2016 Kia Forte Car Insurance Cost

Looking for cheaper insurance rates for your Kia Forte? Car insurance shoppers not familiar with comparing insurance quotes on the internet could find sourcing the cheapest auto insurance is tougher than they thought.

Insurance Coverage Discounts

Insurance coverage is not inexpensive, but you may be missing some discounts that you may not even know about. A few discounts will automatically apply when you purchase, but a few need to be manually applied before being credited.

  • Online Discount – Some of the larger companies provide a small discount get auto insurance on your computer.
  • Bundle and Save – If you can bundle your homeowners and auto insurance and insure them with the same company you could earn a discount of nearly 15% which can help you find inexpensive auto insurance.
  • 55 and Retired – Older drivers can possibly qualify for better insurance coverage rates on Forte insurance.
  • Organization Discounts – Joining qualifying clubs or civic groups is a good way to get lower rates on your next insurance coverage statement.
  • Active Military Service – Having a deployed family member could be rewarded with lower insurance coverage rates.
  • New Car Discount – Buying insurance on a new vehicle can cost up to 25% less since new model year vehicles have better safety ratings.
  • Good Grades Discount – Excelling in school can earn a discount of 20% or more. Many companies even apply the discount to college students up to age 25.
  • Full Payment Discount – By paying your policy upfront as opposed to paying monthly you may have a lower total premium amount.
  • Discount for Low Mileage – Low mileage vehicles may enable drivers to earn discounted prices on garaged vehicles.

Don’t be surprised that some of the credits will not apply the the whole policy. Most cut the cost of specific coverages such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

A few popular companies and the discounts they provide are:

  • State Farm includes discounts for good driver, passive restraint, multiple autos, Drive Safe & Save, good student, and anti-theft.
  • Geico may include discounts for membership and employees, multi-policy, air bags, anti-theft, military active duty, and five-year accident-free.
  • Allstate offers premium reductions for FullPay discount, eSmart discount, anti-lock brakes, new car, safe driver, resident student, and anti-theft.
  • SAFECO may have discounts that include anti-lock brakes, teen safe driver, anti-theft, accident prevention training, bundle discounts, homeowner, and multi-car.
  • Farm Bureau discounts include driver training, good student, multi-vehicle, youthful driver, and renewal discount.
  • Progressive offers discounts including online signing, good student, multi-policy, online quote discount, continuous coverage, and homeowner.
  • AAA may offer discounts for multi-car, good driver, multi-policy, education and occupation, pay-in-full, and anti-theft.

If you need cheaper auto insurance quotes, ask each company or agent which discounts you may be entitled to. Discounts may not apply in every state. For a list of insurers with the best insurance coverage discounts, follow this link.

How to lower your insurance premiums

Consumers need to have an understanding of the factors that come into play when calculating car insurance rates. If you understand what determines premiums, this helps enable you to make changes that could result in big savings. Many different elements are used in the calculation when premium rates are determined. Most are fairly basic such as your driving history, although some other factors are more obscure such as your credit history or your vehicle rating.

Shown below are most of the major factors used by insurance companies to determine premiums.

  • Obey driving laws and save – Drivers who don’t get tickets have lower premiums as compared to careless drivers. Just one chargable violation may cause rates to rise by as much as thirty percent. Drivers unfortunate enough to have dangerous citations such as DUI or reckless driving may be required to complete a SR-22 with their state’s department of motor vehicles in order to legally drive.
  • Save money by having excellent credit – Your credit rating can be a huge factor in calculating your car insurance rates. If your credit score leaves room for improvement, you may save money insuring your 2016 Kia Forte by improving your credit score. People that have excellent credit tend to be better drivers and file fewer claims than those with bad credit.
  • Do you work long hours in a demanding employer? – Occupational choices like doctors, architects and financial analysts tend to have higher premium rates attributed to stressful work requirements and incredibly demanding work hours. Other careers such as actors, athletes and retirees have the lowest average rates on Forte insurance.
  • Low coverage deductibles cost more – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Kia from damage. Examples of some claims that would be covered are a dented fender, hail damage, and burglary. Physical damage deductibles tell how much you are required to spend out-of-pocket before a claim is paid by your company. The higher the amount you are required to pay out-of-pocket, the lower your rates will be on Forte insurance.
  • More miles equals more premium – Driving a lot of miles in a year the more you’ll pay to insure it. Most companies calculate prices based upon how much you drive. Vehicles that sit idle most of the time cost less to insure than vehicles that are driven to work every day. Double check that your car insurance declarations sheet shows the correct usage, because it can save money. Improper usage on your Forte may be costing you higher rates.
  • Multiple policies with one company – Many insurers provide discounts to people who have multiple policies with them such as combining an auto and homeowners policy. Even though this discount sounds good, it’s still a good idea to shop around to help ensure you have the lowest rates. It’s possible to still save even more by buying from different companies
  • Less chance of injury means lower rates – Cars with high safety ratings tend to be cheaper to insure. The safest vehicles reduce occupant injuries and any reduction in injury severity means lower claim amounts and thus lower rates. If your Kia Forte scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every insured’s situation is different.

For example, these questions can help discover whether your personal situation may require specific advice.

  • Does coverage extend to a rental car in a foreign country?
  • Are rock chip repairs covered?
  • Should I waive the damage coverage when renting a car?
  • How much can I save by bundling my policies?
  • Do I pay less if my vehicle is kept in my garage?
  • Why does it cost so much to insure a teen driver?

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 agent. If you don’t have a local agent, simply complete this short form.

Insurance coverage specifics

Having a good grasp of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive protection

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like falling objects, damage from a tornado or hurricane, hitting a bird and theft. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses for pain medications, nursing services, surgery, ambulance fees and X-ray expenses. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability coverages

This provides protection from damage that occurs to other people or property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like medical services, pain and suffering and court costs. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Uninsured or underinsured coverage

This provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Kia Forte.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally these limits are identical to your policy’s liability coverage.

Coverage for collisions

Collision coverage will pay to fix damage to your Forte caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a building, hitting a mailbox, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to bring the cost down.

A tidy conclusion

Drivers change insurance companies for a number of reasons such as an unsatisfactory settlement offer, delays in responding to claim requests, delays in paying claims and even denial of a claim. Regardless of your reason, finding a new company can be less work than you think.

You just learned a lot of ways to compare 2016 Kia Forte insurance auto insurance rates online. The key concept to understand is the more companies you get premium rates for, the better your comparison will be. You may even find the lowest auto insurance rates are with a smaller regional carrier.

As you prepare to switch companies, don’t be tempted to buy less coverage just to save a little money. In many instances, consumers will sacrifice liability limits or collision coverage and learned later that the savings was not a smart move. Your strategy should be to buy a smart amount of coverage at the lowest possible cost while still protecting your assets.

Additional car insurance information can be read at the links below