2012 Kia Forte Car Insurance Rates – 6 Tips for Best Quotes

Trying to find lower car insurance rates for your Kia Forte? Perplexed by the sheer number of car insurance choices available to you? Vehicle owners have such a large number of options that it can easily become a ton of work to find better car insurance rates.

Finding the best rates is not rocket science. If you currently have car insurance, you will most likely be able to reduce your rates substantially using these techniques. Although car owners should learn the way companies sell online and use this information to your advantage.

The quickest method we recommend to compare insurance rates from multiple companies is to realize almost all companies provide online access to compare rate quotes. To get started, all you need to do is provide a little information like the make and model of your vehicles, whether your vehicle is owned or leased, if a SR-22 is required, and driver details. Your information gets sent immediately to multiple insurance coverage providers and you should receive rate quotes instantly to find the best rate.

To check car insurance prices now, click here and find out if lower rates are available.

Take these six policy discounts and save

Not many people think insurance is cheap, but you can get discounts to cut the cost considerably. Many of these discounts will be applied automatically at the time of quoting, but some may not be applied and must be requested specifically before being credited.

  • Discount for Swiching Early – A few companies allow discounts for buying a new policy before your current expiration date. You could save around 10% when you buy insurance online.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags can get savings of up to 25% or more.
  • Drivers Ed for Students – Have your child take driver’s ed class in school or through a local driver safety program.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles help deter theft and earn discounts up to 10% off your insurance quote.
  • Mature Driver Discount – If you qualify as a senior citizen, you may qualify for reduced rates for Forte coverage.
  • ABS Brakes – Cars, trucks, and SUVs that have anti-lock braking systems are safer to drive so you can save 10 percent or more.

While discounts sound great, it’s important to understand that many deductions do not apply to the entire policy premium. Most cut individual premiums such as medical payments or collision. Just because you may think it’s possible to get free car insurance, that’s just not realistic.

A partial list of companies who may offer many of the previously listed discounts include:

If you need lower rates, check with every company which discounts you may be entitled to. Some of the discounts discussed earlier might not apply in your area. If you would like to choose from a list of insurers with discount rates, click here.

Which policy gives me the best coverage?

When choosing the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Every situation is different.

For example, these questions might point out whether you could use an agent’s help.

  • How do I insure my teen driver?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do all my vehicles need collision coverage?
  • Does coverage extend to Mexico or Canada?
  • Which is better, split liability limits or combined limits?
  • Why is insurance for a teen driver so high?
  • Is a blown tire covered by insurance?
  • Is there coverage for injuries to my pets?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Insurance myths debunked

Popular insurance providers such as Geico, State Farm and Progressive consistently run television and radio advertisements. They all seem to make the promise about saving some big amount if you move your coverage to them. How does each company give you a better price? It’s all in the wording.

Many companies look for specific characteristics for the type of driver that will not have excessive claims. One example of this type of driver might be over age 30, has never had a claim, and drives less than 7,500 miles a year. Any person that fits those parameters gets the lowest premium rates and will cut their rates if they switch.

Consumers who don’t measure up to this stringent profile will have to pay a more expensive rate with the end result being the prospect going elsewhere. The trick is to say “people that switch” not “everybody who quotes” save that much. That’s the way companies can truthfully make claims that they all have the best car insurance rates. Because of these techniques, you absolutely need to get price quotes at each policy renewal. You cannot predict which insurance company will provide the lowest rates.

Educate yourself about auto insurance coverages

Having a good grasp of your policy can help you determine appropriate coverage for your vehicles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Liability coverages

This protects you from damage or injury you incur to people or other property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like loss of income, court costs, structural damage and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive coverages

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as a broken windshield, vandalism and damage from flooding. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for pain medications, prosthetic devices and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your Kia Forte.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverage protection

This coverage pays for damage to your Forte from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like driving through your garage door, crashing into a building and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

More effort can pay off

Drivers change insurance companies for a variety of reasons including questionable increases in premium, not issuing a premium refund, lack of trust in their agent or high rates after DUI convictions. It doesn’t matter what your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

When searching for cheaper insurance quotes, never buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut liability coverage limits only to regret at claim time that the savings was not a smart move. The proper strategy is to get the best coverage possible at an affordable rate and still be able to protect your assets.

In this article, we presented a lot of ways to reduce 2012 Kia Forte insurance prices online. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. Consumers could even find that the biggest savings come from a small local company.

More detailed insurance information can be found in the articles below: