Trying to find the cheapest Kia Sportage insurance in Atlanta? Have you had enough of sacrificing each month for auto insurance? You are in the same boat as many other Georgia drivers.
A recent survey discovered that the vast majority of auto insurance customers in Georgia have remained with the same auto insurance company for at least the last four years, and almost 40% of drivers have never compared rates to find cheap insurance. Most drivers in the U.S. could cut their rates by $860 a year just by comparing rates, but they assume it’s a waste of time to find cheap auto insurance rates. Big-name insurance companies like GEICO, Farmers Insurance and State Farm constantly blast consumers with advertising and it is difficult to see past the geckos and flying pigs and do the work needed to find the best deal.
It’s a great practice to get comparison quotes quite often because insurance rates change regularly. Despite the fact that you may have had the best rate on Kia Sportage insurance in Atlanta two years ago there may be better deals available now. You can find a lot of misleading information regarding Sportage insurance online but in this article, you’re going to get some of the best ways to slash your auto insurance rates in Atlanta.
If you are already insured or want to find a cheaper company, use these techniques to cut your premiums while maximizing coverage. Choosing the best rates in Atlanta is not that difficult. Consumers just need to know the most effective way to find the lowest price using one simple form.
Finding cheaper Kia Sportage car insurance rates can be surprisingly simple. You just need to take time comparing rates to see which company has affordable Atlanta auto insurance quotes.
Doing online quotes comparisons is so easy that it replaces the need to drive to local Atlanta insurance agencies. Shopping for car insurance online makes this unnecessary unless you have a complicated situation and need the trained advice of a local Atlanta agent. It is possible with some companies price shop your coverage online but purchase the actual policy in an agency.
The providers in the list below are ready to provide comparison quotes in Atlanta, GA. If the list has multiple companies, we recommend you visit as many as you can in order to find the most competitive rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $208 | $332 | $402 | $24 | $120 | $1,086 | $91 |
| Sportage LX 2WD 4-Dr | $166 | $282 | $370 | $22 | $110 | $950 | $79 |
| Sportage EX 2WD 4-Dr | $212 | $404 | $414 | $24 | $124 | $1,178 | $98 |
| Sportage LX 4WD 4-Dr | $332 | $704 | $476 | $28 | $142 | $1,682 | $140 |
| Sportage LX | $262 | $502 | $414 | $24 | $124 | $1,326 | $111 |
| Sportage EX 4WD 4-Dr | $328 | $600 | $402 | $24 | $120 | $1,474 | $123 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Premium costs do not factor in specific garaging location which can modify coverage prices considerably.
Deductible comparison
When comparing car insurance rates, the most common question is where should you set your physical damage deductibles. The data tables below can help show how much more you’ll pay when you buy lower versus higher insurance deductibles. The first rate table uses a $250 physical damage coverage deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $264 | $420 | $394 | $24 | $118 | $1,245 | $104 |
| Sportage LX 2WD 4-Dr | $264 | $420 | $394 | $24 | $118 | $1,245 | $104 |
| Sportage EX 2WD 4-Dr | $304 | $512 | $394 | $24 | $118 | $1,377 | $115 |
| Sportage LX 4WD 4-Dr | $304 | $512 | $394 | $24 | $118 | $1,377 | $115 |
| Sportage LX | $304 | $512 | $394 | $24 | $118 | $1,377 | $115 |
| Sportage EX 4WD 4-Dr | $304 | $512 | $394 | $24 | $118 | $1,377 | $115 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $216 | $340 | $394 | $24 | $118 | $1,092 | $91 |
| Sportage LX 2WD 4-Dr | $216 | $340 | $394 | $24 | $118 | $1,092 | $91 |
| Sportage EX 2WD 4-Dr | $248 | $414 | $394 | $24 | $118 | $1,198 | $100 |
| Sportage LX 4WD 4-Dr | $248 | $414 | $394 | $24 | $118 | $1,198 | $100 |
| Sportage LX | $248 | $414 | $394 | $24 | $118 | $1,198 | $100 |
| Sportage EX 4WD 4-Dr | $248 | $414 | $394 | $24 | $118 | $1,198 | $100 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in specific Atlanta garaging location which can affect insurance rates considerably.
Using the data above, we can ascertain that using a $250 deductible costs roughly $14 more each month or $168 each year than buying the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average more than 18 months between claims, you would save more money if you choose the higher deductible.
Rate comparison of full coverage and liability-only
The chart below illustrates the difference between Kia Sportage insurance prices with full physical damage coverage compared to only buying liability only. The data is based on no tickets, no at-fault accidents, $1,000 deductibles, single male driver, and no discounts are taken into consideration.
Deciding between full coverage and liability only
There is no clear-cut rule to eliminate comp and collision coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.
For example, let’s say your Kia Sportage claim settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $3,000 after the policy deductible has been paid. If it’s costing you more than $300 annually for comprehensive and collision coverage, then it could be time to drop full coverage.
There are some situations where dropping full coverage is not a good plan. If you still owe money on your vehicle, 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 consider dropping full coverage.
How violations and accidents impact rates
The chart below shows how speeding tickets and fender-benders influence Kia Sportage insurance rates for different age groups of insureds. The premiums assume a married female driver, full coverage, $500 deductibles, and no policy discounts are applied.
Affordable rates on Kia Sportage insurance in Atlanta with these auto insurance discounts
The cost of insuring your cars can be expensive, but you might already qualify for some discounts that can drop the cost substantially. Certain discounts will be applied at the time you complete a quote, but occasionally some discounts must be inquired about prior to receiving the credit.
- Switch and Save Discount – Select insurance companies give a discount for buying a policy early. You can save around 10% with this discount.
- Save with a New Car – Insuring a vehicle that is new may earn a small discount compared to insuring an older model.
- Active Military Service – Having a deployed family member could qualify you for better prices.
- Good Student – A discount for being a good student may save as much as 25% on a Atlanta auto insurance quote. Most companies allow this discount up to age 25.
- Driver’s Education for Students – It’s a good idea to have your young drivers successfully take a driver’s education course if offered at their school.
- Discounts for Responsible Drivers – Drivers who don’t get into accidents can save as much as half off their rates than drivers with accidents.
- Seat Belt Usage – Drivers who require all occupants to buckle up can save a little off the medical payments premium.
- Life Insurance Discount – Auto insurance companies who offer life insurance give a small discount if you purchase life insurance.
Consumers should know that some credits don’t apply to all coverage premiums. Some only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.
Some companies that may offer quotes with these discounts possibly include:
Check with all companies you are considering what discounts are available to you. Some of the earlier mentioned discounts might not be offered on policies in Atlanta. For a list of providers that offer many of these discounts in Atlanta, click this link.
Insurance Rate Influencing Factors
Part of the car insurance buying process is learning some of the things that help determine the price you pay for car insurance. When consumers understand what impacts premium levels, this empowers consumers to make smart changes that could result in much lower annual insurance costs.
High premiums for youthful drivers – More experienced drivers are more responsible, cause fewer claims and accidents, and usually have better credit.Youthful drivers tend to be careless and easily distracted when driving therefore car insurance rates are much higher.
Bad drivers pay high prices – Having a clean driving record impacts premiums far more than you think. Even a single chargeable violation can increase rates substantially. Good drivers get better prices compared to drivers with tickets. Drivers unfortunate enough to have multiple violations like hit and run, DWI or reckless driving convictions are required to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
Low deductibles can be expensive – Physical damage deductibles represent how much money you are willing to pay if a claim is determined to be covered. Protection for physical damage, also called comprehensive and collision insurance, insures against damage to your car. Some instances where coverage would apply are rearending another vehicle, animal collisions, and damage caused by road hazards. The more the insured is willing to pay, the lower your rates will be.
Fewer miles means better costs – The more you drive your Kia annually the more you’ll pay to insure your vehicle. A lot of insurance companies calculate prices based upon how much you drive. Cars and trucks that have low annual miles receive lower rates compared to those used for work or business. An incorrectly rated Sportage is throwing money out the window. It’s a smart idea to ensure your vehicle rating states how each vehicle is driven.
Location can influence price – Choosing to live in a small town has definite advantages when talking about car insurance. People in densely populated areas have much more traffic and more time behind the wheel. Lower population means less chance of accidents in addition to fewer liability claims.
Don’t cancel your policy without a new one in place – Driving any period of time without insurance can get you a ticket and you will pay a penalty because you let your coverage have a gap. In addition to paying higher rates, not being able to provide proof of insurance may result in a fine, jail time, or a revoked license.
Only buy coverage you need – Insurance companies have many extra add-on coverages that sound like a good idea at the time on your car insurance policy. Insurance for rental car reimbursement, towing coverage, and Farm Bureau memberships are probably not needed. They may seem good when talking to your agent, but if you’ve never needed them in the past consider taking them off your policy.
Claims statistics for a Kia Sportage – Insurance companies use past loss statistics for each vehicle to determine a rate that will be profitable for them. Vehicles that historically have higher claim amounts or frequency will have higher rates for specific coverages.
The table below illustrates the historical loss data for Kia Sportage vehicles. For each policy coverage type, the statistical loss for all vehicles, regardless of manufacturer or model, is considered to be 100. Values that are below 100 indicate better than average losses, while percentages above 100 indicate frequent claims or statistically larger losses.
Insurance Loss Ratings for Kia Sportage Vehicles
| 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 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insurance agencies are trained to help
Many people just want to go talk to an agent and doing that can be a smart decision Agents will help you protect your assets and help in the event of a claim. A nice benefit of comparing car insurance online is that you can obtain lower rates and still have a local agent.
Upon completion of this short form, your coverage information is immediately sent to insurance agents in Atlanta that can give you free Atlanta auto insurance quotes for your car insurance coverage. You never need to contact any insurance agencies because quoted prices will be sent immediately to your email address. If for some reason you want to compare rates from a specific insurance company, you just need to search and find their rate quote page and give them your coverage information.
Finding the right provider should include more criteria than just a cheap price quote. A good agent in Atlanta will have answers to these questions.
- Are claim adjusters local or do you have to take your car somewhere else?
- Will you get a loaner vehicle if you car is being repaired?
- Are there any discounts for paying up front?
- Do they make recommendations based only on price?
- Will you work with the agent or an assistant?
- How is replacement cost determined on your vehicle?
- How will an accident affect your rates?
- Does the agency support the community they serve?
Atlanta car insurance agents are either independent or exclusive
If you are wanting to find a local insurance agency, you need to know there are two different agency structures to choose from. Agents can be categorized as either exclusive or independent. Either one can sell affordable car insurance policies, but it’s a good idea to understand the difference between them because it can impact buying decisions.
Exclusive Car Insurance Agencies
Exclusive agents can only provide one company’s prices and examples are Allstate, State Farm and Farm Bureau. These agents are unable to give you multiple price quotes so keep that in mind. Exclusive agencies are well schooled on their company’s products which helps overcome the inability to quote other rates.
The following is a short list of exclusive agents in Atlanta who can help you get rate quotes.
Dana Shivalier – State Farm Insurance Agent
1544 Piedmont Ave NE #107 – Atlanta, GA 30324 – (404) 892-0101 – View Map
Phyllis Mitchell – State Farm Insurance Agent
1442 Dresden Dr NE #253 – Atlanta, GA 30319 – (404) 812-9951 – View Map
Allstate Insurance: Douglas Hollis
2195 Fairburn Rd SW – Atlanta, GA 30331 – (404) 629-1510 – View Map
Independent Car Insurance Agents
Agents of this type do not sell for just one brand so they can write business with any number of different companies and possibly get better coverage at lower prices. If prices rise, an independent agent can move your coverage without you having to go to a different agency.
When comparing car insurance prices, we recommend you get quotes from a couple of independent agencies for the best price selection.
Below is a short list of independent insurance agencies in Atlanta willing to provide rate quotes.
White and White Insurance
2882 E Point St – Atlanta, GA 30344 – (404) 766-9390 – View Map
Morris and Templeton Insurance
3405 Piedmont Rd NE #500 – Atlanta, GA 30305 – (912) 355-4549 – View Map
Access General Agency Inc
1627 Peachtree St NE – Atlanta, GA 30309 – (404) 817-9744 – View Map
Upon receiving good responses to all your questions as well as a affordable price, you may have found a car insurance agent that is a good match to insure your vehicles. Keep in mind it’s your coverage and you can terminate coverage when you choose so never assume that you’re stuck with the car insurance policy with no way out.
Which is the best auto insurance?
When choosing coverage online or from an agent, there really is no single plan that fits everyone. Your situation is unique and your auto insurance should unique, too.
These are some specific questions can aid in determining if your insurance needs may require specific advice.
- When should I not file a claim?
- Can good grades get a discount?
- What if I don’t agree with a claim settlement offer?
- When should my teen driver be added to my policy?
- Do I need special endorsements for business use of my vehicle?
- Do all my vehicles need collision coverage?
- Should I have a commercial auto policy?
If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.
Well known brands might not be cheapest
Consumers in Georgia can’t get away from all the ads that promise big savings for switching from companies such as State Farm and Allstate. All the companies say the same thing that you can save if you get a free Atlanta auto insurance quote and switch your auto insurance coverage to their company.
How do they all lower your prices? Just pay attention to how they say it.
All the different companies quote the lowest rates for the driver that will most likely be profitable. A good example of this type of driver could be over the age of 50, carries high limits, and has excellent credit. Anybody that hits that “sweet spot” may get the lowest rates in Atlanta and is almost guaranteed to save if they switch.
Insureds who don’t meet the ideal profile will see a higher rate with the end result being the customer buying from someone else. The trick is to say “people that switch” not “everyone that quotes” will save that much if they switch. This is how insurance companies can confidently make it sound like they have such great prices. This really emphasizes why drivers should compare quotes as often as possible. It is just not possible to predict which insurance companies will give you lower premium rates than your current company.
Quote often and quote early
As you go through the steps to switch your coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped physical damage coverage to discover at claim time they didn’t purchase enough coverage. The ultimate goal is to find the BEST coverage at the best cost but still have enough coverage for asset protection.
Cheap Kia Sportage insurance in Atlanta can be bought from both online companies and from local agencies, and you should compare price quotes from both to get a complete price analysis. A few companies may not provide the ability to get quotes online and these regional insurance providers only sell through local independent agents.
Additional learning opportunities
- Vehicle Insurance in the U.S. (Wikipedia)
- How Much are Car Insurance Rates for Government Employees in Atlanta? (FAQ)
- How Much are Car Insurance Quotes for High Risk Drivers in Atlanta? (FAQ)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- What is Covered by GAP Insurance? (Allstate)
- How to shop for a safer car (Insurance Institute for Highway Safety)