Best Insurance for a Kia Forte in Fort Worth

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Insurance rates Kia Forte in Fort WorthThe recommended way to find affordable Kia Forte insurance is to compare prices at least once a year from insurers in Fort Worth. Rate comparisons can be done by following these steps.

Step 1: Gain an understanding of what coverages are included in your policy and the things you can control to drop your rates. Many factors that cause rate increases like at-fault accidents, careless driving, and a not-so-good credit score can be remedied by making lifestyle changes or driving safer.

Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from a single company like GEICO and Allstate, while independent agencies can quote prices from multiple companies.

Step 3: Compare the new rate quotes to your existing rates and see if you can save money. If you find better rates, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Tell your current company of your intention to cancel your current car insurance policy and submit a down payment along with a completed application for the new coverage. Once the paperwork is finalized, keep your new proof of insurance paperwork in an easily accessible location in your vehicle.

The key thing to know about shopping around is to try to compare the same level of coverage on each quote request and and to analyze as many different insurance providers as possible. Doing this helps ensure a level playing field and a good representation of prices.

It's well known that auto insurance companies want to prevent you from shopping around. Consumers who get price comparisons will, in all likelihood, switch insurance companies because there is a good probability of finding a lower-priced policy. Surprisingly, a recent survey revealed that consumers who compared rates once a year saved approximately $860 a year as compared to drivers who never shopped around for cheaper prices.

If finding the lowest rates on Kia Forte insurance in Fort Worth is the reason you're here, then having a grasp of the best ways to shop for insurance premiums can help make the process easier.

If you are already insured, you will definitely be able to lower your rates using these tips. The purpose of this post is to teach you a little about how insurance works and some tips to save money. But Texas drivers can benefit by having an understanding of the way insurance companies determine premium rates because it can help you find the best coverage.

What Determines Kia Forte Insurance Costs?

The best way to find cheaper auto insurance is to take a look at some of the elements that help determine your policy premiums. If you understand what determines premiums, this allows you to make good choices that could help you find cheaper rates. Many things are used when you get your auto insurance bill. Most are fairly basic like a motor vehicle report, but some are less apparent such as your credit history or your commute time.

The factors shown below are a few of the things auto insurance companies consider when setting your premiums.

  • Prevent your car from being stolen - Selecting a car model that has an advanced theft prevention system can help lower your premiums. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all help stop auto theft and help lower rates.
  • Insurance rates in urban areas - Being located in areas with lower population has definite advantages when shopping for auto insurance. People in densely populated areas have much more traffic and much longer commute distances. Lower population means fewer accidents in addition to fewer liability claims.
  • Battle of the sexes - The statistics show women are more cautious behind the wheel. Now that doesn't mean females are better at driving than males. Women and men tend to get into accidents at a similar rate, but guys tend to have higher claims. Men also receive more costly citations like reckless driving and DUI.

    The chart below compares Kia Forte yearly insurance costs for male and female drivers. The data assumes no violations or accidents, full coverage, $250 deductibles, drivers are single, and no additional discounts are factored in.

  • More performance means more cost - The make and model of the vehicle you need insurance for makes a significant difference in your car insurance bill. The lowest performance passenger cars normally have pretty low rates, but your final cost has many other factors.

    The data below uses these assumptions: single female driver age 30, full coverage with $500 deductibles, and no discounts or violations. It shows Kia Forte policy rates compared to other vehicles that have different performance rating factors.

  • Low deductibles can be expensive - The deductibles state the amount of money you are required to spend in the event of a claim. Physical damage insurance, also called 'full coverage', protects your car from damage. Some examples of claims that would be covered would be colliding with a stationary object, damage caused by hail, and damage from wind. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance.
  • Safety first - Cars with high safety ratings get lower rates. These vehicles reduce occupant injuries and reduced instances of injuries means less claims paid passed on to you as lower rates.
  • Annual mileage impacts rates - The higher the mileage driven in a year's time the higher your rate. A lot of insurance companies calculate rates based on their usage. Cars that do not get driven very much get more affordable rates than vehicles that have high annual mileage. It's a smart idea to ensure your policy properly reflects the correct usage for each vehicle, because improper ratings can cost you money. An improperly rated Forte can cost quite a bit.
  • Save money by eliminating add-on coverages - There are many extra bells and whistles that can add up when buying auto insurance. Coverage for things like vanishing deductibles, better glass coverage, and membership fees could be just wasting money. They may sound like good ideas at first, but your needs may have changed so think about removing them and cutting costs.
  • Insurance loss data for a Kia Forte - Insurers study historical loss data to calculate a rate that will offset losses. Vehicles that tend to have increased claim numbers or amounts will have higher premium rates.

    The table below outlines the insurance loss data used by companies for Kia Forte vehicles. For each type of coverage, the claim amount for all vehicles combined as an average is set at 100. Values that are 100 or less imply a favorable loss record, while values that are 100 or greater point to more claims or an increased likelihood of larger losses.

    Kia Forte Insurance Loss Statistics
    Specific Kia Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Kia Forte 114 117 103 176 183 144
    Kia Forte 114 98 147
    Kia Forte 102 102 86
    BETTER
    AVERAGE
    WORSE

    Empty fields indicate not enough data collected
    Statistics from IIHS.org for 2013-2015 Model Years

All the larger auto insurance companies such as State Farm, Allstate and GEICO allow consumers to get coverage price quotes from their websites. Getting Kia Forte insurance prices online is possible for anyone because you just enter your personal and coverage information into the quote form. Once you submit the form, the quote system requests information on your driving record and credit history and quotes a price.

Getting online rates for Kia Forte insurance in Fort Worth simplifies rate comparisons, and it's necessary to get many rate quotes in order to find the cheapest possible prices on auto insurance.

To fill out one form to compare multiple rates now, take a look at the companies shown below. If you have coverage now, it's recommended you complete the form with coverages and limits identical to your current policy. This helps ensure you will get an apples-to-apples comparison for the exact same coverage.

The companies in the list below provide comparison quotes in Fort Worth, TX. If several companies are displayed, we suggest you click on several of them to get the best price comparison.

Insurance coverage details

The coverage information displayed below covers detailed analysis of coverage costs for Kia Forte models. Having insight into how car insurance premiums are determined helps drivers make smart choices when buying a car insurance policy.

Kia Forte Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $186 $280 $366 $22 $110 $964 $80
Forte EX 4-Dr Sedan $186 $280 $366 $22 $110 $964 $80
Forte SX 4-Dr Sedan $210 $340 $366 $22 $110 $1,048 $87
Forte EX 2-Dr Coupe $210 $400 $414 $24 $124 $1,172 $98
Forte SX 2-Dr Coupe $210 $400 $414 $24 $124 $1,172 $98
Get Your Own Custom Quote Go

Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can change premiums substantially.

Physical damage deductible comparison

When comparing car insurance rates, the most common question is the level to set your comp and collision deductibles. The rates below highlight how much more rates are when you select higher and lower deductibles. The first set of prices uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Kia Forte insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $328 $486 $382 $22 $114 $1,357 $113
Forte EX 4-Dr Sedan $328 $486 $382 $22 $114 $1,357 $113
Forte SX 4-Dr Sedan $370 $592 $382 $22 $114 $1,505 $125
Forte EX 2-Dr Coupe $370 $698 $430 $26 $128 $1,677 $140
Forte SX 2-Dr Coupe $370 $698 $430 $26 $128 $1,677 $140
Get Your Own Custom Quote Go
Kia Forte insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $182 $256 $382 $22 $114 $956 $80
Forte EX 4-Dr Sedan $182 $256 $382 $22 $114 $956 $80
Forte SX 4-Dr Sedan $206 $312 $382 $22 $114 $1,036 $86
Forte EX 2-Dr Coupe $206 $368 $430 $26 $128 $1,158 $97
Forte SX 2-Dr Coupe $206 $368 $430 $26 $128 $1,158 $97
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate information does not factor in specific Fort Worth garaging location which can alter coverage rates considerably.

Using the data above, we can ascertain that using a $100 deductible could cost the average driver approximately $38 more each month or $456 a year than selecting the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 24 months between claims, you would come out ahead if you decide on a higher deductible. Here is how you can do this calculation yourself.

Average monthly premium for $100 deductibles: $126
Average monthly premium for $1,000 deductibles (subtract): - $88
Monthly savings from raising deductible: $38
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $38
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

An important thing to remember is that raising deductibles results in more money out-of-pocket when you have to file a claim. You need to have enough disposable savings in the event you have to pay the higher deductible in order to repair your vehicle.

The diagram below shows how different deductible levels and can change Kia Forte insurance costs for different age groups. The premiums are based on a married female driver, full coverage, and no discounts are taken into consideration.

Insurance does more than just protect your car

Despite the potentially high cost of Kia Forte insurance, maintaining insurance serves a purpose in several ways.

First, most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a minimum amount of liability insurance coverage in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a loan on your Forte, most banks will make it a condition of the loan that you have physical damage coverage to guarantee their interest in the vehicle. If you default on your policy, the bank may insure your Kia at an extremely high rate and require you to fork over much more than you were paying before.

Third, insurance safeguards not only your Kia but also your financial assets. It also can pay for medical expenses incurred in an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if anyone sues you for causing an accident. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of carrying adequate insurance more than offset the price you pay, especially when you need to use it. Despite what companies tell you, the average driver is overpaying more than $865 each year so smart consumers compare quotes every year to make sure the price is not too high.

Insurance policy discounts for Kia Forte insurance in Fort Worth

Insurance is easily one of your largest bills, but you might already qualify for some discounts that you may not know about. Certain discounts will be applied when you get a quote, but some must be inquired about before you get the savings.Cheaper insurance with discounts

  • Air Bag Discount - Vehicles equipped with air bags and/or automatic seat belt systems may get savings of 25 to 30%.
  • Multi-policy Discount - When you combine your homeowners and auto insurance with one insurance company you could save nearly 15% which can help you find cheap Forte insurance.
  • Student Discount for Driver Training - Make teen driver coverage more affordable by requiring them to take driver's ed class in school or through a local driver safety program.
  • Telematics Data - People who choose to allow driving data submission to spy on driving habits by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate's Drivewise system could possibly reduce rates if they have good driving habits.
  • More Vehicles More Savings - Purchasing coverage when you have all your vehicles with the same insurance company can get a discount on all vehicles.
  • Distant College Student Discount - Kids who attend college more than 100 miles from Fort Worth and do not have a car may be able to be covered for less.
  • One Accident Forgiven - Not a discount per se, but some companies like Allstate and Progressive will forgive one accident without getting socked with a rate hike so long as you haven't had any claims for a particular time prior to the accident.

While discounts sound great, it's important to understand that most discounts do not apply to the whole policy. The majority will only reduce specific coverage prices like comp or med pay. So even though you would think all those discounts means the company will pay you, company stockholders wouldn't be very happy. Any amount of discount should help lower your overall premium however.

The chart below shows the comparison of Kia Forte insurance costs with and without discounts applied to the policy rates. The premiums assume a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, multi-car, claim-free, safe-driver, and marriage discounts applied.

For a list of insurance companies that can offer you the previously mentioned discounts in Texas, click here to view.

Compare prices but work with a neighborhood Fort Worth auto insurance agent

Many people prefer to talk to an insurance agent and that can be a great decision One of the best bonuses of comparing insurance prices online is that drivers can save money and get cheap rate quotes and still have an agent to talk to.

Find insurance agent in Fort WorthOnce you complete this quick form, your coverage information is sent to agents in your area who can give free rate quotes for your car insurance coverage. It's much easier because you don't need to even leave your home because prices are sent to the email address you provide. You can find better rates without having to waste a lot of time. If you wish to quote rates for a specific company, feel free to go to their quote page and give them your coverage information.

Choosing the best insurer requires you to look at more than just a low price. Any agent in Fort Worth should have no problem answering these questions:

  • Is working in the agency their full-time job?
  • How does the company pay claims for a total loss?
  • Do they offer rental car reimbursement?
  • Will one accident increase rates?
  • Is there a 24/7 contact number?

If you are wanting to find a local Fort Worth insurance agency, it can be helpful to understand the different agency structures and how they function. Fort Worth agents are either exclusive agents or independent agents.

Exclusive Car Insurance Agencies

These type of agents can only place business with one company such as State Farm or Allstate. Exclusive agents are unable to provide prices from multiple companies so you need to shop around if the rates are high. Exclusive agencies are usually quite knowledgeable on their company's products and that can be a competitive advantage. Some insured continue to purchase coverage from exclusives primarily because of the brand name and strong financial ratings.

Shown below are Fort Worth exclusive insurance agencies willing to provide comparison quotes.

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Independent Agents (or Brokers)

Agents that elect to be independent can sell policies from many different companies so they have the ability to put coverage with lots of companies and find the cheapest rate. To move your coverage to a new company, an independent agent can move your coverage and you don't have to do anything.

When comparing car insurance rates, you absolutely need to include price quotes from independent agents to have the most options to choose from. Most also have access to companies that do not advertise much that may provide cheaper car insurance rates.

Below are independent agents in Fort Worth who can help you get rate quotes.

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Different people need different insurance coverages

Always keep in mind that when comparing insurance from an agent or online for your personal vehicles, there really is not a "best" method to buy coverage. Everyone's situation is unique so your insurance needs to address that.Insurance savings These are some specific questions may help you determine if your situation may require specific advice.

  • What discounts do I qualify for?
  • How can I force my company to pay a claim?
  • When should I remove comp and collision on my Kia Forte?
  • Does my policy cover me when driving someone else's vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • How can I get high-risk coverage after a DUI?
  • Should I drop comprehensive coverage on older vehicles?
  • Are rock-chip repairs free?
  • Is my dog or cat covered if injured in an accident?
  • Who is covered when they drive my Kia Forte?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

The best insurance company isn't always the cheapest

When searching for low cost Fort Worth auto insurance quotes, it's very important that you do not skimp on critical coverages to save a buck or two. In many instances, someone dropped full coverage to discover at claim time they didn't purchase enough coverage. The ultimate goal is to buy the best coverage you can find at the best price, not the least amount of coverage.

Lower-priced Kia Forte insurance in Fort Worth can be purchased both online and also from your neighborhood Fort Worth agents, so you need to quote Fort Worth auto insurance with both to get a complete price analysis. Some insurance companies may not offer price quotes online and most of the time these small, regional companies provide coverage only through local independent agents.

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