Compare 2013 Kia Forte Insurance Rates

Searching for the cheapest insurance rates for your Kia Forte? Tired of scraping nickels together to pay insurance each month? You are no different than many other drivers.

Online insurance companies like Allstate and Progressive promote their brand names with TV and radio ads and consumers find it hard to not get sucked in by the cute commercials and take the time to shop coverage around.

If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using this information. Finding affordable coverage is quite easy. Although vehicle owners do need to understand how big insurance companies sell insurance online and take advantage of how the system works.

Buy insurance online

There are multiple methods you can shop for insurance but there is one way that is less labor-intensive and much quicker. You can spend countless hours driving to insurance companies in your area, or you could save time and use online quotes to get rate comparisons in just a few minutes.

Most car insurance companies are enrolled in a marketplace that enables customers to only type in their quote data once, and each participating company returns a competitive quote. This eliminates the need for repetitive form submissions to each company.

To compare rates using this form now click here to open in new window.

The only drawback to pricing coverage this way is you can’t choose the companies you want to price. So if you prefer to pick individual companies to receive pricing from, we have assembled a list of insurance companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but try to use identical coverages and limits for every quote you compare. If you have different data it will be impossible to determine the lowest rate for your Kia Forte. Even a minor difference in coverages could skew the results. And when comparing insurance rates, know that quoting more helps you find better pricing.

Tailor your insurance coverage to you

When choosing coverage for your vehicles, there is no single plan that fits everyone. Every situation is different so your insurance needs to address that. These are some specific questions may help you determine if you may require specific advice.

Am I covered if my car is in a flood?
Should I have a commercial auto policy?
What is high-risk coverage and where do I buy it?
Do I need to file an SR-22 for a DUI in my state?
What if I owe more than I can insure my car for?
How high should my uninsured/underinsured coverage be in my state?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Information about specific coverages

Knowing the specifics of insurance can help you determine the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types offered by insurance companies.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Kia Forte.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto liability

Liability insurance provides protection from damages or injuries you inflict on other people or property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers claims like bail bonds, funeral expenses and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for surgery, EMT expenses, rehabilitation expenses and ambulance fees. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Auto collision coverage

Collision insurance will pay to fix damage to your Forte resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as sideswiping another vehicle, crashing into a ditch, driving through your garage door, scraping a guard rail and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, damage from a tornado or hurricane and hitting a bird. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.