Anyone knows that car insurance companies don’t want you to look at other companies. Insureds who shop around for the cheapest rate will most likely switch companies because there is a good chance of finding more affordable rates. A recent auto insurance study discovered that people who regularly compared rates saved over $860 a year compared to other drivers who don’t make a habit of comparing rates.
If saving the most money on car insurance in Plano is your ultimate target, then having an understanding of how to get price quotes and compare insurance can make it simple to find affordable coverage.
The best way we recommend to get discount auto insurance rates in Plano is to compare prices annually from insurance carriers who sell insurance in Texas. You can compare prices by following these steps.
- Step 1: Try to learn about how auto insurance works and the measures you can control to keep rates low. Many factors that result in higher rates such as accidents, traffic violations, and an unfavorable credit rating can be remedied by improving your driving habits or financial responsibility. Later in this article we will cover information to help reduce premium rates and find overlooked discounts.
- Step 2: Request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from one company like Progressive or Farmers Insurance, while agents who are independent can quote prices from multiple companies.
- Step 3: Compare the quotes to your existing policy and determine if there is any savings. If you find a lower rate quote and decide to switch, ensure coverage does not lapse between policies.
- Step 4: Provide adequate notice to your current company of your intent to cancel your current auto insurance policy and submit a down payment along with a completed application for your new coverage. Once the paperwork is finalized, put the proof of insurance certificate along with your vehicle registration.
A good tip to remember is to compare identical deductibles and limits on every price quote and to quote with as many companies as possible. Doing this enables an apples-to-apples comparison and maximum price selection.
If you are already insured, you will most likely be able to find better prices using the ideas covered in this article. This article will familiarize you with how auto insurance companies operate and how to save the most money. Nevertheless, Texas vehicle owners must understand how companies charge you for coverage and use it to find better rates.
There are several ways to obtain and compare prices from different Plano insurance companies. The best method to find competitive Kia Sportage insurance rates is to jump online and get quotes. When quoting insurance, remember that comparing all the rates in your area helps locate a lower rate than you’re paying now.
The companies shown below are ready to provide free rate quotes in Plano, TX. To find the best cheap car insurance in TX, we suggest you compare several of them in order to find the cheapest rates.
Do you qualify for discounts?
Insurance can be prohibitively expensive, but there could be significant discounts that can dramatically reduce your bill. Many discounts should be triggered at the time of purchase, but some must be specially asked for before they will apply.
- Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you can avoid monthly service charges.
- Senior Discount – Seniors may be able to get a discount up to 10%.
- Home Ownership Discount – Just owning your own home can get you a discount because of the fact that having a home requires a higher level of personal finance.
- Multiple Vehicles – Drivers who insure more than one vehicle with the same car insurance company may reduce the rate for each vehicle.
- Anti-lock Brake System – Cars with ABS braking systems or traction control prevent accidents and the ABS can save up to 10%.
- Telematics Devices – Insureds that choose to allow their company to study driving habits through the use of a telematics system like Allstate’s Drivewise might see lower rates as long as they are good drivers.
- Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings as much as 30%.
- Early Renewal Discounts – Select insurance companies give a discount for renewing your policy prior to your current Sportage insurance policy expiration. You could save around 10% when you buy Plano car insurance online.
- No Claims – Drivers who don’t have accidents can save substantially when compared to accident-prone drivers.
- Defensive Driver Discount – Successfully completing a course in defensive driving may get you a small discount and also improve your driving technique.
A little disclaimer on discounts, some credits don’t apply to the whole policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. Even though the math looks like it’s possible to get free car insurance, car insurance companies aren’t that generous.
The example below shows the comparison of Kia Sportage auto insurance rates with and without discounts applied to the policy rates. Data assumes a male driver, no violations or claims, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, multi-car, marriage, and homeowner discounts applied.
Some of the insurance companies that may have these benefits are:
If you want the cheapest Kia Sportage rate quotes, ask every insurance company to give you their best rates. Discounts may not be available in Plano.
Detailed insurance information
The premium table displayed below outlines estimates of insurance policy prices for Kia Sportage models. Being aware of how auto insurance policy rates are determined can aid in making informed decisions when comparing rates.
| 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 | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Premium amounts do not factor in garaging location in Plano which can change premiums considerably.
Physical damage deductible comparison
When shopping for insurance, a common question is which deductibles should you choose. The following insurance rates outline the cost difference when you select higher and lower comp and collision deductibles. The first price estimate table uses a $250 deductible for comprehensive and collision coverage and the second rate chart 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 | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Table data does not factor in specific Plano garaging location which can increase or decrease auto insurance rates noticeably.
We can derive from the above data that using a $250 deductible will cost you approximately $14 more each month or $168 every year than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 18 months between claim filings, you would come out ahead by going with a higher deductible.
How to determine if a higher deductible is a good idea
| Average monthly premium for $250 deductibles: | $108 |
| Average monthly premium for $500 deductibles (subtract): | – $94 |
| Monthly savings from raising deductible: | $14 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $14 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
An important thing to remember is that increasing deductibles to lower your rates means you will have to pay more when you have a comprehensive or collision claim. You need to make sure you have some available funds in the event you need to pay more for the deductible.
The illustration below demonstrates how deductibles and can impact Kia Sportage yearly insurance costs for different categories of driver ages. The data is based on a married female driver, full coverage, and no other discounts are factored in.
Reduce Insurance Rates with These Tips
Many things are considered when quoting car insurance. Some are pretty understandable such as traffic violations, although others are less apparent like your vehicle usage or how safe your car is.
- Too many claims and you’ll pay more – If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Car insurance companies in Texas give discounts to drivers who are not frequent claim filers. Auto insurance is designed for the large, substantial claims.
- Policy add-ons could be costing you – There are a lot of add-on coverages that sound like a good idea at the time if you aren’t diligent. Coverages for replacement cost coverage, accident forgiveness, and additional equipment coverage are some examples. These may sound like a good investment when buying your policy, but if you have no use for them get rid of them and save.
- Urban residents pay more – Being located in a rural area is a good thing when buying auto insurance. Fewer people corresponds to lower accident rates and a lower car theft rate. Drivers in populated Texas areas regularly have much more traffic and higher rates of accident claims. More time behind the wheel means higher likelihood of an accident.
- Drivers with responsible credit save – Credit rating can be a huge factor in calculating your auto insurance rates. If your credit history is low, you could pay less to insure your Kia Sportage by spending a little time repairing your credit. Insureds with excellent credit tend to be less risk to insure as compared to drivers with lower ratings.
- Consolidate policies to earn discounts – Some insurers apply discounts to buyers who have multiple policies with them, otherwise known as a multi-policy discount. Even if you qualify for this discount already, you may still want to comparison shop to help ensure you have the lowest rates.
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Responsible drivers have lower prices – Drivers with clean records get better rates than their less careful counterparts. Having just one moving violation can boost insurance rates substantially. Drivers who have gotten severe tickets such as DUI, reckless driving or excessive speeding may find that they have to to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
The chart below shows how traffic citations and at-fault accidents impact Kia Sportage car insurance costs for different age groups of insureds. The rates are based on a single female driver, full coverage, $500 deductibles, and no discounts are factored in.
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Loss statistics for a Kia Sportage – Insurers use claims history in order to profitably underwrite each model. Models that the data shows to have increased claim numbers or amounts will have higher rates for specific coverages.
The table shown below demonstrates the insurance loss data used by companies for Kia Sportage vehicles. For each type of coverage, the claim amount for all vehicles, regardless of manufacturer or model, equals 100. Numbers shown that are under 100 represent a good loss history, while values that are above 100 indicate more frequent losses or an increased likelihood of larger losses.
Car Insurance Loss Data for Kia Sportage Models 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 BETTERAVERAGEWORSEData Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Compare rates but work with a neighborhood Plano auto insurance agent
Certain consumers still like to talk to an insurance agent and that can be a great decision A good thing about getting free rate quotes online is the fact that drivers can get cheap auto insurance rates and still buy from a local agent.
Upon completion of this quick form, your coverage information is immediately sent to local insurance agents in Plano who want to provide quotes for your auto insurance coverage. It simplifies rate comparisons since you won’t have to even leave your home because quoted prices will be sent to you. You’ll get the best rates AND an agent nearby. If you have a need to compare rates from a particular provider, feel free to visit that company’s website and give them your coverage information.
Picking an company requires you to look at more than just a low price. These are some valid questions you should ask.
- Will their companies depreciate repairs to your car based on the mileage?
- Is every driver in your family covered?
- Can they give you a list of client referrals?
- Do they specialize in personal lines coverage in Plano?
- How will an accident affect your rates?
- Which companies do they recommend if they are an independent agency?
- In the event of vehicle damage, can you pick the collision repair facility?
- How are claims handled?
Listed below is a short list of insurance companies in Plano that may be able to provide price quotes for Kia Sportage insurance in Plano.
- A R Schell and Son Agency
1001 E 15th St #100 – Plano, TX 75074 – (469) 609-8156 – View Map - Allstate Insurance: Brad Williamson
4670 McDermott Rd #206 – Plano, TX 75024 – (972) 867-2778 – View Map - Allstate Insurance: Matthew Greiner
2415 Coit Rd d – Plano, TX 75075 – (972) 769-8800 – View Map - Tamara Murphy – State Farm Insurance Agent
4504 Legacy Dr #200 – Plano, TX 75024 – (972) 943-9555 – View Map
Ratings for Texas auto insurance companies
Buying coverage from the right auto insurance company can be rather challenging considering how many different companies sell coverage in Plano. The company ratings shown next could help you select which coverage providers to look at purchasing coverage from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Cheap car insurance premiums are possible
Drivers change insurance companies for any number of reasons including unfair underwriting practices, delays in paying claims, delays in responding to claim requests and an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new company is not as hard as you think.
You just read many ideas to find cheap Kia Sportage insurance in Plano. The key concept to understand is the more companies you get prices for, the better likelihood of getting affordable Kia Sportage insurance quotes. Consumers could even find that the lowest priced car insurance comes from a smaller regional carrier.
There are still a few companies who may not offer online price quotes and most of the time these smaller providers work with local independent agents. Cheap Kia Sportage insurance in Plano can be bought from both online companies and from local insurance agents, so you need to compare both in order to have the best chance of saving money.
Much more information about car insurance in Texas is available below:
- Liability Insurance Coverage (Nationwide)
- Who Has the Cheapest Plano Auto Insurance Quotes for High Mileage Drivers? (FAQ)
- Who Has Cheap Plano Auto Insurance Quotes for a Chevrolet Silverado? (FAQ)
- Who Has the Cheapest Car Insurance for 19 Year Olds in Plano? (FAQ)
- What Car Insurance is Cheapest for a Hyundai Elantra in Plano? (FAQ)
- Understanding Car Crashes Video (iihs.org)
- Understanding Your Insurance Deductible (Insurance Information Institute)