Anyone knows that insurance companies don’t want you comparing rates. Drivers who get comparison quotes at least once a year will presumably buy a new policy because there is a high probability of finding a more affordable policy premium. A study showed that consumers who shopped around every year saved on average $865 annually as compared to drivers who never compared prices.
If finding the lowest rates on car insurance in Fresno is your ultimate goal, then learning a little about how to quote and compare coverage rates can help make the process easier and more efficient.
The most effective way to find cheaper Kia Forte insurance in Fresno is to make a habit of comparing prices annually from companies in California. Prices can be compared by following these steps.
- Step 1: Spend some time learning about how car insurance works and the factors you can control to keep rates low. Many factors that cause high rates like tickets, at-fault accidents, and a poor credit score can be improved by making minor driving habit or lifestyle changes. Continue reading for information to get affordable coverage and find additional discounts you may qualify for.
- Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO and Allstate, while independent agents can provide prices for a wide range of companies. View insurance agents
- Step 3: Compare the new quotes to your existing rates to see if switching to a new carrier will save money. If you find a lower rate, make sure there is no lapse in coverage.
The most important part of this process is to make sure you enter the same deductibles and limits on each quote and and to get prices from as many different companies as possible. Doing this guarantees a fair price comparison and the best price quote selection.
Affordable rates with discounts
Insuring your vehicles can cost a lot, but there may be some discounts that can help lower your rates. Many of these discounts will be applied automatically when you complete an application, but some may not be applied and must be requested specifically before they will apply.
- Fresno Homeowners Discount – Being a homeowner can help you save on insurance since owning and maintaining a home shows financial diligence.
- Data Collection Discounts – Insureds who allow their insurance company to look at driving habits by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they exhibit good driving behavior.
- Discounts for Multiple Vehicles – Purchasing coverage when you have all your vehicles with the same company can reduce rates for all insured vehicles.
- Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a lower price if you buy a life policy as well.
- E-sign Discounts – Many larger companies will give a small break simply for signing digitally online.
- Student in College – College-age children who live away from home at college and don’t have a car can be insured at a reduced rate.
- Defensive Driver – Participating in a safe driver course can save you 5% or more and easily pay for the cost of the class.
- Accident Forgiveness – Not really a discount, but some companies like Allstate and GEICO will turn a blind eye to one accident without getting socked with a rate hike so long as you haven’t had any claims prior to the accident.
- Federal Employees – Active or former government employment can save as much as 8% depending on your insurance provider.
- No Accidents – Drivers with accident-free driving histories can earn big discounts when compared with insureds who have frequent claims or accidents.
While discounts sound great, it’s important to understand that some of the credits will not apply to the entire policy premium. Most only reduce the cost of specific coverages such as collision or personal injury protection. So even though you would think adding up those discounts means a free policy, companies wouldn’t make money that way. Any amount of discount will cut your policy premiums.
The chart below shows the difference between Kia Forte insurance premiums with and without discounts applied. The data assumes a male driver, no claims, a clean driving record, California 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 marriage, safe-driver, multi-policy, multi-car, claim-free, and homeowner discounts applied.
Some companies that may have some of the discounts shown above include:
Before purchasing a policy, check with every insurance company to give you their best rates. Some credits may not apply to policyholders everywhere. To locate insurance companies that offer many of these discounts in Fresno, click this link.
Most major insurance companies give price estimates online. Getting online quotes for Kia Forte insurance in Fresno doesn’t take much effort as you simply type in your personal and coverage information into the quote form. Once entered, their system orders information on your driving record and credit history and quotes a price. This simplifies rate comparisons, and it’s also necessary to get many rate quotes if you are searching for cheaper rates.
In order to use this form to compare rates, take a look at the companies shown below. If you have a policy now, it’s recommended you input the insurance coverages just like they are on your policy. This way, you will have rate quotes using the same coverage and limits.
The providers in the list below provide quotes in California. If multiple companies are listed, it’s a good idea that you visit two to three different companies to get a more complete price comparison.
Kia Forte coverage analysis
The data table shown next showcases detailed analysis of coverage prices for Kia Forte models. Being aware of how auto insurance policy rates are formulated can benefit drivers when making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $346 | $520 | $456 | $26 | $136 | $1,484 | $124 |
| Forte EX 4-Dr Sedan | $346 | $520 | $456 | $26 | $136 | $1,484 | $124 |
| Forte SX 4-Dr Sedan | $390 | $632 | $456 | $26 | $136 | $1,640 | $137 |
| Forte EX 2-Dr Coupe | $390 | $744 | $514 | $30 | $154 | $1,832 | $153 |
| Forte SX 2-Dr Coupe | $390 | $744 | $514 | $30 | $154 | $1,832 | $153 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Price estimates do not factor in specific location which can decrease or increase coverage rates considerably.
Raise deductibles and save
The hardest decision when buying coverage is how low should you set your deductibles. The rates below may help you to understand the premium difference between high and low physical damage deductibles. The first rate table uses a $250 deductible for physical damage and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $342 | $472 | $442 | $26 | $132 | $1,439 | $120 |
| Forte EX 4-Dr Sedan | $342 | $472 | $442 | $26 | $132 | $1,439 | $120 |
| Forte SX 4-Dr Sedan | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| Forte EX 2-Dr Coupe | $386 | $678 | $500 | $30 | $150 | $1,769 | $147 |
| Forte SX 2-Dr Coupe | $386 | $678 | $500 | $30 | $150 | $1,769 | $147 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $210 | $298 | $442 | $26 | $132 | $1,108 | $92 |
| Forte EX 4-Dr Sedan | $210 | $298 | $442 | $26 | $132 | $1,108 | $92 |
| Forte SX 4-Dr Sedan | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Forte EX 2-Dr Coupe | $238 | $426 | $500 | $30 | $150 | $1,344 | $112 |
| Forte SX 2-Dr Coupe | $238 | $426 | $500 | $30 | $150 | $1,344 | $112 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Premium costs do not factor in specific location information which can alter auto insurance rates noticeably.
Based on this data, using a $250 deductible costs roughly $31 more each month or $372 every year averaged for all Forte models than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 24 months between claim filings, you would probably come out ahead going with the higher deductible.
Calculate deductible break even point
| Average monthly premium for $250 deductibles: | $133 |
| Average monthly premium for $1,000 deductibles (subtract): | – $102 |
| Monthly savings from raising deductible: | $31 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $31 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 24 months |
Insurance rates by gender and age
The information below shows the difference between Kia Forte car insurance rates for male and female drivers. The rates are based on a clean driving record, no claims, full coverage, $100 deductibles, single marital status, and no discounts are applied.
Kia Forte Insurance Premium Factors
The best way to find cheaper auto insurance is to take a look at some of the things that are used to determine the rates you pay for auto insurance. When consumers understand what controls the rates you pay, this empowers consumers to make smart changes that can help you get big savings. Many things are part of the calculation when you quote your car insurance policy. Some factors are common sense like an MVR report, but some are more transparent like your continuous coverage or your vehicle rating.
The itemized list below are some of the items companies use to determine your premiums.
Only buy coverage you need – Insurance companies have many additional extra coverages that may not really be needed on your Forte policy. Insurance for things like personal injury protection, towing coverage, and term life insurance are probably not needed. They may seem good when talking to your agent, but if they’re wasting money eliminate them to save money.
Auto insurance policy lapses increase rates – Going without insurance will be a fast way to increase your renewal premiums. Not only will you pay higher rates, getting caught without coverage can result in a hefty fine and possibly a revoked license. You may then have to submit proof of financial responsibility or a SR-22 with the California motor vehicle department to get your license reinstated.
Performance influences costs – The type of car you are buying insurance for makes a big difference in your auto insurance rates. The cheapest insurance rates are for small economy passenger models, but your final cost has many other factors.
The next chart assumes a married female driver age 20, full coverage with $100 deductibles, and no discounts or violations. It compares Kia Forte policy rates compared to other models that have different performance risks.
Companies want multiple policies – Lots of auto insurance companies afford better rates for people who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to compare Kia Forte rates in Fresno to make sure you are getting the best deal. It’s possible to still find better rates by splitting coverages up.
High premiums for younger drivers – Teenage drivers in California are proven to be inattentive and easily distracted when driving so auto insurance rates are higher. Having to add a teen driver to your policy can break the bank. Mature drivers are shown to be more cautious, file fewer claims, and are safer drivers.
The next chart uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.
Kia Forte insurance loss probability – Insurers use claims history to help calculate premium rates. Models that the data determines to have increased claim numbers or amounts will have higher rates for specific coverages. The table below demonstrates the loss history for Kia Forte vehicles.
For each coverage category, the claim amount for all vehicles, without regard to make or model, is considered to be 100. Percentage values below 100 represent a good loss history, while values that are above 100 point to more claims or a tendency for losses to be larger than average.
| 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 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
It’s not one size fits all
When it comes to choosing coverage, there really is not a best way to insure your cars. You are unique.
For instance, these questions may help highlight whether or not you might need professional guidance.
- Do I need replacement cost coverage on my Kia Forte?
- What are the financial responsibility laws in my state?
- What is the minimum liability in California?
- Is my camper covered by my car insurance policy?
- Is my Kia Forte covered for smoke damage?
- Should I sign the liability waiver when renting a car?
- Can I afford to pay high deductible claims out of pocket?
If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.
Comparing quotes from local Fresno insurance agents
Certain consumers still prefer to get professional advice from a licensed agent and that is recommended in a lot of cases The best thing about comparing rate quotes online is that drivers can save money and get cheap car insurance quotes and still choose a local agent. And providing support for local insurance agencies is still important in Fresno.
Upon completion of this quick form, your information is submitted to local insurance agents in Fresno who will gladly provide quotes for your coverage. You won’t need to search for any insurance agencies since rate quotes are delivered to you directly. You’ll get the best rates and work with a local agent. If you need to get a rate quote for a specific company, you can always jump over to their website and fill out the quote form the provide.
Selecting an insurance company requires more thought than just the price. These are some questions your agent should answer.
- Has the agent ever had any license suspensions?
- Do they offer rental car reimbursement?
- What company do they have the most business with?
- How long have they worked with personal auto insurance coverage?
- Do you need full coverage on every vehicle?
- Where would glass claims be handled in Fresno?
- Does the company allow you to choose your own collision repair facility?
Why you need quality insurance for your Kia Forte
Despite the high cost of buying insurance for a Kia Forte in Fresno, auto insurance may be required and benefits you in several ways.
- The majority of states have mandatory insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability protection if you drive a vehicle. 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 have a lien on your Kia Forte, almost all lenders will make it mandatory that you carry insurance to protect their interest in the vehicle. If you do not keep the policy in force, the lender may have to buy a policy to insure your Kia for a lot more money and require you to pay a much higher amount than you were paying before.
- Auto insurance protects your Kia and your assets. It will also pay for medical expenses for yourself as well as anyone injured by you. Liability coverage also pays expenses related to your legal defense if you are sued as the result of an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will cover the repair costs.
The benefits of insuring your Forte more than cancel out the cost, especially if you ever need it. As of last year, the average driver in California is wasting up to $820 a year so smart consumers compare quotes at every renewal to save money.
Best car insurance company in Fresno
Selecting the right auto insurance provider can be a challenge considering how many choices there are in California. The rank data below could help you choose which auto insurance companies you want to consider when comparing rate quotes.
Top 10 Fresno Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Top 10 Fresno Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Smart shoppers get results
As you shop your coverage around, it’s a bad idea to reduce coverage to reduce premium. There are too many instances where drivers have reduced uninsured motorist or liability limits only to find out that they should have had better coverage. Your goal should be to buy enough coverage at the best cost, but do not skimp to save money.
In this article, we presented a lot of techniques to lower your Kia Forte insurance prices in Fresno. The most important thing to understand is the more rate quotes you have, the higher your chance of finding cheaper Fresno car insurance quotes. You may even be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising.
The cheapest Kia Forte insurance in Fresno can be bought from both online companies and from local agencies, and you should compare price quotes from both to get a complete price analysis. Some insurance providers don’t offer the ability to get a quote online and many times these smaller providers work with independent agents.
To read more, feel free to browse the resources below:
- Safety Features for Your New Car (State Farm)
- How Much is Fresno Auto Insurance for a Hyundai Elantra? (FAQ)
- What Auto Insurance is Cheapest for a Dodge Ram in Fresno? (FAQ)
- How Much is Fresno Car Insurance for a GMC Acadia? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Retired Military in Fresno? (FAQ)
- How Much are Fresno Car Insurance Rates for a Kia Optima? (FAQ)
- Car Insurance: When not to Skimp (BankRate.com)
- Reducing Your Risks in a Car Crash Video (iihs.org)