Kia Forte Insurance Rate Quotes in Tampa

Insurance rates Kia Forte in TampaTired of scraping nickels together to make your auto insurance payment? You are in the same boat as many other Florida drivers.

Smart shoppers know that auto insurance companies want to keep you from shopping around. Drivers who shop around for cheaper prices will presumably switch auto insurance companies because they stand a good chance of finding a cheaper policy. A recent auto insurance study discovered that people who compared price quotes annually saved approximately $865 a year compared to other drivers who never compared rates.

If finding budget-friendly rates on car insurance is the reason you’re reading this, then having an understanding of how to find companies and compare insurance premiums can help simplify the task of finding more affordable coverage.

How to find better rates for Kia Forte insurance in Tampa

If saving the most money is your goal, then the best way to find cheaper prices for Kia Forte insurance in Tampa is to start comparing prices yearly from providers who sell auto insurance in Florida. Price quotes can be compared by following these steps.

A good tip to remember is to make sure you enter the same amount of coverage on each quote and and to get rates from as many different insurance providers as possible. This enables an accurate price comparison and the best price selection.

You have so many car insurance companies to pick from, and although it’s a good thing to have multiple companies, more choices can make it harder to compare rates for Kia Forte insurance in Tampa.

Insurance statistics for a Kia Forte

The information shown below highlights estimates of insurance costs for Kia Forte models. Learning as much as possible about how auto insurance prices are figured can help guide drivers when making informed decisions when shopping around for a new policy.

Kia Forte Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $226 $370 $472 $28 $142 $1,238 $103
Forte EX 4-Dr Sedan $226 $370 $472 $28 $142 $1,238 $103
Forte SX 4-Dr Sedan $254 $452 $472 $28 $142 $1,348 $112
Forte EX 2-Dr Coupe $254 $532 $532 $32 $160 $1,510 $126
Forte SX 2-Dr Coupe $254 $532 $532 $32 $160 $1,510 $126
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Price information does not factor in vehicle location which can modify premium rates greatly.

Should you raise deductibles?

When buying insurance, a common question is the level to set your comp and collision deductibles. The premium rates below can help you visualize how much more rates are when you choose different physical damage coverage deductibles. The first set of prices uses a $250 physical damage deductible and the second price chart uses a $500 deductible.

Kia Forte insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $322 $446 $418 $24 $124 $1,359 $113
Forte EX 4-Dr Sedan $322 $446 $418 $24 $124 $1,359 $113
Forte SX 4-Dr Sedan $364 $544 $418 $24 $124 $1,499 $125
Forte EX 2-Dr Coupe $364 $640 $472 $28 $142 $1,671 $139
Forte SX 2-Dr Coupe $364 $640 $472 $28 $142 $1,671 $139
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Kia Forte insurance prices 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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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Information does not factor in your specific Tampa location which can affect coverage prices substantially.

Based on these figures, using a $250 deductible will cost you about $16 more each month or $192 for a full year than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 16 months between claims, you would save more money going with the higher deductible.

Cautious Tampa drivers save money

The illustration below highlights how speeding tickets and accidents can affect Kia Forte insurance prices for different ages of insureds. The premiums are based on a single female driver, full coverage, $250 deductibles, and no discounts are applied.

Why Your Insurance Prices might be higher

Part of the car insurance buying process is learning some of the things that help calculate the price you pay for car insurance. If you know what impacts premium levels, this allows you to make educated decisions that could help you find much lower annual insurance costs. Many different elements are part of the calculation when you get a price on insurance. Most are fairly basic such as your driving record, but other factors are not quite as obvious like where you live or your financial responsibility.

Safer the car lower the rate – Cars with high safety ratings cost less to insure. Safer cars help reduce the chance of injuries in an accident and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If the Kia Forte scored at minimum four stars on it may be receiving lower rates.

Bad credit hurts insurance premiums – An insured’s credit rating is a big factor in determining what you pay for car insurance. People that have high credit ratings tend to be more responsible and file fewer claims than those with worse credit. Therefore, if your credit can use some improvement, you could pay less to insure your Kia Forte if you improve your credit rating.

Better car insurance rates with anti-theft devices – Choosing to buy a car with advanced anti-theft systems can earn a premium discount. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft and help lower rates.

Only buy extra coverages you need – Insurance companies have many additional coverages that can waste your money on your Forte policy. Add-on coverages like replacement cost coverage, accidental death, and Farm Bureau memberships are probably not needed. They may seem like a good idea when buying your policy, but if you have no use for them eliminate them to save money.

With age comes responsibility – Teenage drivers in Florida have been known to be less responsible when behind the wheel therefore car insurance rates are much higher. More mature drivers are more responsible, are lower risk to insure, and usually have better credit.

The data below uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.

Gender and insurance coverage rates – Statistics demonstrate females are less aggressive when driving. The data does not necessarily mean that females are better drivers. They both cause fender benders in similar percentages, but men cause more damage. In addition to higher claims, males also have more aggressive citations like reckless driving and DUI. Male drivers age 16 to 19 cause the most accidents and therefore pay the highest rates.

The information below shows the difference between Kia Forte premium costs for male and female drivers. The premiums are based on no tickets, no at-fault accidents, comp and collision included, $500 deductibles, drivers are single, and no policy discounts are applied.

Pay more out-of-pocket – Protection for physical damage, termed comprehensive and collision coverage on your policy, helps pay for damage to your vehicle. A few examples of covered claims would be a dented fender, damage from fire, and damage caused by flying debris. Your deductibles are the amount of money you are required to spend out-of-pocket if a claim is determined to be covered. The more you’re willing to pay, the bigger discount you will receive.

Kia Forte claim data – Insurers analyze past claim statistics as a way to help calculate a profitable premium price. Vehicles that tend to have high amounts or severity of claims will be charged more to insure. The next table illustrates the historical loss data for Kia Forte vehicles.

For each coverage category, the claim probability for all vehicles averaged together equals 100. Numbers below 100 represent a good loss history, while numbers above 100 indicate more frequent claims or an increased chance of larger losses than average.

Auto Insurance Loss Data for Kia Forte Models
Specific Kia 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

Empty fields indicate not enough data collected
Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Don’t give up on cheap rates

When buying insurance coverage, do not sacrifice coverage to reduce premiums. There have been many situations where an insured dropped comprehensive coverage or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage at the lowest possible cost, not the least amount of coverage.

In this article, we covered many ideas to shop for Kia Forte insurance online. The most important thing to understand is the more you quote Tampa car insurance, the better your comparison will be. You may even discover the lowest priced insurance comes from a smaller regional carrier.

More affordable insurance in Tampa is possible on the web as well as from insurance agents, so you should compare both so you have a total pricing picture. Some insurance companies may not offer online rate quotes and most of the time these smaller companies prefer to sell through local independent agencies.

Steps to finding affordable quotes for Kia Forte insurance in Tampa

Truthfully, the best way to find better pricing on Kia Forte insurance in Tampa is to compare quotes once a year from providers who provide car insurance in Florida. You can shop around by following these guidelines.

First, try to understand how your policy works and the modifications you can make to keep rates low. Many rating factors that are responsible for high rates such as accidents, careless driving, and a negative credit rating can be improved by making lifestyle changes or driving safer.

Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like GEICO or State Farm, while independent agents can give you price quotes from many different companies.

Third, compare the quotes to the price on your current policy to see if a cheaper price is available in Tampa. If you find a lower rate, ensure there is no coverage lapse between policies.

The most important part of this process is to try to use the same level of coverage on every quote and and to analyze as many companies as feasibly possible. Doing this guarantees an accurate price comparison and maximum price selection.

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