Lower Your 2015 Kia Forte Car Insurance Quotes

Finding cheaper Driverscar insurance might be a challenge for drivers who have little experience online price comparisons. With so many insurance agents and insurance companies available, it can be a real challenge to find more affordable car insurance rates.

If you are paying for car insurance now, you should be able to cut costs considerably using these tips. This article will help you learn how to effectively get price quotes and some tricks to saving. Nevertheless, car owners do need to know how insurance companies price insurance differently.

Get lower rates with these car insurance discounts

Buying car insurance is not cheap, but you may be missing some discounts that you may not even be aware of. Some discounts apply automatically at the time of purchase, but a few must be specifically requested prior to getting the savings.

• Discounts for New Vehicles – Insuring a vehicle that is new can save up to 30% compared to insuring an older model.
• Good Student – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
• Passive Restraint Discount – Cars that have air bags or automatic seat belts may earn rate discounts of up to 25% or more.
• Discounts for Good Drivers – Drivers who don’t get into accidents could pay up to 40% less for Forte insurance than less cautious drivers.
• First Accident Forgiveness – Not really a discount, but a handful of insurance companies will let one accident slide before hitting you with a surcharge if your claims history is clear prior to the accident.
• Theft Prevention System – Cars that have factory anti-theft systems are stolen with less frequency and earn discounts up to 10% off your auto insurance quote.
• Accident-Free Discounts – Drivers with accident-free driving histories pay less in comparison with insureds who have frequent claims or accidents.
• Low Mileage Discounts – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
• Defensive Driver – Taking part in a defensive driving course could cut 5% off your bill depending on where you live.

A little disclaimer on discounts, some credits don’t apply to your bottom line cost. Some only apply to specific coverage prices like comprehensive or collision. Despite the appearance that adding up those discounts means a free policy, it’s just not the way it works.

To find car insurance companies that offer some of these discounts, click here to view.

Car insurance can get complicated

When it comes to buying the right insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions may help highlight whether you would benefit from professional advice.

• Does my car insurance cover rental cars?
• Will filing a claim cost me more?
• How much underlying liability do I need for an umbrella policy?
• I have a DUI can I still get coverage?
• What is high-risk coverage and where do I buy it?
• How much liability coverage do I need in my state?
• Should I get collision insurance on every vehicle?
• Am I covered when driving in Canada or Mexico?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Don’t listen to company ads

Auto insurance companies such as 21st Century, Allstate and State Farm consistently run ads on TV and radio. They all tend to make the same promise that you’ll save big if you change your auto insurance coverage to their company. How does each company have lower policy pricing? This is the way they can do it.

All the different companies have an ideal profile for the right customer that is profitable for them. For instance, a profitable insured might have to be over the age of 45, has never had a policy lapse, and drives a safe vehicle. Any driver that hits that “sweet spot” will probably get the lowest car insurance rates and as a result will probably save a lot of money.

Potential insureds who do not fit those criteria will have to pay higher rates with the end result being the customer not buying. The trick is to say “people that switch” not “all people who quote” save that much money. This is how insurance companies can make those claims. Because of the profiling, you should compare many company’s premium rates. It’s just not possible to know which company will have the best car insurance rates at this point in time.

Specific coverages for a Kia Forte

Having a good grasp of car insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive auto coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hitting a deer, fire damage, damage from getting keyed, rock chips in glass and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage

Collision coverage pays for damage to your Forte caused by collision 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, backing into a parked car, scraping a guard rail, crashing into a ditch and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for dental work, rehabilitation expenses, funeral costs and pain medications. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Liability

This coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for things like repair bills for other people’s vehicles, legal defense fees and medical services. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Feed the piggy bank

We’ve covered a lot of information how to reduce 2015 Kia Forte insurance rates online. The key concept to understand is the more quotes you get, the better your chances of lowering your auto insurance rates. Consumers could even find that the lowest rates come from a small mutual company.

Cheap 2015 Kia Forte insurance can be found from both online companies and from local agencies, so get free auto insurance quotes from both of them in order to have the best chance of saving money. Some insurance companies do not offer the ability to get quotes online and many times these regional carriers provide coverage only through local independent agencies.

Drivers leave their current company for many reasons like lack of trust in their agent, high prices, an unsatisfactory settlement offer or even policy non-renewal. It doesn’t matter what your reason, choosing a new insurance company is actually quite simple.

More detailed car insurance information is located at these sites:

• Reducing Your Risks in a Car Crash Video (iihs.org)
• Who Has Cheap Nashville Car Insurance Rates for a Kia Forte? (NashvilleInsure.com)
• Drunk Driving Statistics (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)
• Rollover Crash FAQ (iihs.org)
• Where can I buy Insurance? (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)