection to choose from. Some insurance companies may not offer internet price quotes and usually these regional carriers prefer to sell through independent insurance agencies.

In this article, we covered many ways to compare Kia Sportage insurance prices in Lubbock. The key thing to remember is the more price quotes you have, the better likelihood of getting the cheapest Kia Sportage rate quotes. Consumers may even find the lowest prices come from a small mutual company.

Consumers switch companies for a variety of reasons including policy non-renewal, delays in paying claims, lack of trust in their agent and even unfair underwriting practices. It doesn’t matter why you want to switch switching companies is less work than it seems.

Helpful information

• Red Light Cameras (State Farm)
• Who Has Affordable Auto Insurance Rates for Teenage Females in Lubbock? (FAQ)
• What Car Insurance is Cheapest for Nurses in Lubbock? (FAQ)
• Who Has Cheap Auto Insurance Rates for Good Students in Lubbock? (FAQ)
• What Auto Insurance is Cheapest for Drivers with Bad Credit in Lubbock? (FAQ)
• Who Has Affordable Auto Insurance for Felons in Lubbock? (FAQ)
• Get the Right Protection (InsureUonline.org)
• State Car Insurance Guides (GEICO)