Would you like to stop overpaying and find cheaper car insurance rates in Houston, TX? Houston consumers have options when looking for affordable Kia Sportage insurance. They can either waste time contacting agents trying to get quotes or leverage the internet to make rate comparisons. There is a better way to shop for car insurance so you’re going to learn the quickest way to get price quotes for a new or used Kia and get the best price possible from Houston insurance agents and online providers.
It’s a great practice to compare rates occasionally because rates go up and down regularly. Even if you got the best rate on Kia Sportage insurance in Houston on your last policy other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because we’re going to show you the proper way to reduce your cost while increasing coverage.
The fastest way that we advise to compare rate quotes for Kia Sportage insurance in Houston is to understand most insurance companies allow for online access to give rate comparisons. To get started, all you need to do is take a few minutes to give details including the make and model of your vehicles, driver details, if you lease or own, and deductibles desired. Your details is instantly provided to many of the top insurers and you should receive rate quotes with very little delay.
If you wish to get multiple quotes for your Kia Sportage now, click here and complete the quick form.
The companies shown below offer quotes in Houston, TX. If the list has multiple companies, it’s highly recommended you visit as many as you can to find the lowest auto insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $220 | $400 | $430 | $26 | $128 | $1,204 | $100 |
| Sportage LX 2WD 4-Dr | $246 | $476 | $400 | $24 | $120 | $1,266 | $106 |
| Sportage EX 2WD 4-Dr | $254 | $486 | $400 | $24 | $120 | $1,284 | $107 |
| Sportage LX 4WD 4-Dr | $230 | $452 | $496 | $30 | $148 | $1,356 | $113 |
| Sportage LX | $208 | $312 | $500 | $30 | $150 | $1,200 | $100 |
| Sportage EX 4WD 4-Dr | $142 | $266 | $366 | $22 | $110 | $906 | $76 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Information does not factor in specific zip code location which can influence price quotes considerably.
Should you buy full coverage?
The illustration below shows the difference between Kia Sportage yearly insurance costs with and without full coverage. The costs are based on no driving violations, no at-fault accidents, $100 deductibles, single female driver, and no discounts are applied.
When to switch to liability coverage only
There is no exact formula that works best for making the decision to drop full coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
For example, let’s say your Kia Sportage book value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $7,000 after paying your policy deductible. If premium cost is more than $700 annually for your policy with full coverage, then you may need to consider dropping full coverage.
There are a few situations where eliminating full coverage is not a good idea. If you still have a lienholder on your title, you have to keep full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not remove full coverage.
Can higher deductibles save money?
One of the hardest decisions when shopping for auto insurance is how high should the deductibles for physical damage be. The figures shown below summarize the rate differences between high and low policy deductibles. The first set of rates uses a $250 deductible for comp and collision and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $256 | $408 | $382 | $22 | $114 | $1,207 | $101 |
| Sportage LX 2WD 4-Dr | $256 | $408 | $382 | $22 | $114 | $1,207 | $101 |
| Sportage EX 2WD 4-Dr | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Sportage LX 4WD 4-Dr | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Sportage LX | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Sportage EX 4WD 4-Dr | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $208 | $328 | $382 | $22 | $114 | $1,054 | $88 |
| Sportage LX 2WD 4-Dr | $208 | $328 | $382 | $22 | $114 | $1,054 | $88 |
| Sportage EX 2WD 4-Dr | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Sportage LX 4WD 4-Dr | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Sportage LX | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Sportage EX 4WD 4-Dr | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in zip code location which can influence rates greatly.
We can estimate from the data above that using a $250 deductible costs roughly $14 more each month or $168 a year than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 18 months between claims, you would more than likely save some money if you decide on a higher deductible.
Deductible analysis
The illustration below highlights how deductible selection and can impact Kia Sportage insurance costs for different age groups of insureds. The costs are based on a single male driver, full physical damage coverage, and no discounts are applied.
Houston auto insurance discounts
Companies that sell car insurance don’t necessarily list every discount they offer very clearly, so the below list has some of the more common as well as some of the hidden credits available to bring down your rates. If you’re not getting every credit available, you are just wasting money.
- Professional Organizations – Having an affiliation with a professional or civic organization is a simple method to lower premiums when getting a Houston car insurance quote.
- Distant College Student Discount – Older children who attend college more than 100 miles from Houston and won’t have access to an insured vehicle could qualify for this discount.
- Switch and Save Discount – A few larger companies allow discounts for buying a new policy before your current coverage expires. You could save around 10% when you buy Houston car insurance online.
- Federal Employees – Federal government employees may reduce rates when you quote Houston car insurance depending on your company.
- Pay Early and Save – If you pay your entire premium ahead of time rather than paying monthly you can avoid monthly service charges.
- One Accident Forgiven – This one is not really a discount per se, but certain companies will turn a blind eye to one accident without raising rates if your claims history is clear prior to being involved in the accident.
- Smart Student Discounts – Maintaining excellent grades can save 20 to 25%. Most companies allow this discount up until you turn 25.
- Multiple Cars – Having multiple cars with the same company can get a discount for every vehicle.
- Discounts for Safe Drivers – Accident-free drivers can save up to 40% or more on their Houston car insurance quote than drivers with accident claims.
It’s important to note that most discounts do not apply to all coverage premiums. Most only apply to individual premiums such as medical payments or collision. Just because it seems like all the discounts add up to a free policy, companies don’t profit that way.
Some of the insurance companies who may offer some of the above discounts include:
When getting free Houston car insurance quotes, it’s a good idea to all the companies which discounts they offer. Some credits may not be available in Houston. To find insurers with discount rates in Texas, click here to view.
Why auto insurance is not optional
Even though Houston Sportage insurance rates can get expensive, insurance is required in Texas but it also protects you in many ways.
- Almost all states have compulsory liability insurance requirements which means you are required to buy specific limits of liability insurance in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a lien on your Kia Sportage, almost all lenders will have a requirement that you buy full coverage to ensure loan repayment if the vehicle is totalled. If you default on your policy, the bank or lender will purchase a policy for your Kia at an extremely high rate and force you to reimburse them for the much more expensive policy.
- Insurance safeguards not only your car but also your financial assets. Insurance will pay for medical expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of insuring your Sportage definitely exceed the cost, particularly if you ever have a claim. Despite what companies tell you, the average driver is currently overpaying as much as $820 a year so you should quote your policy with other companies at every renewal to ensure rates are inline.
It’s not one size fits all
Keep in mind that when it comes to choosing the best car insurance coverage for your vehicles, there really is no one size fits all plan. Your financial needs are unique.
For example, these questions may help highlight if you may require specific advice.
- Is other people’s property covered if stolen from my vehicle?
- What is an SR-22 filing?
- What can I do if my company won’t pay a claim?
- Is a fancy paint job covered?
- How much cheaper are high deductibles?
- Why am I be forced to buy a membership to get insurance from some companies?
- When should I not file a claim?
- Does my policy pay for OEM or aftermarket parts?
- Is my Kia Sportage covered for smoke damage?
- Do I have newly-aquired coverage?
If you’re not sure about those questions, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and may give you better protection.
Comparing rates from local Houston auto insurance agents
Many drivers still like to get advice from a local agent. Licensed agents are very good at helping people manage risk and help you file claims. One of the great benefits of comparing rate quotes online is the fact that you can find the lowest rates but still work with a licensed agent.
Once you complete this form (opens in new window), your insurance coverage information is submitted to participating agents in Houston who want to provide quotes for your auto insurance coverage. There is no need to do any legwork because quoted prices will be sent immediately to you. If you need to quote rates for a specific company, feel free to jump over to their website and fill out the quote form the provide.
Finding the right company should depend on more than just the premium amount. Any good agent in Houston should know the answers to these questions.
- Do they regularly work with personal auto policies in Houston?
- Will they give you a referral list?
- What will you get paid if your car is a total loss? How is that amount determined?
- Does the agent have a valid license to sell insurance in Texas?
- Do the agents have professional certifications like CPCU or CIC?
- Do they have cheaper tiers of coverage?
Pick the best car insurance agent in Houston for you
If you would like to find a reliable insurance agency, there are a couple of types of insurance agents and how they operate. Agents in Houston are classified as either exclusive agents or independent agents. Both sell and service auto insurance coverage, but we need to point out the differences because it can influence which type of agent you select.
Exclusive Auto Insurance Agents
Agents that elect to be exclusive can only place business with one company and examples are State Farm, Allstate, or Farmers Insurance. These agents are not able to give you multiple price quotes so you might not find the best rates. Exclusive agencies are highly trained on their company’s products which helps them sell on service rather than price. Consumers often use the same agent mainly due to the brand instead of buying on price only.
Shown below is a short list of exclusive insurance agencies in Houston that are able to give price quotes.
- Linda Tuck – State Farm Insurance Agent
2402 Bay Area Blvd g – Houston, TX 77058 – (281) 488-9050 – View Map - State Farm: Jack Wallace
3405 Mercer St – Houston, TX 77027 – (713) 626-7500 – View Map - Jim Webb – State Farm Insurance Agent
8475 Hwy 6 N Ste B – Houston, TX 77095 – (281) 550-2886 – View Map
Independent Auto Insurance Agencies
Agents that elect to be independent are not locked into one company and that enables them to quote your coverage amongst many companies and find the cheapest rate. If your agent finds better pricing, your agent can just switch to a different company which requires no work on your part.
If you are comparing rate quotes, we recommend you contact multiple independent agents in order to compare the most rates. Most can insure with different regional companies that may provide cheaper auto insurance rates.
Shown below is a short list of independent insurance agents in Houston that can give you price quotes.
- Champions Insurance Agency
15327 Gulf Fwy b – Houston, TX 77034 – (281) 484-4870 – View Map - Ken W Taylor Insurance Agency
9405 Huffmeister Rd #110 – Houston, TX 77095 – (281) 345-2580 – View Map - Town and Country Insurance Agency – Houston, TX
10575 Katy Fwy # 150 – Houston, TX 77024 – (713) 461-8979 – View Map