Searching for affordable Cleveland Kia Forte insurance quotes can appear to be overwhelming for drivers that are not comfortable with quoting and buying insurance on the internet. Because there are so many online companies available, how can drivers be able to compare the different rates to find the lowest rates?
Unimaginable but true, a large majority of insurance policyholders have stayed with the same insurance company for at least four years, and practically 40% of insurance customers have never compared quotes from other companies. Consumers in Cleveland could save nearly 55% each year just by shopping around, but they just don’t understand the large savings they would see if they switched to a cheaper policy.
It is always a good idea to shop coverage around before your next renewal because insurance prices change quite often. Just because you had the lowest price on Kia Forte insurance in Cleveland at your last renewal you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because it’s time to teach you how to use online quotes to save on insurance.
Buying the cheapest insurance in Cleveland is actually not that difficult if you follow our advice. If you currently have a car insurance policy, you will most likely be able to save money using these techniques. Although Ohio car owners do need to learn how insurance companies sell insurance online.
Just keep in mind that comparing all the rates in your area will increase your chances of finding the best offered rates. Some regional insurers cannot provide rate quotes online, so it’s recommended that you also compare price estimates from the smaller companies as well.
The auto insurance companies shown below are ready to provide free quotes in Cleveland, OH. To locate cheap auto insurance in OH, we suggest you click on several of them in order to get a fair rate comparison.
Auto insurance statistics for a Kia Forte
The coverage information displayed next showcases a range of prices for Kia Forte models. Learning a little about how prices are established is important for drivers to make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $122 | $192 | $238 | $14 | $72 | $638 | $53 |
| Forte EX 4-Dr Sedan | $122 | $192 | $238 | $14 | $72 | $638 | $53 |
| Forte SX 4-Dr Sedan | $138 | $234 | $238 | $14 | $72 | $696 | $58 |
| Forte EX 2-Dr Coupe | $138 | $276 | $270 | $16 | $80 | $780 | $65 |
| Forte SX 2-Dr Coupe | $138 | $276 | $270 | $16 | $80 | $780 | $65 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Estimates do not factor in garaging location in Cleveland which can change premiums substantially.
Auto insurance deductibles
The hardest decision when buying coverage is at what level do you set your deductibles. The following insurance rates can help illustrate the premium difference when you choose different policy deductibles. The first rate table uses a $100 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $196 | $290 | $226 | $14 | $68 | $819 | $68 |
| Forte EX 4-Dr Sedan | $196 | $290 | $226 | $14 | $68 | $819 | $68 |
| Forte SX 4-Dr Sedan | $220 | $352 | $226 | $14 | $68 | $905 | $75 |
| Forte EX 2-Dr Coupe | $220 | $416 | $256 | $16 | $76 | $1,009 | $84 |
| Forte SX 2-Dr Coupe | $220 | $416 | $256 | $16 | $76 | $1,009 | $84 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $108 | $152 | $226 | $14 | $68 | $568 | $47 |
| Forte EX 4-Dr Sedan | $108 | $152 | $226 | $14 | $68 | $568 | $47 |
| Forte SX 4-Dr Sedan | $122 | $186 | $226 | $14 | $68 | $616 | $51 |
| Forte EX 2-Dr Coupe | $122 | $220 | $256 | $16 | $76 | $690 | $58 |
| Forte SX 2-Dr Coupe | $122 | $220 | $256 | $16 | $76 | $690 | $58 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium costs do not factor in vehicle garaging location which can raise or lower coverage rates considerably.
Based on these figures, using a $100 deductible will cost in the ballpark of $24 more each month or $288 annually than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 38 months between claim filings, you would save money if you decide on a higher deductible.
Accidents and violations increase rates
The chart below shows how traffic citations and at-fault fender-benders can affect Kia Forte car insurance rates for different age groups of insureds. The costs are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.
Age, gender, and Kia Forte insurance
The chart below illustrates the comparison of Kia Forte insurance prices for male and female drivers. The rate quotes are based on no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, single status, and no discounts are factored in.
Insuring your Kia Forte just makes sense
Even though it’s not necessarily cheap to insure a Kia in Cleveland, maintaining insurance may be required and benefits you in several ways.
First, almost all states have mandatory insurance requirements which means state laws require specific minimum amounts of liability coverage in order to drive the car legally. 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 you have a loan on your vehicle, most banks will make it a condition of the loan that you have insurance to protect their interest in the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Kia for a much higher rate and force you to pay for the much more expensive policy.
Third, car insurance protects both your Kia Forte and your assets. It will also reimburse you for medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance will also pay attorney fees in the event you are sued. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of having insurance more than cancel out the cost, particularly when you have a large claim. Today the average American driver is currently overpaying as much as $750 every year so we recommend shopping around every year to make sure the price is not too high.
Kia Forte Insurance Premium Factors
Many different elements are used in the calculation when you get a price on insurance. Some factors are common sense such as traffic violations, but some are more obscure such as whether you are married or your vehicle rating. An important part of buying insurance is that you know the rating factors that help calculate the level of your policy premiums. If you understand what impacts premium levels, this helps enable you to make changes that may reward you with lower car insurance prices.
- Single drivers take more risk – Having a significant other actually saves money on your policy. Having a spouse means you’re more mature and responsible and statistics show married couples file fewer claims.
