Compare Kia Forte Insurance Quotes in Plano

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Sad but true, a large majority of consumers have purchased from the same company for at least four years, and roughly 40% of drivers have never compared rate quotes at all. Many drivers in the U.S. could save nearly $860 every year just by getting comparison quotes, but they just assume it takes a lot of time to compare rate quotes online.

Discount Kia Forte insuranceThe recommended way to find low-cost prices for Kia Forte insurance in Plano is to do a yearly price comparison from companies who sell insurance in Texas. Rate comparisons can be done by completing these steps.

  1. Try to understand auto insurance and the factors you can control to keep rates in check. Many policy risk factors that result in higher rates such as speeding and poor credit history can be remedied by paying attention to minor details. Read the full article for more ideas to get cheaper rates and get bigger discounts.
  2. Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like Progressive or Farmers Insurance, while independent agencies can quote prices from multiple sources.
  3. Compare the new quotes to your existing policy and determine if cheaper Forte coverage is available. If you find a better price and change companies, make sure coverage does not lapse between policies.

One bit of advice is that you'll want to make sure you compare identical limits and deductibles on each price quote and and to get quotes from every company you can. This provides a level playing field and the best rate selection.

If you have coverage now or are shopping for new coverage, you can learn to save money without sacrificing coverage. Buying the cheapest auto insurance in Plano is quite easy if you know the best way to do it. Vehicle owners just have to use the tricks to find the lowest price over the internet.

Plano Insurance Prices are Influenced by These Factors

Many different elements are taken into consideration when quoting car insurance. A few of the factors are predictable like an MVR report, although some other factors are less apparent like your vehicle usage or your vehicle rating. A large part of saving on auto insurance is knowing some of the factors that aid in calculating the level of your policy premiums. If you have a feel for what determines premiums, this allows you to make good choices that could result in better auto insurance rates.

The list below includes some of the major factors companies use to determine your prices.

Policy add-ons can waste money - Insurance policies have a lot of extra add-on coverages that sound like a good idea at the time but may not be useful. Add-on coverages like personal injury protection, towing, and term life insurance could be just wasting money. They may seem good at first, but now you might not need them so remove them from your policy.

Infrequent drivers can save - The more miles you rack up on your Kia every year the more it will cost to insure it. A lot of insurance companies calculate prices determined by how the vehicle is used. Cars and trucks not used for work or commuting receive better premium rates than cars that get driven a lot. Make sure your policy is showing the correct usage for each vehicle. An incorrectly rated Forte may be wasting your money.

Battle of the sexes - Statistics have proven that women are safer drivers than men. It does not mean females are better drivers. Men and women are responsible for fender benders in similar numbers, but the men cause more damage and cost insurance companies more money. Men also tend to get higher numbers of serious violations like driving under the influence (DUI). Males from age 16 to 21 generally have the highest accident percentage and therefore have the most expensive auto insurance rates.

The example below shows the comparison of Kia Forte auto insurance costs for male and female drivers. The premiums are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are factored in.

Teenagers vs. mature drivers - Older insureds are more cautious drivers, cause fewer claims and accidents, and are safer drivers. Inexperience drivers have a tendency to be less responsible when driving with friends so auto insurance rates are higher.

The following chart uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.

Urban residents pay more - Living in small towns and rural areas is a positive aspect when shopping for auto insurance. City drivers regularly have much more traffic and a longer drive to work. Less people living in that area means less chance of accidents in addition to fewer liability claims.

Save money with higher coverage deductibles - Comprehensive and collision coverage deductibles represent how much money you are willing to pay out-of-pocket in the event of a claim. Protection for physical damage, also called comprehensive and collision insurance, is used to repair damage to your car. Some coverage claims could be colliding with a stationary object, vandalism, and damage caused by road hazards. The more of the claim you have to pay, the less your company will charge you for insurance.

Reserve claims for larger damages - If you're an insured who likes to file claims you can definitely plan on higher premiums or even policy non-renewal. Car insurance companies in Texas provide most affordable rates to insureds who do not file claims often. Your car insurance is designed for claims that pose a financial burden.

Accidents hurt - A bad driving record impacts your car insurance rates tremendously. Attentive drivers pay lower auto insurance prices compared to bad drivers. Just one chargeable violation can increase the cost of insurance by as much as twenty percent. Drivers who get dangerous violations like DUI or reckless driving may need to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.

The diagram below highlights how speeding tickets and at-fault claims impact Kia Forte yearly insurance costs for different age groups. The premiums are based on a married male driver, comp and collision included, $250 deductibles, and no other discounts are factored in.

