It takes a few minutes, but the best way to find the cheapest price for car insurance rates in Buffalo is to compare prices once a year from insurers in New York. Rates can be compared by following these steps.
- Read and learn about policy coverages and the factors you can control to lower rates. Many policy risk factors that drive up the price like tickets, at-fault accidents, and a negative credit history can be remedied by making minor changes to your lifestyle.
- Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from one company like GEICO or Farmers Insurance, while agents who are independent can provide prices for many different companies. Start a quote
- Compare the quotes to your existing policy to determine if you can save on Sportage insurance. If you can save money and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Provide notification to your current company to cancel your existing policy and submit a down payment along with a completed application to the new insurer. Once the application is submitted, store the proof of insurance certificate in an accessible location in your vehicle.
One bit of advice is that you use similar coverage information on each quote request and and to get price quotes from all possible companies. Doing this ensures an apples-to-apples comparison and a good representation of prices.
It’s easy to assume that car insurance companies want to keep you from shopping around. People who rate shop once a year will most likely move their business because they have good chances of getting low-cost coverage. A study showed that people who compared rate quotes regularly saved an average of $860 a year compared to policyholders who never compared other company’s rates.
If saving money on auto insurance is your ultimate objective, then learning about how to get rate quotes and compare coverages can make the process less intimidating.
Many insurance companies like Allstate and Progressive allow you to get insurance quotes directly from their websites. Doing online quotes for Kia Sportage insurance in Buffalo is quite simple as all you need to do is type in the amount of coverage you want as detailed in the form. Upon sending the form, the quote system requests your driving and credit reports and generates a price based on these and other factors. The ability to get online rates for Kia Sportage insurance in Buffalo makes comparing rates easy, and it’s absolutely necessary to get many rate quotes in order to get the lowest insurance rates.
To save time and use this form to compare rates, consider comparing rates from the companies shown below. To compare your current rates, we recommend you copy deductibles and limits just like they are on your policy. This ensures you’re receiving rate comparison quotes using the same coverage and limits.
The providers in the list below have been selected to offer price quotes in Buffalo, NY. If multiple companies are listed, we suggest you visit as many as you can to get a more complete price comparison.
Lower rates by qualifying for discounts
Buying auto insurance is not cheap, but there are discounts available that many consumers don’t even know exist. Certain credits will be shown at the time of purchase, but occasionally some discounts must be specifically requested before they will apply. If you’re not getting every credit you qualify for, you could be saving more on your auto insurance.
- Drivers Education – Have your child successfully complete driver’s ed class as it will make them better drivers and lower rates.
- Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are stolen less frequently and earn discounts up to 10% off your Buffalo car insurance quote.
- Discount for New Cars – Buying a new car instead of a used Sportage may earn a small discount due to better safety requirements for new vehicles.
- Distant Student – College-age children who live away from home to go to college and won’t have access to an insured vehicle could get you a discount.
- Safety Restraint Discount – Forcing all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
- Good Grades Discount – Maintaining excellent grades could provide a savings of up to 20% or more. Earning this discount can benefit you up until you turn 25.
- Paperless Signup – Some auto insurance companies may give you up to $50 for signing up digitally online.
- Multiple Cars – Buying insurance for primary and secondary vehicles with the same company can get a discount for every vehicle.
We need to note that many deductions do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as medical payments or collision. If you do the math and it seems like you would end up receiving a 100% discount, you aren’t that lucky.
The example below visualizes the comparison of Kia Sportage annual premium costs with and without discounts. The premium estimates are based on a male driver, no claims or violations, New York 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 multi-car, safe-driver, marriage, claim-free, homeowner, and multi-policy discounts applied.
Companies and a selection of discounts are:
- State Farm offers discounts for multiple autos, accident-free, passive restraint, safe vehicle, and multiple policy.
- American Family may include discounts for early bird, Steer into Savings, bundled insurance, good student, good driver, TimeAway discount, and accident-free.
- GEICO includes discounts for membership and employees, five-year accident-free, air bags, federal employee, daytime running lights, and defensive driver.
- 21st Century has discounts for air bags, good student, automatic seat belts, 55 and older, and anti-lock brakes.
- Progressive has savings for online quote discount, multi-policy, continuous coverage, good student, online signing, homeowner, and multi-vehicle.
If you want cheaper Buffalo car insurance quotes, ask each insurance company to give you their best rates. Savings may not apply to policies in your area. To view insurance companies offering auto insurance discounts in Buffalo, click here to view.
Kia Sportage coverage statistics
The premium table shown below highlights a range of insurance policy prices for Kia Sportage models. Learning as much as possible about how rate quotes are determined can help drivers make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $192 | $332 | $270 | $16 | $80 | $890 | $74 |
| Sportage LX 2WD 4-Dr | $192 | $332 | $270 | $16 | $80 | $890 | $74 |
| Sportage EX 2WD 4-Dr | $220 | $404 | $270 | $16 | $80 | $990 | $83 |
| Sportage LX 4WD 4-Dr | $220 | $404 | $270 | $16 | $80 | $990 | $83 |
| Sportage LX | $220 | $404 | $270 | $16 | $80 | $990 | $83 |
| Sportage EX 4WD 4-Dr | $220 | $404 | $270 | $16 | $80 | $990 | $83 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in specific Buffalo garaging location which can decrease or increase price quotes considerably.
Deductible analysis
When comparing auto insurance rates, the most common question is how low should you set your deductibles. The tables below determine the cost difference when you choose different comp and collision deductibles. The first table uses a $250 deductible for comp and collision and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $178 | $284 | $264 | $16 | $80 | $847 | $71 |
| Sportage LX 2WD 4-Dr | $178 | $284 | $264 | $16 | $80 | $847 | $71 |
| Sportage EX 2WD 4-Dr | $204 | $344 | $264 | $16 | $80 | $933 | $78 |
| Sportage LX 4WD 4-Dr | $204 | $344 | $264 | $16 | $80 | $933 | $78 |
| Sportage LX | $204 | $344 | $264 | $16 | $80 | $933 | $78 |
| Sportage EX 4WD 4-Dr | $204 | $344 | $264 | $16 | $80 | $933 | $78 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $110 | $178 | $264 | $16 | $80 | $648 | $54 |
| Sportage LX 2WD 4-Dr | $110 | $178 | $264 | $16 | $80 | $648 | $54 |
| Sportage EX 2WD 4-Dr | $126 | $216 | $264 | $16 | $80 | $702 | $59 |
| Sportage LX 4WD 4-Dr | $126 | $216 | $264 | $16 | $80 | $702 | $59 |
| Sportage LX | $126 | $216 | $264 | $16 | $80 | $702 | $59 |
| Sportage EX 4WD 4-Dr | $126 | $216 | $264 | $16 | $80 | $702 | $59 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Price information does not factor in vehicle garaging location which can raise or lower price quotes considerably.
We can estimate from the data above that using a $250 deductible could cost the average driver approximately $19 more each month or $228 each year than choosing the higher $1,000 deductible. Because you would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you average at least 39 months between claim filings, you would come out ahead if you choose a higher deductible.
Violations and accidents raise rates
The example below demonstrates how speeding tickets and at-fault fender-benders increase Kia Sportage premium costs for different insured age categories. The prices are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are applied.
Kia Sportage annual premiums for males versus females
The example below illustrates the difference between Kia Sportage yearly insurance costs for male and female drivers. The information is based on no driving violations, no at-fault accidents, comp and collision included, $100 deductibles, single marital status, and no additional discounts are factored in.
What if I want to buy from local Buffalo insurance agents?
A lot of people still prefer to talk to an insurance agent and that is a smart decision A good thing about comparing insurance online is the fact that you can find cheap insurance rates but also keep your business local.
To make it easy to find an agent, after completing this short form, the quote information is instantly submitted to local insurance agents in Buffalo that can provide free Buffalo car insurance quotes to get your business. It makes it easy because there is no need to contact an agency because prices are sent to the email address you provide. You’ll get the best rates and a licensed agent to talk to. In the event you want to compare rates from a specific insurance provider, you would need to navigate to their website and give them your coverage information.
Choosing an insurer requires more thought than just the quoted price. These are some questions your agent should answer.
- Are they in the agency full-time?
- Do they reduce claim amounts on high mileage vehicles?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Are you getting all the discounts the company offers?
- Do they offer claims assistance after hours?
- If they are an independent agency in Buffalo, which companies do they recommend?
- Is their price quote a firm figure or are their hidden costs?
When finding a reputable agency, you need to know there are two different types of agencies and how they can write your policy. Insurance policy providers are classified as either independent (non-exclusive) or exclusive.
Exclusive Insurance Agencies
Exclusive agencies can usually just insure with one company such as Farmers Insurance, Allstate, or State Farm. They usually cannot provide prices from multiple companies so they really need to provide good service. Exclusive agents are usually well trained on sales techniques which can be an advantage.
Listed below are exclusive insurance agents in Buffalo willing to provide comparison quotes.
Joe Czaja – State Farm Insurance Agent
1021 Union Rd – Buffalo, NY 14224 – (716) 674-3654 – View Map
Progressive Insurance – Buffalo Service Center
6699 Transit Road – Buffalo, NY 14221 – (716) 810-1500 – View Map
GEICO Insurance Agent
3835 McKinley Pkwy #2 – Buffalo, NY 14219 – (716) 604-0345 – View Map
Independent Insurance Agents
These agents do not write with just one company so as a result can place your coverage through lots of different companies depending on which coverage is best. If they quote lower rates, an independent agent can move your coverage which makes it simple for you.
When comparing rate quotes, we recommend you get quotes from multiple independent agents for maximum quote selection.
