How many years has it been since you compared more competitive insurance rates in Denver, CO? Denver shoppers have options when shopping for low-cost Kia Sportage insurance. You can either waste hours struggling with agents to get rate comparisons or leverage the internet to get rate quotes.
There are more efficient ways to buy insurance and we’ll show you the best way to price shop coverage for a Kia and get the cheapest rates from both online companies and Denver agents.
If you have a policy now or just want cheaper coverage, use these cost-cutting techniques to reduce the price you pay and possibly find even better coverage. Our objective in writing this article is to familiarize you with how to get online quotes and some tips to save money. You just have to know the most efficient way to get comparison rates online from multiple companies.
How to buy Kia Sportage insurance in Denver, CO
All major insurance companies such as Allstate, GEICO and Progressive make it easy to get prices direct online. Obtaining pricing for Kia Sportage insurance in Denver is quite easy as you just type in the coverage amounts you desire into the quote form. Behind the scenes, their rating system obtains your credit score and driving record and returns a price based on these and other factors.
Being able to quote online for Kia Sportage insurance in Denver makes it simple to compare prices and it’s very important to do this in order to get cheaper insurance pricing.
To save time and compare pricing, take a look at the companies shown below. If you currently have coverage, we recommend you complete the form with the limits and deductibles exactly as they are listed on your policy. Doing this assures you are getting rate quotes using the same coverage and limits.
The companies shown below offer price quotes in Colorado. If several companies are displayed, we suggest you visit several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $300 | $448 | $460 | $28 | $138 | $1,374 | $115 |
| Sportage LX 2WD 4-Dr | $240 | $412 | $362 | $22 | $108 | $1,144 | $95 |
| Sportage EX 2WD 4-Dr | $234 | $448 | $396 | $24 | $118 | $1,220 | $102 |
| Sportage LX 4WD 4-Dr | $190 | $362 | $368 | $22 | $110 | $1,052 | $88 |
| Sportage LX | $144 | $296 | $396 | $24 | $118 | $978 | $82 |
| Sportage EX 4WD 4-Dr | $190 | $380 | $396 | $24 | $118 | $1,108 | $92 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Estimates do not factor in Denver location which can alter coverage prices greatly.
Full coverage versus liability only rates
The diagram below shows the comparison of Kia Sportage car insurance rates with full physical damage coverage and with liability coverage only. Data assumes no accidents, no driving violations, $100 deductibles, married male driver, and no discounts are applied.
Deciding between full coverage and liability only
There is no exact rule for dropping comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of comprehensive 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 value is $7,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $6,000 after the policy deductible has been paid. If you are paying in excess of $600 a year to have full coverage, then you might consider buying liability only.
There are some circumstances where dropping full coverage is not advised. If you still have a lienholder on your title, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
Choosing Kia Sportage insurance is an important decision
Despite the fact that auto insurance is not cheap in Denver, insurance serves several important purposes.
First, almost all states have minimum liability requirements which means state laws require a minimum amount of liability insurance coverage in order to drive the car. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if you have a loan on your Sportage, it’s guaranteed your bank will require that you have insurance to guarantee their interest in the vehicle. If the policy lapses, the bank or lender will purchase a policy for your Kia at a much higher rate and require you to reimburse them much more than you were paying before.
Third, insurance safeguards both your Kia Sportage and your assets. It will also cover all forms of medical expenses that are the result of an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your policy will cover the damage repairs after a deductible is paid.
The benefits of insuring your car are definitely more than the cost, especially for larger claims. Unknowingly, the average driver overpays more than $700 annually so you should quote and compare rates once a year at a minimum to ensure rates are competitive.
But they said I’d save $399 a year!
Colorado consumers get pounded daily by advertisements for the lowest price auto insurance from companies such as Allstate, GEICO and Progressive. They all state the claim that you can save just by moving your auto insurance coverage to their company.
How do they all have lower policy pricing?
Companies have a preferred profile for the type of driver that will add to their bottom line. For example, this type of insured might have to be between the ages of 30 and 45, has no driving citations, and drives less than 10,000 miles a year. Any driver that matches those criteria gets the lowest rates as well as save when switching.
Potential insureds who fall short of the ideal profile will see a higher premium and ends up with the customer buying from someone else. The ad wording is “customers that switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way companies can state the savings.
That is why drivers should compare quotes as often as possible. It’s impossible to know which insurance companies will fit you best based on your risk profile.
These discounts can slash Kia Sportage insurance rates
Car insurance companies don’t always advertise every discount available in an easy-to-find place, so the following is a list of some of the more common as well as some of the hidden ways to save on car insurance.
- Discount for New Cars – Adding a new car to your policy can save up to 30% since newer vehicles have better safety ratings.
- Home Ownership Discount – Owning your own home or condo may earn you a small savings because maintaining a house requires a higher level of personal finance.
- Paperless Signup – Certain insurance companies will provide an incentive for signing up on their website.
- Pay Now and Pay Less – By paying your entire bill at once rather than paying monthly you may have a lower total premium amount.
- Military Rewards – Being on active duty in the military can result in better rates.
- Auto/Life Discount – Car insurance companies who offer life insurance give better car insurance rates if you take out life insurance.
- Save over 55 – If you’re over the age of 55, you may receive a discount up to 10%.
- Discount for Low Mileage – Low annual miles could qualify for slightly better prices than normal.
Discounts save money, but please remember that some of the credits will not apply to the overall cost of the policy. Most only reduce specific coverage prices like comp or med pay. So even though you would think you can get free auto insurance, it just doesn’t work that way.
