How to Compare Orlando Kia Forte Insurance

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Insurance rates Kia Forte in OrlandoThe most effective way to find cheaper Kia Forte insurance in Orlando is to annually compare prices from providers in Florida. You can compare prices by following these steps.

Step 1: Read and learn about what coverages are included in your policy and the measures you can control to drop your rates. Many risk factors that cause rate increases like traffic violations and a not-so-good credit score can be improved by making minor changes to your lifestyle.

Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from one company like GEICO or Allstate, while independent agencies can give you price quotes from many different companies. Get quotes now

Step 3: Compare the quotes to your existing coverage to see if you can save by switching companies. If you can save money and change companies, make sure there is no lapse between the expiration of your current policy and the new one.

One thing to remember is to try to use the same level of coverage on each price quote and and to look at all possible companies. This provides a fair rate comparison and a complete selection of prices.

A recent study showed that the vast majority of drivers kept their coverage with the same auto insurance company for at least the last four years, and 38% of drivers have never shopped around. Many consumers in Florida could save an average of 55% each year by just comparing quotes, but they don't want to spend time to compare rate quotes online.

Rates and detailed analysis

The rate information displayed below covers a range of coverage costs for Kia Forte models. Learning a little about how insurance policy rates are figured can help you make smart choices when buying a car insurance policy.

Kia Forte Insurance Rates in Orlando, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $204 $306 $400 $24 $120 $1,054 $88
Forte EX 4-Dr Sedan $204 $306 $400 $24 $120 $1,054 $88
Forte SX 4-Dr Sedan $230 $372 $400 $24 $120 $1,146 $96
Forte EX 2-Dr Coupe $230 $438 $452 $26 $136 $1,282 $107
Forte SX 2-Dr Coupe $230 $438 $452 $26 $136 $1,282 $107
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in specific location which can influence coverage rates greatly.

Should you raise deductibles?

When comparing car insurance rates, the most common question is how high should your deductibles be. The tables below may help you to understand the differences in price between high and low coverage deductibles. The first price estimate table uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

Kia Forte insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $358 $532 $418 $24 $124 $1,481 $123
Forte EX 4-Dr Sedan $358 $532 $418 $24 $124 $1,481 $123
Forte SX 4-Dr Sedan $406 $648 $418 $24 $124 $1,645 $137
Forte EX 2-Dr Coupe $406 $764 $472 $28 $142 $1,837 $153
Forte SX 2-Dr Coupe $406 $764 $472 $28 $142 $1,837 $153
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Kia Forte insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $262 $360 $418 $24 $124 $1,188 $99
Forte EX 4-Dr Sedan $262 $360 $418 $24 $124 $1,188 $99
Forte SX 4-Dr Sedan $296 $438 $418 $24 $124 $1,300 $108
Forte EX 2-Dr Coupe $296 $516 $472 $28 $142 $1,454 $121
Forte SX 2-Dr Coupe $296 $516 $472 $28 $142 $1,454 $121
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Prices do not factor in your specific Orlando location which can affect price quotes greatly.

Using the data above, we can ascertain that using a $100 deductible could cost the average driver approximately $28 more each month or $336 for a full year than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you average more than 14 months between claim filings, you would probably come out ahead if you elect the higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $100 deductibles: $138
Average monthly premium for $500 deductibles (subtract): - $110
Monthly savings from raising deductible: $28
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One important note is that a higher deductible means you will have to pay more out-of-pocket when you have a claim. That will require some available funds in order to pay the deductible.

The diagram below highlights how deductible selection and can change Kia Forte insurance costs for each age group. The premiums are based on a single male driver, full coverage, and no discounts are taken into consideration.

Irresponsible driving raises your rates

The information below shows how traffic citations and at-fault fender-benders drive up Kia Forte car insurance costs for different ages of insureds. The rates are based on a married male driver, full coverage, $500 deductibles, and no discounts are taken into consideration.

Full coverage rates compared to liability-only

The diagram below shows the difference between Kia Forte premium costs when comparing full coverage to state minimum liability only. The prices are based on a clean driving record, no at-fault accidents, $500 deductibles, drivers are single, and no policy discounts are applied.

Are you wasting money paying for full coverage?

There is no specific rule to delete physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the vehicle's replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let's assume your Kia Forte replacement cost is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $2,000 after paying your policy deductible. If premium cost is more than $200 annually for comprehensive and collision coverage, then it could be time to drop full coverage.

There are a few situations where buying only liability insurance is not advised. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Insurance rates and discounts

Companies that sell car insurance do not advertise all discounts in an easy-to-find place, so the following is a list of both the well known as well as some of the hidden ways to save on insurance.Insurance discounts

  • Defensive Driver - Taking part in a course teaching safe driver skills could earn you a small percentage discount and easily recoup the cost of the course.
  • Low Mileage Discounts - Keeping the miles down on your Kia could qualify for better rates on cars that stay parked.
  • Student in College - Any of your kids who live away from home at college without a vehicle on campus can receive lower rates.
  • Renewal Discounts - Some insurance companies reward drivers for renewing your policy early. It can save you around 10%.
  • Telematics Data Discounts - Insureds who allow driving data collection to spy on vehicle usage remotely such as State Farm's In-Drive could see a rate decrease if they are good drivers.

You should keep in mind that most discount credits are not given to your bottom line cost. Some only apply to specific coverage prices like collision or personal injury protection. Just because it seems like you can get free auto insurance, that's just not realistic.

The information below compares Kia Forte insurance costs with and without discounts being applied to the rates. The information is based on a male driver, no claims or driving violations, Florida 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 multi-car, homeowner, marriage, multi-policy, claim-free, and safe-driver discounts applied.

A few of the larger companies and a summarized list of policyholder discounts are:

  • Progressive may include discounts for multi-policy, online quote discount, good student, online signing, multi-vehicle, and continuous coverage.
  • Farmers Insurance has savings for bundle discounts, switch companies, electronic funds transfer, multi-car, homeowner, good student, and early shopping.
  • Farm Bureau offers discounts for safe driver, good student, youthful driver, multi-vehicle, multi-policy, and renewal discount.
  • State Farm may offer discounts for Drive Safe & Save, safe vehicle, good driver, multiple policy, and driver's education.
  • GEICO includes discounts for daytime running lights, anti-theft, federal employee, membership and employees, and seat belt use.
  • SAFECO may have discounts that include accident prevention training, multi-car, teen safe driver, drive less, bundle discounts, safe driver, and homeowner.
  • Liberty Mutual policyholders can earn discounts including hybrid vehicle, newly retired, new move discount, teen driver discount, new graduate, preferred payment discount, and newly married.

Before you buy a policy, ask every company which discounts can lower your rates. Some of the discounts discussed earlier might not be offered on policies in every state. If you would like to view providers who offer cheap Kia Forte insurance quotes in Florida, follow this link.

Learn about auto insurance coverages for a Kia Forte

Knowing the specifics of your auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are the usual coverages offered by auto insurance companies.

Liability coverages - This coverage can cover damage that occurs to people or other property in an accident. It protects YOU against claims from other people, and doesn't cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 10/20/10 which means a limit of $10,000 per injured person, a limit of $20,000 in injury protection per accident, and a limit of $10,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims like medical services, repair costs for stationary objects, loss of income, structural damage and emergency aid. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible. Florida state law requires minimum liability limits of 10/20/10 but you should think about purchasing more liability than the minimum.

The next chart demonstrates why buying the state minimum limits may not be enough.

Medical costs insurance - Medical payments and Personal Injury Protection insurance kick in for bills for ambulance fees, chiropractic care and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

UM/UIM Coverage - Your UM/UIM coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Covered losses include injuries to you and your family as well as your vehicle's damage.

Since a lot of drivers only purchase the least amount of liability that is required (which is 10/20/10), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are set the same as your liability limits.

Collision - This coverage pays for damage to your Forte from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as damaging your car on a curb, rolling your car, crashing into a building and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible on your Forte to get cheaper collision coverage.

Comprehensive or Other Than Collision - Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like vandalism, fire damage, falling objects, hitting a bird and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Don't give up on cheap premiums

Some companies may not offer rate quotes online and many times these small insurance companies work with independent insurance agencies. The cheapest Kia Forte insurance in Orlando can be bought both online as well as from insurance agents, and you need to price shop both so you have a total pricing picture.

You just learned some good ideas how you can compare Kia Forte insurance rates in Orlando. It's most important to understand that the more you quote Orlando car insurance, the more likely it is that you will get a better rate. You may even be surprised to find that the most savings is with a small local company. These companies often have lower car insurance rates on specific markets compared to the large companies like Progressive or GEICO.

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