Want to learn how to buy low-cost Kia Forte insurance in Louisville? Wish you could get out of high-priced Kia Forte insurance in Louisville? Say no more because many Louisville drivers have buyer’s remorse.
It’s a fact that auto insurance companies want to keep you from shopping around. People who shop around at least once a year are likely to switch companies because there are good odds of finding a more affordable policy premium. A study showed that people who compared prices regularly saved approximately $70 a month compared to those who never shopped around.
If saving money on car insurance is your goal, knowing how to find and compare coverages can make it easier to shop your coverage around.
Steps to finding the cheapest rates for Kia Forte insurance in Louisville
To save the most money, the best way to find low-cost auto insurance rates in Louisville is to do a yearly price comparison from different companies in Kentucky.
- Step 1: Spend a few minutes and learn about how insurance companies determine prices and the steps you can take to prevent expensive coverage. Many risk factors that are responsible for high rates like at-fault accidents, speeding tickets, and an unfavorable credit rating can be rectified by making lifestyle changes or driving safer.
- Step 2: Obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or State Farm, while independent agencies can quote rates from multiple sources.
- Step 3: Compare the new rate quotes to your existing coverage and determine if there is any savings. If you find better rates and make a switch, make sure there is no coverage gap between policies.
- Step 4: Tell your current agent or company of your intention to cancel your existing policy. Submit the signed application along with the required initial payment to the new company. Be sure to store the certificate verifying proof of insurance in your vehicle.
A crucial key to this process is that you’ll want to compare identical coverages on every quote request and and to get rate quotes from as many different companies as possible. This provides an accurate price comparison and a better comparison of the market.
Due to the abundance of options when it comes to insurance, it can be difficult for drivers to find a lower cost insurance company.
Our objective is to familiarize you with how insurance works and some tips to save money. If you have a current auto insurance policy, you will be able to save money using these methods. But Kentucky vehicle owners do need to know how big insurance companies market insurance on the web because rates are impacted by many factors.
The easiest way to compare policy rates for Kia Forte insurance in Louisville is to know the fact most insurance companies actually pay money for the chance to give free rates quotes. The only thing you need to do is give them rating details like if you are currently licensed, your credit rating estimate, the ages of drivers, and if you lease or own. That rating information gets transmitted to many of the top insurers and you should receive rate quotes instantly to find the best rate.
To compare cheaper Kia Forte insurance rates now, click here and find out if you can get cheaper insurance in Louisville.
The auto insurance companies shown below are our best choices to provide free quotes in Kentucky. If your goal is to find the best cheap auto insurance in Louisville, KY, it’s highly recommended you compare several of them to find the cheapest auto insurance rates.
Get cheaper Kia Forte insurance in Louisville with discounts
Some insurers don’t necessarily list every discount in a way that’s easy to find, so we took the time to find some of the more common and the more hidden savings tricks you should be using when you buy Louisville car insurance online. If you aren’t receiving every discount you deserve, you could be paying more than you need to.
- Discount for Home Ownership – Owning a home in Louisville can help you save on car insurance since owning and maintaining a home is proof that your finances are in order.
- Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen less frequently and qualify for as much as a 10% discount.
- Student Driver Training – Require your teen driver to participate in a local driver’s education class in high school.
- Military Rewards – Having a deployed family member may lower your premium rates slightly.
- First Accident Forgiveness – Not necessarily a discount, but some insurance companies allow you one accident before they charge you more for coverage if you are claim-free for a set time period.
- Senior Citizen Rates – Older drivers may qualify for a small decrease in premiums.
- Discount for New Cars – Insuring a vehicle that is new may earn a small discount compared to insuring an older model.
Keep in mind that some of the credits will not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as medical payments or collision. So when it seems like you would end up receiving a 100% discount, you’re out of luck.
The illustration below shows the comparison of Kia Forte yearly insurance costs with and without discounts applied to the rates. The premiums assume a female driver, a clean driving record, no claims, Kentucky state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, safe-driver, multi-car, and marriage discounts applied.
To choose companies that can offer you the previously mentioned discounts in Kentucky, follow this link.
Car insurance data for a Kia Forte
The rate table displayed below showcases a range of rate quotes for Kia Forte models. Having a better understanding of how insurance quotes are determined can aid in making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $320 | $418 | $428 | $26 | $128 | $1,320 | $110 |
| Forte EX 4-Dr Sedan | $320 | $418 | $428 | $26 | $128 | $1,320 | $110 |
| Forte SX 4-Dr Sedan | $362 | $508 | $428 | $26 | $128 | $1,452 | $121 |
| Forte EX 2-Dr Coupe | $362 | $598 | $484 | $28 | $144 | $1,616 | $135 |
| Forte SX 2-Dr Coupe | $362 | $598 | $484 | $28 | $144 | $1,616 | $135 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Table data does not factor in vehicle location which can lower or raise premium rates considerably.
Where to set your deductibles
One frequently asked question is how high should the deductibles for physical damage be. The following insurance rates determine the costs and benefits between high and low comp and collision deductibles. The first rate table uses a $100 deductible for comp and collision and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $280 | $418 | $326 | $20 | $98 | $1,167 | $97 |
| Forte EX 4-Dr Sedan | $280 | $418 | $326 | $20 | $98 | $1,167 | $97 |
| Forte SX 4-Dr Sedan | $318 | $508 | $326 | $20 | $98 | $1,295 | $108 |
| Forte EX 2-Dr Coupe | $318 | $598 | $368 | $22 | $110 | $1,441 | $120 |
| Forte SX 2-Dr Coupe | $318 | $598 | $368 | $22 | $110 | $1,441 | $120 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $206 | $282 | $326 | $20 | $98 | $932 | $78 |
| Forte EX 4-Dr Sedan | $206 | $282 | $326 | $20 | $98 | $932 | $78 |
| Forte SX 4-Dr Sedan | $232 | $342 | $326 | $20 | $98 | $1,018 | $85 |
| Forte EX 2-Dr Coupe | $232 | $404 | $368 | $22 | $110 | $1,136 | $95 |
| Forte SX 2-Dr Coupe | $232 | $404 | $368 | $22 | $110 | $1,136 | $95 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate information does not factor in specific location which can lower or raise auto insurance rates noticeably.
Based on the figures above, using a $100 deductible would cost the average driver about $22 more each month or $264 for a full year than choosing the higher $500 deductible. Since you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you go at least 18 months between claims, you would probably come out ahead if you choose the higher deductible.
Careless driving habits raise Louisville car insurance rates
The information below highlights how speeding tickets and accident claims influence Kia Forte premium costs for different ages of insureds. The costs are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.
Kia Forte insurance costs by age and gender
The information below illustrates the comparison of Kia Forte annual premium costs for male and female drivers. The premiums assume no claims, a clean driving record, full coverage, $250 deductibles, single status, and no discounts are applied.
How do Insurance Companies Determine Kia Forte Insurance Rates?
An important part of buying insurance is that you know the factors that play a part in calculating your policy premiums. If you understand what controls the rates you pay, this allows you to make good choices that can help you get better auto insurance rates. Lots of factors are used when premium rates are determined. Some factors are common sense like an MVR report, but others are not quite as obvious such as your credit history or how financially stable you are.
Listed below are just a few of the factors used by your company to calculate your rate level.
- The higher your credit rating the lower your premiums – A driver’s credit rating can be an important factor in determining your rates. Therefore, if your credit is not that good, you could be paying less to insure your Kia Forte by taking the time to improve your credit score. Drivers who have high credit scores tend to be more responsible and file fewer claims than drivers who have poor credit.
- Save money by having multiple policies – Lots of companies afford discounts to people who buy several policies from them in the form of a multi-policy discount. Even with this discount, it’s in your best interest to comparison shop to help ensure you have the lowest rates. Drivers may still find lower rates by splitting coverages up.
- Being married can save you money – Having a significant other actually saves money on auto insurance. It may mean you are more stable financially and statistics show married drivers get in fewer accidents.
- Coverage lapses raise auto insurance rates – Having an insurance coverage lapse can be a quick way to increase your rates. Not only will you pay more, getting caught without coverage can result in fines and jail time. You may need to prove you have insurance by filing a SR-22 with the Kentucky department of motor vehicles.
- Prices can change based on your address – Being located in a rural area has definite advantages when buying auto insurance. Fewer drivers on the road means less chance of accidents. City drivers have more traffic problems and a longer drive to work. Spending more time driving means higher likelihood of an accident.
- Vehicle options that cut auto insurance rates – Owning a car with an alarm system can save you some money. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent car theft and help bring rates down.
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Kia Forte claim data – Car insurance companies take into consideration historical loss data for every vehicle to help determine costs. Models that statistically have higher prevalence or dollar amount of losses will be charged more to insure. The information below illustrates the collected loss data for Kia Forte vehicles.
For each policy coverage type, the claim probability for all vehicles, regardless of manufacturer or model, is a value of 100. Values below 100 suggest a better than average loss history, while numbers above 100 indicate a higher chance of having a claim or an increased chance of larger losses than average.
Kia Forte Insurance Loss Statistics Vehicle 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Buying from car insurance agents
Many drivers just prefer to get professional advice from a licensed agent and that is OK! A good thing about getting free rate quotes online is you may find cheap car insurance quotes and still have a local agent. Supporting small agencies is definitely important in Louisville.
After filling out this short form, your insurance data is transmitted to local insurance agents who will give you bids for your car insurance coverage. You won’t even need to leave your computer as quotes are delivered immediately to your email address. You can get cheaper car insurance rates AND a local agent. If you wish to compare prices for a specific company, you would need to go to their quote page and fill out their quote form.
Finding the right company should include more criteria than just the premium amount. The following questions are important to ask.
- Are they involved in claim handling?
- How are they compensated?
- Does the quote include credit and driving reports?
- If your car is in the repair shop, do you have coverage for a rental car?
- Are you getting all the discounts the company offers?
Compare but don’t skimp
The cheapest Kia Forte insurance in Louisville can be found online and from local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers may not have the ability to get a quote online and usually these small insurance companies only sell coverage through local independent agencies.
As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. There are a lot of situations where an insured cut full coverage only to discover later that it was a big mistake. The ultimate goal is to purchase plenty of coverage for the lowest cost and still be able to protect your assets.
How to find low-cost rates for Kia Forte insurance in Louisville
The best way to find better pricing on Kia Forte insurance is to compare prices at least once a year from insurers in Louisville.
Step 1: Get a basic knowledge of how insurance companies determine prices and the measures you can take to prevent high rates. Many things that cause high rates such as at-fault accidents, careless driving, and a negative credit score can be improved by making small lifestyle or driving habit changes.
Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from one company like Progressive or State Farm, while independent agencies can provide rate quotes for many different companies.
Step 3: Compare the new rate quotes to your existing coverage to see if switching to a new carrier will save money. If you find a better price and make a switch, 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 agent or company of your intention to cancel your current policy and submit the signed application along with the required initial payment to the newly selected company. Once the paperwork is finalized, keep your new certificate of insurance in your vehicle’s glove compartment or console.
One tip to remember is to make sure you enter the same deductibles and limits on every price quote and and to get rate quotes from every insurance company. This guarantees an accurate price comparison and maximum price selection.
More detailed car insurance information can be read at these sites:
- Teen Driving and Texting (State Farm)
- Who Has Cheap Louisville Auto Insurance for Drivers with Bad Credit? (FAQ)
- Who Has Affordable Louisville Car Insurance Quotes for Police Officers? (FAQ)
- How Much are Car Insurance Rates for a Toyota Tacoma in Louisville? (FAQ)
- Child Safety FAQ (iihs.org)
- Auto Crash Statistics (Insurance Information Institute)