Compare 2020 Kia Forte Insurance Quotes in 2024

Having to pay for expensive insurance coverage can dwindle your funds and force you to prioritize other expenses. Comparing rates annually is recommended to make ends meet.

Big companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with TV and radio ads and it is challenging if not impossible to not get sucked in by the cute commercials and do the work needed to find the best deal.

It’s a good habit to shop coverage around occasionally because insurance coverage prices are adjusted regularly by insurance companies. Even if you got the lowest rate for Forte coverage last year a different company probably has better premium rates today. Ignore everything you know about insurance coverage because you’re about to find out the right way to find great coverage at a great price.

First Step: Get free insurance coverage quotes

Performing a rate comparison can be exhausting if you don’t utilize the most efficient way. You can spend countless hours driving to insurance companies in your area, or you can stay home and use the internet to achieve your goal.

All the larger companies enroll in a system where insurance shoppers complete one form, and each participating company returns a competitive quote based on the submitted data. This system prevents you from having to do repetitive form submissions to each company.

To find out what other companies charge enter your zip code here.

The only drawback to comparing rates this way is that consumers can’t choose which companies to get quotes from. So if you want to choose from a list of companies for rate comparison, we put together a list of insurance coverage companies in your area. Click to enter zip code.

The approach you take is up to you, just compare the same deductibles and coverage limits for each price quote. If you use different coverage information it will be very difficult to determine the best price for your Kia Forte.

Use discounts on auto insurance

Insuring your vehicles can cost a lot, but there are discounts available to reduce the price significantly. Most are applied at the time of quoting, but a few must be asked for prior to getting the savings. If you don’t get every credit available, you could be saving more on your auto insurance.

• Online Discount – A handful of insurance companies will provide an incentive for signing up on the internet.
• Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of up to 25% or more.
• Discounts for Federal Employees – Federal government employees could provide a small rate reduction for Forte coverage depending on your company.
• Resident Student – College-age children who are enrolled in a college that is more than 100 miles from home and do not take a car to college could get you a discount.
• Multi-line Discount – Larger auto insurance companies have a discount if you purchase auto and life insurance together.

It’s important to note that some credits don’t apply to the entire policy premium. Most cut individual premiums such as physical damage coverage or medical payments. Despite the appearance that all those discounts means the company will pay you, nobody gets a free ride. Any qualifying discounts will cut the amount you pay for coverage.

Companies and a partial list of their discounts can be found below.

• State Farm includes discounts for good driver, multiple autos, driver’s education, Steer Clear safe driver discount, student away at school, safe vehicle, and anti-theft.
• GEICO offers discounts including federal employee, anti-lock brakes, five-year accident-free, air bags, and seat belt use.
• Progressive may offer discounts for online quote discount, online signing, continuous coverage, good student, and multi-policy.
• 21st Century may include discounts for 55 and older, theft prevention, teen driver, automatic seat belts, early bird, student driver, and homeowners.
• American Family has discounts for mySafetyValet, Steer into Savings, good student, early bird, bundled insurance, TimeAway discount, and accident-free.
• The Hartford policyholders can earn discounts including bundle, good student, driver training, defensive driver, air bag, vehicle fuel type, and anti-theft.
• AAA may have discounts that include anti-theft, multi-policy, good student, multi-car, and pay-in-full.

When comparing rates, check with every insurance company how many discounts you can get. Some discounts listed above might not be offered on policies everywhere. If you would like to see a list of insurance companies that offer discounts, enter your zip code here.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if you might need professional guidance.

• Am I covered when driving in Canada or Mexico?
• Does liability extend to a camper or trailer?
• Who is covered by my policy?
• Is my cargo covered for damage or theft?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• What is medical payments coverage?
• Do I benefit by insuring my home with the same company?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out your zip code. It only takes a few minutes and can provide invaluable advice.

Informed drivers save every year

The best way to find cheaper car insurance is to take a look at some of the elements that play a part in calculating your car insurance rates. When you understand what determines premiums, this allows you to make educated decisions that may reward you with cheaper rates.

Listed below are some of the major factors used by your company to calculate your prices.

• What are your deductibles? – Insurance for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your Kia. Examples of some claims that would be covered are a broken windshield, hail damage, and damage from a fallen tree branch. Comprehensive and collision coverage deductibles are the amount of money the insured will be required to pay if a covered claim is submitted. The more you choose to pay out-of-pocket, the bigger discount you will receive for Forte coverage.
• Companies want multiple policies – Most larger insurance companies will award better rates to people who consolidate policies with them, otherwise known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. If you currently are using one company, it’s always a smart idea to shop around to make sure you are getting the best deal.
• Liability insurance limits on your policy – A critical coverage on your policy, liability insurance will provide protection in the event that you are determined to be liable for causing personal injury or damage in an accident. It will provide legal defense to defend your case. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
• Age of drivers – Beginning drivers are proven to be more careless when driving with friends therefore car insurance rates are much higher. If you’ve ever had to add a youthful driver to your policy can really hurt. More experienced drivers are shown to be more cautious, tend to file fewer claims and are safer drivers.
• Your location is a factor – Choosing to live in a small town has definite advantages when shopping for auto insurance. Less people translates into fewer accident claims in addition to fewer liability claims. Drivers in populated areas regularly have much more traffic and longer commutes to work. More time behind the wheel statistically corresponds to a higher accident and claim rate.

Car insurance 101

Having a good grasp of insurance helps when choosing which coverages you need for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by insurance companies.

Comprehensive auto coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as falling objects, vandalism and damage from flooding. The maximum amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for doctor visits, hospital visits, EMT expenses and dental work. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Kia Forte.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage

This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sustaining damage from a pot hole, scraping a guard rail, backing into a parked car and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Liability auto insurance

This protects you from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things like legal defense fees, structural damage, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Keep this in mind

We’ve covered many ideas to shop for 2020 Kia Forte insurance online. The key concept to understand is the more times you quote, the better likelihood of getting inexpensive insurance. Drivers may discover the best prices are with a small local company. They may cover specific market segments cheaper than the large multi-state companies such as GEICO and State Farm.

While you’re price shopping online, it’s a bad idea to buy less coverage just to save a little money. In too many instances, an insured dropped physical damage coverage and found out when filing a claim that it was a big error on their part. Your focus should be to buy enough coverage at the best possible price while still protecting your assets.

Some insurance providers do not offer rates over the internet and these smaller companies only sell through independent agencies. Budget-friendly car insurance is available both online as well as from independent agents, and you need to price shop both to have the best chance of lowering rates.