Shocking but true, a large majority of drivers have bought auto insurance from the same company for a minimum of four years, and nearly half have never quoted auto insurance rates at all. With the average auto insurance premium being $1,240, Virginia drivers could save themselves 45% a year, but they don’t want to spend time to shop around.
The recommended way to get low-cost Kia Sportage insurance in Virginia Beach is to start comparing rates regularly from insurance carriers who sell auto insurance in Virginia. Drivers can shop around by following these steps.
- Get an understanding of how companies price auto insurance and the measures you can take to prevent expensive coverage. Many things that increase rates such as multiple speeding tickets and a poor credit score can be amended by making minor changes to your lifestyle. Keep reading for more information to help keep prices low and find overlooked discounts.
- Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from a single company like GEICO and Allstate, while agents who are independent can quote rates from many different companies.
- Compare the price quotes to your current policy premium and see if you can save money. If you find a better price, ensure there is no coverage lapse between policies.
- Provide notification to your current company of your intention to cancel the current policy. Submit any necessary down payment along with the completed application to the new insurer. As soon as you can, keep your new certificate verifying proof of insurance in your vehicle.
An important part of this process is to make sure you’re comparing similar deductibles and liability limits on every quote request and and to get prices from as many different companies as possible. Doing this guarantees an apples-to-apples comparison and maximum price selection.
The auto insurance companies shown below offer quotes in Virginia Beach, VA. If your goal is to find the best car insurance in VA, we recommend you visit two to three different companies to find the cheapest auto insurance rates.
Insuring your Kia Sportage just makes sense
Despite the potentially high cost of Kia Sportage insurance, maintaining insurance may not be optional for several reasons.
- Just about all states have mandatory insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance coverage if you want to drive legally. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
- If you have a loan on your Kia Sportage, most lenders will force you to have full coverage to ensure loan repayment if the vehicle is totaled. If the policy lapses, the bank or lender will purchase a policy for your Kia at a more expensive rate and force you to reimburse them for the expensive policy.
- Insurance safeguards both your car and your assets. Insurance will also pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, will also pay attorney fees if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, your insurance policy will pay to repair the damage minus the deductible amount.
The benefits of carrying adequate insurance more than offset the price you pay, especially if you ever need it. As of last year, the average driver in Virginia is overpaying over $800 each year so it’s important to compare rates at every renewal to save money.
Kia Sportage insurance coverage information
The coverage table below showcases estimates of insurance coverage prices for Kia Sportage models. Having knowledge of how insurance prices are calculated can help customers make decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $220 | $328 | $338 | $20 | $100 | $1,006 | $84 |
| Sportage LX 2WD 4-Dr | $220 | $328 | $338 | $20 | $100 | $1,006 | $84 |
| Sportage EX 2WD 4-Dr | $252 | $400 | $338 | $20 | $100 | $1,110 | $93 |
| Sportage LX 4WD 4-Dr | $252 | $400 | $338 | $20 | $100 | $1,110 | $93 |
| Sportage LX | $252 | $400 | $338 | $20 | $100 | $1,110 | $93 |
| Sportage EX 4WD 4-Dr | $252 | $400 | $338 | $20 | $100 | $1,110 | $93 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Information does not factor in garaging location in Virginia Beach which can lower or raise coverage prices considerably.
Deductible analysis
A question often asked by Virginia Beach drivers is at what level do you set your deductibles. The comparison tables below sum up the differences in premium rates of buying low and high policy deductibles. The first pricing table uses a $100 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $192 | $328 | $258 | $16 | $78 | $897 | $75 |
| Sportage LX 2WD 4-Dr | $192 | $328 | $258 | $16 | $78 | $897 | $75 |
| Sportage EX 2WD 4-Dr | $222 | $400 | $258 | $16 | $78 | $999 | $83 |
| Sportage LX 4WD 4-Dr | $222 | $400 | $258 | $16 | $78 | $999 | $83 |
| Sportage LX | $222 | $400 | $258 | $16 | $78 | $999 | $83 |
| Sportage EX 4WD 4-Dr | $222 | $400 | $258 | $16 | $78 | $999 | $83 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $108 | $174 | $258 | $16 | $78 | $634 | $53 |
| Sportage LX 2WD 4-Dr | $108 | $174 | $258 | $16 | $78 | $634 | $53 |
| Sportage EX 2WD 4-Dr | $122 | $210 | $258 | $16 | $78 | $684 | $57 |
| Sportage LX 4WD 4-Dr | $122 | $210 | $258 | $16 | $78 | $684 | $57 |
| Sportage LX | $122 | $210 | $258 | $16 | $78 | $684 | $57 |
| Sportage EX 4WD 4-Dr | $122 | $210 | $258 | $16 | $78 | $684 | $57 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate information does not factor in vehicle location which can change coverage rates noticeably.
We can derive from the above data that using a $100 deductible will cost in the ballpark of $24 more each month or $288 for a full year than opting for the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go more than 38 months between claims, you would come out ahead by going with a higher deductible. Below is how you can perform this determination yourself.
| Average monthly premium for $100 deductibles: | $80 |
| Average monthly premium for $1,000 deductibles (subtract): | – $56 |
| Monthly savings from raising deductible: | $24 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $24 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 38 months |
The chart below shows how different deductible levels and can influence Kia Sportage annual premium costs for each age group. The prices are based on a married female driver, full coverage, and no discounts are taken into consideration.
Kia Sportage liability rates compared to full coverage
The information below illustrates the difference between Kia Sportage car insurance rates with and without full coverage. The data assumes no accidents or driving violations, $250 deductibles, marital status is single, and no additional discounts are factored in.
Deciding between full coverage and liability only
There is no definitive rule of when to drop comp and collision coverage, but there is a general school of thought. If the yearly cost of full coverage is about 10% or more of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
For example, let’s say your Kia Sportage replacement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $7,000 after paying your deductible. If you are paying in excess of $700 annually for physical damage coverage, then it may be the right time to buy liability only.
There are some conditions where removing full coverage is not a good plan. If you still owe a portion of the original loan, you have to carry full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.
Discounts mean cheaper rates for Kia Sportage insurance in Virginia Beach
Not too many consumers would say auto insurance is affordable, but you might be missing out on some discounts that you may not even know about. A few discounts will be applied when you purchase, but lesser-known reductions have to be specially asked for before you get the savings.
- Driver Safety – Taking time to complete a course teaching safe driver skills can save you 5% or more and easily pay for the cost of the class.
- Payment Method – If paying your policy premium upfront instead of making monthly payments you can avoid monthly service charges.
- Theft Deterrent – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and will qualify for a discount on a Virginia Beach car insurance quote.
- Accident Waiver – Not really a discount, but some companies like Progressive and Allstate may permit one accident before your rates go up if your claims history is clear prior to the accident.
- Renewal Discounts – A few insurance companies offer discounts for renewing your policy before your current coverage expires. Ten percent is about the average savings.
- No Claim Discounts – Virginia Beach drivers who stay claim-free have much lower rates when compared with insureds who have frequent claims or accidents.
- Discounts for Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save a little on medical payment and PIP coverage.
Don’t be shocked that most discounts do not apply to the entire policy premium. Most cut individual premiums such as comp or med pay. If you do the math and it seems like you can get free auto insurance, you aren’t that lucky. Any amount of discount should definitely cut the cost of coverage.
The example below compares Kia Sportage car insurance rates with and without discounts being applied to the rates. Data assumes a female driver, no claims or driving citations, Virginia 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 multi-car, homeowner, safe-driver, marriage, claim-free, and multi-policy discounts applied.
If you would like to choose from a list of insurers with discount auto insurance rates in Virginia Beach, follow this link.
Local insurance agents
Many drivers prefer to go talk to an agent and that is a personal choice. Insurance agents can point out coverage gaps and help submit paperwork. One of the best bonuses of getting online price quotes is the fact that drivers can get cheap rate quotes but also keep your business local. Buying from neighborhood agents is still important in Virginia Beach.
Upon completion of this quick form, the quote information is immediately sent to agents in your area who will give you bids for your insurance coverage. You don’t have to find an agent on your own because prices are sent to the email address you provide. In the event you want to get a rate quote for a specific company, don’t hesitate to search and find their rate quote page and complete a quote there.
Choose the right auto insurance agent
When narrowing the list to find a reputable agency, there are two types of agencies that differ in how they can insure your vehicles. Insurance agencies in Virginia Beach may be either independent or exclusive. Either type can sell affordable car insurance policies, but it’s worth mentioning the differences because it can factor into which agent you choose.
Independent Car Insurance Agencies or Brokers
Independent agencies do not work for one specific company and that enables them to quote your coverage with many different companies and get the cheapest rates. If your premiums go up, your policy is moved internally and you stay with the same agent. When searching for an agent, you should always check rates from at a minimum one independent agency in order to have the best price comparison. A lot of them also have access to additional companies that you may not be familiar with which can be an advantage.
The following is a partial list of independent insurance agencies in Virginia Beach that may be able to provide pricing information.
- Nationwide Insurance: Steve Love Insurance Agency Inc
4176 S Plaza Trail Ste 101 – Virginia Beach, VA 23452 – (757) 340-1200 – View Map - Nationwide Insurance: Avery Insurance Agency Inc
5268 Fairfield Shopping Centre – Virginia Beach, VA 23464 – (757) 366-0366 – View Map - Nationwide Insurance: Matthew Clifton Roenker Agency
4870 Haygood Rd Ste 108 – Virginia Beach, VA 23455 – (757) 671-1111 – View Map
Exclusive Agencies
Exclusive agencies can usually just insure with one company and examples are American Family, State Farm, and Allstate. They usually cannot place coverage with different providers so it’s a take it or leave it situation. Exclusive agents are well schooled on what they offer which helps them sell on service rather than price. A lot of people choose to use an exclusive agent mainly due to high brand loyalty and the convenience of having all coverages with one company.
Listed below is a short list of exclusive agencies in Virginia Beach that are able to give price quote information.
- Tim Johnson – State Farm Insurance Agent
700 Independence Blvd – Virginia Beach, VA 23455 – (757) 499-0550 – View Map - Michael Weeks – State Farm Insurance Agent
Shopping Ctr Ste 103, 979 Chimney Hill Pkwy – Virginia Beach, VA 23452 – (757) 463-2400 – View Map - Milt Rawles – State Farm Insurance Agent
5265 Providence Rd #200 – Virginia Beach, VA 23464 – (757) 424-4656 – View Map
Deciding on an insurance agent is decision based upon more than just a cheap quote. Here are some questions you should ask.
- When do they do a full risk review?
- How much can you save by raising your physical damage deductibles?
- Do they have cheaper tiers of coverage?
- How long have they worked with personal auto insurance coverage?
- Is vehicle damage repaired with OEM or aftermarket parts?
- How long has the business existed?
- Does the quote include credit and driving reports?
- Can you contact them at any time?
Virginia Beach auto insurance company ratings
Selecting the best insurer can be a challenge considering how many companies provide coverage in Virginia Beach. The rank data displayed below may help you pick which car insurance providers you want to consider when comparing rates.
Top 10 Virginia Beach Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Top 10 Virginia Beach Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- Erie Insurance
- Esurance
- The General
Shop around and save
Some companies do not provide the ability to get quotes online and these small, regional companies sell through independent agencies. Cheaper Kia Sportage insurance in Virginia Beach is available from both online companies as well as from insurance agents, so compare prices from both to have the best chance of lowering rates.
In this article, we covered some good ideas how to lower your Kia Sportage insurance prices in Virginia Beach. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. Drivers may even discover the biggest savings come from some of the lesser-known companies.
As you shop your coverage around, do not skimp on coverage in order to save money. There are too many instances where someone dropped uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. The proper strategy is to find the BEST coverage for the lowest cost, but do not skimp to save money.
Much more information about insurance in Virginia is located at these links:
- Side Impact Crash Tests (iihs.org)
- Who Has Affordable Virginia Beach Auto Insurance Quotes for Government Employees? (FAQ)
- Who Has Cheap Virginia Beach Car Insurance Rates After a Speeding Ticket? (FAQ)
- What Car Insurance is Cheapest for Handicapped Drivers in Virginia Beach? (FAQ)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Prom Night Tips for Teen Drivers (State Farm)
- Speed and Speed Limit FAQ (iihs.org)
- Can I Drive Legally without Insurance? (Insurance Information Institute)