2013 Kia Forte Insurance Quotes – 5 Tips for Best Rates

Want lower insurance rates? Drivers have many options when trying to find the lowest priced Kia Forte insurance. You can either waste hours struggling with agents to get rate comparisons or utilize the internet to find the lowest rates.

There are both good and bad ways to buy insurance and you need to know the best way to compare rates for your Kia and obtain the cheapest rates either online or from local insurance agents.

It’s important to compare prices yearly since insurance rates are usually higher with each renewal. Just because you had the lowest rates for Forte coverage a few years ago there may be better deals available now. Forget all the misinformation about insurance because you’re about to find out the proper way to eliminate unnecessary coverages and save money.

If you have a policy now or need a new policy, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. This information will help educate you on how to effectively get price quotes and some tricks to saving. Vehicle owners only need an understanding of how to get comparison quotes on the web.

Comparison of Insurance

Getting better 2013 Kia Forte insurance pricing is not rocket science. Just spend a few minutes comparing price quotes provided by online insurance companies. This can be accomplished using a couple different methods.

  • The fastest way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This form eliminates the need for separate forms to each individual insurance company. Filling out one form will get you rate comparisons from multiple low-cost companies. It’s the fastest way to compare.
  • A harder way to shop for insurance online requires a visit to each company website and request a quote. For example, let’s assume you want to compare Progressive, Allstate and American Family. You would have to spend time on each company’s site and enter your policy data, which is why the first method is quicker. To view a list of companies in your area, click here.

However you get your quotes, compare the exact same deductibles and coverage limits with each company. If you are comparing unequal deductibles or liability limits it’s impossible to decipher which rate is best.

More discounts equal less premium

Insuring your fleet can be pricey, but companies offer discounts that you may not know about. Some discounts apply automatically when you purchase, but lesser-known reductions have to be inquired about prior to receiving the credit. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Multi-car Discount – Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Seat Belt Usage – Requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
  • Payment Method – If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up online.

Consumers should know that some of the credits will not apply the the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. Just because it seems like it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will help reduce the cost of coverage.

Car insurance companies that possibly offer these discounts may include but are not limited to:

It’s a good idea to ask every prospective company which discounts they offer. Savings may not be available everywhere.

It’s not one size fits all

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is no “perfect” insurance plan. Each situation is unique.

For example, these questions may help highlight if your insurance needs will benefit from professional help.

  • Does having multiple vehicles earn me a discount?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is extra glass coverage worth it?
  • Am I covered when driving in Canada or Mexico?
  • Does insurance cover damages from a DUI accident?
  • Are rental cars covered under my policy?
  • Can my teen drive my company car?
  • Why do I only qualify for high-risk insurance?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.

Specific coverage details

Understanding the coverages of your policy can help you determine appropriate coverage for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as X-ray expenses, funeral costs, EMT expenses and doctor visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a mailbox, hitting a parking meter, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2013 Kia Forte.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, a broken windshield, a tree branch falling on your vehicle, falling objects and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability insurance

This coverage can cover injuries or damage you cause to other people or property. It protects YOU against other people’s claims. Liability doesn’t cover 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. You might see values of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as attorney fees, medical expenses, funeral expenses and legal defense fees. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

At the end of the day…

As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. There have been many situations where an insured cut liability coverage limits and learned later that they should have had better coverage. The aim is to buy the best coverage you can find at the best price while still protecting your assets.

Affordable 2013 Kia Forte insurance can be purchased on the web in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies do not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

We’ve covered a lot of information how to reduce insurance prices online. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. Consumers could even find that the biggest savings come from some of the lesser-known companies.

More articles