Kia Forte Insurance Quotes in Philadelphia

Do you want to learn how to find lower-priced Kia Forte insurance in Philadelphia? Did budget coverage turn out to be an under-performing, overpriced insurance policy? You’re preaching to the choir because many Philadelphia consumers are in the same pinch.

Shocking but true, most insurance customers kept their coverage with the same insurance company for more than four years, and approximately 38% of consumers have never taken the time to shop around. With the average premium in Pennsylvania being $1,360, drivers could save nearly $690 every year by just comparing rate quotes, but they don’t want to take the time to shop their coverage around. Lots of auto insurance companies contend for your business, so it’s not easy to compare every insurance company and get the best coverage at the best rates possible on Kia Forte insurance in Philadelphia.

Get cheaper rates by applying discounts

Companies don’t necessarily list all possible discounts in a way that’s easy to find, so below is a list some of the more common as well as some of the hidden ways to save on insurance.

• Theft Deterrent System – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen less frequently and will save you 10% or more on Forte insurance in Philadelphia.
• Passenger Safety Discount – Vehicles equipped with air bags may get savings of 25 to 30%.
• Claim-Free Discount – Good drivers with no accidents are rewarded with significantly better rates on Philadelphia car insurance quote when compared to drivers who are more careless.
• Seat Belt Discounts – Drivers who require all occupants to fasten their seat belts can save 10% or more off the medical payments premium.
• Philadelphia Homeowners Pay Less – Just being a homeowner can help you save on insurance because of the fact that having a home is proof of financial responsibility.

As a sidenote, most discounts do not apply to the entire cost. Most cut the price of certain insurance coverages like comp or med pay. Despite the appearance that it’s possible to get free car insurance, it’s just not the way it works. Any qualifying discounts should help lower your policy cost.

The example below illustrates the difference between Kia Forte annual premium costs with and without some available policy discounts. The costs are based on a male driver, no violations or accidents, Pennsylvania state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, marriage, claim-free, and multi-policy discounts applied.

Companies and some of the premium reductions they offer include:

• Progressive discounts include online quote discount, multi-vehicle, multi-policy, homeowner, continuous coverage, and online signing.
• SAFECO has discounts for teen safety rewards, accident prevention training, multi-car, anti-theft, teen safe driver, and homeowner.
• American Family has savings for accident-free, early bird, multi-vehicle, TimeAway discount, defensive driver, and bundled insurance.
• MetLife offers premium reductions for accident-free, multi-policy, good driver, defensive driver, claim-free, good student
• GEICO policyholders can earn discounts including anti-lock brakes, good student, seat belt use, defensive driver, daytime running lights, and multi-vehicle.
• The Hartford may offer discounts for good student, vehicle fuel type, defensive driver, air bag, anti-theft, and bundle.

When getting a coverage quote, ask each company which discounts you qualify for. Discounts might not be offered in your area.

The easiest way to compare rate quotes for Kia Forte insurance in Philadelphia is to know the fact almost all companies actually pay money for the chance to compare their rates. The only thing you need to do is spend a couple of minutes providing details such as if the vehicle is leased, how your vehicles are used, how much school you completed, and how many miles driven. Your rating data is submitted instantly to multiple top-rated companies and they return rate quotes with very little delay.

To compare multiple company cheap Kia Forte insurance rates now, click here then complete the form.

The providers in the list below are our best choices to provide free quotes in Pennsylvania. If several companies are displayed, we recommend you click on several of them to get the lowest price.

Analysis of coverages

The data table displayed next highlights detailed analysis of policy rates for Kia Forte models. Understanding more about how insurance policy premiums are formulated helps drivers make decisions when shopping your coverage around.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price information does not factor in specific Philadelphia garaging location which can increase or decrease price quotes considerably.

Insurance deductibles

When shopping for insurance, a common question is how high should the physical damage coverage deductibles be. The following tables help summarize how much more rates are when you buy lower versus higher policy deductibles. The first price estimate table uses a $100 physical damage deductible and the second set of rates uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Table data does not factor in vehicle garaging location which can change prices considerably.

Based on this data, using a $100 deductible costs approximately $33 more each month or $396 annually than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you average at least 27 months between claim filings, you would probably be better off if you choose the higher deductible.

The diagram below illustrates how choosing a deductible and can affect Kia Forte insurance prices for different age groups. The rate quotes are based on a married female driver, comp and collision included, and no additional discounts are factored in.

Males versus Females

The example below illustrates the difference between Kia Forte insurance prices for male and female drivers. The premiums are based on no violations or accidents, comprehensive and collision coverage, $100 deductibles, drivers are single, and no discounts are applied to the premium.

Insurance Price Influencing Factors

Consumers need to have an understanding of some of the factors that help calculate the price you pay for auto insurance. If you have a feel for what impacts premium levels, this enables you to make decisions that can help you get better auto insurance rates. Many things are taken into consideration when premium rates are determined. Most are fairly basic such as your driving record, but other criteria are not as apparent such as whether you are married or your commute time.

The list below includes some of the major factors used by insurance companies to determine premiums.

Vehicle risk impacts costs – The type of car, truck or SUV you own makes a big difference in determining your rates. Small economy passenger cars usually have the lowest premiums, but that’s not the only thing that factors into the final price.

The next chart uses these assumptions: married female driver age 40, full coverage with $100 deductibles, and no discounts or violations. The data compares Kia Forte policy rates compared to other models of vehicles that have a range of performances.

Drivers with responsible credit save on auto insurance – Having a bad credit score will be a significant factor in determining what you pay for auto insurance. Drivers with very good credit scores tend to file fewer claims and have better driving records than drivers with lower credit ratings. So if your credit history is lower than you’d like, you could be paying less to insure your Kia Forte if you improve your credit rating.

Pay less with a high safety rating – Safe vehicles tend to be cheaper to insure. The safest vehicles help reduce the chance of injuries in an accident and fewer serious injuries means less money paid by your insurance company passed on to you as lower rates. If your Kia Forte scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.

How’s your driving record? – Careful drivers get better prices than people who have multiple driving citations. Having just one chargeable violation can bump up the cost substantially. Drivers unfortunate enough to have flagrant tickets like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with their state in order to prevent their license from being revoked.

The diagram below shows how violations and at-fault fender-benders drive up Kia Forte car insurance rates for different age categories. The rate quotes are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.

Lower rates with a multi-policy discount – Most larger companies provide discounts for people who have multiple policies with them in the form of a multi-policy discount. Discounts can be 10 percent or more. Even with this discount, it’s still a good idea to comparison shop to make sure you are getting the best deal.

Keep claims to a minimum – If you tend to file frequent claims, you can expect higher rates. Auto insurance companies in Pennsylvania award better rates to policyholders who do not file claims often. Auto insurance is intended for claims that you cannot pay yourself.

Your career may increase premiums – Careers like military generals, executives, and miners tend to have higher rates than average because of high stress and long work hours. On the other hand, professions such as actors, historians and performers get better rates.

Insurance losses for a Kia Forte – Companies use historical loss data when setting premium rates. Vehicles that have a trend towards higher claim severity or frequency will have a higher cost to insure. The data below shows the loss history for Kia Forte vehicles.

For each coverage category, the claim amount for all vehicles, as an average, is represented as 100. Values that are below 100 are indicative of better than average losses, while numbers above 100 indicate a higher chance of having a claim or larger claims.

Shop online but buy locally

Many drivers just want to have an agent’s advice and that is just fine! Most agents can help you build your policy and help you file claims. The biggest benefit of getting online price quotes is that drivers can save money and get cheap insurance quotes and still have a local agent.

After completing this form (opens in new window), your information is immediately sent to companies in Philadelphia who will gladly provide quotes for your coverage. It’s much easier because you don’t need to drive around as quotes are delivered immediately to your email address. If you have a need to compare rates for a specific company, you would need to navigate to their website and submit a quote form there.

Selecting an provider shouldn’t rely on just a cheap quote. You should also get answers to these questions.

• How long has their agency been open in Philadelphia?
• Are they full-time agents?
• Do they see any coverage gaps in your plan?
• Does the agency support the community they serve?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?

Philadelphia car insurance agents are either independent or exclusive

When looking for a reliable insurance agent, it helps to know the two different types of agencies and how they are distinctly different. Insurance agents can be categorized as either independent (non-exclusive) or exclusive. Both types of agents can insure your vehicles, but it is important to understand the difference in how they write coverage because it can influence your selection of an agent.

Exclusive Insurance Agencies

Agents that choose to be exclusive are contracted to one company and some examples include Allstate, Farmers Insurance or State Farm. They usually cannot compare rates from other companies so you might not find the best rates. These agents are highly trained on sales techniques which helps offset the inability to provide other markets.

Shown below is a short list of exclusive agents in Philadelphia that can give you price quote information.

More insurance agents

Independent Insurance Agents

Independent agencies often have affiliation with several companies and that allows them to write policies with lots of companies and get you the best rates possible. If they find a lower price, they simply move the coverage in-house and you don’t have to do anything. When comparing insurance prices, you will definitely want to include rate quotes from at least one independent agent so that you can do a thorough price comparison.

Shown below is a short list of independent agents in Philadelphia that are able to give rate quotes.

More insurance agents

Protect more than your vehicle

Despite the potentially high cost of Kia Forte insurance, buying car insurance is required in Pennsylvania but also provides important benefits.

First, the majority of states have compulsory liability insurance requirements which means state laws require a minimum amount of liability insurance in order to license the vehicle. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a loan on your car, almost all lenders will have a requirement that you have insurance to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the bank may buy a policy for your Kia at an extremely high rate and make you pay for the much more expensive policy.

Third, car insurance protects both your Kia and your assets. It will also provide coverage for hospital and medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage will also pay to defend you if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of insuring your Forte greatly outweigh the cost, specifically if you ever have a liability claim. As of last year, the average driver in Pennsylvania is wasting up to $830 a year so compare rate quotes at every policy renewal to make sure the price is not too high.

One last thing to lower rates

Some car insurance companies may not have rates over the internet and most of the time these regional carriers provide coverage only through local independent agents. Cheaper car insurance in Philadelphia can be purchased from both online companies and from local insurance agents, and you need to price shop both to have the best selection.

We covered a lot of information how to compare Kia Forte insurance rates in Philadelphia. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from the smaller companies. These companies may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

For more information, feel free to browse the resources below:

• How to Avoid Buying a Flooded Car (Insurance Information Institute)
• Who Has Affordable Auto Insurance for Drivers Under 25 in Philadelphia? (FAQ)
• How Much are Auto Insurance Quotes for a 20 Year Old Female in Philadelphia? (FAQ)
• Teen Driver Statistics (Insurance Information Institute)
• Safety Features for Your New Car (State Farm)