Kia Sportage Insurance Rates in Chicago

Insurance for Kia SportageDo you want an efficient way to compare the cheapest Kia Sportage insurance in Chicago? Feel like you’re a prisoner to high-priced Kia Sportage insurance in Chicago? Say no more because many Chicago consumers are in the same pinch.

Inconceivable but true, about 70% of customers have stayed with the same insurance company for more than four years, and practically 40% of insurance customers have never compared rates from other carriers. Many consumers in Chicago can cut their rates by approximately 40% a year by just shopping around, but they just don’t understand the rate savings if they changed companies.

Because you have many insurance companies to choose from that have cheaper insurance for a Kia Sportage in Chicago, it can be hard to pick the most cost effective company.

It is always a good idea to get comparison quotes at least once a year because insurance rates trend upward over time. Just because you had the best rate on Kia Sportage insurance in Chicago a couple years back a different company probably has better prices today. Ignore everything you know about insurance because you’re about to learn how to use the internet to find better rates and still maintain coverage.

These techniques will teach you a little about the most effective way to quote insurance. If you have insurance now, you will be able to find better prices using the concepts you’re about to learn. Nevertheless, Illinois car owners must comprehend how big insurance companies calculate your policy premium because it can help you find the best coverage.

Low-cost car insurance in Chicago, IL

The following companies are our best choices to provide price quotes in Chicago, IL. If multiple providers are shown, we suggest you click on several of them in order to find the most competitive rates.

Kia Sportage Insurance Price Estimates in Chicago, IL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $178 $306 $268 $16 $80 $848 $71
Sportage LX 2WD 4-Dr $168 $344 $294 $18 $88 $912 $76
Sportage EX 2WD 4-Dr $150 $252 $268 $16 $80 $766 $64
Sportage LX 4WD 4-Dr $194 $384 $340 $20 $102 $1,040 $87
Sportage LX $158 $310 $340 $20 $102 $930 $78
Sportage EX 4WD 4-Dr $122 $246 $316 $18 $94 $796 $66
Get Your Own Custom Quote Go

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Prices do not factor in vehicle garaging location which can lower or raise premiums considerably.

Yearly auto insurance costs for men versus women

The illustration below illustrates the comparison of Kia Sportage insurance premiums for male and female drivers. The premiums assume no accidents or driving violations, full coverage, $500 deductibles, single marital status, and no discounts are applied to the premium.

The Kia Sportage Insurance Rate Equation

Part of the insurance buying process is learning a few of the rating criteria that come into play when calculating your premiums. When you understand what positively or negatively impacts your premiums, this enables informed choices that may result in better insurance rates. Many things are part of the equation when premium rates are determined. Some of the criteria are obvious such as traffic violations, but others are more obscure like your vehicle usage or your commute time.

Slash rates with these money saving discounts

Some insurance providers don’t always advertise all their discounts in an easy-to-find place, so the list below gives a summary of both the well known and the more hidden insurance savings.Insurance discounts

A quick disclaimer, some of the credits will not apply to the entire policy premium. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, it’s just not the way it works. But any discount will positively reduce the amount you have to pay.

A few popular companies and some of the discounts are included below.

Double check with all the companies how you can save money. Depending on the company, some discounts may not apply to policies in your area. If you would like to choose from a list of insurers with discount rates in Illinois, click this link.

Independent versus exclusive insurance agencies

Many drivers just want to have an agent’s advice and that is recommended in a lot of cases A good thing about price shopping on the web is you may find cheaper premium rates and still buy from a local agent. Buying insurance from small agencies is important especially in Chicago.

Insurance agents in ChicagoUpon completion of this quick form, your insurance coverage information is immediately sent to agents in your area who will return price quotes for your business. It’s much easier because you don’t need to leave your house due to the fact that quote results will go directly to your email. You can find the lowest rates and a licensed agent to work with. If for some reason you want to compare rates for a specific company, don’t hesitate to visit that company’s website and fill out their quote form.

If you need to find a good insurance agency, it’s helpful to know the different agency structures and how they can service your needs differently. Agencies in Chicago can be classified as either independent (non-exclusive) or exclusive.

Independent Auto Insurance Agencies or Brokers

Agents that choose to be independent are not employed by one company and that allows them to write policies with multiple insurance companies and find the cheapest rate. To transfer your coverage to a different company, they simply switch companies in-house which makes it simple for you. If you need lower rates, it’s a good idea to get several quotes from a few independent agents to get the most accurate price comparison.

Featured below is a list of independent agencies in Chicago that can possibly get you free price quotes.

35 E Upper Wacker Dr #1730Chicago, IL 60601(312) 922-5300View Map

W.A. George Insurance Agency
155 N Michigan Ave #300Chicago, IL 60601(312) 729-5265View Map

707 W Willow StChicago, IL 60614(312) 254-1500View Map

More Chicago agents

Exclusive Insurance Agencies

Agents in the exclusive channel are contracted to one company and examples are Farmers Insurance, State Farm, Allstate, and AAA. They generally cannot shop your coverage around so it’s a take it or leave it situation. Exclusive agents are usually well trained on sales techniques and that allows them to sell at a higher price point.

The following are Chicago exclusive agents who can help you get price quote information.

1535 W Division StChicago, IL 60642(773) 270-4600View Map

4317 N Lincoln AveChicago, IL 60618(773) 477-3300View Map

2015 W Montrose AveChicago, IL 60618(773) 549-3300View Map

More Chicago agents

Choosing the best auto insurance agent should include more criteria than just a low price. The answers to these questions are important, too.

Compare. Compare. Compare.

You just learned many ideas to shop for Kia Sportage insurance online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding affordable Kia Sportage insurance quotes. Drivers may even discover the lowest rates come from an unexpected company. These companies may often insure only within specific states and give better rates as compared to the big name companies such as Allstate, GEICO and Progressive.

When buying insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped full coverage and discovered at claim time that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find at the best possible price, but do not skimp to save money.

Cheaper Kia Sportage insurance in Chicago can be found from both online companies and also from your neighborhood Chicago agents, and you should compare price quotes from both to have the best selection. A few companies may not have the ability to get quotes online and usually these smaller providers prefer to sell through local independent agents.

More detailed car insurance information can be found by following these links: