How Much Does 2014 Kia Forte Insurance Cost?

Want better car insurance rates for your Kia Forte? Finding low-cost car insurance over the internet is somewhat difficult for people who are beginners to quoting and buying their car insurance online. With such a large choice of insurers to choose from, how are people able to even start to compare each option to find the best price?

It’s a good habit to get comparison quotes once or twice a year because car insurance prices change frequently. Even if you got the best deal for Forte insurance two years ago you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because you’re about to find out the tricks you need to know to find better coverage at a better price.

Why your insurance costs might be higher

Smart consumers have a good feel for some of the things that help calculate the rates you pay for insurance coverage. If you understand what determines base rates, this enables you to make decisions that can earn you much lower annual insurance costs. Lots of factors are used in the calculation when you get a price on insurance. Some of the criteria are obvious such as your driving history, but other criteria are not quite as obvious such as your credit history and annual miles driven.

The following are some of the items companies use to determine your rates.

  • Bad drivers pay high prices – Having a single driving citation could increase your next policy renewal by as much as twenty percent. Careful drivers have lower premiums than people who have multiple driving citations. People who have multiple tickets such as reckless driving or DUI may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.
  • Raise coverage deductibles and save – Physical damage protection, aka comp and collision, insures against damage to your Kia. Examples of some claims that would be covered would be running into the backend of another car, hail damage, and burglary. Comprehensive and collision coverage deductibles state the amount of money you are willing to pay if a covered claim is submitted. The higher the amount you pay before a claim is paid (deductible), the bigger discount you will receive for Forte insurance.
  • What are good liability coverage limits? – The liability coverage on your policy is the protection in the event that you are found liable for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense which can cost thousands of dollars. It is affordable coverage compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • How your age affects prices – Youthful drivers have been known to be more careless in a vehicle so insurance coverage rates are higher. Having to add a first-time driver onto your insurance coverage can really hurt. More mature drivers are shown to be more cautious, are lower risk to insure and get fewer tickets.
  • Policy lapses lead to higher rates – Driving any period of time without insurance can get your license suspended and you may have a hard time finding new coverage because you let your insurance expire. Not only will you pay higher rates, being ticketed for driving with no insurance might get you a steep fine or even jail time. You could then be forced to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Premiums for men may be higher – The statistics show women are more cautious behind the wheel. However, don’t assume that women are better drivers. They both are in accidents in similar numbers, but the male of the species have accidents that have higher claims. In addition to higher claims, males also receive more major tickets such as DWI and reckless driving.

Buy insurance online

All major insurance companies allow consumers to get coverage prices direct online. Doing online price comparisons is fairly simple as you just type in the coverage amounts you desire into a form. Upon sending the form, their system automatically orders your driving and credit reports and generates a price based on the data you entered.

Quoting online makes it simple to compare prices but the time it takes to visit many different websites and type in the same information can be a bit tiresome and repetitive. Unfortunately, it is important to have as many quotes as possible in order to get lower prices.

The easiest way to compare insurance pricing makes use of a single form to return rates from multiple companies. It saves time, helps eliminate reptitive entry, and makes online price comparison much more enjoyable and efficient. Once the form is submitted, your coverage is rated with multiple companies and you can pick any one of the quotes returned. If you find a better price you can click and sign and buy the policy. It can be completed in less than 10 minutes and may save quite a bit of money.

If you want to get comparison pricing now, click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended that you enter deductibles and limits exactly as they are listed on your policy. This helps ensure you will be getting rate comparison quotes based on the exact same insurance coverage.

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

Respected companies like Geico, State Farm and Progressive continually stream ads on television and other media. They all seem to tend to make the same promise about how much you will save if you move to them. How can each company charge you less for car insurance? This is how they do it.

Many companies quote their cheapest rates for the type of customer that will generate a profit. One example of this type of insured might be described as over the age of 40, owns a home, and does not commute to work. Any driver that fits those parameters will get the preferred premium rates and have a good chance to save some money.

Drivers who are not a match for this ideal profile will probably have to pay higher rates which results in the driver buying from a lower-cost company. The ads state “drivers who switch” not “everyone who quotes” save the amount stated. That’s why insurance companies can confidently advertise the way they do. This really illustrates why it is so important to get insurance quotes as often as possible. It’s impossible to know which insurance company will fit you best based on your risk profile.

Auto insurance policy discounts

Insurance can be prohibitively expensive, but there’s a good chance there are discounts to help bring down the price. Certain credits will be shown when you purchase, but less common discounts must be manually applied before you get the savings.

  • Driving Data Discount – Insureds that choose to allow their auto insurance company to scrutinize where and when they drive through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm may see discounts if they are good drivers.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% for Forte insurance.
  • Student in College – College-age children who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • ABS and Traction Control Discounts – Cars and trucks that have anti-lock braking systems prevent accidents and the ABS can save up to 10%.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance.
  • Low Mileage Discounts – Keeping the miles down on your Kia can earn lower prices due to less chance of an accident.
  • Pay Early and Save – By making one initial payment rather than paying in monthly installments you can actually save on your bill.
  • Driver’s Education for Students – Have your child participate in a local driver’s education class if offered at their school.
  • Waiver for an Accident – This one is not really a discount per se, but companies like Progressive, Allstate, and Geico will allow you to have one accident without raising rates if you are claim-free for a set time period.
  • Discounts for Responsible Drivers – Drivers who avoid accidents could pay up to 40% less for Forte insurance compared to accident prone drivers.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Despite the appearance that all the discounts add up to a free policy, nobody gets a free ride.

Popular auto insurance companies and some of the discounts are detailed below.

  • Farmers Insurance offers premium reductions for mature driver, alternative fuel, bundle discounts, homeowner, business and professional, pay in full, and switch companies.
  • Esurance may include discounts for Switch & Save, renters, anti-lock brakes, multi-car, Pac-12 alumni, and homeowner.
  • State Farm may offer discounts for defensive driving training, Steer Clear safe driver discount, good driver, passive restraint, Drive Safe & Save, anti-theft, and multiple autos.
  • Geico offers discounts for air bags, five-year accident-free, seat belt use, defensive driver, emergency military deployment, and membership and employees.
  • Allstate has discounts for safe driver, economy car, 55 and retired, utility vehicle, and anti-lock brakes.

Double check with each company to apply every possible discount. Some credits may not apply in every state.

How do I know if I need professional advice?

When choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Every insured’s situation is different.

For example, these questions may help highlight if you may require specific advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • Can I afford low physical damage deductibles?
  • Do I need to file an SR-22 for a DUI in my state?
  • Can I afford to pay high deductible claims out of pocket?
  • What is roadside assistance coverage?
  • If my 2014 Kia Forte is totaled, can I afford another vehicle?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Specific coverage details

Having a good grasp of your policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for expenses such as rehabilitation expenses, surgery, EMT expenses and dental work. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like theft, fire damage, hail damage, a broken windshield and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – Collision coverage will pay to fix damage to your Forte from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as rolling your car, damaging your car on a curb, sustaining damage from a pot hole and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Kia Forte.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Liability auto insurance – This coverage provides protection from injuries or damage you cause to people or other property. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as repair bills for other people’s vehicles, emergency aid, pain and suffering and medical services. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Shop around and save

While you’re price shopping online, do not reduce needed coverages to save money. There have been many situations where an accident victim reduced physical damage coverage and found out when filing a claim that it was a big mistake. Your focus should be to find the BEST coverage for the lowest cost while still protecting your assets.

Discount 2014 Kia Forte insurance can be purchased online and from local agencies, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers do not provide online rate quotes and usually these small, regional companies sell through local independent agents.

You just read many tips how you can save on 2014 Kia Forte insurance. It’s most important to understand that the more times you quote, the higher your chance of finding low cost insurance. You may be surprised to find that the best price on car insurance is with a company that doesn’t do a lot of advertising.

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