A list of companies and some of their more popular discounts include:
- Progressive may include discounts for homeowner, continuous coverage, multi-vehicle, good student, and online signing.
- AAA policyholders can earn discounts including good driver, education and occupation, anti-theft, AAA membership discount, good student, pay-in-full, and multi-policy.
- Farmers Insurance offers discounts for mature driver, homeowner, youthful driver, good student, electronic funds transfer, and bundle discounts.
- GEICO includes discounts for driver training, multi-vehicle, anti-theft, defensive driver, membership and employees, and good student.
- Esurance may offer discounts for good driver, DriveSense, anti-lock brakes, Pac-12 alumni, defensive driver, online shopper, and renters.
- SAFECO discounts include multi-car, anti-theft, bundle discounts, accident prevention training, anti-lock brakes, safe driver, and teen safe driver.
- State Farm offers discounts including multiple autos, Drive Safe & Save, accident-free, student away at school, defensive driving training, good driver, and passive restraint.
When getting free Denver car insurance quotes, it’s a good idea to all companies you are considering which discounts you qualify for. Some discounts listed above may not apply to policies in every state. If you would like to choose from a list of providers who offer cheap Kia Sportage insurance quotes in Denver, follow this link.
Local Denver insurance agents
Certain consumers just prefer to buy from a licensed agent and that can be a smart move Insurance agents will help you protect your assets and give you someone to call. One of the great benefits of getting online price quotes is you can get the lowest rates and also buy local. Buying from local insurance agencies is especially important in Denver.
For easy comparison, once you complete this simple form, your coverage information is transmitted to local insurance agents that can give you free Denver car insurance quotes for your coverage. It’s much easier because you don’t need to even leave your home since price quotes are sent immediately to you. If you have a need to get a price quote from a specific auto insurance provider, you just need to jump over to their website and complete a quote there.
Do you need an independent or exclusive car insurance agent?
When narrowing the list to find a reliable insurance agent, you need to know there are two types of agencies that differ in how they can insure your vehicles. Auto insurance agents in Denver can be categorized as either independent agents or exclusive agents depending on their employer. Either can insure your vehicles properly, but it is important to understand the differences since it can affect the selection process.
Independent Auto Insurance Agencies
These agents are normally appointed by many insurers so as a result can place your coverage with multiple insurance companies and possibly get better coverage at lower prices. If your premiums go up, they simply move your policy to a different company which is easy for the insured. If you are trying to find cheaper rates, you definitely need to contact independent agents so that you can do a thorough price comparison. Most have the option of insuring with lesser-known insurance companies that may have much lower rates than larger companies.
Below is a short list of independent agents in Denver who may be able to give you cheap rate quotes.
- Gonzalez Insurance Agency
6450 E Colfax Ave – Denver, CO 80220 – (303) 320-4901 – View Map - Insurance Town and Country
1735 E 17th Ave #3 – Denver, CO 80218 – (303) 388-7216 – View Map - Longevity Insurance Brokers
100 Fillmore St – Denver, CO 80206 – (720) 209-4598 – View Map
Exclusive Auto Insurance Agents
Exclusive insurance agents work for only one company such as Farmers Insurance, Allstate, or State Farm. These agents are unable to place coverage with different providers so they have to upsell other benefits. Exclusive insurance agents are usually quite knowledgeable on their company’s products which helps them sell on service rather than price. A lot of people buy from the same agent for years partially due to the brand legacy rather than having low rates.
Listed below are Denver exclusive insurance agencies that can give you comparison quotes.
- Tammy Hill – State Farm Insurance Agent
4650 Tower Rd Unit 101 – Denver, CO 80249 – (303) 373-9500 – View Map - American Family Insurance – Matthew Ditzenberger
1485 S Colorado Blvd #300c – Denver, CO 80222 – (303) 756-8038 – View Map - Farmers Insurance – Mike Schmisek
1100 S Shoshone St – Denver, CO 80223 – (303) 922-1001 – View Map
Choosing the best auto insurance agent needs to be determined by more than just a low price. These are some questions your agent should answer.
- If you are a high risk driver, do they have special markets for your coverage?
- In the event of vehicle damage, can you pick the collision repair facility?
- Are all drivers listed on the coverage quote?
- What insurance companies do they recommend if they are an independent agent?
- What company holds the largest book of business for them?
Once you have received positive feedback to these questions and affordable Kia Sportage insurance rates in Denver quotes, you may have just found an insurance agency that can be trusted to insure your vehicles.
More comparisons equals affordable rates
We’ve covered many ideas to reduce Kia Sportage insurance car insurance rates online in Denver. The key concept to understand is the more price quotes you have, the better your chances of lowering your premium rates. You may even be surprised to find that the lowest car insurance rates are with a small mutual company.
Some auto insurance companies don’t offer price quotes online and most of the time these smaller companies sell through independent insurance agencies. Cost effective Kia Sportage insurance is attainable on the web and from local agencies, so compare prices from both so you have a total pricing picture.
Insureds change insurance companies for a number of reasons such as policy non-renewal, delays in responding to claim requests, policy cancellation and lack of trust in their agent. It doesn’t matter what your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.
Additional information is located at the links below
- Cellphones, Texting and Driving (iihs.org)
- Who Has the Cheapest Auto Insurance Rates After a Speeding Ticket in Denver? (FAQ)
- What Insurance is Cheapest for Teachers in Denver? (FAQ)
- Who Has Affordable Denver Auto Insurance Quotes for Low Credit Scores? (FAQ)
- What Car Insurance is Cheapest for a 20 Year Old Male in Denver? (FAQ)
- Driving in Bad Weather (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)