Are you sick of overpaying and want cheaper car insurance rates in Cincinnati, OH? Cincinnati buyers have many options when searching for the best price on Kia Sportage insurance. You can either spend your time contacting agents getting price quotes or utilize the internet to make rate comparisons.
There is a better way to compare car insurance rates so we’re going to tell you the quickest way to get price quotes for a new or used Kia and obtain the lowest possible price from Cincinnati insurance agents and online providers.
It’s a good idea to compare premium rates at least once a year because car insurance prices are variable and change quite frequently. Even if you think you had the best quotes on Kia Sportage insurance in Cincinnati two years ago a different company probably has better rates today. Block out anything you think you know about car insurance because we’re going to demonstrate one of the best ways to find the best coverage while lowering your premiums.
The car insurance companies shown below are ready to provide price comparisons in Ohio. If you wish to find the cheapest car insurance in OH, we recommend you visit several of them to find the most affordable car insurance rates.
Verify you’re receiving every discount
Insurance can be prohibitively expensive, but companies offer discounts that many people don’t even know exist. Some discounts apply automatically when you quote, but a few need to be asked for before they will apply.
- Employee of Federal Government – Active or retired federal employment could provide a small rate reduction with select insurance companies.
- Discount for Low Mileage – Fewer annual miles on your Kia may enable drivers to earn slightly better prices than normal.
- Discount for New Cars – Insuring a new Sportage can save you some money due to better safety requirements for new model year vehicles.
- Bundled Policy Discount – If you combine your auto and homeowners policies with one insurance company you may save 10% to 20% off each policy.
- Distant College Student Discount – Youth drivers living away from Cincinnati attending college without a vehicle on campus may be insured at a cheaper rate.
- Good Students Pay Less – This discount can save 20 to 25%. The good student discount can last up until you turn 25.
- Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
- Anti-theft System – Anti-theft and alarm system equipped vehicles can help prevent theft and therefore earn up to a 10% discount.
- Driver Education Discount – Cut your cost by having your teen driver enroll in driver’s education in school.
Keep in mind that most discounts do not apply to the overall cost of the policy. Most only apply to specific coverage prices like liability, collision or medical payments. So even though you would think you would end up receiving a 100% discount, you aren’t that lucky. But any discount will reduce your premiums.
The chart below illustrates the difference between Kia Sportage annual premium costs with and without discounts being applied to the rates. The price estimates are based on a female driver, no accidents, no driving violations, Ohio state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, claim-free, marriage, homeowner, and multi-car discounts applied.
To see insurers that offer the discounts shown above in Ohio, click here to view.
Analysis of coverages
The information shown next highlights different insurance costs for Kia Sportage models. Having a good grasp of how policy premiums are established can be useful when making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $188 | $356 | $306 | $18 | $92 | $960 | $80 |
| Sportage LX 2WD 4-Dr | $188 | $356 | $306 | $18 | $92 | $960 | $80 |
| Sportage EX 2WD 4-Dr | $216 | $434 | $306 | $18 | $92 | $1,066 | $89 |
| Sportage LX 4WD 4-Dr | $216 | $434 | $306 | $18 | $92 | $1,066 | $89 |
| Sportage LX | $216 | $434 | $306 | $18 | $92 | $1,066 | $89 |
| Sportage EX 4WD 4-Dr | $216 | $434 | $306 | $18 | $92 | $1,066 | $89 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Information does not factor in specific garaging location which can lower or raise insurance rates noticeably.
Car insurance rates based on gender in Cincinnati
The illustration below shows the difference between Kia Sportage car insurance rates for male and female drivers. The rates are based on no violations or accidents, comp and collision included, $1,000 deductibles, drivers are not married, and no other discounts are factored in.
Are car insurance agents used anymore?
Some people prefer to get professional advice from a licensed agent. Professional agents can help you build your policy and help file insurance claims. The best thing about comparing insurance online is you may find cheap insurance quotes and still have an agent to talk to. Buying from local agencies is definitely important in Cincinnati.
To find an agent, once you fill out this quick form, your coverage information is emailed to agents in your area who will give you bids for your insurance coverage. It’s much easier because you don’t need to leave your house due to the fact that quote results will go directly to you. In the event you want to quote rates from a specific insurance provider, you would need to navigate to their website and fill out the quote form the provide.
The following is a list of car insurance companies in Cincinnati that can give you rate quotes for Kia Sportage insurance in Cincinnati.
- Globe Insurance
2619 Erie Ave – Cincinnati, OH 45208 – (513) 871-3330 – View Map - Kinker-Eveleigh Insurance Agency
7750 Montgomery Rd – Cincinnati, OH 45236 – (513) 891-6615 – View Map - GEICO Insurance Agent
4081 E Galbraith Rd #1b – Cincinnati, OH 45236 – (513) 794-3426 – View Map - Bob Donnelly – State Farm Insurance Agent
2063 Beechmont Ave – Cincinnati, OH 45230 – (513) 231-4975 – View Map
Choosing an provider is decision based upon more than just the bottom line cost. Any agent in Cincinnati should be forthright in answering these questions:
- Do they reduce claim amounts on high mileage vehicles?
- Where would your vehicle be repaired?
- Are they full-time agents?
- Does their agency support local causes in Cincinnati?
- Does the agent have a valid license to sell insurance in Ohio?
Upon receiving good answers and a good coverage price, it’s a good possibility that you have found an provider that will service your policy.
Your situation helps dictate your coverage
When selecting coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.
For example, these questions might point out if you may require specific advice.
- Do I have ACV or replacement cost coverage?
- Should I pay a claim out-of-pocket?
- At what point should I drop full coverage?
- Does my car insurance cover rental cars?
- I don’t drive much so do I pay less?
- Am I covered if hit by an uninsured driver?
- Am I covered when using my vehicle for business?
- Should I have combined single limit or split liability limits?
If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.
Information about specific coverages
Knowing the specifics of your auto insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.
Uninsured/Underinsured Motorist (UM/UIM) – This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Kia Sportage.
Since a lot of drivers only purchase the least amount of liability that is required (Ohio limits are 25/50/25), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are similar to your liability insurance amounts.
Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for expenses for X-ray expenses, surgery, doctor visits, nursing services and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Coverage for liability – This protects you from damages or injuries you inflict on other’s property or people. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.
Liability insurance covers claims like repair costs for stationary objects, loss of income, emergency aid, bail bonds and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford. Ohio state law requires minimum liability limits of 25/50/25 but it’s recommended drivers buy more liability than the minimum.
The chart below shows why buying low liability limits may not be high enough to cover claims.
Comprehensive insurance – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things such as rock chips in glass, fire damage, damage from a tornado or hurricane and damage from flooding. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Collision coverage – Collision coverage covers damage to your Sportage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things like sideswiping another vehicle, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible on your Sportage to save money on collision insurance.
More comparisons equals affordable rates
Throughout this article, we presented many tips how you can compare Kia Sportage insurance premium rates in Cincinnati. It’s most important to understand that the more rate quotes you have, the better likelihood of getting low cost Cincinnati car insurance quotes. You may even discover the most savings is with an unexpected company.
While you’re price shopping online, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many cases where an insured dropped liability coverage limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage at the best cost but still have enough coverage for asset protection.
Lower-priced Kia Sportage insurance in Cincinnati is possible on the web and also from your neighborhood Cincinnati agents, and you should be comparing both in order to have the best price selection to choose from. Some companies do not offer internet price quotes and many times these small insurance companies only sell through independent insurance agencies.
How to find affordable Kia Sportage insurance in Cincinnati
If saving money is your primary concern, then the best way to find cheaper quotes for Kia Sportage insurance in Cincinnati is to make a habit of regularly comparing prices from different companies who provide auto insurance in Ohio.
- Try to learn a little about how companies set rates and the things you can control to lower rates. Many rating factors that drive up the price like your driving record and a negative credit history can be controlled by making minor driving habit or lifestyle changes.
- Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive and State Farm, while agents who are independent can provide prices for a wide range of insurance providers.
- Compare the new rate quotes to the price on your current policy to see if you can save by switching companies. If you find a lower rate and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
An essential thing to point out is to compare identical coverages on every price quote and and to get prices from as many companies as possible. This enables the most accurate price comparison and a better comparison of the market.
Additional resources
- Understanding Rental Car Insurance (Insurance Information Institute)
- Who Has the Cheapest Cincinnati Auto Insurance for Unemployed Drivers? (FAQ)
- Who Has Cheap Auto Insurance for High School Students in Cincinnati? (FAQ)
- Who Has Cheap Cincinnati Car Insurance Quotes for a Honda CR-V? (FAQ)
- Who Has Cheap Auto Insurance Rates for Police Officers in Cincinnati? (FAQ)
- What Insurance is Cheapest for High Risk Drivers in Cincinnati? (FAQ)
- Top Signs Your Brakes are Giving Out (State Farm)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Crash Avoidance Technologies FAQ (iihs.org)
- Keeping Children Safe in Crashes Video (iihs.org)