How Much Does 2013 Kia Forte Car Insurance Cost?

Want better insurance rates for your Kia Forte? Shopping for lower-cost insurance online can appear to be overwhelming for vehicle owners that are relatively new to comparing rates over the internet. When there are so many online companies, how are we expected to efficiently compare every company in order to find the lowest price?

Lower-cost auto insurance quotes with discounts

Some companies do not list all disounts very clearly, so the list below contains some of the best known as well as the least known credits available to lower your premiums when you buy insurance online.

  • Good Student Discount – Being a good student can be rewarded with saving of up to 25%. Most companies allow this discount up to age 25.
  • Driving Data Discount – Drivers who agree to allow driving data collection to scrutinize driving manner by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates if they show good driving skills.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Paperwork-free – Many auto insurance companies will discount your bill up to fifty bucks get insurance on the web.
  • Discounts for Multiple Vehicles – Buying a policy with several vehicles on one policy can get a discount on all vehicles.
  • Accident Free – Claim-free drivers can earn big discounts as opposed to policyholders that have many claims.
  • Braking Control Discount – Cars, trucks, and SUVs with ABS braking systems or traction control are much safer to drive so you can save 10 percent or more.
  • Student in College – Children who live away from home to go to college and do not have a car may qualify for this discount.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you can avoid the installment charge.

It’s important to understand that most discounts do not apply to all coverage premiums. Some only reduce specific coverage prices like collision or personal injury protection. If you do the math and it seems like you can get free auto insurance, companies wouldn’t make money that way.

For a list of auto insurance companies with the best auto insurance discounts, follow this link.

Tailor your car insurance coverage to you

When buying proper insurance coverage, there really is no one size fits all plan. Everyone’s needs are different.

For instance, these questions can help discover whether your personal situation might need professional guidance.

  • What can I do if my company won’t pay a claim?
  • Should I waive the damage coverage when renting a car?
  • What if I total my 2013 Kia Forte and owe more than it’s worth?
  • How do I file an SR-22 for a DUI in my state?
  • Does my personal policy cover me when driving out-of-state?
  • Why do I only qualify for high-risk insurance?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form.

Save 15 percent in 15 minutes? Is it for real?

Respected companies like 21st Century, Allstate and State Farm endlessly run ads on TV and radio. They all seem to make the same claim that you’ll save big if you change your policy. That’s great but how can every company save you money? It’s all in the words they use.

Different companies have specific characteristics for the right customer that earns them the most money. An example of a profitable customer should be between 30 and 50, has a clear driving record, and drives newer vehicles. A propective insured that meets those criteria will get very good prices and have a good chance to pay quite a bit less when switching companies.

Potential customers who cannot meet these stringent criteria will probably have to pay more expensive rates which results in the customer buying from someone else. The trick is to say “customers who switch” not “everybody who quotes” save that much when switching. That’s the way insurance companies can advertise the savings. This really illustrates why you really should get as many free insurance quotes as possible. Because you cannot predict which car insurance company will be your best fit.

Insurance specifics

Knowing the specifics of insurance aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive protection

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, a broken windshield and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Kia Forte.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Auto collision coverage

This coverage covers damage to your Forte resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sideswiping another vehicle, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like EMT expenses, prosthetic devices and rehabilitation expenses. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverage

This coverage will cover damage that occurs to people or other property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like repair bills for other people’s vehicles, court costs, pain and suffering, funeral expenses and loss of income. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

A fool and his money are soon parted

As you go through the steps to switch your coverage, do not reduce needed coverages to save money. In many cases, an insured cut uninsured motorist or liability limits only to find out that it was a big mistake. Your aim should be to purchase plenty of coverage at the best possible price, but do not skimp to save money.

Cost effective 2013 Kia Forte insurance can be sourced from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers do not offer rates over the internet and usually these small insurance companies provide coverage only through independent agents.

Drivers switch companies for a variety of reasons including policy non-renewal, extreme rates for teen drivers, delays in responding to claim requests and being labeled a high risk driver. No matter why you want to switch, finding the right insurance coverage provider is pretty simple and you could end up saving a buck or two.

Additional information