Compare Kia Sportage Insurance Quotes in Baltimore

Tired of sacrificing each month for car insurance? You have the same problem as many other Maryland drivers.

It’s an obvious conclusion that auto insurance companies don’t want customers comparing rates. Insureds who shop around will most likely switch to a new company because of the high probability of finding coverage at a cheaper rate. A recent car insurance study discovered that consumers who make a habit of shopping around saved an average of $3,400 over four years compared to drivers who never shopped around for lower prices.

If saving the most money on Kia Sportage insurance is why you’re reading this, then having a grasp of how to quote prices and compare insurance premiums can make the process less intimidating. Multiple car insurance companies compete for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the best rate on Kia Sportage insurance in Baltimore.

If you have a policy now or just want to save money, use these techniques to find the best rates without reducing protection. Choosing the most cost-effective car insurance policy in Baltimore can really be easy if you know what you’re doing. Smart shoppers only need to know the most efficient way to get comparison quotes online from multiple companies.

Finding cheaper insurance prices is an easy way to save money. All you need to do is take time comparing rate quotes to discover which company has cheaper Baltimore car insurance quotes.

Comparison shopping rates online is easy and it makes it obsolete to drive around to different agent offices. Comparing Kia Sportage insurance rate quotes online eliminates the middleman unless you have a need for the trained guidance of a local agency. If you prefer, some companies allow you to compare online quotes but purchase the actual policy in an agency.

The companies shown below are ready to provide free quotes in Baltimore, MD. If you want the cheapest auto insurance in Baltimore, MD, we suggest you visit as many as you can to get the most affordable price.

Kia Sportage insurance analysis

The data table shown next showcases different insurance policy prices for Kia Sportage models. Learning how auto insurance prices are determined is important for making informed decisions.

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rates do not factor in Baltimore location which can lower or raise coverage rates noticeably.

Car insurance deductibles

One of the more difficult decisions when buying car insurance is which comprehensive and collision deductibles to buy. The following insurance rates approximate the rate fluctuation between low and high deductibles. The first pricing table uses a $100 deductible for physical damage and the second set of rates uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Price estimates do not factor in specific zip code location which can modify premiums substantially.

Based on the figures above, using a $100 deductible costs approximately $26 more each month or $312 every year than choosing the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to go at least 15 months between claim filings, you would come out ahead if you choose the higher deductible.

Kia Sportage insurance rates by gender in Baltimore

The example below illustrates the comparison of Kia Sportage insurance rates for male and female drivers. Data assumes no claims or driving violations, full physical damage coverage, $250 deductibles, single status, and no discounts are applied.

Full coverage or liability only

The diagram below illustrates the comparison of Kia Sportage car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Maryland. Data assumes no tickets, no at-fault accidents, $1,000 deductibles, drivers are not married, and no policy discounts are applied.

Should you pay for full coverage?

There is no set rule of when to drop physical damage coverage, but there is a general guideline. If the yearly cost for physical damage coverage is more than around 10% of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Kia Sportage settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $5,000 after the policy deductible has been paid. If you are currently paying more than $500 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are some scenarios where only buying liability is not in your best interest. If you still have a lienholder on your title, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Informed Drivers Can Save Money

Smart consumers have a good feel for the factors that help determine your premiums. If you know what impacts premium levels, this allows you to make educated decisions that can earn you lower rates.

Listed below are a few of the “ingredients” that factor into your premiums.

• Liability insurance is important – Liability coverage will protect you if ever you are found to be at fault for physical damage or personal injury to other. It provides legal defense coverage which can cost a lot. This coverage is relatively inexpensive when compared with rates for comp and collision, so drivers should carry high limits.

• Good drivers pay less – Having just one citation may increase your cost by as much as twenty percent. Drivers who don’t get tickets receive lower rates as compared to careless drivers. Drivers who have received careless tickets such as reckless driving or DUI may face state-mandated requirements to submit a SR-22 form with their state DMV in order to keep their license.

  The illustration below highlights how speeding tickets and at-fault fender-benders can affect Kia Sportage auto insurance costs for each different age category. Data assumes a single male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

• Rate your vehicle for proper use – The more you drive your Kia in a year’s time the more you’ll pay to insure your vehicle. Many insurance companies price each vehicle’s coverage based on how the vehicle is used. Autos that sit idle most of the time get more affordable rates compared to those used for work or business. An incorrectly rated Sportage may be wasting your money. It’s always a good idea to double check that your insurance coverage is rated on annual mileage, because it can save money.
• Never let your insurance expire – Not having insurance is against the law and insurance companies will penalize you for letting your insurance lapse. And not only will your rates increase, failure to provide proof of insurance could result in fines and jail time. You may have to submit proof of financial responsibility or a SR-22 with the Maryland DMV.
• Your address can influence premiums – Choosing to live in areas with lower population may provide you with better prices when insuring your vehicles. Lower population means fewer accidents and a lower car theft rate. Urban drivers have to deal with more aggressive driving styles and a longer drive to work. The longer drive time means higher likelihood of an accident.

• Loss probability for a Kia Sportage – Auto insurance companies use historical loss data to help set a rate to offset losses. Models that the data determines to have a higher amount or frequency of claims will cost more for coverage. The table below outlines the insurance loss data for Kia Sportage vehicles.

  For each policy coverage, the statistical loss for all vehicles, without regard to make or model, is equal to 100. Numbers that are below 100 suggest a better than average loss history, while values over 100 indicate frequent claims or statistically larger claims.

  
  

  Kia Sportage Insurance Loss Statistics

  Specific Kia 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

  BETTER

  AVERAGE

  WORSE

  Statistics from IIHS.org for 2013-2015 Model Years

Insuring your Kia vehicle just makes sense

Despite the high cost, insuring your vehicle is required by state law in Maryland and it also provides benefits you may not be aware of.

• The majority of states have minimum liability requirements which means it is punishable by state law to not carry specific limits of liability insurance coverage in order to get the vehicle licensed. In Maryland these limits are 30/60/15 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
• If your Kia has a lienholder, it’s most likely the lender will make it mandatory that you buy insurance to protect their interest in the vehicle. If the policy lapses, the lender may have to buy a policy to insure your Kia at a significantly higher premium and require you to reimburse them much more than you were paying before.
• Car insurance preserves both your Kia Sportage and your personal assets. It will also reimburse you for most medical and hospital costs that are the result of an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to have it repaired.

The benefits of carrying adequate insurance greatly outweigh the cost, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $750 every year so compare quotes from several companies once a year at a minimum to ensure rates are competitive.

How to find a good Baltimore car insurance company

Choosing a high-quality car insurance provider can be rather challenging considering how many different companies sell coverage in Maryland. The information in the lists below could help you analyze which companies you want to consider purchasing coverage from.

Top 10 Baltimore Car Insurance Companies Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance

Top 10 Baltimore Car Insurance Companies Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. The General
9. 21st Century
10. Esurance