It takes a little time, but the best way to get low-cost Kia Forte insurance is to regularly compare prices from insurance carriers in Aurora.
- Step 1: It will benefit you to learn about how auto insurance works and the things you can control to prevent expensive coverage. Many things that cause high rates like accidents, traffic tickets, and an imperfect credit rating can be remedied by making small lifestyle or driving habit changes.
- Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from one company like Progressive or Allstate, while independent agents can quote prices from multiple sources.
- Step 3: Compare the new rates to your current policy premium to see if a cheaper rate is available in Aurora. If you find a lower rate quote and switch companies, make sure there is no coverage gap between policies.
The key aspect of shopping around is to use the same amount of coverage on every price quote and and to look at as many different insurance providers as possible. This helps ensure the most accurate price comparison and maximum price selection.
It’s safe to conclude that insurance companies don’t want you to compare rates. Insureds who shop for lower prices are inclined to switch to a new company because they stand a good chance of finding a lower rate. A recent survey discovered that drivers who made a habit of comparing rate quotes saved on average $860 a year compared to other drivers who never compared rates.
If finding the best rates on insurance in Aurora is the reason for your visit, then having some knowledge of the best way to shop and compare cheaper coverage can help simplify the task of finding more affordable coverage.
If you are paying for car insurance now, you will definitely be able to save money using these techniques. Buying the cheapest auto insurance in Aurora seems hard but is not really that difficult. Although Colorado car owners do need to know the methods companies use to market insurance on the web because rates are impacted by many factors.
How to buy Aurora Kia Forte insurance online
Most of the larger companies give coverage prices on the web. Getting online rates for Kia Forte insurance in Aurora is pretty easy because you just enter your required coverages into the quote form. Once you submit the form, the system sends out for reports for credit and driving violations and generates a price based on these factors. Using the web to get rates for Kia Forte insurance in Aurora makes it a lot easier to compare rates and it is important to do this in order to find a better rate.
If you want to find out how much you can save on car insurance, compare rates now from the companies shown below. If you currently have coverage, we recommend you type in the limits and deductibles identical to your current policy. Using the same limits helps guarantee you will be getting a price comparison for the exact same coverage.
The companies shown below are ready to provide comparison quotes in Colorado. To buy the best cheap car insurance in Aurora, it’s highly recommended you get price quotes from several of them to get the best price comparison.
Protect your vehicle and other assets
Despite the high insurance cost for a Kia Forte in Aurora, buying insurance may be required for several reasons.
- Most states have minimum liability requirements which means the state requires a minimum amount of liability insurance in order to drive the car legally. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you have a loan on your Kia Forte, it’s most likely the lender will have a requirement that you have insurance to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the lender will be forced to insure your Kia at a significantly higher premium and require you to reimburse them for it.
- Insurance protects both your assets and your car. It also can pay for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If you have damage to your Kia as the result of the weather or an accident, your insurance policy will pay to restore your vehicle to like-new condition.
The benefits of having insurance greatly outweigh the cost, particularly for liability claims. The average driver in Colorado is overpaying more than $850 per year so you should quote rates at every policy renewal to ensure rates are competitive.
Kia Forte insurance charts and tables
The table displayed next outlines estimates of insurance costs for Kia Forte models. Having a good grasp of how premiums are figured is important for drivers to make informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $236 | $382 | $338 | $20 | $100 | $1,076 | $90 |
| Forte EX 4-Dr Sedan | $236 | $382 | $338 | $20 | $100 | $1,076 | $90 |
| Forte SX 4-Dr Sedan | $266 | $464 | $338 | $20 | $100 | $1,188 | $99 |
| Forte EX 2-Dr Coupe | $266 | $546 | $382 | $22 | $114 | $1,330 | $111 |
| Forte SX 2-Dr Coupe | $266 | $546 | $382 | $22 | $114 | $1,330 | $111 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Information does not factor in Aurora location which can increase or decrease price quotes greatly.
Choosing deductibles
When buying car insurance, a common question is at what level do you set your deductibles. The following insurance rates show the difference in cost when you select higher and lower comp and collision deductibles. The first rate comparisons uses a $100 deductible for physical damage and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $302 | $448 | $352 | $20 | $106 | $1,253 | $104 |
| Forte EX 4-Dr Sedan | $302 | $448 | $352 | $20 | $106 | $1,253 | $104 |
| Forte SX 4-Dr Sedan | $342 | $546 | $352 | $20 | $106 | $1,391 | $116 |
| Forte EX 2-Dr Coupe | $342 | $644 | $396 | $24 | $118 | $1,549 | $129 |
| Forte SX 2-Dr Coupe | $342 | $644 | $396 | $24 | $118 | $1,549 | $129 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $168 | $236 | $352 | $20 | $106 | $882 | $74 |
| Forte EX 4-Dr Sedan | $168 | $236 | $352 | $20 | $106 | $882 | $74 |
| Forte SX 4-Dr Sedan | $190 | $288 | $352 | $20 | $106 | $956 | $80 |
| Forte EX 2-Dr Coupe | $190 | $340 | $396 | $24 | $118 | $1,068 | $89 |
| Forte SX 2-Dr Coupe | $190 | $340 | $396 | $24 | $118 | $1,068 | $89 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rate information does not factor in zip code location which can modify coverage prices significantly.
Based on this data, we can arrive at the conclusion that using a $100 deductible costs an average of $35 more each month or $420 annually across all Kia Forte models than choosing 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 a minimum 26 months between claim filings, you would probably save some money by going with a higher deductible.
Careless driving habits raise Aurora car insurance rates
The illustration below illustrates how traffic citations and fender-benders influence Kia Forte car insurance costs for different age groups. The data is based on a married male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.
Kia Forte liability rates compared to full coverage
The information below shows the comparison of Kia Forte auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes a clean driving record, no claims, $500 deductibles, drivers are single, and no discounts are applied to the premium.
When to switch to liability coverage only
There isn’t a steadfast formula for excluding full coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Kia Forte replacement cost is $9,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, you would only receive $8,000 after the policy deductible has been paid. If it’s costing in excess of $800 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.
There are some circumstances where dropping full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.
Lower your insurance rates with discounts
Car insurance companies don’t necessarily list their entire list of discounts very well, so the below list has both well-publicized and the more hidden credits available to lower your premiums when you buy Aurora car insurance online.
- Defensive Driver – Successfully completing a class that teaches safe driver techniques could earn you a small percentage discount depending on where you live.
- No Claims – Insureds with no claims or accidents pay much less as compared to policyholders that have many claims.
- Switch and Save Discount – A few larger companies offer discounts for buying a policy before your current Forte insurance policy expires. It can save you around 10%.
- Full Payment Discount – If paying your policy premium upfront as opposed to paying monthly you may have a lower total premium amount.
- Active Military Service – Having a family member in the military may qualify for rate reductions.
- Memberships – Being a member of specific professional or occupational memberships or organizations may earn a discount when shopping for insurance.
- Online Discount – A handful of insurance companies give back up to $50 get Aurora car insurance over the internet.
- Driving Data Discount – Drivers that enable driving data submission to track when and where they use their vehicle by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks as long as they are good drivers.
- Passive Restraints and Air Bags – Vehicles equipped with air bags could see savings of more than 20%.
- Waiver for an Accident – This one isn’t a discount, but some insurance companies will let one accident slide before raising your premiums so long as you are claim-free prior to the accident.
Don’t be surprised that most credits do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky.
The chart below compares Kia Forte annual premium costs with and without discounts applied. The data assumes a male driver, no accidents, no driving violations, Colorado state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, homeowner, claim-free, multi-policy, and marriage discounts applied.
The best insurance companies and some of their more popular discounts can be read below.
- Progressive includes discounts for multi-vehicle, homeowner, online quote discount, continuous coverage, multi-policy, online signing, and good student.
- AAA offers discounts for multi-car, anti-theft, AAA membership discount, multi-policy, good driver, education and occupation, and pay-in-full.
- Farmers Insurance discounts include mature driver, business and professional, teen driver, alternative fuel, multi-car, and youthful driver.
- GEICO offers discounts including air bags, federal employee, membership and employees, anti-theft, emergency military deployment, and good student.
- Esurance has savings for online quote, anti-theft, anti-lock brakes, paid-in-full, and multi-car.
- SAFECO offers premium reductions for accident prevention training, homeowner, drive less, anti-lock brakes, teen safe driver, and teen safety rewards.
- State Farm may include discounts for accident-free, good student, anti-theft, safe vehicle, driver’s education, and multiple policy.
When comparing rates, check with each company or agent which credits you are entitled to. Some credits might not be offered on policies in Aurora. If you would like to view insurers with significant discounts in Aurora, click this link.
Can’t I get rate quotes from local Aurora insurance agents?
Some consumers would prefer to talk to an insurance agent. A good thing about comparing insurance prices online is you can get cheaper rates and also buy local.
To make it easy to find an agent, after completing this quick form, the quote information is sent to local insurance agents in Aurora that give free quotes for your insurance coverage. It makes it easy because there is no need to drive around because quoted prices will be sent to you directly. Get lower rates without a big time investment. If you have a need to quote rates from a specific company, you would need to go to their quote page and complete a quote there.
Finding a good provider should include more criteria than just the bottom line cost. These are some questions you should get answers to.
- Do they have 24-hour customer assistance?
- How many companies do they write for?
- How long has their agency been in business in Aurora?
- Will you get a loaner vehicle if you car is being repaired?
- Are they properly licensed to sell insurance in Colorado?
After you get positive feedback for all questions you ask and locked in a price quote, you’ve probably found an insurer that meets the criteria to provide auto insurance coverage.
You can lower your car insurance rates
Budget-friendly car insurance in Aurora can be sourced from both online companies as well as from insurance agents, and you should be comparing both to have the best chance of lowering rates. A few companies may not offer rates over the internet and most of the time these small, regional companies sell through independent insurance agencies.
Throughout this article, we presented many ideas to lower your Kia Forte insurance prices in Aurora. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting affordable Aurora car insurance quotes. You may even find the best prices are with a smaller regional carrier. Smaller companies often have lower rates on specific markets than their larger competitors like Allstate or State Farm.
For more information, feel free to browse these articles:
- Where can I buy Insurance? (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance Quotes for Uber Drivers in Aurora? (FAQ)
- What is the Cheapest Car Insurance in Aurora, Colorado? (FAQ)
- How Much are Auto Insurance Quotes for 17 Year Olds in Aurora? (FAQ)
- What Insurance is Cheapest for a Honda Civic in Aurora? (FAQ)
- Who Has Cheap Auto Insurance for State Employees in Aurora? (FAQ)
- Alcohol Impaired Driving FAQ (iihs.org)
- Insurance Losses by Make and Model (iihs.org)