Best Quotes for Kia Forte Insurance in Toledo

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Anyone knows that car insurance companies want to keep you from comparing rates. Insureds who shop around annually are highly likely to switch to a new company because they stand a good chance of finding lower rate quotes. A survey found that consumers who make a habit of shopping around saved approximately $850 each year compared to drivers who never compared rates.

If finding the lowest price on car insurance is why you're here, then having an understanding of how to get rate quotes and compare insurance rates can make shopping around easier.

Insurance rates Kia Forte in ToledoThe recommended way to quote cheaper auto insurance rates in Toledo is to compare quotes annually from insurance carriers in Ohio. Price quotes can be compared by following these guidelines.

  1. Spend a few minutes and learn about how companies price auto insurance and the things you can change to lower rates. Many rating factors that result in higher prices such as high-risk driving behaviors and a poor credit rating can be amended by making minor changes to your lifestyle.
  2. Compare prices from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only quote rates from one company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes for a wide range of insurance providers.
  3. Compare the new quotes to your existing coverage to determine if switching companies saves money. If you can save money, make sure coverage does not lapse between policies.

The key thing to remember is to use identical coverage information on every quote and and to get rates from as many companies as you can. This helps ensure a level playing field and many rates to choose from.

If you already have coverage or just want to save money, you can use these techniques to save money and still have adequate protection. The goal of this article is to teach you the best way to quote coverages and some tips to save money. Comparison shoppers only need to know the most effective way to compare rate quotes online from multiple companies.

The best way to compare policy rates for Kia Forte insurance in Toledo is to realize almost all companies actually pay money for the chance to give rate comparisons. To begin a comparison, all you need to do is spend a couple of minutes providing details like what your job is, whether the vehicles are used for commuting, daily mileage, and how much coverage you want. Those rating factors gets transmitted to multiple companies and you get price estimates immediately.

To find the cheapest Kia Forte insurance rates, click here then complete the form.

The providers in the list below are our best choices to provide free rate quotes in Ohio. To find cheaper auto insurance in Toledo, OH, we recommend you get price quotes from several of them in order to find the most competitive rates.

Three reasons auto insurance is important

Despite the high cost, paying for auto insurance is required by state law in Ohio and it also provides benefits you may not be aware of.

First, most states have minimum liability requirements which means the state requires specific limits of liability insurance if you drive a vehicle. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your vehicle has a lienholder, more than likely the lender will require that you buy full coverage to guarantee loan repayment. If coverage lapses or is canceled, the lender may insure your Kia at a more expensive rate and force you to pay a much higher amount than you were paying before.

Third, insurance safeguards not only your Kia but also your assets. It also can pay for all forms of medical expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, also covers legal expenses in the event you are sued. If damage is caused by hail or an accident, your auto insurance policy will cover the damage repairs after a deductible is paid.

The benefits of carrying enough insurance definitely exceed the price paid, particularly for liability claims. An average driver in America is overpaying over $830 a year so smart consumers compare quotes at least once a year to make sure the price is not too high.

Kia Forte insurance rate analysis

The table displayed below highlights a range of insurance premium costs for Kia Forte models. Being able to understand how policy premiums are figured can help drivers make smart choices when choosing a car insurance company.

Kia Forte Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $112 $166 $218 $12 $66 $574 $48
Forte EX 4-Dr Sedan $112 $166 $218 $12 $66 $574 $48
Forte SX 4-Dr Sedan $126 $202 $218 $12 $66 $624 $52
Forte EX 2-Dr Coupe $126 $238 $246 $14 $74 $698 $58
Forte SX 2-Dr Coupe $126 $238 $246 $14 $74 $698 $58
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Price information does not factor in specific Toledo garaging location which can decrease or increase price quotes noticeably.

Comparison of policy deductibles

One of the hardest decisions when shopping for auto insurance is which deductible level should you buy. The rates shown below may aid in understanding the price difference when you buy lower versus higher policy deductibles. The first rate table uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Kia Forte insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $176 $242 $226 $14 $68 $751 $63
Forte EX 4-Dr Sedan $176 $242 $226 $14 $68 $751 $63
Forte SX 4-Dr Sedan $198 $296 $226 $14 $68 $827 $69
Forte EX 2-Dr Coupe $198 $348 $256 $16 $76 $919 $77
Forte SX 2-Dr Coupe $198 $348 $256 $16 $76 $919 $77
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Kia Forte insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $142 $196 $226 $14 $68 $646 $54
Forte EX 4-Dr Sedan $142 $196 $226 $14 $68 $646 $54
Forte SX 4-Dr Sedan $160 $238 $226 $14 $68 $706 $59
Forte EX 2-Dr Coupe $160 $280 $256 $16 $76 $788 $66
Forte SX 2-Dr Coupe $160 $280 $256 $16 $76 $788 $66
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Premium amounts do not factor in zip code location which can impact coverage rates noticeably.

Based on the data above, we can derive that using a $250 deductible costs roughly $10 more each month or $120 a year than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 25 months between claims, you would save more money going with the higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $250 deductibles: $70
Average monthly premium for $500 deductibles (subtract): - $60
Monthly savings from raising deductible: $10
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $10
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

One important caveat is that increasing deductibles to save money means you will have to pay more when you have a comprehensive or collision claim. You must have access to more funds in the event you have to pay the deductible.

Auto insurance prices based on gender

The chart below shows the comparison of Kia Forte auto insurance costs for male and female drivers. The data assumes no violations or accidents, comp and collision included, $500 deductibles, marital status is single, and no additional discounts are factored in.

Insurance discounts help lower rates for Kia Forte insurance in Toledo

Some providers don't list every policy discount in an easy-to-find place, so we researched both well-publicized and also the more inconspicuous discounts you could be receiving when you buy Toledo auto insurance online.Insurance discounts

  • Claim-Free Discount - Insureds who avoid accidents and claims are rewarded with significantly better rates on Toledo auto insurance quote compared to accident-prone drivers.
  • Multi-line Discount - Companies who offer life insurance give better prices if you take out a life policy as well.
  • Distant College Student Discount - Kids who are enrolled in a college that is more than 100 miles from Toledo and don't have a car could get you a discount.
  • Online Discount - Some of the larger companies will discount your bill up to fifty bucks simply for signing digitally online.
  • Multi-policy Discount - If you combine your home and auto policies with the same insurance company you could get a discount of up to 20% and get you low cost Kia Forte insurance.
  • Federal Employees - Active or retired federal employment can save as much as 8% depending on your company.
  • Smart Student Discounts - Being a good student can save 20 to 25%. This discount can apply until age 25.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Most only reduce the cost of specific coverages such as medical payments or collision. Just because it seems like all those discounts means the company will pay you, you won't be that lucky.

The diagram below illustrates the comparison of Kia Forte annual premium costs with and without discounts applied to the rates. The price estimates are based on a male driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, claim-free, homeowner, and marriage discounts applied.

To locate insurance companies who offer free Kia Forte insurance quotes in Toledo, follow this link.

When in doubt talk to an agent

When buying coverage for your personal vehicles, there is no cookie cutter policy. Your needs are unique to you.Insurance savings

Here are some questions about coverages that might point out if your insurance needs would benefit from professional advice.

  • Am I covered when pulling a rental trailer?
  • Am I covered when driving someone else's vehicle?
  • When would I need additional glass coverage?
  • Can my babysitter drive my car?
  • Which companies are cheaper for teen drivers?
  • Is pet coverage available?
  • What happens if I owe more than my Kia Forte is worth?

If you can't answer these questions but a few of them apply then you might want to talk to a licensed agent. If you don't have a local agent, simply complete this short form. It's fast, free and you can get the answers you need.

Toledo auto insurance companies

Picking the highest-rated company can be difficult considering how many companies are available to choose from in Toledo. The ranking data in the next section may help you decide which companies you want to consider buying from.

Top 10 Toledo Car Insurance Companies Overall

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

Top 10 Toledo Car Insurance Companies by A.M. Best Rank

  1. USAA - A++
  2. GEICO - A++
  3. Travelers - A++
  4. State Farm - A++
  5. Allstate - A+
  6. Progressive - A+
  7. Erie Insurance - A+
  8. The Hartford - A+
  9. Nationwide - A+
  10. Esurance - A+