Want to learn a better way to compare more affordable Kia Sportage insurance in Columbia? When looking for lower-cost insurance, are you confused by the sheer number of insurance sources in Columbia? There are so many sources to choose from that it is a challenge to find lower prices on Kia Sportage insurance. If you've ever been there, you know that Columbia has many things to offer, but pricey insurance can make it nearly impossible to afford enough coverage.

Insurance rates Kia Sportage in ColumbiaA study showed that almost 70% of insureds in South Carolina have been with the same company for four years or more, and nearly 40% of drivers have never compared rates to find affordable insurance. Drivers in the United States could cut their rates by about $850 a year just by comparing rates, but they don't know the benefits if they switch to a new company.

You need to shop coverage around on a regular basis because rates change quite often. Just because you had the best premium rates on Kia Sportage insurance in Columbia a few years ago a different company probably has better prices today. Forget all the misinformation about insurance because you're about to learn the proper way to save on insurance.

Quoting the cheapest coverage in Columbia can be fairly easy. Nearly every car owner who shops for auto insurance will most likely find lower prices. Although South Carolina vehicle owners can benefit from knowing how the larger insurance companies set your policy premium and use it to your advantage.

Car insurance providers offering low-cost price quotes in South Carolina

The companies shown below offer price comparisons in Columbia, SC. If the list has multiple companies, it's highly recommended you visit two to three different companies in order to get a fair rate comparison.

Kia Sportage Insurance Rates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $180 $332 $444 $26 $132 $1,114 $93
Sportage LX 2WD 4-Dr $136 $260 $444 $26 $132 $998 $83
Sportage EX 2WD 4-Dr $294 $530 $342 $20 $102 $1,288 $107
Sportage LX 4WD 4-Dr $226 $440 $320 $18 $96 $1,100 $92
Sportage LX $140 $288 $386 $22 $116 $952 $79
Sportage EX 4WD 4-Dr $204 $368 $320 $18 $96 $1,006 $84
Get Your Own Custom Quote Go

Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Price estimates do not factor in specific location which can influence coverage rates greatly.

Rate difference between full and liability-only coverage

The illustration below illustrates the difference between Kia Sportage auto insurance rates when comparing full coverage to liability only. The data assumes no violations or claims, $250 deductibles, married female driver, and no other discounts are factored in.

When to stop buying physical damage coverage

There is no set rule that works best for making the decision to drop physical damage insurance, but there is a general convention. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let's say your Kia Sportage book value is $7,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $6,000 after paying your policy deductible. If it's costing you more than $600 a year for comprehensive and collision coverage, then it might be time to buy liability only.

There are some cases where eliminating full coverage is not advised. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage.

An analysis of deductible level

One common question asked by Columbia drivers is how high should your deductibles be. The comparison tables below approximate the premium difference of buying low and high physical damage deductibles. The first rate comparisons uses a $250 comprehensive and collision deductible and the second pricing table uses a $500 deductible.

Kia Sportage insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $230 $366 $342 $20 $102 $1,085 $90
Sportage LX 2WD 4-Dr $230 $366 $342 $20 $102 $1,085 $90
Sportage EX 2WD 4-Dr $264 $444 $342 $20 $102 $1,197 $100
Sportage LX 4WD 4-Dr $264 $444 $342 $20 $102 $1,197 $100
Sportage LX $264 $444 $342 $20 $102 $1,197 $100
Sportage EX 4WD 4-Dr $264 $444 $342 $20 $102 $1,197 $100
Get Your Own Custom Quote Go
Kia Sportage insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $186 $294 $342 $20 $102 $944 $79
Sportage LX 2WD 4-Dr $186 $294 $342 $20 $102 $944 $79
Sportage EX 2WD 4-Dr $214 $358 $342 $20 $102 $1,036 $86
Sportage LX 4WD 4-Dr $214 $358 $342 $20 $102 $1,036 $86
Sportage LX $214 $358 $342 $20 $102 $1,036 $86
Sportage EX 4WD 4-Dr $214 $358 $342 $20 $102 $1,036 $86
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Table data does not factor in vehicle garaging location which can lower or raise auto insurance rates considerably.

Based on these figures, using a $250 deductible could cost the average driver approximately $13 more each month or $156 each year than requesting the higher $500 deductible. Because you would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 19 months between claims, you would save money if you decide on a higher deductible.

What Affects Kia Sportage Insurance Prices?

Many factors are used when you get a price on insurance. Some are pretty understandable such as your driving history, although some other factors are not quite as obvious such as your credit history or how financially stable you are.

Save by driving less - The more you drive your Kia annually the more you will pay for insurance. Most insurance companies apply a rate based upon how the vehicle is primarily used. Autos that are left in the garage can get a lower rate than vehicles that have high annual mileage. Incorrect rating for your Sportage may be costing you higher rates. Verify your insurance policy reflects the correct usage, because it can save money.

Prices are affected by your address - Being located in less populated areas of the country can save you money when it comes to insurance. People who live in big cities have more auto accidents and longer commutes to work. Fewer drivers on the road means a lower chance of having an accident and lower theft and vandalism rates.

Being married reduces risk - Getting married can actually save you money when shopping for insurance. It means you're more stable financially and insurance companies reward insureds because drivers who are married file infrequent claims.

Is your car built for speed? - The type of car you need insurance for makes a significant difference in your car insurance bill. The best insurance prices will generally be found on small economy passenger models, but your final cost has many other factors. Since the Kia Sportage is considered a crossover, insurance will be slightly more than the average rate where you live in Columbia.

When should you not file a insurance claims? - If you're an insured who likes to file claims don't be surprised to see increased rates or even have your policy non-renewed. Auto insurance companies in South Carolina provide lower rates to insureds who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.

Gender and auto insurance premiums - Over the last 50 years, statistics have shown that women are safer drivers than men. This data doesn't prove that women are BETTER drivers than men. They both tend to get into at-fault accidents in similar numbers, but the men get into accidents with more damage. Not only that, but men also have more aggressive citations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and thus pay the highest rates.

Safety first - Vehicles with good safety scores tend to have lower insurance rates. Vehicles engineered for safety reduce injuries and fewer serious injuries means lower claim amounts and thus lower rates.

Kia Sportage claim data - Insurers use past insurance losses when setting rates for each model. Vehicles that have a trend towards higher claims will have higher premium rates. The table shown below demonstrates the historical loss data for Kia Sportage vehicles.

For each type of coverage, the loss probability for all vehicles, without regard to make or model, equals 100. Numbers below 100 suggest losses that are better than average, while values that are above 100 indicate a higher chance of having a claim or larger claims.

Car Insurance Loss Data for Kia Sportage Models

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

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Columbia car insurance discounts

Car insurance companies don't always list all possible discounts in an easy-to-find place, so the following list contains both the well known as well as the least known credits available to you. If you do not double check each discount possible, you're just leaving money on the table.Car insurance discounts

As a footnote on discounts, most discounts do not apply to your bottom line cost. Some only apply to individual premiums such as liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, it doesn't quite work that way. But any discount will cut your premiums.

Larger car insurance companies and their offered discounts include:

It's a good idea to ask each insurance company which discounts you may be entitled to. Depending on the company, some discounts may not apply in your state. To find car insurance companies that provide some of the discounts listed above in South Carolina, click here.

Local Columbia insurance agents

Some people still prefer to buy from a local agent and that is just fine! One of the benefits of price shopping on the web is you can get lower prices and also buy local. And providing support for local agents is still important in Columbia.

Insurance agency in ColumbiaTo help locate an agent, after submitting this simple form, your information is submitted to agents in your area who want to provide quotes to get your business. You won't need to find an agent on your own as quotes are delivered immediately to your email address. You can find lower rates without requiring a lot of work. If you want to compare rates from a particular provider, just go to their quote page and give them your coverage information.

The following is a short list of car insurance companies in Columbia that may be able to provide price quotes for Kia Sportage insurance in Columbia.

View more Columbia agents

Finding a good insurance company requires more thought than just the bottom line cost. Here are some questions to ask:

After you get reasonable responses to your questions as well as low cost Kia Sportage insurance quotes, you have narrowed it down to a company that will adequately provide auto insurance. Just keep in mind you have the power to cancel coverage for any reason so don't feel that you are obligated to a specific company indefinitely.

Final considerations

More affordable auto insurance in Columbia can be bought both online as well as from independent agents in Columbia, and you should compare price quotes from both to have the best selection. A few companies don't offer online quoting and many times these smaller companies only sell through independent insurance agents.

In this article, we presented quite a bit of information on how to compare Kia Sportage insurance premium rates in Columbia. It's most important to understand that the more times you quote, the better likelihood of getting the cheapest Kia Sportage rate quotes. Consumers could even find that the lowest priced auto insurance comes from the smaller companies.

Drivers leave their current company for many reasons like policy cancellation, questionable increases in premium, unfair underwriting practices and even an unsatisfactory settlement offer. Regardless of your reason, choosing a new insurance company can be easier than you think.

Additional articles