We don’t have to tell you that insurance companies want to keep you from comparing rates. Drivers who shop around once a year are highly likely to move their business because of the good chance of finding more affordable rates. A recent survey found that consumers who routinely compared rates saved an average of $3,450 over four years compared to drivers who don’t regularly compare prices.
If finding discount rates on auto insurance is your ultimate objective, then having some knowledge of the best way to compare car insurance can make the process less intimidating.
If saving the most money is your goal, then the best way to find better pricing on car insurance rates in Fort Worth is to compare prices annually from companies that sell auto insurance in Texas. You can compare rates by following these steps.
Step 1: Read about the coverage provided by your policy and the measures you can control to prevent rate increases. Many policy risk factors that cause rate increases like speeding and a less-than-favorable credit score can be amended by making minor driving habit or lifestyle changes. Keep reading for additional ideas to help keep rates affordable and find missing discounts.
Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from one company like GEICO and Allstate, while independent agencies can provide prices for a wide range of insurance providers. Compare rates
Step 3: Compare the new rates to your current policy premium and determine if there is any savings. If you can save money and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
One important bit of advice is to try to use the same deductibles and limits on each price quote and and to get prices from as many auto insurance providers as possible. Doing this provides a fair rate comparison and a complete price analysis.
The intent of this article is to tell you how to get online quotes and some tricks to saving. If you currently have a car insurance policy, you will most likely be able to get lower rates using the ideas covered in this article. Drivers just need to understand the most efficient way to buy insurance online from multiple companies.
The following companies are ready to provide free quotes in Fort Worth, TX. If several companies are displayed, it’s highly recommended you visit as many as you can in order to find the lowest rates.
Data for Kia Sportage insurance
The table shown next showcases detailed analysis of prices for Kia Sportage models. Understanding how car insurance prices are established is important for drivers to make decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $176 | $316 | $514 | $30 | $154 | $1,190 | $99 |
| Sportage LX 2WD 4-Dr | $176 | $316 | $514 | $30 | $154 | $1,190 | $99 |
| Sportage EX 2WD 4-Dr | $202 | $384 | $514 | $30 | $154 | $1,284 | $107 |
| Sportage LX 4WD 4-Dr | $202 | $384 | $514 | $30 | $154 | $1,284 | $107 |
| Sportage LX | $202 | $384 | $514 | $30 | $154 | $1,284 | $107 |
| Sportage EX 4WD 4-Dr | $202 | $384 | $514 | $30 | $154 | $1,284 | $107 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Information does not factor in the specific area where the vehicle is garaged which can impact price quotes substantially.
Deductible comparison
One of the more difficult decisions when buying car insurance is what deductibles to buy. The premium rates below show the rate difference when you buy lower versus higher physical damage coverage deductibles. The first rate table uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 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 | $158 | $256 | $382 | $22 | $114 | $932 | $78 |
| Sportage LX 2WD 4-Dr | $158 | $256 | $382 | $22 | $114 | $932 | $78 |
| Sportage EX 2WD 4-Dr | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| Sportage LX 4WD 4-Dr | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| Sportage LX | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| Sportage EX 4WD 4-Dr | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| 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 multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Estimates do not factor in your specific Fort Worth location which can increase or decrease rates significantly.
We can derive from the above data that using a $250 deductible costs an average of $26 more each month or $312 every year than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 29 months between claims, you would more than likely save some money by selecting a higher deductible.
How to calculate if higher deductibles make sense
| Average monthly premium for $250 deductibles: | $108 |
| Average monthly premium for $1,000 deductibles (subtract): | – $82 |
| Monthly savings from raising deductible: | $26 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $26 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 29 months |
The information below illustrates how your choice of deductibles and can influence Kia Sportage insurance premiums for different categories of driver ages. The rates are based on a married male driver, full coverage, and no additional discounts are factored in.
Comparison of car insurance rates by gender
The example below visualizes the comparison of Kia Sportage insurance premiums for male and female drivers. The data assumes no accidents, no driving violations, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no policy discounts are applied.
Full coverage rates vs. liability-only
The example below visualizes the comparison of Kia Sportage annual premium costs with and without full coverage. The premium estimates are based on no violations or accidents, $500 deductibles, single status, and no additional discounts are factored in.
When to drop comprehensive and collision
There is no exact rule to stop paying for full coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Kia Sportage book value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $8,000 after paying your deductible. If you are paying in excess of $800 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are some conditions where dropping physical damage coverage is not financially feasible. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not remove full coverage.