- Vehicle theft costs us all – Owning a car that has a built-in theft deterrent system can save you a little every year. Advanced theft deterrents such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft and help bring rates down.
- Low deductibles can be expensive – Deductibles for physical damage state the amount of money you are willing to pay if a claim is determined to be covered. Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply are collision with another vehicle, damage from fire, or theft of your vehicle. The more the insured is willing to pay, the less money you will pay for car insurance.
- Consolidating policies can get discounts – Some insurance companies afford discounts for people who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to comparison shop to help guarantee you have the best rates.
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Kia Forte insurance loss statistics – Insurance companies analyze past claim statistics to help calculate premium rates. Vehicles that have higher frequency or amount of claims will cost more for specific coverages.
The table below illustrates the historical loss data for Kia Forte vehicles. For each coverage category, the statistical loss for all vehicles, without regard to make or model, is equal to 100. Values below 100 suggest a positive loss record, while numbers shown that are more than 100 point to more claims or tendency to have larger claims.
Kia Forte Insurance Loss Statistics Make and 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
Discount Cleveland auto insurance rates
Some companies don’t always publicize their entire list of discounts in an easy-to-find place, so the list below details a few of the more common as well as some of the hidden auto insurance savings. If you do not double check each discount you qualify for, you could be getting lower rates.
- Save with a New Car – Adding a new car to your policy can save up to 30% since new vehicles have better safety ratings.
- Discounts for Responsible Drivers – Insureds without accidents could pay up to 40% less as compared to drivers with claims.
- First Accident Forgiveness – Not necessarily a discount, but companies like Liberty Mutual, Allstate and State Farm permit an accident before your rates go up with the catch being you have to be claim-free for a particular time prior to the accident.
- Telematics Discount – Insureds who allow data collection to monitor driving patterns by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates as long as they are good drivers.
- Early Payment Discounts – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
- Driver’s Ed – Have your child successfully complete driver’s ed class in school.
- Anti-theft Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems can help prevent theft and can earn a small discount on your policy.
- Clubs and Organizations – Having an affiliation with a civic or occupational organization in Cleveland could qualify you for a break on your bill.
- Homeowners Savings – Simply owning a home can save you money since owning and maintaining a home requires a higher level of personal finance.
- Passive Restraints and Air Bags – Factory options such as air bags and/or automatic seat belt systems may earn rate discounts of 25 to 30%.
Discounts save money, but please remember that some of the credits will not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though you would think adding up those discounts means a free policy, auto insurance companies aren’t that generous.
The diagram below illustrates the comparison of Kia Forte insurance costs with and without discounts being applied to the rates. The price estimates are based on a male driver, no claims or driving citations, Ohio state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-car, marriage, homeowner, and multi-policy discounts applied.
To see providers that offer many of these discounts in Ohio, follow this link.
Auto insurance agents near you
Many people prefer to buy from a licensed agent and that can be a smart move One of the benefits of getting free rate quotes online is that you can find cheap car insurance rates and still choose a local agent.
After completing this form (opens in new window), the quote information is instantly submitted to agents in your area who will return price quotes for your coverage. There is no need to contact any insurance agencies as quotes are delivered to your email. You can find lower rates and a licensed agent to work with. If you wish to compare prices from one company in particular, you just need to visit that company’s website and give them your coverage information.
Choosing an insurance company requires you to look at more than just the premium amount. Here are some questions you should ask.
- How many years of experience in personal auto insurance do they have?
- How are they compensated?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Are you getting all the discounts the company offers?
- Is the agency involved in supporting local community causes?
After receiving positive feedback and an affordable coverage quote, most likely you have located an provider that meets the criteria to insure your vehicles.
More effort can pay off
Cheaper Kia Forte insurance in Cleveland is available both online as well as from insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers may not provide online quoting and these small insurance companies prefer to sell through independent insurance agencies.
Consumers who switch companies do it for any number of reasons including an unsatisfactory settlement offer, high prices, unfair underwriting practices and extreme rates for teen drivers. Whatever your reason, switching companies is actually quite simple.
We just covered many ways to get a better price on Kia Forte insurance in Cleveland. The key thing to remember is the more you quote Cleveland car insurance, the better likelihood of getting cheaper Cleveland car insurance quotes. You may even discover the best rates are with an unexpected company.
How to buy lower priced Kia Forte insurance in Cleveland
The preferred way to find cheaper quotes for Kia Forte insurance in Cleveland is to compare prices once a year from providers that insure vehicles in Ohio. You can compare prices by following these steps.
Step 1: Learn about what coverages are included in your policy and the changes you can make to keep rates low. Many things that increase rates such as traffic violations and a substandard credit history can be controlled by making minor driving habit or lifestyle changes.
Step 2: Request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO or Allstate, while independent agents can quote rates from multiple companies.
Step 3: Compare the quotes to your existing coverage to see if a cheaper rate is available in Cleveland. If you find a lower rate and decide to switch, ensure there is no coverage lapse between policies.
The most important part of shopping around is that you use the same level of coverage on each price quote and and to get prices from as many carriers as you can. This ensures an apples-to-apples comparison and the best price quote selection.
Much more information about car insurance in Ohio is available at the links below