Nobody I know looks forward to buying car insurance, especially when their premiums are through the roof. You have so many insurance companies to pick from, and although it’s nice to have a selection, lots of choices makes it harder to compare rates and cut insurance costs.
Free Quotes for Forte Insurance
Shopping for lower car insurance rates can take hours if you don’t know the fastest way to get free quotes. You can waste a lot of time talking to agents in your area, or you can utilize the web to achieve your goal.
Most of the best insurance companies take part in a program that allows shoppers to enter their policy data once, and each participating company provides a quote based on that data. This eliminates the need for quote requests for each company.
To enter your information into the quoting system, click to open in new window.
The one downside to using this type of form is you can’t choose which carriers to get pricing from. So if you prefer to pick from a list of companies to request quotes from, we have assembled a list of low cost car insurance companies in your area. Click to view list.
Whichever method you choose, make sure you use exactly the same coverage limits for every quote you compare. If you compare different values for each quote it will be impossible to find the best deal for your Kia Forte.
Why your Kia Forte insurance rates may be high
Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for car insurance. Having a good understanding of what determines base rates helps enable you to make changes that will entitle you to much lower annual insurance costs.
- Adjust deductibles and save – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your Kia from damage. A few examples of covered claims are collision with another vehicle, damage from fire, or theft. The deductibles are the amount of money you are willing to pay before your car insurance pays a claim. The more expense you have to pay, the less your company will charge you for insurance for Forte insurance.
- Please use or commuting – The higher the mileage driven in a year the higher your rates will be. Almost all companies apply a rate based on their usage. Vehicles not used for work or commuting can get a lower rate than vehicles that are driven to work every day. Having the wrong rating on your Forte may be wasting your money. Ask your agent if your car insurance declarations sheet properly reflects the correct usage for each vehicle, because it can save money.
- Keep rates low by being claim-free – If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance companies generally give better rates to policyholders who are claim-free. Auto insurance is meant to be used in the event of the large, substantial claims.
- Policy add-ons can waste money – There are quite a few add-on coverages that you can get tricked into buying on your Forte policy. Coverages for personal injury protection, accidental death and motor club memberships are some examples. These may sound like a good investment when you first buy your policy, but if you don’t need them eliminate them to save money.
- Rural vs Urban Areas – Choosing to live in a small town has it’s advantages when talking about car insurance. City drivers regularly have congested traffic and longer commutes to work. Fewer people means reduced accidents and a lower car theft rate.
Discounts are great for lower rates
Insurance can be prohibitively expensive, but there are discounts available to help offset the cost. Most are applied at the time you complete a quote, but some may not be applied and must be specially asked for in order for you to get them. If you don’t get every credit you qualify for, you are paying more than you should be.
- Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
- Organization Discounts – Belonging to certain professional organizations could trigger savings on car insurance for Forte insurance.
- Sign Early and Save – Some companies give discounts for signing up before your current policy expires. It can save you around 10%.
- No Charge for an Accident – Certain companies allow you one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
- Multiple Policy Discount – When you have multiple policies with one insurance company you will save at least 10% off all policies.
- Defensive Driver – Successfully completing a driver safety course could cut 5% off your bill if you qualify.
Keep in mind that most credits do not apply to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck. But all discounts will bring down your premiums.
For a list of insurers who offer car insurance discounts, click here.
Buying car insurance locally
Some people just want to sit down with an agent and that is just fine! Licensed agents can point out coverage gaps and give you someone to call. One of the great benefits of comparing rates online is that you can obtain better rates and still have an agent to talk to. Buying from local businesses is especially important in smaller communities.
To help locate an agent, after submitting this short form, your insurance data is transmitted to agents in your area who will return price quotes for your coverage. There is no reason to even leave your home since price quotes are sent straight to your inbox. How’s that for easy!
If you prefer to view a list of agents in your state to contact, click here.
Deciding on an insurer needs to be determined by more than just the premium amount. These are valid questions to ask:
- Do they regularly work with personal auto policies?
- If your car is in the repair shop, do you have coverage for a rental car?
- How often do they review policy coverages?
- Are you getting all the discounts the company offers?
- Do they receive special compensation for putting your coverage with one company over another?
- Do they feel the quoted coverages are adequate?
- What insurance companies do they work with?
Once you have received positive feedback to these questions and locked in a price quote, most likely you have located an insurance company that can service your policy.
Online plus local equals savings
You just read many ways to lower your Kia Forte insurance rates. The key thing to remember is the more you quote, the higher the chance of saving money. Consumers could even find that the lowest rates come from a small mutual company. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as Progressive and GEICO.
When trying to cut insurance costs, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice full coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at a price you can afford.