Kia Forte insurance loss probability - Insurance companies analyze claim trends for every vehicle to help set a rate to offset losses. Models that the statistics show to have higher losses will be charged more to insure. The next table illustrates the compiled insurance loss statistics for Kia Forte vehicles.

For each policy coverage type, the claim probability for all vehicles, as a total average, is a value of 100. Values that are below 100 indicate better than average losses, while values that are above 100 show a trend for more claims or a tendency for claims to be larger.

Kia Forte Insurance Loss Statistics
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
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years

The providers in the list below can provide comparison quotes in Plano, TX. If you wish to find the best auto insurance in Plano, it's a good idea that you visit several of them to find the cheapest auto insurance rates.

Statistics and details

The table shown below outlines detailed analysis of prices for Kia Forte models. Learning a little about how insurance policy rates are determined is important for you to make smart choices when purchasing an insurance policy.

Kia Forte Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $272 $328 $500 $30 $150 $1,280 $107
Forte EX 4-Dr Sedan $272 $328 $500 $30 $150 $1,280 $107
Forte SX 4-Dr Sedan $308 $400 $500 $30 $150 $1,388 $116
Forte EX 2-Dr Coupe $308 $472 $564 $34 $168 $1,546 $129
Forte SX 2-Dr Coupe $308 $472 $564 $34 $168 $1,546 $129
Get Your Own Custom Quote Go

Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Table data does not factor in vehicle location which can alter coverage prices greatly.

Choosing deductibles

One common question asked by Plano drivers is which deductible level should you buy. The rates shown below approximate the costs and benefits between high and low comp and collision deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.

Kia Forte insurance premium rates 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
Get Your Own Custom Quote Go
Kia Forte insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $182 $256 $382 $22 $114 $956 $80
Forte EX 4-Dr Sedan $182 $256 $382 $22 $114 $956 $80
Forte SX 4-Dr Sedan $206 $312 $382 $22 $114 $1,036 $86
Forte EX 2-Dr Coupe $206 $368 $430 $26 $128 $1,158 $97
Forte SX 2-Dr Coupe $206 $368 $430 $26 $128 $1,158 $97
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in specific location information which can lower or raise price quotes considerably.

We can derive from the above data that using a $250 deductible costs an average of $27 more each month or $324 annually across all Kia Forte models than opting for the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you go more than 28 months between claim filings, you would most likely save money if you elect the higher deductible. The numbers below show an example of how this determination is made.

Average monthly premium for $250 deductibles: $115
Average monthly premium for $1,000 deductibles (subtract): - $88
Monthly savings from raising deductible: $27
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $27
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 28 months

One important issue to know is that increasing deductibles to save money results in having to pay to pay more out-of-pocket when you file a claim. You need to have some savings in the bank in order to pay the higher deductible.

The example below highlights how deductible choice and can influence Kia Forte insurance rates for each age group. The costs are based on a single female driver, full coverage, and no other discounts are factored in.

How much more does full coverage cost?

The chart below shows the difference between Kia Forte insurance premiums when comparing full coverage to liability only. The information is based on no tickets, no at-fault accidents, $250 deductibles, single marital status, and no other discounts are factored in.

When to switch to liability coverage only

There is no definitive rule that works best for making the decision to drop physical damage insurance, but there is a general school of thought. If the annual cost of your full coverage insurance is more than 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let's say your Kia Forte book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $4,000 after you pay the deductible. If you are paying over $400 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some scenarios where dropping physical damage coverage is not advised. 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 cannot afford to purchase a different vehicle in the even your car is totaled, you should not remove full coverage.

Three reasons to not skimp on insurance

Despite the high insurance cost for a Kia Forte in Plano, insurance is required for several reasons.

First, most states have compulsory liability insurance requirements which means state laws require specific limits of liability insurance in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you took out a loan on your Kia Forte, most banks will force you to buy full coverage to guarantee their interest in the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Kia at an extremely high rate and require you to fork over the higher premium.

Third, insurance protects both your assets and your car. It also can pay for medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your Kia gets damaged, collision and comprehensive coverages will pay to have it repaired.

The benefits of carrying enough insurance outweigh the cost, particularly when you have a large claim. As of last year, the average driver in Texas is overpaying over $865 each year so you should quote and compare rates every year to ensure rates are competitive.

Cheaper rates by receiving discounts

Auto insurance is not cheap nor is it fun to buy but there's a good chance there are discounts to cut the cost considerably. Certain discounts will be applied at the time of quoting, but a few need to be asked for before they will apply.Discount auto insurance

  • Service Members Pay Less - Being on active deployment in the military can result in better auto insurance rates.
  • Accident Forgiveness - Not really a discount, but some insurance companies allow you one accident before they charge you more for coverage if you are claim-free prior to being involved in the accident.
  • Drive Less and Save - Keeping the miles down on your Kia could earn better auto insurance rates on cars that stay parked.
  • Student Discount for Driver Training - Cut your cost by having your teen driver enroll and complete driver's education in school or through a local driver safety program.
  • Life Insurance - Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance from them.
  • Payment Discounts - By paying your entire bill at once instead of paying each month you could save 5% or more.
  • Buy New and Save - Buying auto insurance coverage on a new vehicle can cost up to 25% less because newer models keep occupants safer.
  • Distant College Student Discount - Any of your kids living away from Plano attending college and don't have a car may be insured at a cheaper rate.

It's important to note that most of the big mark downs will not be given to the overall cost of the policy. Most only cut individual premiums such as comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, companies wouldn't make money that way.

The chart below visualizes the comparison of Kia Forte car insurance costs with and without discounts being applied to the rates. The premiums assume a female driver, no violations or accidents, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, homeowner, safe-driver, multi-car, and multi-policy discounts applied.

To find providers who offer free Kia Forte insurance quotes in Texas, click here.

Are insurance agents a thing of the past?

Many drivers would rather visit with an insurance agent and that is just fine! Licensed agents can help you build your policy and help submit paperwork. The best thing about comparing rate quotes online is that you can obtain cheap rate quotes and also buy local.

Find insurance agent in PlanoOnce you complete this short form, the quote information is sent to agents in your area who will return price quotes and help you find cheaper coverage. You never need to find an agent because quoted prices will be sent directly to your email. If you want to compare rates for a specific company, feel free to navigate to their website to submit a rate quote request.

Selecting a insurer should depend on more than just the bottom line cost. These are valid questions to ask:

  • If you have an accident, will your rates go up?
  • Are they primarily personal or commercial lines agents in Plano?
  • Which members of your family are coverage by the policy?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Are they giving you every discount you deserve?
  • Can you choose the body shop in case repairs are needed?
  • Are they paid to recommend certain coverages?
  • Is the agent properly licensed in Texas?

Exclusive agents vs. Independent agents

When narrowing the list to find a good Plano insurance agent, you need to know there are two different types of agencies from which to choose. Agents are either independent agents or exclusive agents depending on their employer. Both can sell and service auto insurance coverage, but it's important to point out why they differ because it can influence which agent you choose.

Exclusive Insurance Agents

These type of agents can only provide one company's prices and some examples include State Farm, Allstate, or Farmers Insurance. They generally cannot provide other company's prices so it's a take it or leave it situation. Exclusive agencies are well schooled on their company's products which helps them compete with independent agents.

Below are exclusive insurance agencies in Plano that are able to give price quote information.


280 Legacy Dr #250 - Plano, TX 75023 - (972) 575-9100 - View Map


1721 W Plano Pkwy Ste 127 - Plano, TX 75075 - (972) 596-5511 - View Map


8612 Preston Rd d119 - Plano, TX 75024 - (972) 384-2660 - View Map

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Independent Auto Insurance Agencies

Agents that elect to be independent often have affiliation with several companies so they have the ability to put coverage amongst many companies and find you the best rates. If you are not satisfied with one company, your agent can just switch to a different company which makes it simple for you.

When comparing auto insurance prices, it's a good idea to compare quotes from multiple independent agents for the best price selection.

Below is a list of independent agents in Plano that can give you rate quotes.


1110 E Parker Rd #106 - Plano, TX 75074 - (972) 200-5070 - View Map


3415 Custer Rd #161 - Plano, TX 75023 - (972) 964-4825 - View Map


903 18th St Ste 124 - Plano, TX 75074 - (972) 424-4209 - View Map

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Upon receiving good responses for all questions you ask as well as offering an affordable quote, you have narrowed it down to an insurance agency that is a good match to insure your vehicles. But keep in mind it's your coverage and you can terminate coverage whenever you choose to so never feel you are locked into any specific company indefinitely.

A little work can save a LOT of money

Some insurance companies do not offer online price quotes and usually these regional carriers only sell coverage through independent agencies. Affordable Kia Forte insurance in Plano can be sourced online as well as from independent agents in Plano, so you need to compare both to have the best rate selection.

You just learned a lot of techniques to reduce Kia Forte insurance prices online in Plano. The most important thing to understand is the more companies you get rates for, the higher your chance of finding the cheapest Kia Forte rate quotes. You may even be surprised to find that the lowest prices come from a small mutual company. These smaller insurers may have significantly lower rates on certain market segments than their larger competitors like Allstate or State Farm.

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