2013 Kia Forte Insurance Quotes – 8 Tricks for Best Rates

Are you overwhelmed by the sheer number of car insurance company choices? Many other consumers are too. There are so many companies to choose from that it can easily become a real challenge to find the lowest price.

Choosing the best insurance company for you is not rocket science. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these techniques. But car owners do need to learn how big insurance companies determine prices and apply this information to your search.

Don’t miss these eight discounts

Auto insurance companies don’t always list all their discounts very clearly, so here is a list some of the best known as well as the least known discounts you could be receiving.

  • Paperwork-free – Certain companies will give a small break simply for signing online.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less for Forte coverage than drivers with accidents.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% for Forte coverage with certain companies.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Early Switch Discount – Some insurance companies reward drivers for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Good Student – A discount for being a good student can get you a discount of up to 25%. The discount lasts until age 25.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get a small decrease in premiums for Forte coverage.

It’s important to note that some credits don’t apply to the entire cost. Most cut individual premiums such as liability and collision coverage. So despite the fact that it appears you could get a free insurance policy, insurance companies aren’t that generous.

Insurance companies who might offer these money-saving discounts include:

Check with each company which discounts they offer. All car insurance discounts might not apply in your state.

The quickest method we recommend to compare insurance rates in your area utilizes the fact car insurance companies will pay a fee to provide you with free rate quotes. To begin a comparison, all you need to do is give them rating details including your occupation, your general credit rating, any included safety features, and the year, make and model of vehicles. Your details is instantly sent to many different companies and you will get price comparisons very quickly.

To compare rates for a now, click here and complete the quick form.

When might I need help?

When choosing the right insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

These are some specific questions can aid in determining if you could use an agent’s help.

  • Is my teenager covered with friends in the car?
  • What is the minimum liability in my state?
  • Will filing a claim cost me more?
  • How do I file an SR-22 for a DUI in my state?
  • Do I have coverage when making deliveries for my home business?
  • Does having multiple vehicles earn me a discount?
  • Can my babysitter drive my car?
  • Is business equipment covered while in my vehicle?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Coverages available on your insurance policy

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, hitting a deer and a broken windshield. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for immediate expenses for things like surgery, X-ray expenses and pain medications. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability car insurance

Liability coverage can cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as attorney fees, court costs, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Auto collision coverage

Collision coverage pays for damage to your Forte resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as rolling your car, damaging your car on a curb, hitting a mailbox and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Kia Forte.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Smart shoppers get results

We covered quite a bit of information on how to lower your 2013 Kia Forte insurance rates. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. You may even discover the lowest rates come from the least-expected company.

As you restructure your insurance plan, it’s a bad idea to reduce coverage to reduce premium. There are too many instances where an insured dropped collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage at an affordable rate while still protecting your assets.

Low-cost insurance is attainable on the web and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers may not provide the ability to get a quote online and these small insurance companies work with independent agents.

More tips and info about auto insurance can be found at these sites: