Smart shoppers know that insurance companies don’t want policyholders to shop around. People who get price quotes annually will presumably switch car insurance companies because of the high probability of finding more affordable rates. Remarkably, a study showed that drivers who compared rate quotes regularly saved on average $850 each year compared to policyholders who never shopped around.
If finding the best rates on Kia Forte insurance in San Francisco is your goal, then having some knowledge of how to shop and compare insurance rates can save money and time.
The recommended way to find cheaper Kia Forte insurance in San Francisco is to regularly compare price quotes from companies in California. This can be done by completing these steps.
- It will benefit you to learn about individual coverages and the modifications you can make to drop your rates. Many rating factors that drive up the price such as getting speeding tickets and a negative credit score can be remedied by improving your driving habits or financial responsibility. This article provides more ideas to keep prices down and get discounts that may be available to you.
- Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like GEICO and State Farm, while independent agencies can provide prices from many different companies.
- Compare the new rates to your current policy to see if a cheaper price is available in San Francisco. If you find a better price and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
An important bit of advice to remember is to compare identical coverages on each quote request and and to analyze every company you can. This helps ensure a fair price comparison and a thorough price selection.
These discounts can lower your auto insurance quotes
Companies offering auto insurance do not list every discount very well, so the following list contains a few of the more well known and the more hidden credits that may apply to you.
- Life Insurance Discount – If the company offers life insurance, you could get better auto insurance rates if you take out life insurance.
- Discount for Swiching Early – Some insurance companies reward drivers for buying a new policy before your current Forte insurance policy expires. It can save you around 10%.
- Low Mileage – Fewer annual miles on your Kia can qualify you for lower rates due to less chance of an accident.
- Use Seat Belts – Drivers who require all occupants to buckle their seat belts may be able to save a few bucks off the personal injury premium cost.
- Federal Government Employee – Employees or retirees of the government could provide a small rate reduction depending on your company.
- Air Bag Discount – Options like air bags or automatic seat belts can qualify for discounts up to 30%.
- Multi-Vehicle Discounts – Buying coverage for multiple cars or trucks on a single policy qualifies for this discount.
- Accident Free – Insureds with no claims or accidents are rewarded with significantly better rates on San Francisco auto insurance quote as opposed to drivers with a long claim history.
While discounts sound great, it’s important to understand that some credits don’t apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky.
The illustration below illustrates the comparison of Kia Forte premium costs with and without discounts applied to the policy premium. The rates are based on a female driver, a clean driving record, no claims, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-policy, marriage, multi-car, and claim-free discounts applied.
Popular auto insurance companies and a partial list of their discounts are detailed below.
- GEICO has discounts for multi-vehicle, defensive driver, multi-policy, military active duty, good student, and air bags.
- Travelers offers premium reductions for multi-policy, continuous insurance, save driver, hybrid/electric vehicle, IntelliDrive, and payment discounts.
- Nationwide may have discounts that include accident-free, easy pay, anti-theft, Farm Bureau membership, and good student.
- Farmers Insurance offers discounts including good student, alternative fuel, business and professional, mature driver, switch companies, teen driver, and pay in full.
- Esurance may include discounts for homeowner, Pac-12 alumni, renters, online shopper, good student, and anti-lock brakes.
- State Farm may offer discounts for good driver, student away at school, multiple autos, driver’s education, and safe vehicle.
- Progressive discounts include homeowner, continuous coverage, multi-vehicle, multi-policy, online signing, online quote discount, and good student.
- Mercury Insurance has savings for accident-free, professional/association, ease of repair, location of vehicle, good driver, annual mileage, and multi-car.
It’s a good idea to ask every company how you can save money. A few discounts might not apply in your state. To find providers that offer the discounts shown above in California, click here to view.
The are a couple different ways of comparing rates from auto insurance companies in your area. One of the best ways to find cheaper Kia Forte rates consists of obtaining rate quotes online.
Comparing free rate quotes online is easy and it, makes it obsolete to go to insurance agents’ offices. Comparing online rate quotes has made agencies unnecessary unless your situation requires the personal advice of an agent trained in personal lines coverage. You can, however, comparison shop online and get advice from an agent in your area. When comparing auto insurance rates, know that more quotes provides better odds of finding more affordable rates. Some regional insurers cannot provide San Francisco Forte insurance quotes over the internet, so it’s important to also get rates from the smaller companies as well.
The following companies have been selected to offer free rate quotes in California. If several companies are displayed, we recommend you visit as many as you can to get the most competitive price.
