How Much Does 2015 Kia Forte Insurance Cost in 2024?

If shopping for auto insurance quotes online is new to you, you can be bewildered by the confusing number of local and online companies who all claim to have the lowest rates.

Consumers need to get comparison quotes on a regular basis due to the fact that insurance prices are usually higher with each renewal. Even if you think you had the lowest rates on Forte coverage six months ago other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because it’s time to teach you the fastest and easiest way to save on car insurance.

Smart consumers can save money

Many different elements are used in the calculation when pricing auto insurance. Some of the criteria are obvious such as your driving history, but others are less obvious such as your marital status or how safe your car is.

Listed below are some of the items used by insurance companies to determine rates.

• Older drivers are lower risk – Young drivers are proven to be careless and easily distracted when behind the wheel therefore insurance rates are much higher. More experienced drivers are shown to be more cautious, file fewer claims and get fewer tickets.
• Single drivers take more risk – Walking down the aisle may cut your premiums when buying insurance. It translates into being more responsible and statistics show married couples file fewer claims.
• Male rates may be higher – Statistics have proven women are more cautious behind the wheel. However, this does not mean females are better at driving than males. Women and men are in fender benders in similar numbers, but men cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 have the highest risk to insure and therefore are the most expensive to insure.
• How many coverages with the same company – Lots of insurers will award a discount to insureds who have multiple policies with them, otherwise known as a multi-policy discount. The discount can add up to ten or even up to twenty percent in some cases. Even with this discount, it’s in your best interest to shop around to guarantee you are still saving the most.
• Prevent theft and save – Purchasing a vehicle that has an advanced theft prevention system can earn a premium discount. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
• Save money by eliminating extra policy coverages – There are many add-on coverages that you can buy if you don’t pay attention. Coverages like personal injury protection, death and dismemberment, and motor club memberships could be just wasting money. They may seem good when discussing your needs, but if you’ve never needed them in the past think about removing them and cutting costs.
• Cars with good safety ratings cost less to insure – Vehicles with high crash test scores cost less to insure. Vehicles engineered for safety result in less severe injuries and lower rates of occupant injuries means lower claim amounts and cheaper rates on your policy. If your Kia Forte scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
• A policy lapse can increase rates – Driving any period of time without insurance is not a good idea and you may have a hard time finding new coverage because you let your insurance expire. And not only will insurance be more expensive, not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license. You will then be forced to submit proof of financial responsibility or a SR-22 with your state DMV.

Compare auto insurance quotes

There are several ways you can shop for auto insurance but one way is easier and takes less work. You can spend your afternoon talking about coverages with local insurance agents in your area, or you can stay home and use online quoting to get pricing more quickly.

All the larger companies enroll in a system where prospective buyers enter their policy data once, and at least one company can give them a price based on that information. This saves time by eliminating repetitive form submissions for each company. To find out what other companies charge enter your zip code here.

The one downside to using this type of form is you can’t choose which companies you will receive quotes from. If you wish to select individual companies to compare prices, we put together a list of the cheapest auto insurance companies in your area. Click to enter zip code for insurance companies.

You can use whichever method you prefer to find lower rates, just make absolute certain that you use apples-to-apples information for each comparison quote. If you are comparing mixed coverages it’s not possible to decipher which rate is best. Quoting even small variations in insurance coverages or limits could mean much higher rates. And when comparison shopping, having more price comparisons provides better odds of finding a lower rate than you’re paying now. Some insurance companies are not set up to provide online price quotes, so you should also compare price estimates from those companies as well.

Get cheaper insurance coverage with discounts

Companies that sell car insurance don’t list all discounts very well, so the list below details both the well known and the more hidden discounts that may be available.

• Accident Forgiveness – Not really a discount, but a handful of insurance companies will let one accident slide without the usual rate increase if you have no claims for a certain period of time.
• Low Mileage Discounts – Low mileage vehicles may allow you to get slightly better rates than normal.
• Discounts for Safe Drivers – Insureds who avoid accidents could pay up to 40% less on Forte coverage than their less cautious counterparts.
• Renewal Discounts – A few companies give discounts for switching policies before your current expiration date. The savings is around 10%.
• Distant Student – Kids who are enrolled in a college that is more than 100 miles from home and don’t have a car could get you a discount.

It’s important to understand that most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, nobody gets a free ride.

A few popular companies and the discounts they provide can be read below.

• Progressive offers discounts including good student, homeowner, online quote discount, continuous coverage, online signing, multi-vehicle, and multi-policy.
• GEICO may have discounts that include multi-policy, anti-theft, multi-vehicle, seat belt use, federal employee, air bags, and driver training.
• State Farm includes discounts for defensive driving training, Drive Safe & Save, anti-theft, multiple autos, and student away at school.
• Esurance may include discounts for anti-theft, emergency road assistance, Switch & Save, online quote, and online shopper.
• The Hartford may offer discounts for good student, bundle, driver training, defensive driver, vehicle fuel type, anti-theft, and air bag.

If you need cheaper auto insurance quotes, ask all the companies which discounts you qualify for. Discounts might not be available to policyholders in your area.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage, there really is no cookie cutter policy. Every insured’s situation is different.

For instance, these questions might point out if you would benefit from professional advice.

• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Are my tools covered if they get stolen from my vehicle?
• Why do I only qualify for high-risk insurance?
• If my pet gets injured in an accident are they covered?
• Does liability extend to a camper or trailer?
• Will I lose any money if I cancel my policy before it expires?
• Do I have coverage for damage caused while driving under the influence?
• Does my car insurance cover rental cars?
• Am I covered when renting a car or should I buy coverage from the car rental agency?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Car insurance coverage basics

Learning about specific coverages of car insurance can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, rock chips in glass, hitting a bird and fire damage. The maximum amount you can receive from a comprehensive 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.

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a mailbox, hitting a parking meter, driving through your garage door and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Auto liability – Liability coverage provides protection from damage that occurs to people or other property in an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as medical expenses, loss of income and funeral expenses. How much coverage you buy is your choice, but you should buy higher limits if possible.

Insurance for medical payments – Med pay and PIP coverage reimburse you for short-term medical expenses for things like ambulance fees, dental work and X-ray expenses. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Have the Midas touch

People who switch companies do it for a variety of reasons including poor customer service, high prices, delays in responding to claim requests or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding the right car insurance provider is easier than you think.

Throughout this article, we presented a lot of tips how to save on 2015 Kia Forte insurance. The key concept to understand is the more times you quote, the better chance you’ll have of finding the cheapest auto insurance. You may even discover the lowest rates are with a small local company.

While you’re price shopping online, it’s not a good idea to skimp on coverage in order to save money. Too many times, drivers have reduced liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage at a price you can afford, but do not sacrifice coverage to save money.