Car Insurance Quotes for a Kia Forte in San Diego

Would you like to buy low-cost Kia Forte insurance in San Diego? Cutting costs on Kia Forte insurance in San Diego could be a challenge for drivers who are new to quoting coverage rates online. With such a large number of agents and online companies, it can be more work than you anticipated to compare prices on Kia Forte insurance.

Insurance rates Kia Forte in San DiegoUnbelievably, a large majority of insurance policyholders kept their policy with the same company for more than four years, and roughly 40% of drivers have never quoted rates to find cheap coverage. San Diego drivers could pocket almost $500 a year just by comparing rates, but they feel it’s too difficult to do a rate comparison.

You should take the time to get comparison quotes before your next renewal because insurance rates change quite often. Even if you got the best premium rates on Kia Forte insurance in San Diego on your last policy there is a good chance you can find better prices now. You’ll find a ton of advice on Forte insurance online, but we’re going to give you some tested techniques to lower your insurance premiums.

Auto insurance providers offering cheap prices in California

The auto insurance companies shown below have been selected to offer comparison quotes in California. If the list has multiple companies, it’s a good idea that you visit as many as you can in order to find the most competitive rates.

Kia Forte Insurance Cost Estimates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $328 $534 $574 $34 $172 $1,642 $137
Forte EX 4-Dr Sedan $294 $464 $500 $30 $150 $1,438 $120
Forte SX 4-Dr Sedan $204 $354 $500 $30 $150 $1,238 $103
Forte EX 2-Dr Coupe $300 $618 $650 $38 $194 $1,800 $150
Forte SX 2-Dr Coupe $420 $930 $604 $36 $180 $2,170 $181
Get Your Own Custom Quote Go

Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Premium amounts do not factor in specific location which can modify coverage rates substantially.

Impact of violations and accidents on rates

The information below highlights how speeding tickets and accident claims can raise Kia Forte insurance costs for different age categories. The information is based on a married male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.

Deductible comparison

The diagram below illustrates how your choice of deductibles and can affect Kia Forte insurance costs for each age group. The premium estimates are based on a married female driver, full physical damage coverage, and no discounts are applied.

Can higher deductibles save money?

One of the more difficult decisions when buying auto insurance is how high should the deductibles for physical damage be. The rates below may help you to understand the rate difference when you select higher and lower insurance deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.

Kia Forte insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $342 $472 $442 $26 $132 $1,439 $120
Forte EX 4-Dr Sedan $342 $472 $442 $26 $132 $1,439 $120
Forte SX 4-Dr Sedan $386 $576 $442 $26 $132 $1,587 $132
Forte EX 2-Dr Coupe $386 $678 $500 $30 $150 $1,769 $147
Forte SX 2-Dr Coupe $386 $678 $500 $30 $150 $1,769 $147
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Kia Forte insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $210 $298 $442 $26 $132 $1,108 $92
Forte EX 4-Dr Sedan $210 $298 $442 $26 $132 $1,108 $92
Forte SX 4-Dr Sedan $238 $362 $442 $26 $132 $1,200 $100
Forte EX 2-Dr Coupe $238 $426 $500 $30 $150 $1,344 $112
Forte SX 2-Dr Coupe $238 $426 $500 $30 $150 $1,344 $112
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Table data does not factor in your specific San Diego location which can influence auto insurance rates significantly.

Based on the figures above, using a $250 deductible would cost the average driver about $31 more each month or $372 a year than selecting the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 24 months between claim filings, you would come out ahead if you elect the higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $250 deductibles: $133
Average monthly premium for $1,000 deductibles (subtract): – $102
Monthly savings from raising deductible: $31
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

One important issue to know is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself when you have to file a claim. That will force you to have some extra savings in order to pay more to get your vehicle repaired.

These six discounts can reduce Kia Forte insurance rates

Car insurance is not cheap, but you might be missing out on some discounts to help bring down the price. Some discounts apply automatically at quote time, but lesser-known reductions have to be specifically requested before being credited.

Discounts save money, but please remember that some credits don’t apply to the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. Just because you may think you could get a free car insurance policy, car insurance companies aren’t that generous. Any amount of discount should help reduce your overall premium however.

If you would like to view car insurance companies that offer the discounts shown above in California, click here.

Compare rates but still have a local San Diego insurance agent

A lot of people prefer to talk to a local agent and that is a personal choice. A nice benefit of getting online price quotes is that you can obtain cheap auto insurance rates and still have a local agent.

San Diego insurance agentsTo find an agent, once you fill out this short form, your information is emailed to local insurance agents in San Diego who will gladly provide quotes for your coverage. You never need to do any legwork since price quotes are sent directly to you. You’ll get the best rates without having to waste a lot of time. If you need to get a price quote from a specific company, you would need to jump over to their website and complete a quote there.

Picking the best insurance company needs to be determined by more than just a cheap price. Get answers to these questions too.

The following are San Diego auto insurance companies that may be able to provide rate quotes for Kia Forte insurance in San Diego.

More San Diego agents

Car insurance coverage specifics

Understanding the coverages of your car insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Coverage for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses for ambulance fees, hospital visits, surgery and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Kia Forte.

Due to the fact that many California drivers only purchase the least amount of liability that is required (which is 15/30/5), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for collisions

Collision coverage will pay to fix damage to your Forte resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with another moving vehicle, sustaining damage from a pot hole and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible on your Forte to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, damage from a tornado or hurricane, fire damage and hitting a bird. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability auto insurance

Liability insurance will cover damage or injury you incur to people or other property in an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 15/30/5 that means you have a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and a total limit of $5,000 for damage to vehicles and property.

Liability can pay for claims such as attorney fees, structural damage, repair bills for other people’s vehicles, legal defense fees and court costs. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible. California state law requires minimum liability limits of 15/30/5 but you should think about purchasing better liability coverage.

Final considerations

People who switch companies do it for a number of reasons such as policy non-renewal, policy cancellation, an unsatisfactory settlement offer and delays in responding to claim requests. It doesn’t matter what your reason, finding a great new company can be pretty painless.

When you buy San Diego car insurance online, make sure you don’t buy poor coverage just to save money. In many cases, an accident victim reduced uninsured motorist or liability limits and learned later that the savings was not a smart move. The proper strategy is to find the BEST coverage for the lowest price, not the least amount of coverage.

In this article, we presented many tips how you can reduce Kia Forte insurance rates online in San Diego. It’s most important to understand that the more companies you get car insurance rates for, the better likelihood of getting the cheapest Kia Forte rate quotes. You may even discover the lowest priced auto insurance comes from the least-expected company.

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