Why Drive a KIA Sportage?
The KIA Sportage is a great all-rounder for UK drivers; it’s stylish, practical, and smooth to drive. Since its launch, it’s been a common sight on British roads, loved for its balance of comfort and performance. As a compact crossover SUV, the KIA Sportage has plenty of space making it perfect for families, commuters or anyone who wants a car that’s easy to drive in towns and motorways. With the latest models having advanced technology and efficient engines, the Sportage has modern features at an affordable price – an all-rounder for the British lifestyle.
How Much Does a KIA Sportage Cost to Insure?
The price of your KIA Sportage insurance will vary between drivers. This is because insurance providers use a specific set of criteria to assess your level of risk. Since every driver and their situation is unique, you can expect the price of your insurance to vary. Some of these factors include insurance groups, your age, where you live and any no-claims bonus. Typically, insurance costs for a KIA Sportage range between £500 and £700 depending on these factors and your specific circumstances.
How Can I Get Cheaper KIA Sportage Insurance?
If you're looking for cheap KIA car insurance, check out our top tips for keeping your premiums low:
- Compare and switch: Comparing quotes from as many providers as possible is the best way to find a cheaper premium. While some providers might reward you for loyalty, this isn't always the case, and you may find a variety of new customer deals that are better suited to your budget and circumstances.
- Improve security: The KIA Sportage comes with a range of security features depending on the model. These include alarms, central locking and immobilisers. To lower your premiums and the risk of theft, consider boosting your vehicle's security with additional features, such as GPS trackers and dashcams.
- Take an advanced driver course: Some insurance providers reward drivers who have taken an advanced driver's course with lower premiums.
- Consider telematics: A telematics policy is an easy and effective way to reduce your premiums. By allowing a black box to monitor your driving habits, you can demonstrate your safe driving and low-risk behaviour to your insurer, which can lead to lower premiums.
- Be wary of additional drivers: Adding additional drivers to your policy is a great way to lower insurance costs. However, this only works if the additional driver has a good driving history, no claims and no violations, so be wary of who you are adding to your policy!
What Factors Influence the Cost of KIA Sportage Car Insurance?
The following factors will greatly influence your insurance premiums:
- Insurance groups: Insurance groups are measured from 1-50. They are dictated by engine size, trim level, performance and security features. Typically, the higher your insurance group, the more you'll have to pay. For example, lower-spec models with smaller engines typically fall into lower insurance groups, while higher-spec models with larger engines or more advanced features, such as the Sportage GT-Line or the hybrid variants, will be in higher insurance groups, making them more expensive to insure.
- Estimated annual mileage: How much you drive each year indicates to insurance providers how much of a risk you are. The higher your annual mileage, the more likely you are to be involved in an accident or make a claim.
- Driving record: If you have points on your license, previous accidents, or a history of making insurance claims, or have been banned, or have driving convictions, you will pay more than someone with a clean record. This is because insurers view you as a higher risk.
- No-claims bonus: Individuals who have built up a no-claims bonus will see this reflected in their premiums with lower prices.
- Coverage level: The type of car insurance you need and the level of cover will influence how much you might pay. Typically drivers who need a fully comprehensive policy will usually pay more than someone who needs third-party cover. However, it's always important to compare policies and quotes as this isn't always the case!
- Overnight parking: Where you park your car overnight can indicate to insurers the level of risk for damage or theft. Parking in a secure location, such as a garage or driveway, may result in lower premiums compared to a driver who parks on the street.