Save on 2023 Kia Forte Car Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 24, 2024

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Looking for the cheapest insurance rates for your Kia Forte? Have you finally had enough of trying to scrape together enough money to pay your insurance bill each month? You are in the same boat as many other drivers.

Numerous auto insurance companies battle for your hard-earned dollar, so it’s not easy to compare every insurance company to discover the definitive best rates possible.

Don’t overlook these insurance coverage discounts

Properly insuring your vehicles can get expensive, but you may qualify for discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically at the time you complete a quote, but lesser-known reductions have to be specially asked for before you will receive the discount.

  • Multiple Policy Discount – If you can bundle your auto and home insurance and insure them both with the same insurance company you will save at least 10 to 15 percent or more.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen with less frequency and therefore earn up to a 10% discount.
  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Low Miles Discount – Driving fewer miles may enable drivers to earn lower prices on the low mileage vehicles.
  • Savings for New Vehicles – Buying a new car model can cost up to 25% less since newer models have better safety ratings.
  • Discounts for Multiple Vehicles – Buying coverage for several vehicles on one policy can get a discount for every vehicle.

Remember that most credits do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, companies wouldn’t make money that way.

A list of insurance coverage companies and some of their more popular discounts are included below.

  • Esurance offers discounts including Pac-12 alumni, DriveSense, online shopper, claim free, homeowner, and online quote.
  • The Hartford discounts include vehicle fuel type, defensive driver, air bag, driver training, and anti-theft.
  • AAA has discounts for AAA membership discount, good student, pay-in-full, education and occupation, and good driver.
  • GEICO may include discounts for daytime running lights, anti-theft, good student, military active duty, air bags, and defensive driver.
  • State Farm offers premium reductions for accident-free, good student, multiple autos, passive restraint, multiple policy, and good driver.

Before buying, ask every insurance company which discounts they offer. All car insurance discounts might not be offered on policies in your state. To choose insurance companies who offer cheap insurance coverage quotes, enter your zip code here.

When to get professional advice

When it comes to buying the right insurance coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions might help in determining if your situation might need an agent’s assistance.

  • How can I find cheaper teen driver insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered when pulling a rental trailer?
  • If my pet gets injured in an accident are they covered?
  • Does my car insurance cover rental cars?
  • What are the best liability limits?
  • What is an SR-22 filing?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Does insurance coverage advertising bend the truth?

Well-known insurance coverage companies like State Farm, GEICO and Progressive consistently run television and radio advertisements. They all state the claim about how much you will save if you change your policy. That’s great but how can every company make the same claim? It’s all in the words they use.

All the different companies require specific criteria for the type of driver that makes them money. One example of a preferred risk may need to be between 30 and 50, carries high limits, and chooses high deductibles. Someone who fits that profile may get the lowest prices and most likely will cut their rates if they switch.

Insureds who don’t qualify for the “perfect” profile will get higher premium rates which leads to business not being written. If you pay attention, the ads say “drivers that switch” not “all people who quote” save that much. This is how companies can truthfully make those statements.

Because of the profiling, you should compare many company’s rates. You cannot predict which insurance companies will give you the biggest savings.

Auto insurance coverages

Having a good grasp of a auto insurance policy can help you determine the best coverages for your vehicles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages available from auto insurance companies.

Auto collision coverage

This coverage will pay to fix damage to your Forte resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like backing into a parked car, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from getting keyed, a tree branch falling on your vehicle and a broken windshield. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection 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 Kia Forte.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability coverages

Liability coverage will cover damage or injury you incur to a person or their property. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as emergency aid, court costs and funeral expenses. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like X-ray expenses, hospital visits, EMT expenses, dental work and surgery. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

More quotes. Lower rates.

We covered quite a bit of information on how to get a better price on 2023 Kia Forte insurance. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding cheaper car insurance. You may even discover the most savings is with the least-expected company. Some small companies may have significantly lower rates on certain market segments as compared to the big name companies such as Progressive and GEICO.

Discount 2023 Kia Forte insurance is available online and from local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who may not have the ability to get a quote online and usually these smaller providers work with independent insurance agents.

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