Affordable Insurance for a Kia Sportage in Albuquerque

It’s an obvious assumption that car insurance companies want to keep you from comparing rates. Drivers who compare other prices are likely to buy a different policy because there is a high probability of finding a more affordable policy. A recent car insurance study revealed that people who regularly compared rates saved approximately $865 a year compared to policyholders who don’t regularly compare prices.

If finding the best rates on Kia Sportage insurance is the reason you’re reading this, learning how to quote and compare cheaper coverage can help you be more efficient.

Insurance quote for Kia Sportage in AlbuquerqueIf you want to save the most money, the best way to find affordable auto insurance rates is to compare quotes once a year from companies in Albuquerque. You can shop around by following these steps.

First, spend some time learning about how companies set rates and the modifications you can make to keep rates down. Many factors that cause high rates such as traffic citations, accidents, and a negative credit history can be remedied by paying attention to minor details.

Second, compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from a single company like GEICO and State Farm, while independent agencies can give you price quotes from many different companies.

Third, compare the new quotes to your current policy to see if a cheaper rate is available. If you find better rates and change companies, make sure there is no coverage gap between policies.

Fourth, give notification to your agent or company to cancel your existing policy. Submit a down payment along with a completed application to the new insurer. Immediately keep your new proof of insurance paperwork in an easily accessible location.

A good tip to remember is to compare identical deductibles and limits on every quote request and and to get prices from as many different insurance providers as possible. This enables a fair price comparison and a complete selection of prices.

Companies offering Kia Sportage insurance in New Mexico

The companies shown below are ready to provide price quotes in Albuquerque, NM. If you want to find cheap car insurance in New Mexico, we suggest you visit as many as you can to get a more complete price comparison.

Rates and statistics

The rate information displayed next showcases a range of insurance policy prices for Kia Sportage models. Being more informed about how car insurance premiums are determined can assist in making informed purchases.

Kia Sportage Insurance Rates in Albuquerque, NM
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $234 $404 $328 $20 $98 $1,084 $90
Sportage LX 2WD 4-Dr $234 $404 $328 $20 $98 $1,084 $90
Sportage EX 2WD 4-Dr $268 $490 $328 $20 $98 $1,204 $100
Sportage LX 4WD 4-Dr $268 $490 $328 $20 $98 $1,204 $100
Sportage LX $268 $490 $328 $20 $98 $1,204 $100
Sportage EX 4WD 4-Dr $268 $490 $328 $20 $98 $1,204 $100
Get Your Own Custom Quote Go

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New Mexico minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Table data does not factor in specific Albuquerque garaging location which can affect auto insurance rates greatly.

Policy deductibles

When buying auto insurance, a common question is how high should the deductibles for physical damage be. The data tables below may aid in understanding the rate fluctuation when you choose different comp and collision deductibles. The first rate estimation uses a $100 physical damage deductible and the second rate table 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 $242 $412 $322 $20 $96 $1,117 $93
Sportage LX 2WD 4-Dr $242 $412 $322 $20 $96 $1,117 $93
Sportage EX 2WD 4-Dr $278 $500 $322 $20 $96 $1,241 $103
Sportage LX 4WD 4-Dr $278 $500 $322 $20 $96 $1,241 $103
Sportage LX $278 $500 $322 $20 $96 $1,241 $103
Sportage EX 4WD 4-Dr $278 $500 $322 $20 $96 $1,241 $103
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 $176 $278 $322 $20 $96 $892 $74
Sportage LX 2WD 4-Dr $176 $278 $322 $20 $96 $892 $74
Sportage EX 2WD 4-Dr $202 $338 $322 $20 $96 $978 $82
Sportage LX 4WD 4-Dr $202 $338 $322 $20 $96 $978 $82
Sportage LX $202 $338 $322 $20 $96 $978 $82
Sportage EX 4WD 4-Dr $202 $338 $322 $20 $96 $978 $82
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Mexico minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in the specific area where the vehicle is garaged which can increase or decrease rates significantly.

We can derive from the above data that using a $100 deductible will cost you roughly $21 more each month or $252 a year than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 19 months between claim filings, you would save money by going with a higher deductible.

Male drivers compared to female drivers in Albuquerque

The example below shows the comparison of Kia Sportage insurance prices for male and female drivers. The information is based on no claims or violations, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are factored in.

Should you buy full coverage?

The diagram below illustrates the comparison of Kia Sportage insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no claims or driving violations, $100 deductibles, single status, and no policy discounts are applied.

Guidelines for dropping full coverage

There is no exact rule to delete full coverage on your policy, but there is a general school of thought. If the annual cost of coverage is 10% or more of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Kia Sportage settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $6,000 after the policy deductible has been paid. If you are paying more than $600 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are some circumstances where dropping full coverage is not recommended. If you haven’t satisfied your loan, you are required to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not opt for liability only.

Kia Sportage Insurance Costs Can Be More Affordable

Consumers need to have an understanding of some of the factors that aid in calculating your insurance rates. If you have some idea of what impacts premium levels, this allows you to make educated decisions that can help you get big savings.

Take policy discounts and save on Kia Sportage insurance in Albuquerque

Insuring your vehicles can cost a lot, but you might find some hidden discounts that can help lower your rates. Certain reductions will be credited at the time you complete a quote, but once in a while a discount must be asked about before you get the savings.Cheaper insurance with discounts

Don’t be shocked that most discounts do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates you can get free auto insurance, company stockholders wouldn’t be very happy.

The example below shows the difference between Kia Sportage insurance costs with and without discounts applied to the rates. Data assumes a female driver, no claims, a clean driving record, New Mexico state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, multi-policy, homeowner, and safe-driver discounts applied.

Popular insurance companies and a partial list of their discounts are included below.

If you want affordable Kia Sportage insurance quotes, ask every insurance company which credits you are entitled to. Some discounts may not apply to policies everywhere. If you would like to choose from a list of insurance companies that offer multiple discounts in Albuquerque, follow this link.

Neighborhood Albuquerque auto insurance agents

Many people would rather visit with an insurance agent and that is OK! Most agents are trained risk managers and help file insurance claims. The best thing about comparing insurance prices online is the fact that you can find cheap rate quotes and still buy from a local agent. Buying insurance from local insurance agencies is important particularly in Albuquerque.

Albuquerque insurance agentsTo help locate an agent, after submitting this quick form, your insurance coverage information is emailed to participating agents in Albuquerque who will give you bids for your insurance coverage. You don’t have to leave your computer since price quotes are sent straight to your inbox. If you wish to get a comparison quote from a specific insurance company, feel free to search and find their rate quote page and fill out the quote form the provide.

When looking for local Albuquerque agents, you must know there are a couple types of agencies and how they can quote your rates. Insurance agents in Albuquerque are classified as either exclusive or independent agents depending on their company appointments. Both properly insure your vehicles, but it’s worth learning the differences since it can impact the type of agent you choose.

Independent Insurance Agents

Independent agencies do not write with just one company so they can write business with an assortment of companies and help determine which has the cheapest rates. If you want to switch companies, the agent simply finds a different carrier and you can keep the same agent. If you need lower rates, you will definitely want to compare quotes from several independent insurance agents for maximum quote selection.

Listed below is a short list of independent agencies in Albuquerque who may provide comparison quotes.

4333 Pan American FwyAlbuquerque, NM 87107(505) 247-0444View Map

2116 Vista Oeste NW Bldg 5Albuquerque, NM 87120(505) 883-3683View Map

6101 Moon St NE #1000Albuquerque, NM 87111(505) 822-8114View Map

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Exclusive Agents

Exclusive agents can only write with one company like Allstate, Farmers Insurance or State Farm. Exclusive agents are unable to provide rate quotes from other companies so you might not find the best rates. Exclusive agents are usually well trained on their products and sales techniques and that enables them to sell even at higher rates.

Below is a list of exclusive agencies in Albuquerque who can help you get price quotes.

8101 San Pedro Dr NE, Ste C1Albuquerque, NM 87113(505) 881-5056View Map

5921 Lomas Blvd NE aAlbuquerque, NM 87110(505) 255-8676View Map

1111 Alameda Blvd NWAlbuquerque, NM 87114(505) 898-2356View Map

More insurance agents

Picking the best auto insurance agent shouldn’t rely on just the premium amount. These are some questions you should get answers to.

Best car insurance company in Albuquerque

Ending up with the best insurer can be difficult considering how many companies sell insurance in Albuquerque. The information displayed below can help you choose which providers you want to consider when shopping your coverage around.

Best Car Insurance Companies in Albuquerque
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
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Data Source: Best Car Insurance Companies

Insurance agents can help

When buying insurance from an agent or online for your vehicles, there really isn’t a “best” method to buy coverage. Everyone’s situation is a little different and your car insurance should be unique as well.Safe vehicles cost less to insure
Here are some questions about coverages that might help in determining if you will benefit from professional help.

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Affordable car insurance premiums are possible

When buying insurance coverage, do not buy poor coverage just to save money. Too many times, consumers will sacrifice collision coverage and found out when filing a claim that it was a big mistake. Your goal should be to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

We just showed you some good ideas how you can shop for Kia Sportage insurance online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting inexpensive Albuquerque auto insurance quotes. Drivers may even discover the best premium rates are with some of the lesser-known companies. These companies can often insure niche markets at a lower cost compared to the large companies like Allstate, GEICO and Progressive.

Additional car insurance information is located below: