Cheapest Kia Sportage Car Insurance (Nov 2024)

Written by R.E. Fulton and 2 others
Nov 26, 2024
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Cheapest Kia Sportage Car Insurance (Nov 2024)

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How much does Kia Sportage car insurance cost?

On average, Kia Sportage drivers spend $88 each month on state minimum car insurance and $160 per month for full coverage. Compared to other popular cars like the Infiniti Q50, Mercedes-Benz GLB, and Ford Focus, the Kia Sportage is 29% more expensive to insure.

However, there is no real ‘average’ cost of car insurance as your price depends on your driver profile. Many factors play a role in determining your Kia Sportage insurance costs, from the trim level you own to your car’s age. The only way to understand how much your car insurance will cost is to compare car insurance quotes

Compare the cheapest Kia Sportage car insurance quotes

This may feel complicated, but it doesn’t have to be. Jerry is a car insurance price comparison tool that helps you to easily compare quotes, saving you time and money. Jerry has helped Kia Sportage drivers save an average of $581 per year on their car insurance.

Check out the table below to see real, free quotes that real people have gotten from Jerry.

Date
Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
January 5, 2021 Kia Sportage Lx Plymouth Rock $189 Jonathan, 31, Hamburg, PA State Minimum Yes
May 6, 2020 Kia Sportage Ex Clearcover $149 Richard, 37, Milwaukee, WI 50/100 Yes
July 31, 2020 Kia Sportage Lx Infinity $200 Jared, 63, Clearwater, FL 50/100 Yes
March 23, 2022 Kia Sportage Lx Allstate $191 Luis, 66, Bloomingdale, GA 50/100 Yes
June 24, 2023 Kia Sportage Lx Gainsco $41 Patrick, 71, Wellsville, MO State Minimum No
Last Updated Nov 26, 2024

However, insurance costs can vary greatly even for the same model. In addition to your driving record, ZIP code, and insurance history, insurance companies will consider your car’s model year and trim level when generating a quote.

To find out the rate for your Kia Sportage, you’ll need to get car insurance quotes from at least three insurance companies.

The best car insurance companies for Kia Sportage owners

There’s no single best insurance company for all Kia Sportage owners—car insurance rates are highly personalized, and every insurance company uses a slightly different algorithm to calculate your premiums.

But that doesn’t mean we can’t find the best insurance company for you.

Jerry conducted the largest survey in the nation to help people compare car insurance companies. Check out how drivers rate different insurance companies below.

Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco4.64.444.5
Travelers4.54.24.44.5
Progressive4.33.93.94.3
AAA4.243.84.4
Allstate4.23.63.84.2
USAA43.54.54.2
State Farm43.43.84.2
Farmers43.44.13.9
Geico3.93.33.94
Liberty Mutual3.73.23.53.7
  • How’d we get these scores?Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

How much car insurance do you need for a Kia Sportage?

The average cost of Kia Sportage insurance is $160 per month for full coverage and $88 for state minimum coverage– but individual quotes can vary greatly depending on a variety of factors including model year, trim level, driving history coverage levels, and more.

CarAverage Full Coverage Insurance CostAverage State Minimum Insurance Cost
Kia Sportage$160$88
  • Minimum coverage insurance is the minimum amount of coverage legally required in your state, which typically includes at least bodily injury and property damage liability insurance.
  • Full coverage insurance provides financial protection for damage to yourself, your vehicle, and other vehicles and passengers involved in an accident.

While knowing auto insurance averages can be useful, getting personalized quotes is the best way to shop for insurance. Jerry makes quote shopping easy, finding you the best coverage at the best rate.

Why are some trims more expensive to insure than others?

Repair and replacement costs tend to be higher for premium trim levels, making them a higher risk to insurance companies.

Check out the table below to see the average cost of auto insurance for some popular Kia Sportage trims.

CarMonthly minimum coverage cost Monthly full coverage cost
Sportage KIA Base$107$143
Sportage KIA EX$85$154
Sportage KIA LX$88$161
Sportage KIA S$89$161
Sportage KIA SX$106$151

Kia Sportage insurance cost by model year

The more recently your Kia Sportage was manufactured, the more it’ll cost to insure. New models are worth more and often have higher repair costs thanks to cutting-edge technology. Check out some see real quotes for Kia Sportages provided by Jerry to better understand how your driver profile might affect your cost.

2023 Kia Sportage car insurance quotes

Unfortunately, newer cars can also come with higher car insurance rates. Here’s what Jerry drivers pay to insure their 2023 Kia Sportage:

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Sportage 2023 National General $123 Fred, 45, Nashville, TN 50/100 No
Sportage 2023 Electric $86 Isabelle, 27, Glendale Heights, IL State Minimum No
Sportage 2023 Progressive $85 Mark, 27, Tucson, AZ 50/100 Yes
Sportage 2023 Progressive $212 Blanche, 27, Littleton, CO State Minimum Yes
Sportage 2023 Bristol West $1,062 Wayne, 31, Fort Worth, TX 100/300 Yes
Last Updated Nov 26, 2024

2022 Kia Sportage car insurance quotes

It’s important to remember that car insurance rates are as unique at the drivers themselves. The best way to understand how much you might pay is to compare real quotes like the ones below from different insurance companies. Check out some real quotes Jerry compared for 2022 Kia Sportage drivers below:

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Sportage 2022 Infinity $133 Emma, 27, Rosemead, CA State Minimum No
Sportage 2022 AAA $329 Ophelia, 34, Winchester, KY 50/100 Yes
Sportage 2022 Aspire Advantage $138 Franklin, 24, Placentia, CA State Minimum No
Sportage 2022 Mercury $77 Derrick, 61, Glendale, AZ State Minimum Yes
Sportage 2022 National General $153 Aaron, 27, Melbourne, FL State Minimum Yes
Last Updated Nov 26, 2024

2021 Kia Sportage car insurance quotes

Jerry compares quotes from over 55+ top insurance companies for you. Compare some real examples of what Jerry drivers pay to insure their 2021 Kia Sportage:

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Sportage 2021 Progressive $148 Ida, 29, Coatesville, PA 50/100 Yes
Sportage 2021 Progressive $225 Max, 76, Brooksville, FL 100/300 Yes
Sportage 2021 Allstate $181 Mamie, 28, Olivehurst, CA 100/300 Yes
Sportage 2021 The General $278 Todd, 42, Lagrange, GA State Minimum Yes
Sportage 2021 Mercury $108 Nannie, 29, Webster, NY State Minimum Yes
Last Updated Nov 26, 2024

If your car is more than 3 years old, you might be able to secure a cheaper car insurance rate. Check out how much Jerry drivers are paying to insure their year Kia Sportage with our real quote examples below:

2020 Kia Sportage car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Sportage 2020 Progressive $477 Violet, 38, Lithonia, GA State Minimum Yes
Sportage 2020 Kemper $198 Sally, 47, Akron, OH State Minimum Yes
Sportage 2020 Progressive $43 Raymond, 51, Massillon, OH 50/100 Yes
Sportage 2020 Progressive $39 Andrew, 78, Buffalo, NY State Minimum No
Sportage 2020 Safeco $416 Ray, 30, Los Angeles, CA 100/300 Yes
Last Updated Nov 26, 2024

2019 Kia Sportage car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Sportage 2019 Infinity $200 Jared, 63, Clearwater, FL 50/100 Yes
Sportage 2019 Travelers $461 Joe, 34, Philadelphia, PA 100/300 Yes
Sportage 2019 Bristol West $133 Florence, 27, Cleveland, OH State Minimum Yes
Sportage 2019 Travelers $89 Jared, 69, Epsom, NH State Minimum Yes
Sportage 2019 Nationwide $156 Alan, 32, Villa Ridge, MO 50/100 Yes
Last Updated Nov 26, 2024

2018 Kia Sportage car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Sportage 2018 Kemper $148 Lucile, 47, Queens, NY State Minimum Yes
Sportage 2018 State Auto $174 Duane, 66, Goose Creek, SC State Minimum Yes
Sportage 2018 Safeco $175 Iva, 69, Fountain Hills, AZ 100/300 Yes
Sportage 2018 Progressive $210 Jayden, 62, Dover, DE State Minimum Yes
Sportage 2018 Bristol West $115 Nettie, 59, Boston, MA State Minimum No
Last Updated Nov 26, 2024

2017 Kia Sportage car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Sportage 2017 Allstate $191 Luis, 66, Bloomingdale, GA 50/100 Yes
Sportage 2017 Gainsco $41 Patrick, 71, Wellsville, MO State Minimum No
Sportage 2017 Nationwide $99 Jonathan, 70, Spokane, WA 100/300 Yes
Sportage 2017 Plymouth Rock $148 Eugene, 53, Hopatcong, NJ 15/30 Yes
Sportage 2017 Clearcover $216 Nathaniel, 53, Dallas, TX State Minimum Yes
Last Updated Nov 26, 2024

2016 Kia Sportage car insurance quotes

Car Model Year
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Sportage 2016 Nationwide $137 Jerry, 52, Philadelphia, PA State Minimum Yes
Sportage 2016 Kemper $180 Jordan, 56, Fort Walton Beach, FL State Minimum Yes
Sportage 2016 State Auto $140 Mattie, 64, Hampton, VA State Minimum Yes
Sportage 2016 Progressive $316 Lula, 34, North Chesterfield, VA 100/300 Yes
Sportage 2016 Progressive $170 Albert, 32, Aransas Pass, TX 100/300 Yes
Last Updated Nov 26, 2024

2015 Kia Sportage car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Sportage 2015 Progressive $3,091 Susan, 42, Brooklyn, NY State Minimum No
Sportage 2015 Nationwide $299 Clyde, 64, Floral Park, NY State Minimum Yes
Sportage 2015 Nationwide $398 Beulah, 38, Staten Island, NY 100/300 Yes
Sportage 2015 Progressive $356 Ora, 44, Las Vegas, NV State Minimum Yes
Sportage 2015 Mercury $182 Brandon, 54, Fort Myers, FL 50/100 Yes
Last Updated Nov 26, 2024

2014 Kia Sportage car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Sportage 2014 State Auto $153 Kathryn, 53, Florence, KY 50/100 Yes
Sportage 2014 Assurance America $245 Susan, 33, Houston, TX State Minimum Yes
Sportage 2014 Safeco $229 Derek, 41, Glen Burnie, MD 100/300 Yes
Sportage 2014 Progressive $64 Kevin, 40, Hamburg, PA 25/50 Yes
Sportage 2014 Bristol West $144 Nicholas, 32, Chicago, IL State Minimum Yes
Last Updated Nov 26, 2024

2013 Kia Sportage car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Sportage 2013 Plymouth Rock $189 Jonathan, 31, Hamburg, PA State Minimum Yes
Sportage 2013 Nationwide $136 Cynthia, 61, Vine Grove, KY State Minimum Yes
Sportage 2013 Nationwide $114 Christopher, 69, Puyallup, WA 100/300 Yes
Sportage 2013 Progressive $82 Genevieve, 67, Frisco, TX 50/100 Yes
Sportage 2013 Progressive $154 Ola, 28, Knoxville, TN 100/300 Yes
Last Updated Nov 26, 2024

Are Kia Sportages expensive to insure?

The average Kia Sportage insurance rate is $88 per month. Compared to the national average for other models from a similar price range, it is 29% more expensive to insure a Kia Sportage .

CarMonthly minimum coverage costMonthly full coverage cost
Kia Sportage$88$160
Mitsubishi Mirage$98$195
Subaru XV$75$152
Fiat 500X$118$181
Mazda 3$95$178

Why are similar cars more or less expensive to insure? When calculating the cost of your insurance, insurance companies take many factors into consideration. MSRP, trim level, model year, and the cost of repairs are some of the many factors that can influence how much your insurance costs.

Kia Sportage safety ratings

Insurance companies also consider the safety ratings of a particular car to determine insurance premiums.

The two best-known vehicle safety rating organizations are:

  • Insurance Institute for Highway Safety (IIHS): The IIHS assesses the safety of a vehicle using two factors: how well vehicle occupants are protected in the event of a car crash, and how well the technology in the vehicle can prevent or reduce the severity of crashes.
  • National Highway Traffic Safety Administration (NHTSA): The NHTSA’s 5-Star Safety Rating is based on how vehicles perform in frontal, side and rollover crash tests.

See the tables below for a detailed look at safety ratings for the Kia Sportage.

Insurance Institute for Highway Safety (IIHS) Rating

Rating typeRating
Headlights (varies by trim/option)Average/Poor depending on trim/option
Front crash prevention: vehicle-to-vehicleSuperior
Front crash prevention: vehicle-to-pedestrian (day)Superior
LATCH ease of useSuperior

Kia Sportage safety features

The safety features of a model will also impact your insurance costs.


A vehicle with more advanced safety features poses a lower risk to insurance companies. As a result, insurance costs will be lower for vehicles with more (and better) safety features.


The Kia Sportage has a variety of safety features. Learn more about them below.

Safety featureDescription
Anti-lock brakesABS brakes automatically sense when a tire has stopped rotating under extreme braking, and will modulate the brake pressure to allow the tire to rotate.This increases the vehicles ability to turn while braking.
Front-impact airbagsFront-impact airbags for the driver and passenger have been designed to protect the head during a frontal crash.
Stability controlStability control automatically senses when the vehicles handling limits have been exceeded and reduces engine power and/or applies select brakes to help prevent the driver from losing control of the vehicle.
PretensionersSeatbelt pretensioners automatically tighten seatbelts to place the occupant in the optimal seating position during a collision.
Side impact airbagsSide impact airbags for the front seats have been designed to protect the torso during a side impact collision.
Overhead airbagsOverhead airbags are used to protect the occupant’s heads in the event of a side collision or rollover.
Security systemThe vehicle is equipped with a means of anticipating and/or detecting unwanted vehicle intrusion. The vehicle is equipped with an ignition disable device that will prevent the engine from starting if the correct original manufacturer key is not used.

What other factors affect Kia Sportage insurance rates?

Many factors influence your car insurance rate, such as:

  • The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
  • Your age: Driver age affects insurance rates too. Drivers under 25 years of age will pay higher insurance rates. Insurance companies consider young drivers to be high risks due to their limited driving experience.
  • Your driving record and claims history: Insurance companies will charge more if you have a history of accidents or tickets.

Kia Sportage insurance cost for young drivers

Teen drivers between the ages of 16 and 19 face the highest insurance costs out of any age group. For teen car owners driving a newer car, full coverage insurance offers better financial protection, since teenagers are more likely to get into accidents.

Kia Sportage insurance cost for senior drivers

As you enter your mid-70s, car insurance costs begin to climb again. Car insurance rates for seniors tend to be higher for several reasons.

Older drivers are more likely to be involved in accidents, and are also more vulnerable to severe injuries in the event of a collision, leading to significant medical expenses and other increased costs for insurance providers.

Kia Sportage insurance cost for drivers with driving violations

Your driving record impacts your auto insurance quotes. Those with a clean driving record are rewarded with lower insurance premiums.

If insurance companies notice a history of violations, they’ll see you as a higher risk and charge you a steeper rate. Some common violations that could increase your insurance rates include:

  • Speeding
  • DUIs
  • At fault accident
  • Reckless driving
  • Driving on a suspended license

Cheapest car insurance for Kia Sportage drivers with speeding ticket

There are varying degrees of speeding. For example, speeding 1-5 MPH over the limit, 6-10 MPH over the limit generally won’t raise your rates as much as speeding over 21 MPH over the limit.

Jerry is proud to help Kia Sportage drivers with varying speeding tickets save on car insurance.

Speeding Type
Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
Speeding Violation-Minor Kia Sportage Lx Plymouth Rock $189 Jonathan, 31, Hamburg, PA State Minimum Yes
Speeding Violation-Major Kia Sportage Lx Gainsco $41 Patrick, 71, Wellsville, MO State Minimum No
Speeding 11-15 Kia Sportage Ex State Auto $174 Duane, 66, Goose Creek, SC State Minimum Yes
Speeding Violation-Major Kia Sportage Base Assurance America $245 Susan, 33, Houston, TX State Minimum Yes
Speeding 16-20 Kia Sportage Lx Nationwide $398 Beulah, 38, Staten Island, NY 100/300 Yes
Last Updated Nov 26, 2024

Cheapest car insurance for Kia Sportage drivers with a DUI record

If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another.

You may need to compare rates from many insurance companies to find low-cost options after a DUI. Jerry has helped many Kia Sportage drivers obtain affordable auto insurance rates after a DUI.

Cheapest car insurance for Kia Sportage drivers after an accident

One of the most important factors affecting car insurance rates is your car accident or claim history.

If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Kia Sportage drivers save on car insurance after car accidents.

Accident type
Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
Not At Fault Kia Sportage Lx Infinity $200 Jared, 63, Clearwater, FL 50/100 Yes
At Fault With No Injury Kia Sportage Lx Allstate $191 Luis, 66, Bloomingdale, GA 50/100 Yes
At Fault With Injury Kia Sportage Lx Progressive $3,091 Susan, 42, Brooklyn, NY State Minimum No
At Fault With Injury Kia Sportage Ex Kemper $148 Lucile, 47, Queens, NY State Minimum Yes
At Fault With No Injury Kia Sportage Lx Safeco $175 Iva, 69, Fountain Hills, AZ 100/300 Yes
Last Updated Nov 26, 2024

Cheapest car insurance for Kia Sportage drivers with other driving violations on their record

Other driving violations have the power to impact the cost of your insurance, too. In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your car insurance costs to increase.

We’ve compiled a list of various other driving violations and how we helped Kia Sportage drivers with these violations save on their car insurance.

Violation
Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
Other Minor Kia Sportage Ex Clearcover $149 Richard, 37, Milwaukee, WI 50/100 Yes
Failure to show documents Kia Sportage Lx Progressive $3,091 Susan, 42, Brooklyn, NY State Minimum No
DUI Kia Sportage Lx Nationwide $156 Alan, 32, Villa Ridge, MO 50/100 Yes
Failure to Yield Kia Sportage Lx Bristol West $379 Marie, 60, Dallas, GA 50/100 Yes
Driving on Sus. License Kia Sportage Lx Progressive $123 Hattie, 49, North Richland Hills, TX State Minimum No
Last Updated Nov 26, 2024

How can I lower the cost of insurance for my car?

There are a variety of ways to lower insurance costs for your vehicle.

  • Shop around: Shopping around for insurance coverage by comparing quotes from different insurance providers allows you to find the best coverage at the best price. Jerry makes this process easy by gathering quotes from over 55 top insurance companies in minutes, so you can compare prices. If you find a better deal, Jerry can even help you buy your new policy and cancel your old one.
  • Raise your deductible: Your car insurance deductible is the amount of money you pay out of pocket before your collision or comprehensive coverage kicks in. Raising your deductible reduces monthly insurance payments—but avoid raising it higher than you can afford to pay.
  • Reduce your coverage: If you have any older cars, you can reduce coverage on them to lower your bill. This is a good idea if your car is worth less than 10 times the premium you’re paying.
  • Research discounts: All insurance companies offer discounts, but they’re not always advertised, and your eligibility may vary from provider to provider. Check with your current insurer to see what discounts you might be missing out on.
  • Bundle your insurance policies: Bundling your homeowners and auto insurance with the same company can amount to a lower overall bill.
MEET OUR EXPERTS
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R.E. Fulton
  • Licensed Insurance Agent

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

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Lina Zhang

Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.

Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.

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Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research

We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team

The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

For illustrative purposes only, results may vary

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.