Want to know an easy way to compare more affordable Kia Forte insurance in Dallas? No normal person likes buying auto insurance, in particular when they could find better rates elsewhere.
It’s an obvious conclusion that insurance companies don’t want you shop around. Consumers who shop for lower prices are likely to buy a different policy because they have a good chance of finding lower rate quotes. A recent survey discovered that drivers who routinely compared rates saved over $3,450 over four years compared to other drivers who don’t make a habit of comparing rates.
If finding the cheapest price on Kia Forte insurance is your objective, knowing how to compare insurance can help make the process easier. Consumers have so many auto insurance companies to purchase coverage from, and though it is a good thing to be able to choose, it can be more challenging to compare rates and find the lowest cost auto insurance.
It’s a good habit to shop coverage around as often as possible since insurance rates go up and down regularly. Despite the fact that you may have had the best rate on Kia Forte insurance in Dallas last year there is a good chance you can find better prices now. Block out anything you think you know about auto insurance because we’re going to show you the fastest and easiest way to properly buy coverages and cut your premium.
Finding a lower price on Kia Forte insurance is not a difficult process. Just take a couple of minutes to compare rate quotes online with multiple companies.
Comparison shopping rates online is easy and it makes it obsolete to make phone calls or go to local Dallas insurance agencies. The ability to buy insurance online makes this unnecessary unless you prefer the extra assistance of a local Dallas agent. Although, it is possible compare the best prices online but still have the advice of a local agent.
The companies shown below are our best choices to provide free rate quotes in Dallas, TX. If the list has multiple companies, we suggest you compare several of them to get a more complete price comparison.
Auto insurance policy discounts you can’t miss
Auto insurance is not inexpensive, but there may be some discounts that can dramatically reduce your bill. Many discounts should be triggered when you get a quote, but less common discounts must be inquired about prior to getting the savings.
- Online Discount – A few auto insurance companies will give you a small discount for buying your policy online.
- Driver Training Discounts – Taking time to complete a class that teaches driver safety techniques may get you a small discount and make you a better driver.
- Waiver for an Accident – This one isn’t a discount, but some insurance companies will forgive one accident without the usual rate increase if you are claim-free prior to the accident.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions and earn discounts up to 10%.
- Multi-car Discount – Having several vehicles on one policy can reduce rates for all insured vehicles.
- Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
- Early Payment Discounts – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
- Own a Home and Save – Just being a homeowner can get you a discount because of the fact that having a home demonstrates responsibility.
Don’t be shocked that most credits do not apply to the entire cost. Most only apply to the cost of specific coverages such as comprehensive or collision. Even though it appears you can get free auto insurance, it just doesn’t work that way.
The chart below illustrates the difference between Kia Forte insurance premiums with and without discounts applied. The rate quotes are based on a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, marriage, safe-driver, multi-policy, and multi-car discounts applied.
Large auto insurance companies and a selection of discounts are outlined below.
- American Family may have discounts that include air bags, Steer into Savings, early bird, bundled insurance, mySafetyValet, accident-free, and good student.
- Nationwide has discounts for defensive driving, family plan, multi-policy, accident-free, Farm Bureau membership, business or organization, and good student.
- MetLife offers premium reductions for good student, claim-free, multi-policy, good driver, defensive driver, and accident-free.
- 21st Century offers discounts including defensive driver, teen driver, early bird, 55 and older, student driver, and good student.
- Farmers Insurance discounts include youthful driver, bundle discounts, business and professional, distant student, switch companies, multi-car, and pay in full.
- Allstate offers discounts for anti-lock brakes, premier plus, auto/life discount, new car, and utility vehicle.
If you are trying to find low cost Dallas car insurance quotes, ask each company or agent which credits you are entitled to. Depending on the company, some discounts may not apply to policies in your state. To choose auto insurance companies with significant discounts in Texas, click here to view.
Kia Forte coverage analysis
The rate information displayed below highlights a range of insurance rates for Kia Forte models. Having insight into how auto insurance premiums are formulated helps drivers make smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $206 | $322 | $430 | $26 | $128 | $1,112 | $93 |
| Forte EX 4-Dr Sedan | $206 | $322 | $430 | $26 | $128 | $1,112 | $93 |
| Forte SX 4-Dr Sedan | $232 | $392 | $430 | $26 | $128 | $1,208 | $101 |
| Forte EX 2-Dr Coupe | $232 | $462 | $486 | $28 | $146 | $1,354 | $113 |
| Forte SX 2-Dr Coupe | $232 | $462 | $486 | $28 | $146 | $1,354 | $113 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rate information does not factor in zip code location which can change coverage rates significantly.
Rate comparison for different deductibles
One frequently asked question is how high should your deductibles be. The rates below can help you understand the costs and benefits when you choose different comp and collision deductibles. The first set of rates uses a $100 deductible for comp and collision and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $328 | $486 | $382 | $22 | $114 | $1,357 | $113 |
| Forte EX 4-Dr Sedan | $328 | $486 | $382 | $22 | $114 | $1,357 | $113 |
| Forte SX 4-Dr Sedan | $370 | $592 | $382 | $22 | $114 | $1,505 | $125 |
| Forte EX 2-Dr Coupe | $370 | $698 | $430 | $26 | $128 | $1,677 | $140 |
| Forte SX 2-Dr Coupe | $370 | $698 | $430 | $26 | $128 | $1,677 | $140 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $240 | $328 | $382 | $22 | $114 | $1,086 | $91 |
| Forte EX 4-Dr Sedan | $240 | $328 | $382 | $22 | $114 | $1,086 | $91 |
| Forte SX 4-Dr Sedan | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Forte EX 2-Dr Coupe | $270 | $472 | $430 | $26 | $128 | $1,326 | $111 |
| Forte SX 2-Dr Coupe | $270 | $472 | $430 | $26 | $128 | $1,326 | $111 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Price estimates do not factor in zip code location which can lower or raise prices substantially.
Based on the above data, using a $100 deductible costs about $25 more each month or $300 annually across all Kia Forte models than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at least 16 months between claims, you would more than likely save some money if you elect the higher deductible. Here is a better example of how this calculation is made.
| Average monthly premium for $100 deductibles: | $126 |
| Average monthly premium for $500 deductibles (subtract): | – $101 |
| Monthly savings from raising deductible: | $25 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $25 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 16 months |
The example below illustrates how your choice of deductibles and can change Kia Forte insurance costs for different categories of driver ages. The information is based on a single female driver, comp and collision included, and no discounts are factored in.
How violations and accidents impact rates
The illustration below demonstrates how traffic citations and at-fault accidents can drive up Kia Forte insurance costs for each age group. The premiums assume a married female driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.
Yearly car insurance costs for men versus women
The example below shows the difference between Kia Forte annual premium costs for male and female drivers. The premiums are based on no driving violations, no at-fault accidents, full physical damage coverage, $100 deductibles, single marital status, and no policy discounts are applied.
Rate comparison of full coverage and liability-only
The diagram below illustrates the difference between Kia Forte insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on no tickets, no at-fault accidents, $250 deductibles, drivers are not married, and no other discounts are factored in.
When to drop comprehensive and collision coverage
There is no definitive formula to eliminate comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is about 10% or more of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
For example, let’s pretend your Kia Forte book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $2,000 after the deductible is paid. If premium cost is more than $200 annually for physical damage coverage, then it may be the right time to buy liability only.
There are some circumstances where dropping physical damage coverage is not in your best interest. If you haven’t satisfied your loan, you have to maintain full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.
How Car Insurance Companies Calculate Kia Forte Insurance Rates
It’s important that you understand some of the things that aid in calculating your premiums. If you have a feel for what influences your rates, this enables you to make decisions that can earn you better car insurance rates.
The list below includes some of the factors used by companies to determine prices.
- Gaps in coverage mean higher car insurance rates – Allowing your coverage to lapse is a sure-fire way to bump up your car insurance costs. Not only will rates go up, being ticketed for driving with no insurance might get you fines and jail time. You may have to provide proof of insurance in the form of an SR-22 filing with the Texas department of motor vehicles.
-
More performance means more cost – The make and model of the car you need insurance for makes a huge difference in determining your rates. The lowest rates tend to be for small economy passenger cars, but other factors influence the final cost greatly.
The following chart assumes a married male driver age 50, full coverage with $500 deductibles, and no discounts or violations. The data compares Kia Forte car insurance rates compared to other vehicles that have a range of performances.
- Don’t skimp on liability insurance – Liability coverage is the protection when you are determined to be liable for physical damage or personal injury to other. It will provide legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
- Employer can influence rates – Careers like doctors, architects, and accountants are shown to have higher premium rates because of intense work requirements and long work days. On the other hand, careers such as scientists, athletes and performers get better rates.
- Your location is important – Being located in areas with lower population can be a good thing when it comes to car insurance. Urban drivers tend to have congested traffic and more time behind the wheel. Fewer people means reduced accidents in addition to fewer liability claims.
-
Your age impacts your prices – Beginning drivers in Texas tend to be easily distracted when driving so they pay higher car insurance rates. Having to add a first-time driver to your car insurance policy can cause a big jump in price. Older insureds are more responsible, file fewer claims, and receive fewer citations.
The chart below uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.
- Poor credit decisions can cost you – A driver’s credit rating is a large factor in calculating your premium rate. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers with lower ratings. Therefore, if your credit history leaves room for improvement, you could be paying less to insure your Kia Forte by spending a little time repairing your credit.
- Increase coverage deductibles to save – The deductibles represent how much money you are willing to pay out-of-pocket before your car insurance pays a claim. Physical damage protection, also called comprehensive and collision insurance, insures against damage to your car. Examples of covered claims could be a windshield broken by a bird, fire damage, and damage from wind. The larger the amount you’re willing to pay, the less your company will charge you for insurance.
-
Loss probability for a Kia Forte – Insurers study historical loss data to help determine the price you pay. Vehicles that statistically have a trend towards higher claims will cost more to insure. The table below outlines the collected loss data for Kia Forte vehicles.
For each insurance policy coverage type, the claim amount for all vehicles compiled together is equal to 100. Values below 100 indicate better than average losses, while percentage values above 100 indicate frequent claims or an increased chance of larger losses than average.
Car 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Buying from insurance agents
Some people just prefer to sit down and talk to an agent and that can be a smart move Experienced insurance agents can help determine the best coverages and help in the event of a claim. An additional benefit of comparing car insurance online is that you can find the best rates but also keep your business local.
To help locate an agent, after submitting this simple form, your coverage information is emailed to companies in Dallas who want to provide quotes to get your business. You don’t have to do any legwork due to the fact that quote results will go directly to you. If you wish to get a price quote from a specific company, you can always go to their quote page and give them your coverage information.
Choosing the best provider requires you to look at more than just the quoted price. These questions are important to ask:
- Do they offer accident forgiveness?
- Is the agency active in community causes in Dallas?
- What kind of financial rating does the company have?
- Is the agent properly licensed in Texas?
- Are there any discounts for paying up front?
- Can glass repairs be made at your home?
If you feel you receive positive feedback to these questions and cheap Forte insurance quotes, it’s a good possibility that you have found an insurance company that is a good match to provide car insurance coverage.
Affordable auto insurance premiums are out there
While you’re price shopping online, it’s a bad idea to buy poor coverage just to save money. There are many occasions where consumers will sacrifice physical damage coverage and found out when filing a claim they didn’t purchase enough coverage. Your focus should be to get the best coverage possible at an affordable rate but still have enough coverage for asset protection.
More affordable auto insurance in Dallas is definitely available on the web and from local agencies, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who don’t offer rate quotes online and most of the time these regional insurance providers work with independent agents.
Steps to finding affordable Kia Forte insurance in Dallas
The most effective way to find low-cost prices for Kia Forte insurance is to regularly compare prices from different companies in Dallas.
- Spend some time learning about the different coverages in a policy and the things you can change to prevent expensive coverage. Many rating criteria that cause high rates like inattentive driving and a negative credit rating can be controlled by making small lifestyle or driving habit changes.
- Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like Progressive and State Farm, while agents who are independent can provide rate quotes for a wide range of insurance providers.
- Compare the price quotes to the price on your current policy and determine if cheaper Forte coverage is available. If you find a better price and decide to switch, make sure there is no lapse in coverage.
- Tell your current company of your intent to cancel your current auto insurance policy and submit a signed application and payment for the new coverage. Once the paperwork is finalized, store the proof of insurance certificate above your visor, in the console, or in the glove compartment.
An important bit of advice to remember is that you’ll want to make sure you compare the same liability limits and deductibles on each price quote and and to get prices from as many different companies as possible. Doing this enables a fair price comparison and the best price selection.
More tips and info about auto insurance is available in the articles below:
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Who Has Cheap Auto Insurance Quotes for 18 Year Olds in Dallas? (FAQ)
- What Car Insurance is Cheapest for a Toyota RAV4 in Dallas? (FAQ)
- Who Has Cheap Auto Insurance Rates for Low Mileage Drivers in Dallas? (FAQ)
- Who Has the Cheapest Dallas Car Insurance Rates for Drivers with Bad Credit? (FAQ)
- How Much are Dallas Auto Insurance Rates for Hybrid Vehicles? (FAQ)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Distracted Driving (Insurance Information Institute)
- Auto Theft Statistics (Insurance Information Institute)
- Should I Buy a New or Used Car? (Allstate)