Kia Forte Insurance Rate Quotes in Pittsburgh

Sad but true, almost 70% of drivers kept buying from the same company for a minimum of four years, and nearly 40% of drivers have never compared rates with other companies. The average driver in Pennsylvania could cut their rates by 55% a year by just shopping around, but they don’t understand how simple it is to go online and compare rates.

Discount Kia Forte insuranceThe best way we recommend to find cheaper auto insurance rates is to compare quotes annually from insurance carriers who sell insurance in Pittsburgh.

A valuable tip to remember is to use the same coverage limits and deductibles on every quote and and to get rate quotes from as many car insurance companies as possible. This enables an accurate price comparison and a thorough price selection.

When shopping for inexpensive Pittsburgh auto insurance quotes, there are a couple of ways to get quotes from local Pittsburgh auto insurance companies. The easiest way by far to lower the rate you pay for Kia Forte insurance is simply to get online rate quotes.

It’s so easy to compare quotes online that it takes the place of having to physically go to different Pittsburgh agent offices. Comparing Kia Forte insurance rate quotes online makes this unnecessary unless you want the trained guidance of an agent trained in personal lines coverage. However, consumers can get the lowest quotes online but still have the advice of a local agent.

When quoting auto insurance, remember that comparing a large number of companies will enable you to find more affordable rates. Not every company provides Pittsburgh Forte insurance quotes online, so you need to compare price estimates from them, too.

The companies shown below are ready to provide free rate quotes in Pittsburgh, PA. In order to find the cheapest car insurance in Pennsylvania, we recommend you visit as many as you can in order to get a fair rate comparison.

Kia Forte insurance coverage information

The rate table shown below highlights a range of prices for Kia Forte models. Being able to understand how rates are figured can be useful when making decisions when shopping your coverage around.

Kia Forte Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $274 $412 $336 $20 $100 $1,142 $95
Forte EX 4-Dr Sedan $274 $412 $336 $20 $100 $1,142 $95
Forte SX 4-Dr Sedan $310 $502 $336 $20 $100 $1,268 $106
Forte EX 2-Dr Coupe $310 $590 $380 $22 $114 $1,416 $118
Forte SX 2-Dr Coupe $310 $590 $380 $22 $114 $1,416 $118
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Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can impact auto insurance rates substantially.

Can higher deductibles save money?

One of the more difficult decisions when buying insurance is at what level do you set your deductibles. The following insurance rates illustrate how much more rates are between low and high comp and collision deductibles. The first pricing table uses a $100 physical damage deductible and the second set of rates uses a $1,000 deductible.

Kia Forte insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $284 $420 $330 $20 $98 $1,177 $98
Forte EX 4-Dr Sedan $284 $420 $330 $20 $98 $1,177 $98
Forte SX 4-Dr Sedan $320 $512 $330 $20 $98 $1,305 $109
Forte EX 2-Dr Coupe $320 $602 $372 $22 $112 $1,453 $121
Forte SX 2-Dr Coupe $320 $602 $372 $22 $112 $1,453 $121
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Kia Forte insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $158 $222 $330 $20 $98 $828 $69
Forte EX 4-Dr Sedan $158 $222 $330 $20 $98 $828 $69
Forte SX 4-Dr Sedan $178 $270 $330 $20 $98 $896 $75
Forte EX 2-Dr Coupe $178 $318 $372 $22 $112 $1,002 $84
Forte SX 2-Dr Coupe $178 $318 $372 $22 $112 $1,002 $84
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in zip code location which can influence auto insurance rates noticeably.

Based on the figures above, using a $100 deductible will cost in the ballpark of $33 more each month or $396 for a full year averaged for all Forte models than buying the higher $1,000 deductible. Since you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 27 months between claim filings, you would probably come out ahead if you choose a higher deductible. The numbers below show how you can do this calculation yourself.

Average monthly premium for $100 deductibles: $109
Average monthly premium for $1,000 deductibles (subtract): – $76
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

One thing to be aware of is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself when you have a physical damage claim. You need to make sure you have enough disposable income in the event you need to pay the deductible.

The information below shows how choosing a deductible and can raise or lower Kia Forte yearly insurance costs for different age groups. The price estimates are based on a single male driver, full coverage, and no additional discounts are factored in.

Full coverage versus liability-only

The chart below shows the difference between Kia Forte insurance prices with and without full coverage. The costs are based on no claims or driving violations, $100 deductibles, marital status is single, and no discounts are factored in.

When to eliminate full coverage

There isn’t a written rule for dropping comp and collision coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Kia Forte settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $7,000 after you pay the deductible. If premiums are more than $700 a year to have full coverage, then you might want to think about dropping full coverage.

There are some cases where dropping physical damage coverage is not a good plan. If you still owe a portion of the original loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

Buying the right Forte insurance in Pennsylvania is an important decision

Despite the high cost, paying for auto insurance is required for several reasons.

The benefits of insuring your car definitely exceed the cost, especially if you ever need it. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $700 annually so it’s important to compare rates each time the policy renews to help ensure money is not being wasted.

Smart Consumers Can Lower Insurance Rates

A large part of saving on car insurance is knowing a few of the rating criteria that are used to determine your car insurance rates. When consumers understand what determines premiums, this allows you to make good choices that can help you get cheaper rates.

Find affordable rates by being thorough

Affordable Kia Forte insurance in Pittsburgh is attainable on the web in addition to local insurance agencies, and you need to price shop both so you have a total pricing picture. A few companies may not have rate quotes online and usually these regional carriers prefer to sell through independent insurance agents.

We just covered a lot of information how to save on Kia Forte insurance in Pittsburgh. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the lowest prices come from the least-expected company. Regional companies may only write in your state and offer lower rates than their larger competitors like Allstate, GEICO and Progressive.

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