2014 Kia Forte Insurance Quotes

Are you at wits end from robbing Peter to pay Paul to make your auto insurance payment? Your situation is no different than many other consumers. Many car insurance companies vie for your hard-earned dollar, and it can be difficult to compare rates to find the absolute best price available.

If you have insurance now or are looking for a new policy, you can follow these tips to get lower rates while maximizing coverage. Finding the best rates is easy if you know what you’re doing. Drivers just need to learn the tricks to get comparison quotes on the web.

Get lower rates by getting discounts

Companies offering auto insurance don’t necessarily list every policy discount in an easy-to-find place, so we researched both the well known in addition to some of the lesser obvious discounts you could be receiving when you buy auto insurance online. If you check and find you aren’t receiving every discount available, you are paying more than you should be.

  • Paper-free Discount – Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Driver’s Education for Students – It’s a good idea to have your young drivers participate in a local driver’s education class in school or through a local driver safety program.
  • Mature Driver Discount – Seniors are able to get better car insurance rates on Forte insurance.
  • College Student – Kids who live away from home to go to college and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Defensive Driver – Taking part in a defensive driving course can save you 5% or more depending on where you live.
  • New Car Discount – Buying a new car instead of a used car can cost up to 25% less because new vehicles have to meet stringent safety requirements.

As a footnote on discounts, some of the credits will not apply to the entire cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So even though you would think you could get a free car insurance policy, company stockholders wouldn’t be very happy.

A few of the larger companies and some of their more popular discounts are detailed below.

  • Mercury Insurance offers discounts including age of vehicle, location of vehicle, ease of repair, low natural disaster claims, multi-policy, anti-theft, and type of vehicle.
  • Farmers Insurance has discounts for multi-car, switch companies, youthful driver, early shopping, and bundle discounts.
  • Farm Bureau may include discounts for safe driver, 55 and retired, youthful driver, multi-policy, and renewal discount.
  • State Farm has savings for Steer Clear safe driver discount, accident-free, defensive driving training, student away at school, multiple autos, and anti-theft.
  • Allstate offers premium reductions for resident student, FullPay discount, EZ pay plan discount, economy car, and defensive driver.
  • Geico discounts include federal employee, anti-theft, daytime running lights, anti-lock brakes, good student, seat belt use, and membership and employees.

Check with each insurance company how you can save money. Depending on the company, some discounts may not apply to policies in every state. To view companies that offer the discounts shown above, follow this link.

How to lower your insurance costs

Part of the car insurance buying process is learning some of the elements that aid in calculating the level of your policy premiums. If you have some idea of what influences your rates, this enables informed choices that could result in lower premium levels.

  • Gender and car insurance prices – Statistics show that females tend to be a little less risky than males. The data does not necessarily mean that females are better drivers. Men and women are responsible for auto accidents in similar percentages, but men have accidents that have higher claims. Not only are claims higher, but men get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.
  • Amount of liability protection – Liability insurance provides coverage if ever you are determined to be liable for causing damage or personal injury in an accident. It provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so insureds should have plenty of protection for their assets.
  • Raise your coverage deductibles for better premiums – Physical damage deductibles represent how much money you are required to pay if the claim is covered. Protection for physical damage, also called ‘full coverage’, covers damage that occurs to your car. Some examples of covered claims would be colliding with a stationary object, damage from fire, and having a roll-over accident. The more damage repair cost the insured has to pay upfront, the bigger discount you will receive on Forte insurance.
  • Five star IIHS safety rating saves money – Cars with high safety ratings tend to be cheaper to insure. Vehicles engineered for safety reduce occupant injuries and fewer injuries means lower claim amounts which can mean better rates for you. If your Kia is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Incidental coverages are wasting money – There are a ton of extra bells and whistles that you can buy if you aren’t careful. Add-on coverages like personal injury protection, high-cost glass coverage, and extra life insurance coverage could be just wasting money. They may seem good when buying your policy, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
  • Cheaper car insurance rates using alarms and GPS tracking – Owning a car with an alarm system can save you some money. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
  • Claim-free discounts can add up – Companies award most affordable rates to drivers that do not abuse their auto insurance. If you file a lot of claims you can expect higher premiums or even policy non-renewal. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Always keep your policy in place – Letting your insurance expire will be a quick way to bump up your car insurance costs. And not only will your rates increase, failure to provide proof of insurance could result in fines and jail time.

Your car insurance coverage should be tailored to you

When it comes to choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • What are the financial responsibility laws in my state?
  • Do I need higher collision deductibles?
  • Am I covered when driving a rental car?
  • Do I need more liability coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does coverage extend to Mexico or Canada?
  • I don’t drive much so do I pay less?
  • Is my ex-spouse still covered by my policy?

If it’s difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Beware of misleading insurance coverage ads

Drivers can’t get away from ads that promise big savings by State Farm, Allstate and Geico. All the ads say the same thing of big savings if you get a free auto insurance quote and switch to them.

How do they all offer drivers better rates? It’s all in the wording.

Most companies give the cheapest rates for the type of driver that is profitable for them. A good example of a desirable risk might be described as over the age of 35, has no tickets, and the vehicle is rated for pleasure use. Someone that meets those criteria will get the preferred car insurance rates and will probably pay quite a bit less when switching companies.

Consumers who may not quite match this ideal profile may be forced to pay higher rates and the driver buying from a lower-cost company. The trick companies use is to say “drivers who switch” not “everyone that quotes” save that much. This is how insurance companies can make claims like that. Because of this risk profiling, you absolutely need to compare as many free auto insurance quotes as you can. It is just not possible to predict which company will be your best fit.

What car insurance coverages do you need?

Understanding the coverages of a car insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on most car insurance policies.

Liability auto insurance

This coverage protects you from damage that occurs to other people or property by causing an accident. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as legal defense fees, attorney fees, medical expenses and pain and suffering. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Collision insurance

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like damaging your car on a curb, crashing into a building, hitting a parking meter, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for bills for hospital visits, surgery, funeral costs and nursing services. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Kia Forte.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like rock chips in glass, falling objects, damage from flooding and vandalism. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Make a quick buck

As you go through the steps to switch your coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible at the best possible price while not skimping on critical coverages.

Some insurance companies do not offer internet price quotes and many times these small, regional companies provide coverage only through local independent agents. Lower-priced 2014 Kia Forte insurance is available from both online companies and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money.

More information can be found at these links:

Comments About 2014 Kia Forte Insurance

  1. Quinton Fisher

    I chose to switch to 21st Century from Amica. I live in Kansas City, MO.

  2. Jewel Mccoy

    Hope my car insurance gets cheaper. I’m from Norman, OK. I got free quotes with Amica, Safeco, and a few others for my Kia and I’m now saving $57 a month. Was with Esurance. I increased coverages a little too.

  3. Casandra Cooper

    Any companies in Tampa, FL that will insure a DUI?

  4. Lucila Rosales

    Will 21st Century insure with a DUI in Boise, ID?

  5. Deirdre Nicholson

    What does medical payments cover?

  6. Azucena Gutierrez

    From south side of Biloxi, MS. Quoted quotes with Travelers, Amica, The General, and Safeco for my 2014 Kia Forte and I think I saved about $60 each month.

  7. Doris Sweeney

    If you have a good history and live near Buffalo, NY, check out State Farm. You might get cheaper rates. I’m a pretty good driver though. Can still barely afford it.

  8. Suanne Brock

    Got a quote with State Farm for my Kia and saved about $380 a year. Even increased coverage a bit. Hardly afford to drive anymore.

  9. Adella Burns

    From a town just southwest of Memphis, TN and for me 21st Century had the lowest quote.

  10. Lala Moreno

    Here’s my quote info. Got a quote with Eastwood for my Kia and saved about $270 a year. Left Farmers to switch.