Analysis of Kia Forte rates
The coverage information shown next highlights detailed analysis of policy rates for Kia Forte models. Having insight into how car insurance prices are calculated can aid in making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $328 | $534 | $574 | $34 | $172 | $1,642 | $137 |
| Forte EX 4-Dr Sedan | $328 | $534 | $574 | $34 | $172 | $1,642 | $137 |
| Forte SX 4-Dr Sedan | $370 | $650 | $574 | $34 | $172 | $1,800 | $150 |
| Forte EX 2-Dr Coupe | $370 | $766 | $650 | $38 | $194 | $2,018 | $168 |
| Forte SX 2-Dr Coupe | $370 | $766 | $650 | $38 | $194 | $2,018 | $168 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Rate information does not factor in specific San Francisco garaging location which can decrease or increase auto insurance rates noticeably.
Raise deductibles and save
One of the more difficult decisions when buying car insurance is which deductible level should you buy. The data tables below may help to illustrate the rate difference of buying low and high physical damage deductibles. The first set of rates uses a $100 deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Forte EX 4-Dr Sedan | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Forte SX 4-Dr Sedan | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Forte EX 2-Dr Coupe | $430 | $810 | $500 | $30 | $150 | $1,945 | $162 |
| Forte SX 2-Dr Coupe | $430 | $810 | $500 | $30 | $150 | $1,945 | $162 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Forte EX 4-Dr Sedan | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Forte SX 4-Dr Sedan | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Forte EX 2-Dr Coupe | $314 | $546 | $500 | $30 | $150 | $1,540 | $128 |
| Forte SX 2-Dr Coupe | $314 | $546 | $500 | $30 | $150 | $1,540 | $128 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Estimates do not factor in specific zip code location which can increase or decrease coverage prices significantly.
Based on this data, we can arrive at the conclusion that using a $100 deductible costs an average of $30 more each month or $360 every year across all Kia Forte models than quoting the higher $500 deductible. Since you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 13 months between claim filings, you would save money going with the higher deductible.
Impact of speeding/accidents on San Francisco car insurance rates
The information below demonstrates how citations and accidents impact Kia Forte insurance premiums for different age groups of insureds. The rate quotes are based on a single female driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.
Full coverage rates compared to liability-only
The information below shows the comparison of Kia Forte auto insurance rates with full physical damage coverage and with liability coverage only. Data assumes a clean driving record, no claims, $100 deductibles, drivers are not married, and no other discounts are factored in.
When to drop full coverage
There isn’t a steadfast formula of when to stop paying for full coverage, but there is a general guideline. If the annual cost of your full coverage insurance is about 10% or more of any settlement you would receive from your insurance 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 $5,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after you pay the deductible. If premiums are more than $400 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are some conditions where buying only liability insurance is not financially feasible. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not opt for liability only.
Informed Decisions Result in Lower Insurance Costs
When buying auto insurance it’s important to understand the factors that aid in calculating the rates you pay for auto insurance. When you know what positively or negatively controls the rates you pay, this allows you to make good choices that can earn you lower premium levels. Many factors are part of the equation when you get a price on insurance. Some of the criteria are obvious such as your driving history, although others are not quite as obvious such as whether you are married or how safe your car is.
The items below are some of the things utilized by car insurance companies to help set premiums.
- Bundle policies and save money – Most insurers afford better rates to clients that have more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s always a smart idea to compare Kia Forte rates in San Francisco to help guarantee you have the best rates.
- Liability risk factors – A critical coverage on your policy, liability insurance is the coverage that protects you when you are determined to be liable for damages from an accident. Your policy’s liability insurance provides legal defense which can cost a lot. This coverage is relatively inexpensive when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
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More performance means higher prices – The type of car, truck or SUV you need to insure makes a significant difference in your premium level. The lowest rates will generally be found on low performance passenger models, but the final cost of insurance is determined by many other factors.
The next chart assumes a married female driver age 40, full coverage with $250 deductibles, and no discounts or violations. It compares Kia Forte rates compared to other models of vehicles that have a range of risk factors.
- Incidental coverages that may not be needed – There are quite a few add-on coverages that you can get tricked into buying if you aren’t diligent. Add-on coverages like replacement cost coverage, towing coverage, and Farm Bureau memberships are some examples. These may sound like a good investment when buying your policy, but if you’ve never needed them in the past remove them and pocket the money.
- Never allow your auto insurance to lapse – Going without insurance is a fast way to bump up your auto insurance costs. Not only will you pay higher rates, getting caught without coverage will get you a revoked license or a big fine. You may need to provide proof of insurance in the form of an SR-22 filing with the California DMV.
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Loss statistics for a Kia Forte – Insurers use historical loss data to help determine the rate you pay. Vehicles that historically have higher losses will cost more for coverage.
The data below shows the collected loss data for Kia Forte vehicles. For each type of coverage, the statistical loss for all vehicles compiled together is equal to 100. Numbers below 100 mean the vehicle has better than average losses, while percentages above 100 indicate higher probability of having a loss or larger claims.
Kia Forte Insurance Loss Statistics Vehicle Make and 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
Statistics from IIHS.org for 2013-2015 Model Years
Your situation helps dictate your coverage
When choosing adequate coverage, there isn’t really a perfect coverage plan. Each situation is unique.
Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.
- Does every company file a SR-22 automatically?
- Will damage be repaired with OEM parts?
- When does my teenage driver need to be added to my policy?
- Should I have combined single limit or split liability limits?
- What is an umbrella policy?
- How many claims can I have before being canceled?
- How can I get my company to pay me more for my totaled car?
- Am I covered if I hit my neighbor’s mailbox?
- How high should deductibles be on a Kia Forte?
If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form.
Are auto insurance agents a thing of the past?
Certain consumers just prefer to get advice from a local agent and that is OK! A good thing about price shopping on the web is you may find the lowest rates and still buy from a local agent. And providing support for local insurance agencies is especially important in San Francisco.
After filling out this simple form, the quote information gets sent to companies in San Francisco who will give you quotes to get your business. You won’t need to contact any agents because prices are sent to you directly. You can most likely find cheaper rates without the usual hassles of price shopping. In the event you want to get a comparison quote from a particular provider, you just need to visit that company’s website and complete a quote there.
Shown below are San Francisco insurers that can give you price quotes for Kia Forte insurance in San Francisco.
Sandy Lee – State Farm Insurance Agent
188 S Park St #4 – San Francisco, CA 94107 – (415) 227-9833 – View Map
Toan Tieu – State Farm Insurance Agent
690 Monterey Blvd – San Francisco, CA 94127 – (415) 610-8000 – View Map
Ron Burks – State Farm Insurance Agent
220 Montgomery St #480 – San Francisco, CA 94104 – (415) 397-2994 – View Map
Jake Ng – State Farm Insurance Agent
1643 Noriega St – San Francisco, CA 94122 – (415) 564-0333 – View Map
Deciding on an insurer should include more criteria than just the premium amount. Get answers to these questions too.
- Do they reduce claim amounts on high mileage vehicles?
- Can you choose the body shop in case repairs are needed?
- Do you qualify for any additional discounts?
- Which members of your family are coverage by the policy?
- Do they have a Better Business Bureau rating in San Francisco?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Which company do they place the most coverage with?
- Do they make recommendations based only on price?
Why you need insurance for your Forte
Despite the potentially high cost of Kia Forte insurance, maintaining insurance serves several important purposes.
- Most states have minimum liability requirements which means the state requires specific limits of liability in order to drive the car legally. In California 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.
- If you took out a loan on your vehicle, it’s guaranteed your bank will stipulate that you buy insurance to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Kia for a much higher rate and force you to reimburse them the higher price.
- Insurance protects both your car and your personal assets. It will also provide coverage for medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance will also pay for a defense attorney if you are sued as the result of your driving. If your car is damaged in a storm or accident, your auto insurance policy will pay to repair the damage.
The benefits of having insurance are definitely more than the cost, especially when you need to use it. On average, a vehicle owner in San Francisco is overpaying more than $850 per year so we recommend shopping around each time the policy renews to be sure current rates are still competitive.
In conclusion
People switch companies for many reasons like an unsatisfactory settlement offer, not issuing a premium refund, denial of a claim or even high rates after DUI convictions. It doesn’t matter why you want to switch choosing a new company is less work than it seems.
We just covered quite a bit of information on how to save on Kia Forte insurance in San Francisco. The key concept to understand is the more you quote San Francisco auto insurance, the higher your chance of finding low cost San Francisco auto insurance quotes. Consumers may even find the best rates are with a company that doesn’t do a lot of advertising.
While you’re price shopping online, do not skimp on coverage in order to save money. In many instances, consumers will sacrifice liability coverage limits to discover at claim time they didn’t have enough coverage. The aim is to get the best coverage possible at the best possible price while not skimping on critical coverages.
To read more, take a look at the resources below:
- Airbag FAQ (iihs.org)
- Who Has Cheap Auto Insurance for a Honda Civic in San Francisco? (FAQ)
- How Much is Auto Insurance for a Dodge Grand Caravan in San Francisco? (FAQ)
- Who Has Affordable Car Insurance for Good Students in San Francisco? (FAQ)
- What Insurance is Cheapest for 4×4 Vehicles in San Francisco? (FAQ)
- Who Has the Cheapest Car Insurance for a Nissan Altima in San Francisco? (FAQ)
- Who Has Cheap Auto Insurance Quotes for College Students in San Francisco? (FAQ)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)