Save Money on Kia Sportage Insurance in Fort Wayne

Did budget coverage turn out to be an overpriced car insurance policy? Trust us when we tell you there are many people just like you.

Discount Kia Sportage insuranceIt’s shocking but 70% of consumers kept buying from the same company for a minimum of four years, and just short of a majority have never quoted rates to find affordable coverage. Fort Wayne drivers could cut their rates by up to 55% a year, but most undervalue how much they could save if they just switched companies.

Because you have many companies and agents to choose from, it can be challenging to choose a more affordable car insurance provider.

Compare free Fort Wayne Kia Sportage insurance price quotes

When comparison shopping, comparing a large number of companies will increase your chances of finding a lower rate than you’re paying now.

The following companies are ready to provide free quotes in Fort Wayne, IN. If multiple companies are listed, it’s highly recommended you get prices from several of them to get the best price comparison.

Auto insurance statistics and figures

The coverage information below covers detailed analysis of insurance policy prices for Kia Sportage models. Understanding how insurance policy premiums are determined is important for making decisions on which coverage to buy.

Kia Sportage Insurance Rates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $216 $300 $368 $22 $110 $1,016 $85
Sportage LX 2WD 4-Dr $216 $300 $368 $22 $110 $1,016 $85
Sportage EX 2WD 4-Dr $248 $366 $368 $22 $110 $1,114 $93
Sportage LX 4WD 4-Dr $248 $366 $368 $22 $110 $1,114 $93
Sportage LX $248 $366 $368 $22 $110 $1,114 $93
Sportage EX 4WD 4-Dr $248 $366 $368 $22 $110 $1,114 $93
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Table data does not factor in specific zip code location which can lower or raise price quotes significantly.

Policy deductibles

The hardest decision when buying coverage is at what level do you set your deductibles. The comparisons below illustrate the price difference between high and low physical damage deductibles. The first data table uses a $100 deductible for comp and collision and the second rate chart uses a $500 deductible.

Kia Sportage insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $210 $358 $280 $16 $84 $973 $81
Sportage LX 2WD 4-Dr $210 $358 $280 $16 $84 $973 $81
Sportage EX 2WD 4-Dr $242 $436 $280 $16 $84 $1,083 $90
Sportage LX 4WD 4-Dr $242 $436 $280 $16 $84 $1,083 $90
Sportage LX $242 $436 $280 $16 $84 $1,083 $90
Sportage EX 4WD 4-Dr $242 $436 $280 $16 $84 $1,083 $90
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Kia Sportage insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $154 $242 $280 $16 $84 $776 $65
Sportage LX 2WD 4-Dr $154 $242 $280 $16 $84 $776 $65
Sportage EX 2WD 4-Dr $176 $294 $280 $16 $84 $850 $71
Sportage LX 4WD 4-Dr $176 $294 $280 $16 $84 $850 $71
Sportage LX $176 $294 $280 $16 $84 $850 $71
Sportage EX 4WD 4-Dr $176 $294 $280 $16 $84 $850 $71
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Premium costs do not factor in garaging location in Fort Wayne which can raise or lower rates substantially.

Based on the data above, we can derive that using a $100 deductible will cost you approximately $18 more each month or $216 every year averaged for all Sportage models than opting for the higher $500 deductible. Since you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you have at a minimum 22 months between claims, you would come out ahead if you decide on a higher deductible.

Calculate deductible break even point

Average monthly premium for $100 deductibles: $87
Average monthly premium for $500 deductibles (subtract): – $69
Monthly savings from raising deductible: $18
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 22 months

Drive responsibly or pay higher rates

The chart below highlights how speeding tickets and fender-benders raise Kia Sportage insurance rates for different categories of driver ages. The price estimates are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.

Annual premiums for males compared to females in Fort Wayne

The information below compares Kia Sportage yearly insurance costs for male and female drivers. The premiums are based on no violations or accidents, comprehensive and collision coverage, $100 deductibles, marital status is single, and no additional discounts are factored in.

Price comparison of only insuring for liability

The information below illustrates the difference between Kia Sportage car insurance rates with full physical damage coverage and with liability coverage only. The premium estimates are based on a clean driving record, no at-fault accidents, $500 deductibles, drivers are single, and no discounts are applied.

Should you pay for full coverage?

There is no definitive rule that is best for determining when to drop physical damage coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let’s pretend your Kia Sportage replacement cost is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $5,000 after the deductible is paid. If premiums are more than $500 a year for your policy with full coverage, then it could be time to drop full coverage.

There are some conditions where only buying liability is not a good idea. If you haven’t satisfied your loan, you have to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not drop full coverage.

Three good reasons to insure your vehicle

Even though Fort Wayne Sportage insurance rates can get expensive, maintaining insurance is required in Indiana but also provides important benefits.

First, the majority of states have minimum liability requirements which means it is punishable by state law to not carry specific limits of liability protection in order to license the vehicle. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your car has a loan, almost every bank will make it mandatory that you carry insurance to guarantee their interest in the vehicle. If you let the policy lapse, the bank may insure your Kia for a lot more money and force you to reimburse them much more than you were paying before.

Third, car insurance preserves both your car and your personal assets. Insurance will also pay for medical bills for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance will also pay for a defense attorney if you cause an accident and are sued. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.

The benefits of having insurance definitely exceed the cost, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer is wasting up to $820 a year so shop around at every policy renewal to help ensure money is not being wasted.

Get Lower-cost Insurance Premiums by Understanding These Factors

The best way to find cheaper insurance is to take a look at the rating factors that aid in calculating your policy premiums. When you know what positively or negatively determines base rates, this enables you to make decisions that can help you get lower insurance prices.

Annual mileage and car insurance premiums – The more you drive annually the more you’ll pay to insure your vehicle. Most insurance companies charge rates based upon how much you drive. Autos that sit idle most of the time qualify for better rates than vehicles that have high annual mileage. Ask your agent if your insurance declarations sheet properly reflects the proper vehicle usage. An incorrectly rated Sportage may be wasting your money.

Alarms and GPS tracking lowers insurance rates – Driving a car with advanced anti-theft systems can get you a discount on your insurance. Systems that thwart thieves like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your vehicle from being stolen.

You might have higher costs if you are single – Your spouse helps lower the price compared to being single. Having a significant other is viewed as being more stable financially and statistics prove married drivers get in fewer accidents.

Occupation stress can make you pay more – Do you work in a high-stress field? Occupations like real estate brokers, social workers, and accountants tend to pay the highest average rates attributed to stressful work requirements and extremely grueling work hours. On the flip side, professions such as professors, students and retirees receive lower rates.

Rates increase with policy add-ons – There are quite a few add-on coverages that can waste your money if you don’t pay attention. Coverages like coverage for rental cars, death and dismemberment, and Farm Bureau memberships are some examples. These may sound like a good investment when buying your policy, but if they’re wasting money consider taking them off your policy.

Kia Sportage insurance claim data – Auto insurance companies analyze historical claim data when they set coverage costs for each model. Vehicles that the data determines to have increased claim numbers or amounts will be charged more to insure. The information below illustrates the historical loss data for Kia Sportage vehicles.

For each coverage type, the claim amount for all vehicles, regardless of manufacturer or model, is represented as 100. Values below 100 indicate a favorable loss history, while values that are 100 or greater indicate more frequent losses or an increased chance of a larger loss.

Kia Sportage Insurance Claim Statistics
Vehicle Make and 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

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Check for these discounts

The price of auto insurance can be rather high, but there are discounts available that can drop the cost substantially. Larger premium reductions will be automatically applied when you purchase, but a few must be specially asked for before you get the savings.Cheaper car insurance with discounts

One thing to note about discounts is that most discounts do not apply to the whole policy. Most only apply to specific coverage prices like medical payments or collision. If you do the math and it seems like you would end up receiving a 100% discount, that’s just not realistic.

The example below visualizes the comparison of Kia Sportage insurance costs with and without discounts being applied to the rates. The prices are based on a male driver, no claims, a clean driving record, Indiana state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, safe-driver, multi-car, marriage, and claim-free discounts applied.

A list of companies and their offered discounts can be read below.

When getting a coverage quote, ask each company to apply every possible discount. Some of the discounts discussed earlier might not be offered in your state. For a list of insurers that offer many of these discounts in Indiana, follow this link.

Insurance can get complicated

When choosing the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply.Higher deductibles save money
Here are some questions about coverages that can aid in determining if your insurance needs may require specific advice.

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Buying insurance from Fort Wayne auto insurance agents

Many drivers would rather buy from a local agent and doing that can be a smart decision One of the benefits of price shopping on the web is you can get better rates and still choose a local agent. Buying from neighborhood agents is definitely important in Fort Wayne.

Find insurance agent in Fort WayneOnce you complete this form (opens in new window), your insurance data gets sent to agents in your area who will gladly provide quotes to get your business. There is no need to contact any insurance agencies because prices are sent instantly to you. It’s the lowest rates and work with a local agent. If you need to get a rate quote from a specific company, you would need to go to their quote page and fill out the quote form the provide.

Fort Wayne car insurance agents come in two flavors

If you are searching for a reputable insurance agent or broker, you need to know there are two different types of agents and how they differ in how they quote coverages. Insurance agents in Fort Wayne can be described as either exclusive or independent.

Independent Insurance Agents

Independent insurance agents do not work for one specific company and that is an advantage because they can write policies through lots of different companies enabling the ability to shop coverage around. If prices rise, they can switch companies in-house which requires no work on your part.

If you are comparing rate quotes, you will definitely want to contact at a minimum one independent agency to have the most options to choose from.

Shown below is a list of independent insurance agencies in Fort Wayne that can give you free rate quotes.

3711 Rupp Dr #103Fort Wayne, IN 46835(260) 436-9669View Map

3213 E State BlvdFort Wayne, IN 46805(260) 216-0024View Map

7113 W Jefferson BlvdFort Wayne, IN 46804(260) 969-5613View Map

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Exclusive Insurance Agencies

Agents of this type can only provide one company’s prices like Farmers Insurance, State Farm, Allstate, and AAA. These agents are not able to shop your coverage around so they have no alternatives for high prices. They are well schooled on what they offer and that can be a competitive advantage.

Below is a list of exclusive insurance agents in Fort Wayne willing to provide price quotes.

4660 W Jefferson Blvd Ste 100Fort Wayne, IN 46804(260) 459-7673View Map

1018 E Dupont RdFort Wayne, IN 46825(260) 489-3838View Map

W.C. Starks – State Farm Insurance Agent
3818 S Calhoun StFort Wayne, IN 46807(260) 744-4357View Map

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Choosing the best insurance agency needs to be determined by more than just a low price. The following questions are important to ask.

A conclusion for your car insurance search

Cheaper car insurance in Fort Wayne can be found from both online companies as well as from independent agents in Fort Wayne, so you need to shop Fort Wayne car insurance with both to have the best rate selection. A few companies do not provide rates over the internet and usually these small, regional companies prefer to sell through independent agencies.

In this article, we covered a lot of ways to save on Kia Sportage insurance in Fort Wayne. The most important thing to understand is the more you quote Fort Wayne car insurance, the more likely it is that you will get a better rate. You may even be surprised to find that the best price on car insurance is with some of the smallest insurance companies. These smaller insurers can often provide lower rates in certain areas than their larger competitors like Allstate and Progressive.

When searching for cheaper Fort Wayne car insurance quotes, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, an insured cut liability limits or collision coverage and discovered at claim time they didn’t purchase enough coverage. The proper strategy is to purchase a proper amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

Steps to finding low-cost Kia Sportage insurance in Fort Wayne

If you want to find the absolute lowest rates, then the best way to get more affordable Kia Sportage insurance is to annually compare prices from different companies in Fort Wayne.

  1. Gain an understanding of how companies price auto insurance and the steps you can take to keep rates in check. Many rating criteria that cause rate increases like speeding tickets, careless driving and a poor credit score can be rectified by making minor driving habit or lifestyle changes.
  2. Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from one company like GEICO or Allstate, while agents who are independent can provide prices for a wide range of companies. Select a company
  3. Compare the quotes to your current policy to determine if you can save on Sportage insurance. If you find a better price, make sure there is no coverage gap between policies.
  4. Tell your current company of your intention to cancel your existing policy and submit the required down payment along with the signed application for the new coverage. Make sure you safely store the certificate verifying coverage somewhere easily accessible.

One important bit of advice is to try to use similar deductibles and liability limits on each price quote and and to get price quotes from as many auto insurance providers as possible. Doing this enables a fair price comparison and the best price selection.

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