Kia Forte insurance cost image courtesy of QuoteInspector.com
Buying competitive auto insurance for a Kia Forte relies on many different factors such as whether you are a homeower, the performance level of your vehicle, and if you have a history of accidents. Drivers pay around $518 annually to insure their Forte, but that cost is a projection using a 50-year-old married female driver with both comprehensive and collision coverage and $500 deductibles.
But there is a high likelihood that you may not be 50 years old (or even female), you might be single instead of married, and maybe your Forte is older and does not require full coverage. Just a minor difference in the factors used in pricing a policy can result in a big discrepancy in the cost of a policy.
Insurance is an individual thing, so the only real way to find cheap car insurance rates for your Kia is to do a thorough rate comparison.
Your vehicle's trim level tends to impact the annual cost of coverage, so the rate you will pay to insure a Forte LX 4-Dr Sedan trim level will be $124 less than the cost to insure the higher-priced Forte SX 2-Dr Coupe version, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Forte LX 4-Dr Sedan||$110||$162||$214||$12||$64||$562||$47|
|Forte EX 4-Dr Sedan||$110||$162||$214||$12||$64||$562||$47|
|Forte SX 4-Dr Sedan||$124||$198||$214||$12||$64||$612||$51|
|Forte EX 2-Dr Coupe||$124||$234||$242||$14||$72||$686||$57|
|Forte SX 2-Dr Coupe||$124||$234||$242||$14||$72||$686||$57|
|Get Your Own Custom Quote Go|
Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Information does not factor in Toledo location which can decrease or increase auto insurance rates substantially.
Best auto insurance in Toledo
Finding the top auto insurance company can be rather challenging considering how many different companies insure vehicles in Ohio. The ranking information in the lists below could help you analyze which auto insurers you want to consider when shopping insurance around for a Kia Forte. These ratings are only comprised of the largest companies in the United States, so companies that focus mainly on Ohio business are not taken into consideration for the list.
Top 10 Large Auto Insurers in Toledo Ranked by A.M. Best Rating
- USAA - A++
- GEICO - A++
- Travelers - A++
- State Farm - A++
- Allstate - A+
- Progressive - A+
- Erie Insurance - A+
- The Hartford - A+
- Nationwide - A+
- Esurance - A+
Top 10 Large Auto Insurers in Toledo Ranked by Value
- AAA Insurance
- Erie Insurance
- State Farm
- Liberty Mutual
- Safeco Insurance
- 21st Century
Types of discounts on Toledo auto insurance
Auto insurance companies that sell policies for a Kia Forte may provide price discounts that could lower prices by as much as 25% or more if you are eligible. A few popular companies and their possible discounts can be found below.
- Farm Bureau offers discounts for youthful driver, multi-vehicle, good student, driver training, and safe driver.
- Liberty Mutual discounts include newly married, hybrid vehicle, good student, newly retired, preferred payment discount, new graduate, and multi-policy.
- State Farm has discounts for student away at school, defensive driving training, accident-free, Drive Safe & Save, multiple autos, safe vehicle, and driver's education.
- Auto-Owners Insurance policyholders can earn discounts including air bags, teen driver, multiple vehicles, mature driver, company car, student away at school, and group or association.
- GEICO may offer discounts for defensive driver, good student, multi-vehicle, military active duty, and anti-theft.
- SAFECO offers discounts including multi-car, anti-lock brakes, teen safety rewards, teen safe driver, drive less, and homeowner.
The example below visualizes the comparison of annual premium costs with and without discounts being applied to the rates. Data assumes a female driver, no violations or accidents, Ohio state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with accident-free, multiple vehicle, anti-theft, marriage, claim-free, and vehicle safety discounts applied. When taking advantage of discounts, theaverage yearly reduction on auto insurance for a Kia Forte is 28% or $343.
The information below shows how choosing a deductible can raise or lower yearly insurance costs when researching cheap insurance for a Kia Forte. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no discounts are applied.
The data above shows that a 50-year-old driver could cut expenses by $162 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $246 by changing to a $1,000 deductible. Younger drivers, such as the 20-year-old example, could potentially save up to $400 or more by using higher deductibles when buying full coverage. When insureds make the decision to increase the deductibles on their policy, it is essential to have enough in a savings account to allow you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
How to find cheaper auto insurance for a Kia Forte
The list below details some thrifty ideas that can help Ohio drivers quote lower-cost auto insurance.
- Improve your credit rating
- Do not get traffic violations
- Increase the comprehensive and collision deductibles on your policy
- Avoid preventable accidents
- Save money by only buying liability coverage for older vehicles
- Vehicles with good safety ratings are usually cheaper to insure
- Compare rates once a year for cheaper prices
The last tip in the list is extremely vital, as we noted in the article above. Insurance rates can be adjusted at any time, so don't be unwilling to switch carriers if you find a better deal.
Many drivers tend to have loyalty to a certain company, but it isn't a good idea if that inflexibility results in costing you hundreds of dollars a year. In less than five minutes you could compare rates and find cheaper insurance for a Kia Forte in Toledo.
The Toledo, OH, insurance agents below are willing to help you make a decision which coverages you need, since some drivers have questions and prefer to have a little guidance when shopping for the best coverage for a Forte. It can be difficult to find the best coverage on your own, and a professional agent can give you peace of mind knowing you have suitable coverage if you have an accident. To locate a Toledo insurance agent close to you, click the button after the list or click here to compare price quotes.
- Allstate Insurance: Tim Wyrostek
2008 N Holland Sylvania Rd - Toledo, OH 43615 - (419) 536-5100
- D and R Insurance Inc
240 S Reynolds Rd - Toledo, OH 43615 - (419) 535-5600
- Henry Geha - State Farm Insurance Agent
4750 Monroe Street - Toledo, OH 43623 - (419) 472-1399