How Much Does 2014 Kia Forte Insurance Cost?

Tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than most other car owners. Many car insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurers to get the lowest rate

If you have a current insurance coverage policy or are looking for a new policy, you can use these tips to cut your premiums and possibly find even better coverage. Finding affordable coverage is easy if you know what you’re doing. Consumers just need to know the proper way to compare prices on the web.

Insurance Coverage Prices

Finding cheaper 2014 Kia Forte insurance coverage prices can be relatively painless. You just need to spend a little time comparing rates provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

The most efficient way to find low rates is to use a rate comparison form click to view form in new window. This method keeps you from doing boring form submissions for each company you want a rate for. One quote request will get you price quotes from all major companies.

A more difficult way to analyze rates requires a trip to the website of each company and complete a new quote form. For example, let’s assume you want rates from USAA, State Farm and Progressive. To get each rate you have to visit each site to enter your coverage information, which is why the first method is quicker.

For a list of links to insurance companies in your area, click here.

Whichever method you choose, compare exactly the same coverage limits for every quote you compare. If you enter unequal deductibles or liability limits then you won’t be able to determine which rate is truly the best.

Cut your insurance coverage rates with discounts

Car insurance companies don’t necessarily list all their discounts in an easy-to-find place, so we researched some of the more common and also the lesser-known discounts you could be receiving. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • Safe Driver Discount – Insureds without accidents may save up to 50% more on Forte coverage than their less cautious counterparts.
  • Clubs and Organizations – Being a member of a civic or occupational organization is a good way to get lower rates on insurance coverage on Forte coverage.
  • Defensive Driver – Taking a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Good Student – Performing well in school can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Life Insurance – Companies who offer life insurance give a break if you buy life insurance.
  • Discount for New Cars – Insuring a new car can save up to 30% since new cars are generally safer.
  • Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.

Keep in mind that some credits don’t apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky.

For a list of providers offering insurance coverage discounts, click here.

You are unique and your insurance coverage should be too

When choosing coverage, there really is not a best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions may help you determine if your situation will benefit from professional help.

  • Do I have coverage for damage caused while driving under the influence?
  • Does my medical payments coverage pay my health insurance deductible?
  • Does insurance cover tools stolen from my truck?
  • Do I have coverage when using my vehicle for my home business?
  • Where can I find high-risk insurance?
  • Exactly who is provided coverage by my policy?
  • Is my dog or cat covered if injured in an accident?
  • Do I need PIP (personal injury protection) coverage in my state?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Kia Forte insurance rates consist of many parts

Smart consumers have a good feel for some of the elements that go into determining the price you pay for car insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that could result in big savings.

  • Don’t let your coverage lapse – Driving with no insurance can get your license suspended and as a result your rates will increase for letting your coverage have a gap. Not only will you pay more, getting caught without coverage might get you a hefty fine and possibly a revoked license.
  • Low deductibles can be expensive – Physical damage deductibles represent how much money you are willing to pay in the event of a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your car from damage. A few examples of covered claims could be colliding with a building, collision with an animal, and burglary. The more you have to pay, the less your company will charge you for insurance on Forte coverage.
  • Males pay more for insurance – Statistics show that women are safer drivers than men. However, don’t assume that men are WORSE drivers than women. Men and women have accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations like DUI and reckless driving.
  • Better credit scores mean better rates – Your credit rating is a important factor in determining your rates. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have lower credit ratings. If your credit can use some improvement, you could potentially save money when insuring your 2014 Kia Forte by improving your rating.
  • Lower miles equals lower premium – The more miles you rack up on your Kia in a year the more you will pay for car insurance. The majority of insurers price each vehicle’s coverage based on their usage. Autos used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. An improperly rated Forte may be costing you. Double check that your car insurance policy shows how each vehicle is driven.
  • Rates may be lower depending on your job – Occupations such as real estate brokers, social workers and financial analysts tend to pay higher average rates due to job stress and long work hours. Conversely, occupations such as actors, engineers and the unemployed have the lowest average rates on Forte coverage.
  • Marriage brings a discount – Getting married actually saves money on your car insurance policy. It translates into being more mature it has been statistically shown that married couples file fewer claims.

Auto insurance 101

Knowing the specifics of a auto insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverages offered by auto insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Kia Forte.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for X-ray expenses, EMT expenses and chiropractic care. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Coverage for liability

This coverage protects you from damages or injuries you inflict on other people or property in an accident. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of 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 means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as court costs, funeral expenses, medical services and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive insurance

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 protects against things like hitting a deer, a broken windshield, damage from a tornado or hurricane and hail damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage protection

Collision coverage pays for damage to your Forte resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as colliding with a tree, hitting a mailbox, backing into a parked car, driving through your garage door and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Shop smart and save

Cheaper 2014 Kia Forte insurance can be found from both online companies as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. Some car insurance companies don’t offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

When shopping online for car insurance, never skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced collision coverage and discovered at claim time that it was a big error on their part. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

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