Lower Your 2010 Kia Forte Insurance Quotes

Are you sick and tired of paying out the nose each month for car insurance? You’re in the same situation as the majority of other car owners. Multiple auto insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurers and get the best coverage at the best price available.

Consumers need to check insurance prices every six months because insurance rates are constantly changing. Just because you had the lowest rates for Forte coverage last year you can probably find a better price now. You’ll find quite a bit of inaccurate information about insurance on the web, but with this article, you’re going to get some proven techniques to buy insurance cheaper.

If you have a policy now or are shopping for new coverage, you can follow these tips to cut your premiums and still get good coverage. Buying car insurance is not rocket science. Drivers just need to learn the most efficient way to get comparison rates over the internet.

Comprehensive Auto Insurance Comparison Quotes

Finding lower auto insurance rates can be surprisingly simple. Drivers just need to spend a little time comparing price quotes provided by online insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

The best way to find low rates would be an industry-wide quote request form like this one (opens in new window). This easy form eliminates the need for multiple quote forms to each individual auto insurance company. One quote request will return price quotes from several companies.

A harder way to obtain and compare quotes online requires visiting the website of each company to request a price quote. For sake of this example, we’ll pretend you want rates from Farmers, 21st Century and Progressive. You would have to visit each site and enter your policy data, and that’s why the first method is more popular.

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

The least efficient method to compare rates is to drive around to insurance agents’ offices. The internet can eliminate the need for a local agent unless you have a need for the trained guidance only provided by licensed agents. It is possible to get the lowest quotes online but buy from a local insurance agent and we’ll cover that in a bit.

It’s up to you how you get prices quotes, just double check that you are using identical quote information on every quote you get. If each company quotes different values for each quote it will be impossible to decipher which rate is best.

What determines your Kia Forte insurance premium

Smart consumers have a good feel for the different types of things that come into play when calculating the rates you pay for car insurance. Knowing what impacts premium levels empowers consumers to make smart changes that can help you get lower car insurance prices.

The list below includes some of the factors used by your company to calculate your rates.

  • Better crash test results mean better rates – Vehicles with good safety scores can get you lower premiums. Safer cars result in less severe injuries and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders. If your Kia Forte is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Males pay more for insurance – The statistics show women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. Men and women cause accidents in similar percentages, but the males have costlier accidents. They also get cited for more serious violations like DUI and reckless driving. Young males are several times more likely to be in an accident and therefore have the most expensive car insurance rates.
  • A lapse in coverage is a bad thing – Driving with no insurance is illegal and you will pay a penalty because you let your insurance lapse. Not only will rates go up, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license.
  • Optional equipment can affect rates – Driving a car with a theft deterrent system can get you a discount on your car insurance. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft.
  • Where you reside plays a part – Choosing to live in a rural area has it’s advantages when it comes to car insurance. Drivers who live in large cities regularly have congested traffic and longer commutes to work. Less people living in that area translates into fewer accidents and a lower car theft rate.
  • With age comes lower rates – Older insureds are more cautious drivers, tend to file fewer claims and are safer drivers. Teen drivers have a tendency to be less responsible when behind the wheel therefore car insurance rates are much higher.

How to save on Kia Forte insurance

Companies that sell car insurance do not list every discount in an easy-to-find place, so we break down some of the best known and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education in school.
  • Drive Less and Save – Fewer annual miles on your Kia could qualify for discounted rates on garaged vehicles.
  • Paperless Signup – Certain companies give back up to $50 for buying your policy on their website.
  • Passive Restraint Discount – Cars that have air bags can receive discounts of 20% or more.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Bundle and Save – If you have multiple policies with the same company you may save 10% to 20% off each policy.
  • Defensive Driver – Taking a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Good Student – A discount for being a good student can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.

It’s important to understand that some credits don’t apply to the entire policy premium. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, you’re out of luck.

For a list of insurance companies who offer insurance discounts, click here.

Tailor your coverage to you

When it comes to buying coverage for your personal vehicles, there is no perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions could help you determine if your insurance needs will benefit from professional help.

  • Are split liability limits better than a combined single limit?
  • Who is covered by my policy?
  • Does my personal policy cover me when driving out-of-state?
  • How can I find cheaper teen driver insurance?
  • I don’t drive much so do I pay less?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does my policy cover my teen driver if they drive my company car?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverage specifics

Learning about specific coverages of your auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from auto insurance companies.

Liability auto insurance

This protects you from injuries or damage you cause to people or other property. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as emergency aid, court costs, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like ambulance fees, nursing services, pain medications, chiropractic care and X-ray expenses. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like hitting a parking meter, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Kia Forte.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, damage from a tornado or hurricane, a broken windshield, theft and hail damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Shop Smart and Save

We’ve covered a lot of tips how to save on 2010 Kia Forte insurance. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may even find the best prices are with a lesser-known regional company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.

When you buy insurance online, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced full coverage and learned later that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

Much more information about car insurance can be found at these links: