Three Steps to Paying Less for Kia Forte Insurance
If buying car insurance was fun, we'd do it as a recreational sport. But more than likely, it's challenging for most people and we always end up paying more than we want. Finding insurance for your Kia Forte that you can actually afford is probably no different.
Step One: Insurance Quotes
If it's been a few years since you shopped for car insurance, you might still think the only way to buy is from a local agent. Life has gotten easier!
Comparing insurance rates for a Kia Forte only require you to enter your information once. You'll receive multiple quotes and can easily compare rates.
To begin, click on the link below and complete the short form. It only takes a few minutes and it's helpful to have your current policy handy if you have one.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your Forte is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: How to Cut Costs on Forte Insurance
Once you have quotes in hand, you can then consider some of the other techniques for lowering your Forte insurance rates.
- Do you keep your credit rating in good shape? If you do, you will get a better rate than if you let your credit score slide. Check your credit score regularly to make sure there are few blemishes on your record.
- If you think the only financial impact of a speeding ticket is a fine and court costs, think again. Insurance companies will raise your rates for up to three years for a single ticket.
- Homeowners often see a break on their car insurance rates because there is a correlation between owning a home and being a responsible driver.
- If your insurance company allows driver-specific car rating, you can save money by rating any teenage drivers on low profile vehicles with either no physical damage coverage or very high deductibles.
- If switching companies, always have the effective date of the new policy be identical to the expiration date on the old policy. This prevents a lapse in coverage and companies charge higher rates if you have any lapses.
- Try to maintain a claim-free discount on your car insurance policy. Obviously you can't prevent large claims, but if they are smaller and you can afford to pay them out-of-pocket, do so.
- If your city or county offers a driver's safety course, find out if your insurance company will give you a discount to complete it. It could save you up to 10%.
- Equipping your Kia with available safety features such as air bags and passive restraints allows you to take advantage of additional discounts.
- If you belong to a professional organization for your employment, you may qualify for a discount rate. And if you're a senior citizen, you may get a discount for your age as well.
- Thieves tend to steal certain makes and models of vehicles more than others, and if your car is on that list, expect to pay higher insurance rates because of it.
- A deductible is the amount you pay before your company pays a comprehensive or collision claim. If you increase your deductibles, you will pay less for these coverages.
Step Three: Bind Coverage and Cancel your Old Policy
You've compared rates and hopefully looked over the coverages for each vehicle on your policy to make sure they're adequate. Now you can make the big decision on which company will best fulfill your needs.
If you didn't have a prior policy, then you can make the new policy effective any time. But if you're moving bewteen companies and don't want a lapse in coverage, make sure the effective date of the new policy is exactly the same as the cancellation date of the old policy.
When buying a new vehicle, coverage will extend from your existing policy. But if you don't have a car insurance policy, you will want to make sure you have coverage BEFORE you drive off the lot. If your current policy has any vehicle with full coverage (comprehensive and collision), then your new Forte will have that coverage extended to it. If you only have liability coverage on your policy, then you have no physical damage coverage on your new purchase.
All states require you to keep the proof-of-insurance or financial responsibility card in your vehicle at all times. Failure to produce this document can result in a citation. If an SR-22 is required due to a reckless driving conviction, DUI or conviction of driving without insurance, make sure your new company is aware of that. Not filing a court-ordered SR-22 can result in suspension of your driver's license.
Additional Insurance Information
The Insurance Information Institute is the industry authority for consumer car insurance information.