Car insurance is not optional in Texas
Despite the high insurance cost for a Kia Sportage in Fort Worth, paying for car insurance may be mandatory for several reasons.
First, just about all states have mandatory insurance requirements which means you are required to buy specific minimum amounts of liability insurance if you don’t want to risk a ticket. 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.
Second, if you took out a loan on your Sportage, almost all lenders will stipulate that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If the policy lapses, the lender may have to buy a policy to insure your Kia at a much higher premium rate and force you to pay much more than you were paying before.
Third, car insurance protects not only your Kia Sportage but also your assets. It will also reimburse you for all forms of medical expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.
The benefits of buying car insurance outweigh the cost, especially for larger claims. Despite what companies tell you, the average driver is overpaying over $830 a year so you should quote and compare rates every year to help ensure money is not being wasted.
How You Can Control Kia Sportage Insurance Costs
The best way to find cheaper insurance is to take a look at the factors that aid in calculating your policy premiums. If you have some idea of what influences your rates, this empowers consumers to make smart changes that can help you get cheaper rates.
- Deter car thieves – Owning a car that has an advanced theft prevention system can earn a premium discount. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent car theft.
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Driving citations mean higher premiums – Whether or not you get tickets has a huge affect on how much you pay. Attentive drivers tend to pay less for car insurance compared to drivers with tickets. Having a single speeding ticket may cause rates to rise substantially. Drivers who have received license-revoking tickets such as DWI, reckless driving or hit and run convictions might be required by their state to file a SR-22 with the DMV in their state in order to legally drive a vehicle.
The information below shows how speeding tickets and at-fault claims raise Kia Sportage car insurance rates for different age groups. The rate quotes are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.
- Marriage can lower prices – Walking down the aisle may cut your premiums on insurance. It means you’re more mature and responsible and it’s proven that married drivers tend to file fewer claims.
- Premiums can change based on your address – Being located in less populated areas may provide you with better prices when buying insurance. Drivers who live in large cities have to deal with traffic congestion and more time behind the wheel. Less people means reduced accidents and a lower car theft rate.
- Physical damage deductibles – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your vehicle. Examples of some claims that would be covered would be colliding with a building, damage from fire, or theft. Deductibles for physical damage are how much you are required to spend if a claim is determined to be covered. The more damage repair cost you’re willing to pay, the better rate you will receive.
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Insurance loss probability for a Kia Sportage – Insurers take into consideration insurance loss statistics for every vehicle when setting premium rates. Vehicles that tend to have higher claim amounts or frequency will have higher premium rates.
The table shown below demonstrates the insurance loss data used by companies for Kia Sportage vehicles. For each coverage type, the claim probability for all vehicles, as a total average, is considered to be 100. Percentage values below 100 indicate a favorable loss history, while values that are 100 or greater indicate a higher chance of having a claim or an increased chance of a larger loss.
Kia Sportage Insurance Claim Statistics Specific Kia 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 BETTERAVERAGEWORSEStatistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Save with these money saving discounts
Some insurers don’t always publicize all available discounts in an easy-to-find place, so the next list breaks down a few of the more common and the harder-to-find credits available to you.
- Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may get savings of 20% or more.
- Safety Course Discount – Participating in a driver safety class could earn you a small percentage discount and easily pay for the cost of the class.
- Paperwork-free – A few larger online companies provide a small discount for completing your application digitally online.
- Good Students Pay Less – Maintaining excellent grades can save 20 to 25%. Many companies even apply the discount to college students well after school through age 25.
- Discounts for Multiple Vehicles – Buying coverage for more than one vehicle with the same auto insurance company qualifies for this discount.
Just know that most discounts do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So even though you would think it’s possible to get free car insurance, that’s just not realistic. Any amount of discount will lower the amount you pay for coverage.
The information below compares Kia Sportage annual premium costs with and without some available policy discounts. The price estimates are based on a male driver, no violations or accidents, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, multi-policy, claim-free, and multi-car discounts applied.
To view auto insurance companies who offer auto insurance discounts in Fort Worth, click here.
Insurance agents can help
When buying the right insurance coverage, there isn’t really a “best” method to buy coverage. Your financial needs are unique and a cookie cutter policy won’t apply.
Here are some questions about coverages that may help highlight whether your personal situation will benefit from professional help.
- Who is covered by my policy?
- When should I not buy collision coverage?
- Do I need higher collision deductibles?
- What is no-fault insurance?
- Do I need roadside assistance coverage?
- What is glass protection for?
- Should I sign the liability waiver when renting a car?
- Am I covered when driving in Canada or Mexico?
If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.
Local neighborhood Fort Worth car insurance agents
Some people prefer to buy from a licensed agent and that is not a bad decision Good insurance agents will help you protect your assets and give you someone to call. An additional benefit of price shopping on the web is you can get better rates but also keep your business local. Buying from and supporting neighborhood insurance agencies is important particularly in Fort Worth.
By using this short form, your information is transmitted to local insurance agents who will gladly provide quotes and help you find cheaper coverage. You won’t even need to do any legwork as quotes are delivered immediately to you. If for some reason you want to compare prices from a specific car insurance provider, feel free to go to their quote page and submit a quote form there.
Pick the best car insurance agent in Fort Worth for you
If you are wanting to find a good Fort Worth insurance agent, you need to know there are two different agency structures and how they work. Car insurance policy providers are either independent or exclusive. Both types of agents can insure your vehicles, but it’s worth learning how they differ since it can impact the type of agent you choose.
Independent Car Insurance Agents
Agents of this type are not required to write business for one company and that enables them to quote your coverage with any number of different companies and find you the best rates. If your agent finds better pricing, your agent can switch companies and you can keep the same agent. When comparing car insurance rates, it’s recommended you get insurance quotes from at a minimum one independent agency in order to have the best price comparison. Most also have access to less well-known companies that can offer cheaper rates than bigger companies.
Shown below is a partial list of independent agents in Fort Worth that can give you free rate quotes.
- Nationwide Insurance: Darla Duncan Insurance Agency
5801 Curzon Ave #137 – Fort Worth, TX 76107 – (817) 731-0991 – View Map - Rainbow Insurance Agency
2929 Cleburne Rd – Fort Worth, TX 76110 – (817) 922-8031 – View Map - Nationwide Insurance – Curtis Logan Agency
4500 Mercantile Plaza Dr #300 – Fort Worth, TX 76137 – (214) 302-7148 – View Map
Exclusive Car Insurance Agencies
Agents of this type have only one company to place business with and examples are AAA, Allstate, and State Farm. They generally cannot compare other company’s rates so they have to upsell other benefits. They are very knowledgeable on what they offer which helps offset the inability to provide other markets. Consumers often buy from exclusive agents mainly due to high brand loyalty and strong financial ratings.
Shown below are Fort Worth exclusive agents that are able to give price quotes.
- Elitha Moses – State Farm Insurance Agent
6620 Meadowbrook Dr – Fort Worth, TX 76112 – (817) 446-0065 – View Map - State Farm Insurance – Larry Wilkerson
8651 John T White Rd #103 – Fort Worth, TX 76120 – (817) 795-1196 – View Map - Linda Allen – State Farm Insurance Agent
5328 Boat Club Rd – Fort Worth, TX 76135 – (817) 236-7200 – View Map
Finding the right insurance agency requires more thought than just a cheap price. Agents should be asked these questions:
- Do they specialize in personal lines auto insurance in Fort Worth?
- How long has the business existed?
- Will your rates increase after a single accident?
- Will they make sure you get an adequate claim settlement?
- Do they assist clients in filing claims?
- Are they able to provide referrals?
- What insurance companies do they recommend if they are an independent agent?
More effort can pay off
Cost effective Kia Sportage insurance is attainable online and from local agencies, and you need to price shop both to have the best rate selection. A few companies don’t offer the ability to get a quote online and usually these small insurance companies sell through independent agents.
We just covered many tips how you can save on Kia Sportage insurance in Fort Worth. The key concept to understand is the more you quote Fort Worth car insurance, the better your chances of lowering your rates. Consumers may even find the best price on auto insurance is with a smaller regional carrier. Smaller companies can often insure niche markets at a lower cost than their larger competitors like State Farm, GEICO and Nationwide.
Additional information can be found at the links below
- Teen Driving and Texting (State Farm)
- Who Has Cheap Car Insurance Rates for Government Employees in Fort Worth? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Drivers with Good Credit in Fort Worth? (FAQ)
- Who Has Cheap Car Insurance for Teenage Females in Fort Worth? (FAQ)
- Who Has Cheap Fort Worth Auto Insurance for High School Students? (FAQ)
- Child Safety FAQ (iihs.org)
- Protecting Teens from Drunk Driving (Insurance Information Institute)