View 2014 Kia Forte Insurance Quotes

Trying to find lower auto insurance rates for your Kia Forte? Are you a victim of overpriced auto insurance? Trust us when we tell you there are many people just like you. Insurance companies such as Geico and Progressive constantly bombard you with advertising and it is challenging if not impossible to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

You should make it a habit to take a look at other company’s rates on a regular basis since insurance rates trend upward over time. Even if you think you had the best price for Forte coverage on your last policy you can probably find a better price now. There is too much inaccurate information about auto insurance online but I’m going to show you a bunch of ideas how to save money.

If you have a current car insurance policy or need a new policy, you can follow these tips to cut your premiums and still get good coverage. Finding affordable coverage is not rocket science. Vehicle owners just need to know the most efficient way to compare rates online.

The quickest method to compare policy rates takes advantage of the fact most insurance companies participate in a system to provide you with a free rate quote. To begin a comparison, all you need to do is provide details like if the car is leased, driver ages, what your job is, and your general credit rating. That rating data gets sent immediately to multiple car insurance providers and they respond with quotes instantly.

Why your Kia Forte might be costing you more

Consumers need to have an understanding of the factors that go into determining insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that can help you get lower insurance prices.

Listed below are a few of the “ingredients” insurance companies consider when setting your rates.

  • Are you male or female? – Statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Both sexes have accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically receive more costly citations such as reckless driving.
  • Marriage brings a discount – Having a spouse can actually save you money when buying insurance. It usually means you are more mature and it’s proven that drivers who are married are more cautious.
  • How many coverages with the same company – Many insurers will award you with lower prices to customers who buy several policies from them such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. Even though this discount sounds good, it’s still a good idea to shop around to verify if the discount is saving money. You may still find a better deal by buying insurance from more than one company.
  • How your age affects price – Youthful drivers tend to be more careless in a vehicle so they pay higher insurance rates. Mature drivers are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets.
  • Special features that cut premiums – Driving a car with an alarm system can save you a little every year. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your vehicle from being stolen.
  • Tickets mean higher rates – Your driving citation history has a lot to do with how much you pay for insurance. Drivers who don’t get tickets get better rates than their less careful counterparts. Even one ticket can bump up the cost forty percent or more. Drivers who have dangerous citations like DUI or reckless driving may need to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
  • A lapse in coverage is a bad thing – Having an insurance coverage lapse will be a sure-fire way to bump up your insurance costs. Not only will rates go up, getting caught without coverage can result in a hefty fine and possibly a revoked license.

Discounts can save BIG

Companies that sell car insurance don’t list all available discounts very well, so we researched both the well known and also the lesser-known savings tricks you should be using. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
  • Multiple Policy Discount – If you have multiple policies with one insurance company you may earn approximately 10% to 15%.
  • Sign Early and Save – Some insurance companies reward drivers for switching to them prior to your current policy expiration. It can save you around 10%.
  • Safe Drivers – Safe drivers may save up to 50% more for Forte coverage than their less cautious counterparts.
  • Senior Discount – If you’re over the age of 55, you may be able to get a small decrease in premiums for Forte coverage.
  • Low Mileage Discounts – Keeping the miles down on your Kia can qualify you for better rates on cars that stay parked.
  • Payment Method – By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • E-sign – Certain companies may give you up to $50 for buying a policy and signing up digitally online.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings because of the fact that having a home shows financial diligence.
  • Multi-car Discount – Insuring more than one vehicle on one policy could earn a price break for each car.

It’s important to note that most of the big mark downs will not be given to your bottom line cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Insurance companies who might offer these money-saving discounts are:

It’s a good idea to ask each insurance company which discounts they offer. All car insurance discounts might not apply everywhere.

Will just any policy work for me?

When buying coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. For example, these questions may help you determine if your insurance needs would benefit from professional advice.

  • Can I make deliveries for my home business?
  • How much liability do I need to cover my assets?
  • Which is better, split liability limits or combined limits?
  • Is my teenager covered with friends in the car?
  • Will my rates increase for filing one claim?
  • How much can I save by bundling my policies?
  • When would I need rental car insurance?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage information

Knowing the specifics of your auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages offered by auto insurance companies.

Collision coverage

This coverage pays for damage to your Forte caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as backing into a parked car, scraping a guard rail, rolling your car, hitting a mailbox and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Auto liability

This coverage will cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like legal defense fees, court costs, funeral expenses and attorney fees. How much coverage you buy is a personal decision, but buy as much as you can afford.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Kia Forte.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive (Other than Collision)

This will pay to fix 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 pays for claims such as fire damage, theft and vandalism. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense insurance

Med pay and PIP coverage pay for short-term medical expenses such as dental work, EMT expenses, surgery and hospital visits. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Feed the piggy bank

Affordable 2014 Kia Forte insurance can be purchased online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some car insurance companies may not provide online quoting and these smaller companies work with independent agents.

In this article, we covered many ideas to save on insurance. The key concept to understand is the more you quote, the higher your chance of finding lower rates. Consumers could even find that the best prices are with a small mutual company. Smaller companies may only write in your state and offer lower rates than their larger competitors like State Farm, Geico and Nationwide.

For more information, feel free to visit the following helpful articles: