View 2012 Kia Forte Car Insurance Quotes

Want lower car insurance rates for your Kia Forte? Feel like you’re a prisoner to an expensive car insurance policy? Believe me, there are lots of people in the same boat. Because there are so many choices, it can be diffult for drivers to locate the lowest price insurer.

You need to take a look at other company’s rates before your next renewal because insurance prices are constantly changing. Even if you got the best deal for Forte coverage six months ago a different company probably has better rates today. There is a lot of bad advice regarding car insurance on the internet, but in just a couple of minutes you can learn some excellent ideas to put money back in your pocket.

Shop car insurance online

There are a lot of ways to compare car insurance prices but one way is easier and takes less work. You could spend your day talking about coverages with insurance agencies in your area, or you could use online quoting to get rate comparisons in just a few minutes.

Most of the larger companies are enrolled in a marketplace where insurance shoppers submit their information once, and each company can provide price quotes for coverage. This system prevents you from having to do form submissions for each company you want a rate for. To participate in this free quote system, click here to start a free quote.

The only drawback to getting quotes like this is you cannot specify which carriers to get quotes from. So if you prefer to choose specific providers for rate comparison, we put together a list of low cost car insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make sure you compare equivalent quote information on every quote you get. If you are comparing differing limits you can’t possibly get a fair rate comparison.

Do I need special coverages?

When buying adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions can aid in determining if your situation would benefit from professional advice.

  • When should I not file a claim?
  • When would I need additional glass coverage?
  • When should I buy a commercial auto policy?
  • Are rock chip repairs covered?
  • What is an SR-22 filing?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered if I drive in a foreign country?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Specific coverages for a Kia Forte

Having a good grasp of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most insurance policies.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like pain medications, doctor visits, dental work and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your 2012 Kia Forte.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as theft, hail damage and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverages – This provides protection from damage that occurs to other people or property in an accident. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things such as pain and suffering, attorney fees, repair bills for other people’s vehicles and bail bonds. How much coverage you buy is your choice, but consider buying higher limits if possible.

Collision – This coverage will pay to fix damage to your Forte resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with a tree, rolling your car, crashing into a building, scraping a guard rail and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Comments About 2012 Kia Forte Insurance

  1. Lavern Sargent

    I chose to switch to 21st Century from AAA. I live in Juneau, Alaska. I increased coverages a little too.

  2. Clemente Nixon

    Any GEICO or Farmers customers near Davenport, Iowa?

  3. Tommy Howard

    Got pretty cheap 2012 Kia Forte insurance from Progressive in Fort Wayne, IN.

  4. Lawerence Pate

    It’s all a rip off. I live just outside Cranston, RI. I got free prices from AAA, Nationwide, and a few others for my Kia and saved just over $470 a year. Left Sentry to switch.

  5. My Daugherty

    Located in Fort Smith, AR. I quoted with Progressive, The General, and Eastwood for my Kia and saved around $340 a year. Thankfully I have a good driving record.

  6. Kathryne Bender

    I can’t pay high rates. From northwest of Detroit, Michigan. I got free quotes with USAA, American Family, Hanover, and Sentry for my Forte and saved around $130 a year. Left Hartford to switch.

  7. Matilda Witt

    If you’re around Anchorage, AK try Allstate and GEICO and see which is cheaper.

  8. Joy Morse

    I’m in Cleveland, OH. Quoted rates from GEICO, GMAC, and Esurance for my Forte and I think I saved about $40 each month. Not sure if rates are cheaper online or through an agent.

  9. Juan Carson

    All companies are crooks. Lifelong resident of New Haven, CT. Quoted with AAA, Nationwide, and a few others for my 2012 Kia Forte and saved just over $570 a year. Left USAA to switch. LOL

  10. Eloisa Livingston

    Good detail in your article. I live just to the west of Grand Forks, ND. I got free rates from Amica, Sentry, and a few others for my Forte and saved $431 a year.

  11. Ranae Strickland

    I’m looking for cheaper coverage. Proud to be from Dallas, Texas. I quoted with AIG Insurance, Esurance, and Mercury for my Kia and saved just over $280 a year. I get multi-vehicle and multi-policy discounts.

  12. Debbie Tucker

    Thought I’d throw in my experience. I live in a small town just outside of Fargo, ND. Got rates from USAA, AAA, GMAC, and Sentry for my 2012 Kia Forte and saved just over $340 a year. I recommend comparing lots of rates.

  13. Nathanael Bailey

    Where is cheaper car insurance? I live north of Huntington, WV. Got rates from GEICO, Esurance, and The General for my Kia and I’m now saving $56 a month. :P

  14. Scot Wood

    I live just outside Oklahoma City, OK. Got free quotes online for a 2012 Kia Forte. Ended up at about $210 savings annually. Went with State Farm. A clean driving record helps.