Below is a short list of independent insurance agents in Buffalo that can give you price quotes.
Bob White Insurance Agency
602 Grover Cleveland Hwy – Amherst, NY 14226 – (716) 836-2222 – View Map
The Byrne Insurance Agency Inc
480 Abbott Rd – Buffalo, NY 14220 – (716) 825-4100 – View Map
Mesi Agency Inc
759 Dick Rd – Buffalo, NY 14225 – (716) 626-3355 – View Map
How do I know if I need professional advice?
Keep in mind that when it comes to choosing insurance from an agent or online, there really is no one-size-fits-all type of policy. Your needs are unique to you.
For example, these questions can aid in determining if your insurance needs might need an agent’s assistance.
- Should I put collision coverage on all my vehicles?
- Is my camper covered by my car insurance policy?
- If I drive on a suspended license am I covered?
- Am I covered if I drive in a foreign country?
- How high should deductibles be on a Kia Sportage?
- Who sells insurance for high-risk drivers?
- Is my babysitter covered when using my vehicle?
- Where can I find DUI or SR-22 insurance?
If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.
How do Insurers Determine Kia Sportage Insurance Premiums?
Lots of things are used when premium rates are determined. Some of the criteria are obvious like your driving record, but others are not as apparent like your continuous coverage or how safe your car is.
- Get better rates if married – Your spouse may earn you lower rates on your auto insurance bill. Having a significant other usually means you are less irresponsible and it’s proven that drivers who are married are more cautious.
- Vehicle features impact premiums – Owning a car with a theft deterrent system can help bring down rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft.
- Drive less and save – The more you drive in a year the more you’ll pay to insure your vehicle. Many insurance companies rate vehicles based upon how you use the vehicle. Vehicles that have low annual miles receive lower rates compared to those used for work or business. An improperly rated Sportage may be costing you. Verify your vehicle rating shows the correct usage.
- Your address can affect rates – Choosing to live in less populated areas can save you money if you are looking for the lowest rates. Fewer drivers on the road translates into fewer accidents as well as less vandalism and auto theft. Residents of big cities have to deal with more traffic problems and longer commutes to work. More time commuting means higher likelihood of an accident.
-
Insurance loss statistics a Kia Sportage – Car insurance companies factor in insurance loss information when they set coverage costs for each model. Models that are shown to have higher frequency or amount of claims will cost more for specific coverages.
The information below illustrates the compiled insurance loss statistics for Kia Sportage vehicles. For each policy coverage type, the claim probability for all vehicles averaged together is equal to 100. Numbers below 100 are indicative of better than average losses, while values that are 100 or greater point to more losses or larger claims.
Kia Sportage Insurance Loss 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 from IIHS.org for 2013-2015 Model Years
Why you need quality insurance for your Sportage
Even though it can be expensive, maintaining insurance is required by state law in New York and it also provides benefits you may not be aware of.
- Most states have mandatory liability insurance requirements which means you are required to buy a minimum amount of liability insurance if you don’t want to risk a ticket. In New York these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you took out a loan on your vehicle, almost all lenders will have a requirement that you have comprehensive coverage to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the lender may insure your Kia at an extremely high rate and require you to reimburse them a much higher amount than you were paying before.
- Insurance preserves not only your vehicle but also your financial assets. It will also provide coverage for all forms of medical expenses for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will cover the repair costs.
The benefits of insuring your car outweigh the cost, especially with large liability claims. An average driver in America overpays as much as $700 annually so it’s important to compare rates at every renewal to save money.
Don’t give up on cheaper rates
Drivers who switch companies do it for a number of reasons such as questionable increases in premium, being labeled a high risk driver, an unsatisfactory settlement offer and high rates after DUI convictions. Whatever your reason, finding a new auto insurance company is less work than it seems.
As you quote Buffalo car insurance, it’s not a good idea to buy poor coverage just to save money. In many cases, someone dropped comprehensive coverage or liability limits to discover at claim time they didn’t purchase enough coverage. Your goal should be to purchase a proper amount of coverage at the best price but still have enough coverage for asset protection.
We just covered a lot of techniques to get a better price on Kia Sportage insurance in Buffalo. The key thing to remember is the more quotes you get, the higher your chance of finding the cheapest Kia Sportage rate quotes. You may even discover the best price on auto insurance is with a smaller regional carrier.
More information
- Teen Driver Licensing Information (iihs.org)
- Who Has Affordable Auto Insurance Quotes for a Toyota Tacoma in Buffalo? (FAQ)
- Who Has the Cheapest Buffalo Car Insurance Rates for Uninsured Drivers? (FAQ)
- Who Has Affordable Auto Insurance for Veterans in Buffalo? (FAQ)
- Who Has the Cheapest Auto Insurance for Low Mileage Drivers in Buffalo? (FAQ)
- Should I Buy a New or Used Car? (Allstate)
- Red Light Cameras (State Farm)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)