Car Insurance Quotes for a Kia Sportage in Seattle

Are you searching for cheaper Kia Sportage insurance in Seattle? If online car insurance comparisons are new to you, by this point your are probably baffled thanks to the huge assortment insurance agents and companies who claim to have the best car insurance rates.

Unthinkable but true, about 70% of customers kept their coverage with the same car insurance company for over three years, and 38% of customers have never compared rate quotes at all. Seattle drivers could save themselves about 40% a year just by comparing rates, but most undervalue the rate savings if they changed companies.

How much does Kia Sportage insurance in Seattle, WA cost?

All major auto insurance companies such as State Farm, Allstate and GEICO allow you to get prices for coverage direct online. Getting online rates for Kia Sportage insurance in Seattle is quite easy because you just enter your personal and coverage information into a form. Once you submit the form, their system makes automated requests for information on your driving record and credit history and gives you a price quote based on the information you submitted.

The ability to get online rates for Kia Sportage insurance in Seattle simplifies rate comparisons, and it’s necessary to compare as many rates as possible if you want to get cheap rates.

If you want to find out how much you can save on auto insurance, compare rates now from the companies shown below. If you currently have coverage, we recommend you type in deductibles and limits just like they are on your policy. Doing this guarantees you will receive a rate comparison for exact coverage.

The companies shown below have been selected to offer price comparisons in Washington. If multiple providers are shown, we recommend you get prices from several of them to find the most competitive car insurance rates.

Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Premium costs do not factor in your specific Seattle location which can raise or lower price quotes noticeably.

Analysis of deductible levels

When shopping for car insurance, a common question is which deductibles should you choose. The premium rates below can help you visualize how much more rates are between high and low physical damage deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second rate table uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Price information does not factor in specific zip code location which can influence rates noticeably.

We can estimate from the data above that using a $250 deductible costs an average of $10 more each month or $120 annually than selecting the higher $500 deductible. Because you would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you go more than 25 months between claims, you would probably be better off by selecting a higher deductible.

Car insurance cost for men versus women

The chart below compares Kia Sportage car insurance costs for male and female drivers. The premiums are based on no claims or driving citations, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no additional discounts are factored in.

Choosing Sportage insurance is an important decision

Even though it can be expensive, buying car insurance serves a purpose in several ways.

• The majority of states have compulsory liability insurance requirements which means state laws require a specific level of liability insurance in order to be legal. In Washington 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.
• If you bought your vehicle with a loan, it’s guaranteed your bank will require that you buy insurance to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank may buy a policy for your Kia at a much higher rate and force you to pay a much higher amount than you were paying before.
• Car insurance preserves not only your vehicle but also your assets. It will also pay for medical expenses that are the result of an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, your car insurance policy will pay to repair the damage.

The benefits of having insurance more than cancel out the cost, specifically if you ever have a liability claim. As of last year, the average driver in Washington overpays as much as $810 a year so you should quote your policy with other companies at least once a year to be sure current rates are still competitive.

Affordable rates on Kia Sportage insurance in Seattle with these discounts

Insuring your fleet can be pricey, but you might be missing out on some discounts that can help lower your rates. Some discounts will apply at the time of quoting, but some may not be applied and must be inquired about before you get the savings.

• Passenger Safety Discount – Cars that have air bags and/or automatic seat belt systems may qualify for discounts as much as 30%.
• Discount for Swiching Early – Some larger companies provide a discount for signing up early. This discount can save up to 10%.
• Good Student Discount – Being a good student may save as much as 25% on a Seattle car insurance quote. You can use this discount normally until age 25.
• E-sign Discounts – A few companies will give you a small discount shop Seattle car insurance on the internet.
• Bundled Policy Discount – When you have multiple policies with one insurance company you may earn at least 10% off all policies.
• Anti-lock Brake System – Vehicles with ABS and/or traction control can reduce accidents so companies give up to a 10% discount.
• Distant Student Discount – Older children who live away from home to go to college and leave their car at home can receive lower rates.
• Accident Waiver – Not a discount per se, but companies like GEICO and Liberty Mutual will allow you to have one accident before they charge you more for coverage with the catch being you have to be claim-free for a particular time prior to the accident.
• Active Military Service – Having a family member in the military could qualify you for better premium rates.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Some only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way.

