View 2014 Kia Forte Insurance Quotes

Finding the lowest cost insurance online can be intimidating for consumers not familiar with price shopping online. When there are so many online companies available, how can anyone possibly compare them all to find the best available rates?

It’s important to get comparison quotes once or twice a year due to the fact that insurance rates are adjusted regularly by insurance companies. If you had the best price for Forte coverage a few years ago the chances are good that you can find a lower rate today. Don’t believe everything you read about insurance on the internet, so I’m going to show you the easiest ways to quit paying high insurance rates.

Shopping for the best coverage is not that difficult. Essentially everyone who shops for insurance should be able to reduce their rates. But vehicle owners do need to understand the way companies compete online and use this information to your advantage.

Discounts are available to cut your rates

Car insurance is not cheap, but there are discounts available that can drop the cost substantially. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be specifically requested before being credited.

  • Student in College – Children who are attending college and don’t have a car can receive lower rates.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Accident Free – Good drivers with no accidents pay much less when compared to accident-prone drivers.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Forte coverage than their less cautious counterparts.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy qualifies for this discount.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts can qualify for discounts up to 30%.

A little note about advertised discounts, most discounts do not apply to the entire cost. Most cut specific coverage prices like liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, it just doesn’t work that way. But any discount will help reduce your premiums.

Car insurance companies that may have these discounts are:

Before buying, ask each insurance company what discounts are available to you. Savings may not be available in every state.

Everyone needs different coverages

When it comes to choosing the right insurance coverage, there really is no best way to insure your cars. Each situation is unique.

For instance, these questions can help discover if you could use an agent’s help.

  • Do I need PIP coverage since I have good health insurance?
  • Are rock chip repairs covered?
  • At what point should I drop full coverage?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered when driving someone else’s vehicle?
  • Can I still get insurance after a DUI?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Advertising myths

Progressive, Allstate and Geico consistently run ads on TV and radio. All the companies have a common claim that you’ll save big if you change your coverage to them. How does each company claim to save you money?

All the different companies can use profiling for the right customer that makes them money. For instance, a profitable customer might be between 25 and 40, has no prior claims, and has a high credit rating. Any new insured who fits that profile receives the best rates and as a result will probably save quite a bit of money when switching.

Potential insureds who fall outside this ideal profile will be quoted higher prices and ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” not “everyone that quotes” save that kind of money. That’s why insurance companies can state the savings.

This emphasizes why you need to get a wide range of price quotes. It’s just too difficult to predict the company that will provide you with the cheapest Kia Forte insurance rates.

Insurance policy coverages for a 2014 Kia Forte

Learning about specific coverages of insurance helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as nursing services, prosthetic devices, rehabilitation expenses, hospital visits and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability car insurance

This coverage provides protection from damage or injury you incur to a person or their property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like repair bills for other people’s vehicles, medical expenses and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Kia Forte.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Coverage for collisions

Collision coverage will pay to fix damage to your Forte resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a mailbox, backing into a parked car, damaging your car on a curb, scraping a guard rail and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like theft, hitting a bird, rock chips in glass and vandalism. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Summing up your car insurance search

You just read quite a bit of information on how to lower your 2014 Kia Forte insurance rates. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. You may even find the best price on car insurance is with a small local company.

Lower-priced insurance is definitely available from both online companies and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies may not provide the ability to get a quote online and these small insurance companies work with independent agents.

As you prepare to switch companies, don’t be tempted to skimp on coverage in order to save money. There have been many cases where someone dropped liability coverage limits only to find out that it was a big mistake. Your focus should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

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