Cheapest San Antonio Kia Forte Insurance

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Kia Forte insurance
Kia Forte insurance image courtesy of QuoteInspector.com

Insurance quote for Kia Forte in San AntonioTrying to come up with a payment for overpriced auto insurance can consume your budget and put the squeeze on your family's finances. Comparing price quotes is free, only takes a few minutes, and is a good way to make sure you're not throwing money away.

Statistics show that a large majority of drivers kept buying from the same company for four years or more, and roughly 40% of drivers have never compared quotes from other companies. The average driver in Texas can save nearly $1,800 each year just by comparing rates, but they assume it's a waste of time to compare rates. Big-name insurance companies like Allstate, Progressive and GEICO all claim big savings, bombarding you with ad campaigns and it can be hard to sift through the bull and effectively compare rates to find the best deal.

If you already have coverage or need new coverage, you can learn to cut your premiums and possibly find even better coverage. Buying the cheapest insurance in San Antonio is not that difficult as long as you know where to start. Shoppers just have to know the most efficient way to compare prices on the web.

Getting a cheaper price on Kia Forte insurance can be quick and easy. Just invest a few minutes comparing rates from some recommended companies.

Doing price comparisons online is so simple that it makes it obsolete to waste gas driving to different San Antonio agent offices. Comparing online rate quotes makes this process obsolete unless you want the extra assistance that only a licensed agent can provide. It is possible with some companies get prices online but purchase the actual policy in an agency.

The following companies offer price comparisons in Texas. If more than one company is shown, we suggest you visit two to three different companies in order to get a fair rate comparison.

Cheaper Kia Forte insurance quotes in San Antonio

Some companies do not advertise all their discounts very clearly, so we took the time to find some of the best known and also the more inconspicuous discounts that may be available.Cheaper auto insurance with discounts

  • Student Discounts - A discount for being a good student could provide a savings of up to 20% or more. The discount lasts up until you turn 25.
  • Multiple Vehicles - Buying coverage for multiple cars or trucks with the same company can reduce rates for all insured vehicles.
  • Theft Deterrent Discount - Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
  • Early Payment Discounts - If you can afford to pay the entire bill instead of paying each month you could save 5% or more.
  • Student Discount for Driver Training - Teen drivers should enroll and complete driver's education if it's offered in school.
  • Air Bag Discount - Factory air bags or automatic seat belts can qualify for discounts of 20 to 30 percent.
  • Data Collection Discounts - Insureds that choose to allow companies to monitor driving patterns by using a telematics device in their vehicle like Allstate's Drivewise could see a rate decrease if they are good drivers.

As a disclaimer on discounts, some credits don't apply to the whole policy. Most cut specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like you could get a free auto insurance policy, you're out of luck.

The illustration below visualizes the comparison of Kia Forte insurance rates with and without discounts applied. The data is based on a female driver, no tickets, no at-fault accidents, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, safe-driver, marriage, homeowner, and multi-car discounts applied.

Some of the insurance companies who may offer these benefits include:

When getting a coverage quote, ask each company what discounts are available to you. Savings may not apply to policies in your state. For a list of auto insurance companies with discount auto insurance rates in San Antonio, click this link.

Coverage analysis

The coverage table displayed below highlights estimates of policy rates for Kia Forte models. Learning a little about how insurance quotes are figured can be useful when making decisions when choosing a new policy provider.

Kia Forte Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $230 $372 $496 $30 $148 $1,276 $106
Forte EX 4-Dr Sedan $230 $372 $496 $30 $148 $1,276 $106
Forte SX 4-Dr Sedan $260 $452 $496 $30 $148 $1,386 $116
Forte EX 2-Dr Coupe $260 $532 $560 $34 $168 $1,554 $130
Forte SX 2-Dr Coupe $260 $532 $560 $34 $168 $1,554 $130
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in the specific area where the vehicle is garaged which can influence premiums substantially.

Deductible comparison

The hardest decision when buying coverage is at what level do you set your deductibles. The figures shown below can help show the premium difference between high and low policy deductibles. The first data set uses a $250 physical damage coverage deductible and the second price table uses a $500 deductible.

Kia Forte insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $294 $408 $382 $22 $114 $1,245 $104
Forte EX 4-Dr Sedan $294 $408 $382 $22 $114 $1,245 $104
Forte SX 4-Dr Sedan $332 $496 $382 $22 $114 $1,371 $114
Forte EX 2-Dr Coupe $332 $584 $430 $26 $128 $1,525 $127
Forte SX 2-Dr Coupe $332 $584 $430 $26 $128 $1,525 $127
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Kia Forte insurance with $500 deductibles
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
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Price estimates do not factor in San Antonio location which can impact coverage rates noticeably.

Based on these figures, using a $250 deductible costs about $14 more each month or $168 every year than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you usually have at least 18 months between claims, you would probably be better off by selecting a higher deductible.

How to Lower Your Insurance Prices

One of the most helpful ways to save on auto insurance is to to have a grasp of the different types of things that come into play when calculating auto insurance rates. If you understand what determines premiums, this empowers consumers to make smart changes that could help you find big savings.

  • Your stress level may be raising your rates - Jobs like doctors, business owners, and accountants tend to have higher rates than average in part from job stress and long work days. Other occupations such as scientists, students and the unemployed have lower than average premiums.
  • Don't get traffic citations - Getting just one moving violation can boost insurance rates substantially. Careful drivers have lower premiums compared to bad drivers. People who have serious citations such as DWI, reckless driving or hit and run convictions may need to file a SR-22 to the state department of motor vehicles in order to keep their license.

    The chart below shows how violations and accidents can influence Kia Forte car insurance rates for different age groups. The data is based on a single male driver, full coverage, $100 deductibles, and no discounts are applied.

  • With age comes responsibility - Mature drivers are shown to be more cautious, cost insurance companies less in claims, and receive fewer citations. Beginning drivers are statistically shown to be careless and easily distracted when at the wheel of a vehicle so auto insurance rates are higher.

    The chart below is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.

  • Cheaper rates using alarms and GPS tracking - Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms help track and prevent auto theft.
  • How many coverages with the same company - Most auto insurance companies allow better rates to clients who have multiple policies with them such as combining an auto and homeowners policy. The discount can be ten or even up to twenty percent in some cases. Even though this discount sounds good, you still need to compare Kia Forte rates in San Antonio to verify if the discount is saving money.
  • Rental and towing coverage may not be needed - There are quite a few additional coverages that may not really be needed when buying auto insurance. Coverage for things like coverage for rental cars, towing, and extra equipment coverage may be costing you every month. You may think they are a good idea when you first buy your policy, but if you don't need them eliminate the coverages to reduce your premium.
  • Safer occupants lowers auto insurance rates - Safer cars get lower rates. Vehicles built for safety reduce the chance of injuries and lower rates of occupant injuries means less money paid by your insurance company passed on to you as lower rates.
  • Battle of the sexes - Statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that females are better drivers. Both sexes are responsible for at-fault accidents at a similar rate, but the men cause more damage and cost insurance companies more money. They also receive more major tickets like DUI and reckless driving. Young men ages 16 to 20 generally have the highest accident percentage and therefore are the most expensive to insure.

    The illustration below compares Kia Forte insurance rates for male and female drivers. The rate quotes are based on no tickets, no at-fault accidents, comp and collision included, $100 deductibles, drivers are single, and no discounts are taken into consideration.

  • Insurance losses for a Kia Forte - Insurers analyze past claim statistics when setting premium costs. Models that have higher claim amounts or frequency will cost more for specific coverages. The table below shows the historical insurance loss data for Kia Forte vehicles.

    For each policy coverage, the statistical loss for all vehicles as a whole is considered to be 100. Numbers that are below 100 indicate better than average losses, while percentages above 100 indicate a higher chance of having a claim or statistically larger claims.

    Car Insurance Loss Data for Kia Forte Models
    Vehicle 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
    BETTER
    AVERAGE
    WORSE

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