For a list of providers with discount rates in Washington, click here to view.

Local Seattle insurance agencies

A lot of people just prefer to have an agent’s advice and often times that is recommended The best thing about getting free rate quotes online is the fact that drivers can get cheap rate quotes and still have an agent to talk to.

To find an agent, once you fill out this simple form, your information is transmitted to insurance agents in Seattle who can give free rate quotes for your car insurance coverage. You don’t have to search for any insurance agencies because quoted prices will be sent to you directly. You can get cheaper car insurance rates and an insurance agent to talk to. In the event you want to get a comparison quote for a specific company, feel free to search and find their rate quote page to submit a rate quote request.

Finding the right company requires you to look at more than just a cheap quote. Below are some questions you should ask.

• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Which insurance company do they prefer to write with?
• Can you choose the body shop in case repairs are needed?
• Are there any extra charges for paying monthly?
• Can glass claims be handled at your home?
• Has the agent ever had any license suspensions?

If you are searching for a good insurance agency, you must know there are a couple different agency structures that you can select. Car insurance agents are categorized either exclusive agents or independent agents.

Exclusive Car Insurance Agencies

Exclusive agents can usually just insure with one company like Allstate, State Farm and Farm Bureau. They usually cannot compare other company’s rates so if the price isn’t competitive there isn’t much they can do. These agents are usually well trained on the products they sell which helps overcome the inability to quote other rates. Some consumers prefer to buy from the same agent for years partially due to loyalty to the company instead of buying on price only.

The following are exclusive agencies in Seattle who may provide you with rate quotes.

• Chuck McFarland – State Farm Insurance Agent
  9776 Holman Rd NW #107 – Seattle, WA 98117 – (206) 788-4640 – View Map
• Olivia Crelencia – State Farm Insurance Agent
  502 Rainier Ave S Ste 102 – Seattle, WA 98144 – (206) 725-2424 – View Map
• Allstate Insurance: Carmelita Strong
  5959 Martin Luther King Jr Way S – Seattle, WA 98118 – (206) 725-8969 – View Map

View more Seattle agents

Independent Agents (or Brokers)

Independent agencies are appointed with more than one company so they can quote policies through many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your policy is moved internally and the insured can keep the same agent.

When comparing rates, you definitely need to include price quotes from at a minimum one independent agency in order to have the best price comparison. Many write coverage with companies that do not advertise much which may have better rates.

Shown below is a short list of independent insurance agents in Seattle willing to provide rate quotes.

• BGI Agency Network Inc
  4634 E Marginal Way S C 140 – Seattle, WA 98134 – (206) 682-9990 – View Map
• Seattle Insurance
  2414 SW Andover St – Seattle, WA 98106 – (206) 937-4613 – View Map
• Roy Potter Insurance
  412 Queen Anne Ave N – Seattle, WA 98109 – (206) 284-0470 – View Map

View more Seattle agents

Insurance agents can help

When it comes to buying a policy for your personal vehicles, there really is not a best way to insure your cars. You are unique and a cookie cutter policy won’t apply.
For instance, these questions can aid in determining whether your personal situation might need professional guidance.

• Is water damage covered by my policy?
• Is my business laptop covered if it gets stolen from my vehicle?
• When should I buy a commercial auto policy?
• Do I need to file an SR-22 for a DUI in Washington?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Are there companies who specialize in insuring high-risk drivers?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Smart consumers save more

Some companies do not provide rates over the internet and most of the time these regional insurance providers prefer to sell through independent insurance agencies. Cheaper car insurance in Seattle is possible online in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best price selection to choose from.

We just covered a lot of information how to find cheap Kia Sportage insurance in Seattle. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the best price on car insurance is with the smaller companies. Some small companies may have significantly lower premium rates on certain market segments than their larger competitors like Allstate, GEICO and Progressive.

To read more, link through to the resources below:

• Senior Drivers (Insurance Information Institute)
• Choosing an Insurance Company (Insurance Information Institute)
• Electronic Stability Control FAQ (iihs.org)
• Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)