Kia Forte insurance image courtesy of QuoteInspector.com
Buying cheaper auto insurance for a Kia Forte hinges on a fairly complex equation with a lot of factors such as whether you are male or female, your credit score, and if you have a history of accidents. Drivers pay around $1,109 annually to insure their Forte, but that amount is based upon a 40-year-old single male driver with full coverage and $250 deductibles.
This brings up the issue that more than likely you are not 40 years old and maybe not even male, you might be married instead of single, and you need different coverage limits than the sample rates. Even a slight difference in the criteria used to calculate rates may result in a big change in the price of a policy.
This example demonstrates why the best method for finding the cheapest rates for your Kia is to just compare rates yourself. Quotes are always free and you can get rates from some of the cheapest companies in Pennsylvania.
The trim level of your Forte tends to impact the coverage cost, so the price you will pay to insure a Forte LX 4-Dr Sedan trim level will be $274 less than the price to insure the higher-priced Forte SX 2-Dr Coupe model, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Forte LX 4-Dr Sedan||$250||$406||$398||$24||$120||$1,198||$100|
|Forte EX 4-Dr Sedan||$250||$406||$398||$24||$120||$1,198||$100|
|Forte SX 4-Dr Sedan||$282||$492||$398||$24||$120||$1,316||$110|
|Forte EX 2-Dr Coupe||$282||$580||$450||$26||$134||$1,472||$123|
|Forte SX 2-Dr Coupe||$282||$580||$450||$26||$134||$1,472||$123|
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Price estimates do not factor in zip code location which can affect premiums significantly.
Buying coverage from a high-quality insurance company can be difficult considering how many different companies insure vehicles in Pittsburgh. The ranking information shown next could help you pick which coverage providers to look at purchasing coverage from. The ratings below are for the companies with a significant amount of written premium nationwide, so smaller companies that only insure vehicles in Pennsylvania are not included in the list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Get discounts on Pittsburgh car insurance rates
Insurance providers that offer coverage for a Kia Forte may also offer rate discounts that could lower prices by as much as 35% if you qualify for them. The best car insurance companies and a partial list of their discounts are:
- 21st Century offers discounts including homeowners, theft prevention, air bags, good student, 55 and older, early bird, and student driver.
- State Farm has savings for safe vehicle, Drive Safe & Save, passive restraint, multiple policy, good student, Steer Clear safe driver discount, and anti-theft.
- AAA may include discounts for pay-in-full, education and occupation, multi-policy, good student, good driver, AAA membership discount, and anti-theft.
- Liberty Mutual may have discounts that include multi-car, hybrid vehicle, newly retired, newly married, and multi-policy.
- Progressive has discounts for good student, online quote discount, continuous coverage, homeowner, multi-policy, and multi-vehicle.
The information below illustrates the comparison of insurance costs with and without discounts. Data assumes a female driver, no claims or driving violations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with passive restraint, multiple vehicle, anti-theft, accident-free, vehicle safety, and multiple policy discounts applied. When these discounts are applied, theaverage yearly reduction on car insurance for a Kia Forte is 28% or $499.
Full coverage or liability only
Paying a lower price for car insurance is important to the majority of vehicle owners, and one easy way to buy cheaper insurance for a Kia Forte is to only buy liability insurance. The example below visualizes the comparison of premium costs with full coverage and liability only. The rates are based on no claims, a clean driving record, $500 deductibles, drivers are single, and no discounts are applied.
Averaged for all ages 20 through 70, physical damage insurance costs an extra $2,104 per year over and above liability coverage. At some point, almost every driver questions if buying full coverage is a good investment. There isn't a written rule that is best for determining when to drop physical damage insurance, but there is a general guideline. If the yearly cost for physical damage coverage is more than about 10% of replacement cost minus your deductible, then it might be time to buy liability only.
If you aren't sure which coverage to buy and prefer to have some professional guidance when trying to find the best insurance rates for a Forte, the agencies below are a good start to help you make a decision which coverages are best. To find a Pittsburgh insurance agency close to where you live, click the button at the bottom of the list.
Corey Griffith - State Farm Insurance Agent
1143 S Braddock Ave - Pittsburgh, PA 15218 - (412) 241-1178
Celik Insurance Agency Inc.
2407 Mt Troy Rd - Pittsburgh, PA 15212 - (412) 323-9300
Nationwide Insurance: Swenson Insurance Inc
234 Shady Ave - Pittsburgh, PA 15206 - (412) 362-8340
Steve Long - State Farm Insurance Agent
2830 W Liberty Ave - Pittsburgh, PA 15216 - (412) 531-5600
Tad Paterra - State Farm Insurance Agent
984 Greentree Rd - Pittsburgh, PA 15220 - (412) 922-2622
How to find the cheapest car insurance for a Kia Forte
The list below shows many money-saving suggestions that can help Pittsburgh drivers locate more affordable auto insurance.
- Clean up your credit rating
- Higher deductibles save money
- Too many claims can make car insurance unaffordable
- Buying your home and auto policies from the same company can earn a discount
- Buy safe vehicles
- If your vehicles are older, consider dropping full coverage
- Comparison shop frequently
The last tip is especially crucial, as was affirmed in this piece. Prices charged by auto insurers can change in a short period of time, so don't hesitate to buy a policy from a new company if a cheaper rate is available.
Brand loyalty is great, but it's not a great idea if that dedication is costing money that could be spent on other things. If you have a few minutes, shop around to find cheaper auto insurance for a Kia Forte in Pittsburgh.