Finding competitive insurance for a Kia Forte is normally pretty easy, but it is dependent upon many different factors such as how safe your vehicle is, the size of your vehicle, and violations on your driving record. Drivers in Indiana will pay on average $843 annually for Forte insurance, but that is an approximation calculated using a 50-year-old single female driver with both comprehensive and collision coverage and $250 deductibles.
Odds are that you aren't exactly 50 years old or even a female, maybe you are married instead of single, or maybe you're a renter instead of a homeowner. Even a slight change in the factors used in pricing a policy can result in a massive change in the policy rate.
There is no one cookie-cutter policy that works for everyone, so the only real way to find cheap car insurance rates for your Kia is to do a thorough rate comparison. Comparing quotes is easy and you can get rates from top-rated car insurance companies around.
The specific trim level tends to have a direct impact on the insurance rate, so the price you pay to insure a Forte LX 4-Dr Sedan model will be $210 less than the price to insure the more costly Forte SX 2-Dr Coupe version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Forte LX 4-Dr Sedan||$186||$294||$318||$18||$94||$910||$76|
|Forte EX 4-Dr Sedan||$186||$294||$318||$18||$94||$910||$76|
|Forte SX 4-Dr Sedan||$210||$358||$318||$18||$94||$998||$83|
|Forte EX 2-Dr Coupe||$210||$422||$358||$22||$108||$1,120||$93|
|Forte SX 2-Dr Coupe||$210||$422||$358||$22||$108||$1,120||$93|
|Get Your Own Custom Quote Go|
Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rate information does not factor in zip code location which can decrease or increase prices significantly.
Comparing quotes for low-priced car insurance is not the easiest thing to accomplish, and finding out which company has the cheapest auto insurance rates for a Kia Forte in Indiana calls for a little more work. Each company uses a different method to determine rates, so let's begin by taking a look at the auto insurance companies with the most affordable rates in Indiana.
It's a good idea to be aware that Indiana auto insurance rates are determined by lots of factors which can significantly increase or decrease the price you pay. Taking a driver safety course, marrying your spouse, or having an accident can cause premium changes resulting in some rates now being more affordable than competitors.
Find the Cheapest Auto Insurance for Your Forte
|Rank||Company||Cost Per Year|
|5||Indiana Farmers Mutual||$841|
|Compare Rates Now Go|
Travelers quotes some of the most affordable car insurance rates in Indiana at around $602 a year. This is $638 less than the average price paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and Indiana Farmers Mutual are also some of the lowest-priced Indiana insurance companies.
As the example above demonstrates, if you are insured with Cincinnati Insurance and switched to Travelers, you may realize a yearly savings of approximately $56. Policyholders with USAA might save as much as $59 a year, and Erie policyholders might lower prices by $110 a year.
Be aware that those estimates are averages for all types of drivers and the different vehicles they drive and do not factor in a specific rating modification for a Kia Forte. So the company that is most affordable for your situation may not even be in the list above. That point stresses why you need to get auto insurance quotes using your own specific driver information and vehicle.
The chart below illustrates how your choice of deductibles can affect insurance premiums when researching cheap insurance for a Kia Forte in Indiana. The data assumes a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
In the chart above, a 40-year-old driver could lower their policy premium by $240 a year by switching from a $100 deductible up to a $500 deductible, or save $366 by selecting a $1,000 deductible. Young drivers, like the age 20 example, can cut as much as $780 annually by choosing a larger deductible amount. If you do make the decision to raise your deductibles, it is essential to have emergency funds available to be able to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Get discount Indiana insurance rates
Car insurance companies that offer cheap quotes for a Kia Forte may provide rate discounts that can reduce rates by as much as 35% or more if you meet specific criteria. Large auto insurance companies and their offered discounts are detailed below.
- Progressive may offer discounts for online quote discount, homeowner, good student, continuous coverage, and multi-policy.
- Farmers Insurance has savings for distant student, switch companies, mature driver, alternative fuel, multi-car, and electronic funds transfer.
- Farm Bureau offers discounts including driver training, 55 and retired, multi-policy, renewal discount, good student, and multi-vehicle.
- State Farm offers premium reductions for student away at school, multiple policy, anti-theft, passive restraint, Drive Safe & Save, and defensive driving training.
- GEICO discounts include anti-lock brakes, air bags, defensive driver, multi-policy, and good student.
- SAFECO may have discounts that include drive less, teen safe driver, accident prevention training, teen safety rewards, and multi-car.
- Liberty Mutual may include discounts for teen driver discount, preferred payment discount, good student, new move discount, newly married, safety features, and exclusive group savings.
The chart below shows the difference between auto insurance costs with and without discounts applied to the policy rates. The premiums are based on a male driver, a clean driving record, no at-fault accidents, Indiana state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with accident-free, multiple policy, safe-driver, passive restraint, claim-free, and marriage discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on auto insurance for a Kia Forte is 28% or $446.
Why you should be shopping around
Indiana auto insurance rates are calculated based on many things which can significantly increase or decrease the cost of a policy. Improving your credit score, filing a claim, or getting a driving violation may generate price changes that can now make some companies cheaper than others. Not only may your risk profile change, but car insurance companies modify rates as needed to help ensure profitability. Higher than normal claims can cause rate increases, while a profitable period may cause cheaper Forte insurance rates.
To illustrate this example, the graph below shows which company has the cheapest car insurance in Indiana for a 40-year-old male driver with no violations or accidents, and excellent credit. Based on his current rating profile, Travelers might quote the best car insurance rates in Indiana at $614 per year. This is $626 less than the average premium paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and Indiana Farmers Mutual also make the list of the top five cheapest Indiana auto insurance companies.
In the next rate comparison, we'll give the driver from the first set of rates a chargeable accident, bad credit, and a blemish on his driving record. Since each auto insurer uses their own formula for setting rates, comparing quotes may now result in a significantly different list of the cheapest Indiana car insurance companies as shown below.
The Hartford now has the cheapest insurance rate in Indiana with Auto-Owners, Cincinnati Insurance, Nationwide, and Utica National also having competitive pricing. This example demonstrates why Indiana drivers need to take the time to shop around when trying to find affordable auto insurance rates for a Kia Forte.
Auto insurance prices can be altered by many factors and change substantially, so the best price when you bought your policy may now be costing you a lot of money.
Ideas to find economical car insurance for a Kia Forte
The list below details some of the recommended thrifty suggestions that can help drivers locate more affordable coverage.
- Avoid filing small claims
- Avoid getting tickets or violations
- Remain accident-free and save
- Save money by insuring older vehicles for liability only
- Raise your deductibles
- Compare rates and switch if you can find a better deal
That last tip is remarkably vital, as was emphasized in the article above. Prices charged by auto insurers can be modified anytime, so don't be unwilling to switch companies if you find a better deal. Many drivers prefer to stick with one company, but is isn't recommended if it's costing you thousands of dollars over several years. Take a few minutes and compare prices to find cheaper car insurance for a Kia Forte.