2016 Kia Forte Insurance Rates – 5 Ways to Save

Buyers have lots of choices when searching for the best price on Kia Forte insurance. You can either spend your time contacting agents to get rate comparisons or save time using the internet to find the lowest rates.

There are more efficient ways to compare car insurance rates so we’re going to tell you the quickest way to price shop coverage for your Kia and locate the lowest possible price from both online companies and local agents.

It’s a great practice to compare prices quite often because insurance prices go up and down regularly. Even if you got the best deal for Forte insurance at your last renewal there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because you’re about to find out the only way to get good coverage at a lower rate.

If you have a current auto insurance policy or need a new policy, you can learn to cut your premiums and possibly find even better coverage. This article will help educate you on the most effective way to quote insurance and some money-saving tips. Vehicle owners just need to know the most efficient way to compare price quotes over the internet.

The most recommended method to compare car insurance company rates utilizes the fact auto insurance companies allow for online access to provide you with a free rate quote. The only thing you need to do is provide a small amount of information including level of coverage desired, whether you are single or married, daily mileage, and driver ages. That rating information is automatically sent to many highly-rated insurers and you should receive rate quotes quickly.

To compare rates for your 2016 Kia Forte now, click here and enter the information requested.

Don’t miss these five discounts

Some insurance providers don’t list all available discounts very well, so we researched some of the best known as well as some of the hidden credits available to you. If you don’t get every credit possible, you may be paying too high a price.

  • Bundled Policy Discount – When you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
  • Good Grades Discount – Excelling in school can be rewarded with saving of up to 25%. Most companies allow this discount until age 25.
  • Accident-Free Discounts – Insureds with no claims or accidents have much lower rates in comparison with insureds who have frequent claims or accidents.
  • College Student – Youth drivers living away from home attending college without a vehicle on campus may be insured at a cheaper rate.
  • Mature Driver Discount – If you qualify as a senior citizen, you may qualify for a small discount on rates for Forte insurance.

Discounts save money, but please remember that some credits don’t apply to the entire cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, that’s just not realistic. Any qualifying discounts will help lower your policy cost.

Companies and a partial list of their discounts can be found below.

  • State Farm offers discounts including Steer Clear safe driver discount, passive restraint, student away at school, driver’s education, defensive driving training, and good driver.
  • Esurance has discounts for good driver, Pac-12 alumni, safety device, DriveSense, homeowner, emergency road assistance, and anti-theft.
  • Progressive policyholders can earn discounts including good student, online signing, multi-vehicle, multi-policy, continuous coverage, and online quote discount.
  • Liberty Mutual includes discounts for new move discount, hybrid vehicle, newly married, exclusive group savings, good student, teen driver discount, and newly retired.
  • Auto-Owners Insurance discounts include mature driver, paid in full, paperless, student away at school, teen driver, safe driver, and safe vehicle.
  • GEICO may include discounts for anti-theft, military active duty, emergency military deployment, multi-policy, anti-lock brakes, and seat belt use.

When comparing rates, check with every prospective company which discounts you may be entitled to. All car insurance discounts might not be available to policyholders in your area. For a list of insurance companies with discount rates, follow this link.

Special considerations

When choosing the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions could help you determine if your situation may require specific advice.

  • Is rental equipment covered for theft or damage?
  • If I drive on a suspended license am I covered?
  • Am I covered when driving someone else’s vehicle?
  • Are my friends covered when driving my car?
  • Why do I only qualify for high-risk insurance?
  • Why am I required to buy liability insurance?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Coverage specifics

Knowing the specifics of your car insurance policy can help you determine appropriate coverage for your vehicles. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Liability insurance – Liability coverage will cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that means you have 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. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things such as court costs, structural damage and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for bills for pain medications, surgery, funeral costs and ambulance fees. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like hitting a mailbox, colliding with a tree and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, a broken windshield, vandalism and damage from flooding. The most your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Kia Forte.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Make an honest buck

While you’re price shopping online, never reduce needed coverages to save money. In many cases, someone dropped liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy the best coverage you can find at the lowest possible cost while not skimping on critical coverages.

Lower-priced auto insurance is available online in addition to many insurance agents, so get free insurance coverage quotes from both of them in order to have the best price selection to choose from. Some insurance companies do not offer internet price quotes and most of the time these regional carriers only sell coverage through independent agencies.

We just presented a lot of ways to lower your 2016 Kia Forte insurance premium rates. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even discover the lowest priced auto insurance comes from the least-expected company.

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