2014 Kia Forte Car Insurance Cost – 8 Ways to Save

Searching for lower car insurance rates for your Kia Forte? Think you have an expensive car insurance policy? Trust us when we tell you there are lots of residents who feel the same.

Because you have many companies to choose from, it can be hard to locate the most affordable insurance company.

It is always a good idea to get comparison quotes yearly because rates change regularly. If you had the lowest premium rates for Forte coverage on your last policy the chances are good that you can find a lower price today. Ignore everything you know about car insurance because we’re going to demonstrate the quickest way to find great coverage at a great price.

How to get cheap auto insurance

There are several ways to obtain and compare prices from lots of auto insurance companies. The easiest way by far to find competitive Kia Forte insurance rates is to jump online and get quotes. This is very easy and can be done in just a few minutes using one of these methods.

1. The easiest and least time consuming way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This easy form prevents you from having to do repetitive form submissions to each individual auto insurance company. One form submission gets insurance cost estimates from many national carriers.
2. A different way to find lower rates requires a visit to each company website and request a quote. For examples sake, we’ll pretend you need rates from Auto-Owners, Liberty Mutual and State Farm. You would have to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular.

   To view a list of companies in your area, click here.

How you compare quotes is your choice, just do your best to enter the same coverage data on every price quote you get. If your comparisons have different coverage information it’s impossible to determine which company has the best rates. Slightly different insurance coverages could mean much higher rates. Just keep in mind that comparing more rates from different companies helps improve the odds of finding the best offered rates. Not every company does quotes online, so you should also compare price quotes on coverage from those companies, too.

Eight discounts for cheaper auto insurance quotes

Some insurers do not list the entire discount list in a way that’s easy to find, so we researched a few of the more well known and also the lesser-known credits available to bring down your rates.

• Service Members Pay Less – Being deployed with a military unit could be rewarded with lower prices.
• Air Bag Discount – Vehicles with factory air bags or motorized seat belts may qualify for discounts of 25 to 30%.
• Own a Home – Being a homeowner can save you money due to the fact that maintaining a home is proof that your finances are in order.
• Driving Data Discount – Policyholders that allow their auto insurance company to scrutinize driving habits by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates as long as they are good drivers.
• Government Employee Discount – Being employed by or retired from a federal job could provide a small rate reduction for Forte coverage with a few auto insurance companies.
• Safety Restraint Discount – Buckling up and requiring all passengers to fasten their seat belts can save up to 15% off the PIP or medical payment premium.
• Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
• One Accident Forgiven – This one is not really a discount per se, but companies like State Farm and Allstate will forgive one accident before they charge you more for coverage so long as you are claim-free for a specific time period.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire cost. Some only reduce specific coverage prices like collision or personal injury protection. If you do the math and it seems like you could get a free auto insurance policy, you aren’t that lucky.

To find companies that offer the discounts shown above, click this link.

You may need specialized insurance coverage coverage

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s needs are different so this has to be addressed. For example, these questions can help discover if you would benefit from professional advice.

• Does liability extend to a camper or trailer?
• Do I need an umbrella policy?
• When does my teenage driver need to be added to my policy?
• Am I covered when driving a rental car?
• Do I need rental car coverage?
• What if I total my 2014 Kia Forte and owe more than it’s worth?

If you don’t know the answers to these questions then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Parts of your auto insurance policy

Having a good grasp of your auto insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages found on most auto insurance policies.

Comprehensive protection – This covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as fire damage, vandalism, falling objects, damage from getting keyed and theft. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as EMT expenses, hospital visits and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability coverage – This coverage provides protection from injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as medical expenses, attorney fees and court costs. How much coverage you buy is your choice, but you should buy higher limits if possible.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Kia Forte.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision coverage – This pays for damage to your Forte from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like sustaining damage from a pot hole, hitting a mailbox, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.