Save on 2017 Kia Forte Car Insurance Quotes

Want the cheapest car insurance rates for your Kia Forte? Sick and tired of sacrificing other expenses each month for car insurance? You are no different than many other people. Insurance companies such as State Farm, Progressive and GEICO continually hit you with ad campaigns and it is challenging if not impossible to ignore the propoganda and do the work needed to find the best deal.

The method we recommend to get policy rate comparisons is to understand most insurance companies actually pay money for the chance to give you rate quotes. The only thing you need to do is give them rating details like the year, make and model of vehicles, if a SR-22 is required, types of safety features, and how much school you completed. Your details gets sent immediately to all major companies and you will get price comparisons quickly.

Discounts to earn cheaper auto insurance rates

Insurance can cost an arm and a leg, but discounts can save money and there are some available that can help lower your rates. Certain credits will be shown at the time of quoting, but a few need to be inquired about before they will apply.

  • Discounts for New Vehicles – Putting coverage on a new car can be considerably cheaper due to better safety requirements for newer models.
  • Good Student Discount – Performing well in school can get you a discount of up to 25%. You can use this discount normally up to age 25.
  • Policy Bundle Discount – If you can combine your auto and home policy and place coverage with the same company you could get a discount of 10% to 20% off each policy.
  • Federal Employees – Having worked for a branch of the government could provide a small rate reduction on Forte coverage with select insurance companies.
  • Early Switch Discount – Some companies reward drivers for switching companies before your current coverage expires. The savings is around 10%.
  • Payment Discounts – By paying your policy upfront rather than paying in monthly installments you may reduce your total bill.
  • Discounts for Safe Drivers – Accident-free drivers could pay up to 40% less on Forte coverage compared to accident prone drivers.
  • Multi-line Discount – Select auto insurance companies reward you with a break if you buy life insurance.
  • Own a Home – Just owning your own home can save you money due to the fact that maintaining a home is proof of financial responsibility.
  • No Claims – Drivers with accident-free driving histories can save substantially as compared to drivers with a long claim history.

Drivers should understand that some of the credits will not apply to all coverage premiums. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that all those discounts means the company will pay you, you aren’t that lucky.

Some of the larger companies that possibly offer these discounts are:

If you need lower rates, check with all the companies the best way to save money. Some of the discounts discussed earlier might not apply in your area. To find insurers offering auto insurance discounts, follow this link.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. For example, these questions may help highlight whether or not you might need professional guidance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my 2017 Kia Forte covered for smoke damage?
  • I don’t drive much so do I pay less?
  • Do I need special endorsements for business use of my vehicle?
  • Do I need rental car coverage?
  • Why is insurance for a teen driver so high?
  • Do I have coverage when using my vehicle for my home business?
  • Why am I required to get a high-risk car insurance policy?
  • Are rental cars covered under my policy?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, free and can provide invaluable advice.

The Kia Forte insurance price equation

Multiple criteria are used in the calculation when you get your auto insurance bill. Some are obvious such as your driving history, although some other factors are less obvious such as your marital status or how financially stable you are.

  • Lower rates with alarm systems – Owning a car with anti-theft technology or alarm system can earn a premium discount. Theft deterrent systems such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder vehicle theft.
  • Save money by raising coverage deductibles – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Kia. Examples of covered claims would be collision with another vehicle, vandalism, and having your car stolen. Deductibles for physical damage represent how much money you are required to spend out-of-pocket before a claim is paid by your company. The more money you pay before a claim is paid (deductible), the lower your rates will be on Forte coverage.
  • Discounts for married drivers – Getting married may earn you lower rates compared to being single. Marriage usually means you are more financially stable and statistics prove being married results in fewer claims.
  • Always keep your coverage in place – Not maintaining insurance is not a good idea and you may have a hard time finding new coverage because you let your insurance expire. Not only will you pay more, failure to provide proof of insurance could result in a revoked license or a big fine. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.

Specific coverage details

Knowing the specifics of your auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on the average auto insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Kia Forte.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Collision protection

This will pay to fix damage to your Forte caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a building, hitting a mailbox, scraping a guard rail and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.


Liability coverage can cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as repair bills for other people’s vehicles, bail bonds, pain and suffering and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage pay for immediate expenses for funeral costs, rehabilitation expenses, nursing services and hospital visits. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive auto coverage

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like hail damage, damage from a tornado or hurricane, falling objects, theft and hitting a bird. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

At the end of the day…

More affordable insurance is possible online and from local agencies, and you should compare price quotes from both to have the best rate selection. Some companies may not provide online price quotes and most of the time these smaller providers work with local independent agencies.

While you’re price shopping online, don’t be tempted to buy less coverage just to save a little money. There are a lot of situations where someone dropped liability coverage limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The goal is to purchase a proper amount of coverage at the best cost but still have enough coverage for asset protection.

To read more, feel free to browse the articles below: