Best Ways to Save on Boston Kia Sportage Insurance

A recent survey discovered that most consumers kept buying from the same company for four years or more, and roughly 40% of drivers have never even compared rates from other companies. Drivers in Massachusetts could save up to 45% a year, but they assume it’s a waste of time to do a rate comparison.

Insurance rates Kia Sportage in BostonIf saving the most money is your goal, then the best way to get budget auto insurance rates is to compare quotes once a year from providers in Boston. You can shop around by following these guidelines.

  1. It will benefit you to learn about how auto insurance works and the changes you can make to lower rates. Many factors that drive up the price like accidents, traffic tickets, and a less-than-favorable credit score can be rectified by making lifestyle changes or driving safer.
  2. Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from one company like Progressive or Allstate, while independent agents can quote prices from multiple insurance companies.
  3. Compare the new rate quotes to your existing rates to see if a cheaper rate is available in Boston. If you find a lower rate, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Provide written notification to your current company to cancel your current auto insurance policy and submit the application along with any required down payment to the new company. Once the application is submitted, store the certificate verifying proof of insurance in an easily accessible location.

A good tip to remember is that you use identical coverage information on each price quote and and to get rates from as many carriers as you can. Doing this provides an accurate price comparison and a complete price analysis.

Kia Sportage insurance coverage information

The data table displayed next highlights different policy rates for Kia Sportage models. Being able to understand how insurance premiums are established can benefit drivers when making informed decisions when comparing rate quotes.

Kia Sportage Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $216 $418 $378 $22 $114 $1,148 $96
Sportage LX 2WD 4-Dr $216 $418 $378 $22 $114 $1,148 $96
Sportage EX 2WD 4-Dr $248 $510 $378 $22 $114 $1,272 $106
Sportage LX 4WD 4-Dr $248 $510 $378 $22 $114 $1,272 $106
Sportage LX $248 $510 $378 $22 $114 $1,272 $106
Sportage EX 4WD 4-Dr $248 $510 $378 $22 $114 $1,272 $106
Get Your Own Custom Quote Go

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rates do not factor in Boston location which can decrease or increase premium rates considerably.

Physical damage deductible comparison

One common question asked by Boston drivers is where to set your physical damage deductibles. The tables below help summarize the differences in premium rates when you select higher and lower policy deductibles. The first rate table uses a $250 deductible for comp and collision and the second pricing table uses a $500 deductible.

Kia Sportage insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $224 $358 $334 $20 $100 $1,061 $88
Sportage LX 2WD 4-Dr $224 $358 $334 $20 $100 $1,061 $88
Sportage EX 2WD 4-Dr $258 $436 $334 $20 $100 $1,173 $98
Sportage LX 4WD 4-Dr $258 $436 $334 $20 $100 $1,173 $98
Sportage LX $258 $436 $334 $20 $100 $1,173 $98
Sportage EX 4WD 4-Dr $258 $436 $334 $20 $100 $1,173 $98
Get Your Own Custom Quote Go

Kia Sportage insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $182 $288 $334 $20 $100 $924 $77
Sportage LX 2WD 4-Dr $182 $288 $334 $20 $100 $924 $77
Sportage EX 2WD 4-Dr $210 $350 $334 $20 $100 $1,014 $85
Sportage LX 4WD 4-Dr $210 $350 $334 $20 $100 $1,014 $85
Sportage LX $210 $350 $334 $20 $100 $1,014 $85
Sportage EX 4WD 4-Dr $210 $350 $334 $20 $100 $1,014 $85
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in the specific area where the vehicle is garaged which can influence rates greatly.

Based on these figures, using a $250 deductible would cost the average driver about $13 more each month or $156 a year across all Kia Sportage models than buying the higher $500 deductible. Since you would have 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 claim filings, you would probably save some money by going with a higher deductible. The table below shows how you can make your own decision.

Average monthly premium for $250 deductibles: $95
Average monthly premium for $500 deductibles (subtract): – $82
Monthly savings from raising deductible: $13
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $13
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

The example below shows how choosing a deductible and can affect Kia Sportage premium costs for different categories of driver ages. Data assumes a married female driver, full physical damage coverage, and no policy discounts are applied.

Careless Boston drivers pay higher rates

The diagram below illustrates how violations and accidents can increase Kia Sportage auto insurance costs for different age groups. The rates are based on a single female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

Kia Sportage insurance costs by gender and age in Boston

The chart below shows the difference between Kia Sportage premium costs for male and female drivers. The information is based on no claims or driving citations, comp and collision included, $250 deductibles, single status, and no other discounts are factored in.

Cost difference between full coverage and liability

The diagram below illustrates the difference between Kia Sportage insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Massachusetts. The rate quotes are based on no claims or driving citations, $500 deductibles, marital status is single, and no discounts are factored in.

Are you wasting money paying for full coverage?

There is no set rule of when to exclude full coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let’s say your Kia Sportage replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $7,000 after paying your deductible. If it’s costing in excess of $700 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some circumstances where only buying liability is not recommended. If you still owe money on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Coverage specifics

Understanding the coverages of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Collision protection

This coverage will pay to fix damage to your Sportage from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as driving through your garage door, backing into a parked car, hitting a parking meter and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible on your Sportage to get cheaper collision coverage.

Uninsured or underinsured coverage

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Kia Sportage.

Because many people only purchase the least amount of liability that is required (Massachusetts limits are 20/40/5), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like EMT expenses, ambulance fees, funeral costs and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This coverage can cover injuries or damage you cause to a person or their property. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 20/40/5 that means you have $20,000 in coverage for each person’s injuries, a per accident bodily injury limit of $40,000, and $5,000 of coverage for damaged property.

Liability coverage pays for claims like attorney fees, medical expenses, legal defense fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible. Massachusetts state law requires minimum liability limits of 20/40/5 but you should think about purchasing higher limits.

The chart below shows why buying minimum limits may not be adequate.

Comprehensive protection

This covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like rock chips in glass, damage from a tornado or hurricane, a broken windshield, damage from getting keyed and theft. The most a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Affordable rates are available

You just read some good ideas how to compare Kia Sportage insurance rates in Boston. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest rates come from a lesser-known regional company.

Consumers switch companies for many reasons like delays in responding to claim requests, not issuing a premium refund, extreme rates for teen drivers and unfair underwriting practices. It doesn’t matter why you want to switch switching auto insurance companies is pretty easy and you might even save some money in the process.

Cheaper auto insurance in Boston can be bought on the web and from local insurance agents, and you should compare rates from both to have the best rate selection. Some insurance companies do not offer online rate quotes and many times these small, regional companies provide coverage only through independent insurance agencies.

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