Kia Sportage Insurance Quotes in Columbus

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It's easy to assume that insurance companies don't want their policyholders to compare prices. People who get comparison quotes once a year are likely to switch companies because there are good odds of finding more affordable rates. Surprisingly, a recent survey revealed that people who shopped around annually saved $860 a year compared to policyholders who never shopped around.

If finding the cheapest price for car insurance in Columbus is why you're reading this, then knowing how to find and compare coverages can save money and time.

Insurance rates Kia Sportage in ColumbusThe most effective way to find low-cost prices for Kia Sportage insurance is to begin comparing prices regularly from insurance carriers that sell auto insurance in Columbus. Drivers can shop around by following these guidelines.

  • First, try to comprehend what coverages are included in your policy and the modifications you can make to prevent expensive coverage. Many factors that cause rate increases like your driving record and a not-so-good credit rating can be eliminated by making small lifestyle or driving habit changes.
  • Second, request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from a single company like GEICO or Farmers Insurance, while agents who are independent can quote rates from multiple insurance companies.
  • Third, compare the new rates to your current policy and see if there is a cheaper rate. If you can save some money and make a switch, make sure there is no coverage gap between policies.

One piece of advice is to try to compare similar limits and deductibles on every price quote and and to get rates from as many companies as feasibly possible. Doing this provides the most accurate price comparison and plenty of rates choose from.

The quickest method we recommend to compare insurance rates in your area is to know the fact auto insurance companies participate in a system to give free rates quotes. To begin a comparison, all you need to do is give them rating details like if a SR-22 is required, if you have a valid license, your credit rating estimate, and coverage limits. Your information is submitted instantly to multiple insurance providers and you receive quotes almost instantly.

To start a quote now, click here and enter your zip code.

The following companies are ready to provide free quotes in Ohio. If the list has multiple companies, we suggest you visit as many as you can in order to get a fair rate comparison.

Kia Sportage coverage analysis

The rate table below covers a range of insurance prices for Kia Sportage models. Learning a little about how premiums are calculated helps drivers make smart choices when choosing a car insurance company.

Kia Sportage Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $108 $152 $298 $18 $88 $664 $55
Sportage LX 2WD 4-Dr $108 $152 $298 $18 $88 $664 $55
Sportage EX 2WD 4-Dr $124 $186 $298 $18 $88 $714 $60
Sportage LX 4WD 4-Dr $124 $186 $298 $18 $88 $714 $60
Sportage LX $124 $186 $298 $18 $88 $714 $60
Sportage EX 4WD 4-Dr $124 $186 $298 $18 $88 $714 $60
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Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Premium amounts do not factor in Columbus location which can increase or decrease insurance rates considerably.

Higher deductibles lower rates

The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The following tables can help you understand the rate differences when you choose different physical damage deductibles. The first rate comparisons uses a $100 deductible and the second rate chart uses a $1,000 deductible.

Kia Sportage insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $170 $290 $226 $14 $68 $793 $66
Sportage LX 2WD 4-Dr $170 $290 $226 $14 $68 $793 $66
Sportage EX 2WD 4-Dr $196 $352 $226 $14 $68 $881 $73
Sportage LX 4WD 4-Dr $196 $352 $226 $14 $68 $881 $73
Sportage LX $196 $352 $226 $14 $68 $881 $73
Sportage EX 4WD 4-Dr $196 $352 $226 $14 $68 $881 $73
Get Your Own Custom Quote Go
Kia Sportage insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $94 $152 $226 $14 $68 $554 $46
Sportage LX 2WD 4-Dr $94 $152 $226 $14 $68 $554 $46
Sportage EX 2WD 4-Dr $108 $186 $226 $14 $68 $602 $50
Sportage LX 4WD 4-Dr $108 $186 $226 $14 $68 $602 $50
Sportage LX $108 $186 $226 $14 $68 $602 $50
Sportage EX 4WD 4-Dr $108 $186 $226 $14 $68 $602 $50
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Table data does not factor in specific zip code location which can alter premiums noticeably.

Using the data above, we can ascertain that using a $100 deductible could cost the average driver approximately $22 more each month or $264 annually than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 41 months between claims, you would probably come out ahead if you elect the higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $100 deductibles: $71
Average monthly premium for $1,000 deductibles (subtract): - $49
Monthly savings from raising deductible: $22
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 41 months

The information below demonstrates how choosing different deductibles and can affect Kia Sportage yearly insurance costs for different age categories. The premiums assume a single male driver, comprehensive and collision coverage, and no discounts are factored in.

Local agents and car insurance

Some consumers just prefer to sit down with an agent and often times that is recommended One of the great benefits of getting online price quotes is you may find cheap rate quotes but still work with a licensed agent.

Insurance agents in ColumbusFor easy comparison, once you complete this form (opens in new window), your coverage information gets sent to participating agents in Columbus who will give you bids to get your business. There is no reason to visit any agencies due to the fact that quote results will go straight to your inbox. You can find the lowest rates without the usual hassles of price shopping. If for some reason you want to get a rate quote from a specific company, feel free to find their quoting web page and fill out the quote form the provide.

Picking the best insurance company needs to be determined by more than just a cheap quote. Any good agent in Columbus should know the answers to these questions.

  • Does the company have a solid financial rating?
  • Which members of your family are coverage by the policy?
  • Do they specialize in personal lines coverage in Columbus?
  • Will the agent help in case of a claim?
  • Are aftermarket or OEM parts used to repair vehicles?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Can you contact them at any time?
  • Where would your vehicle be repaired?

Different types of Columbus car insurance agents

If you want a local Columbus insurance agency, there are a couple of types of insurance agents from which to choose. Agents in Columbus can be categorized as either independent or exclusive depending on the company they work for.

Exclusive Car Insurance Agents

These agents can only provide pricing for a single company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. Exclusive agents are well schooled on sales techniques which helps overcome the inability to quote other rates.

Listed below is a short list of exclusive agencies in Columbus that can give you price quotes.

50 Northwoods Blvd - Columbus, OH 43235 - (614) 888-5830 - View Map

5871 Cleveland Ave - Columbus, OH 43231 - (614) 891-2886 - View Map

Ted Briggs - State Farm Insurance Agent
2545 Petzinger Rd L - Columbus, OH 43209 - (614) 235-6667 - View Map

More Columbus agents

Independent Insurance Agents

Agents that choose to be independent do not have single company limitations and that enables them to quote your coverage with a variety of different insurance companies and find the cheapest rate. To move your coverage to a new company, they simply move your policy to a different company which makes it simple for you.

When comparing car insurance rates, it's recommended you compare quotes from multiple independent agents so that you can do a thorough price comparison.

Shown below is a list of independent agents in Columbus that are able to give price quotes.

1000 Georgesville Rd - Columbus, OH 43228 - (614) 276-7821 - View Map

4161 N High St - Columbus, OH 43214 - (614) 267-1269 - View Map

1827 O Brien Rd - Columbus, OH 43228 - (614) 777-8200 - View Map

More Columbus agents