Save Money on Kia Forte Insurance in Fort Wayne

Insurance quote for Kia Forte in Fort WayneThe preferred way to find affordable quotes for Kia Forte insurance is to compare quotes once a year from companies that sell auto insurance in Fort Wayne.

Step 1: Gain an understanding of coverages and the factors you can control to drop your rates. Many rating criteria that drive up the price like traffic violations, accidents, and a negative credit score can be remedied by improving your driving habits or financial responsibility. Continue reading for additional ideas to help prevent costly coverage and find discounts that you may qualify for.

Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from a single company like GEICO or Farmers Insurance, while agents who are independent can quote prices for a wide range of companies.

Step 3: Compare the quotes to the price on your current policy to see if a cheaper price is available. If you find better rates and switch companies, verify that coverage does not lapse between policies.

One important bit of advice is to try to use similar coverage information on every price quote and and to get rate quotes from all possible companies. Doing this provides a fair rate comparison and the best price selection.

It’s an obvious statement that insurance companies don’t want their policyholders to compare prices. Drivers who shop around at least once a year are inclined to switch companies because they have good chances of getting low-cost coverage. A survey found that drivers who faithfully checked for cheaper rates saved as much as $3,400 over four years as compared to drivers who never compared rates.

If finding the most affordable car insurance in Fort Wayne is your ultimate objective, then having an understanding of the best way to quote and compare auto insurance can make it easier to find better rates.

This article’s intent is to help educate you on the best way to buy inexpensive auto insurance and how you can save the most money. If you have auto insurance now, you should be able to reduce premiums using the tips covered below. You just have to use the quickest method to compare different rates from many different companies online.

First Step: Get free Kia Forte insurance quotes

Finding low cost Fort Wayne insurance quotes is pretty simple and can save money. The only thing you need to do is take a few minutes getting comparison quotes from some recommended companies.

The providers in the list below are our best choices to provide price quotes in Fort Wayne, IN. If you want the best auto insurance in Fort Wayne, we suggest you visit several of them in order to find the most affordable rates.

Fort Wayne car insurance discounts

Companies offering auto insurance don’t necessarily list the entire discount list very clearly, so we researched both well-publicized and also the more inconspicuous credits available to bring down your rates.Discount car insurance

As is typical with insurance, many deductions do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

The example below illustrates the difference between Kia Forte car insurance rates with and without policy discounts. The premium estimates are based on a female driver, no violations or accidents, Indiana state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, safe-driver, claim-free, homeowner, and marriage discounts applied.

A list of car insurance companies and the discounts they provide include:

It’s a good idea to ask all the companies to apply every possible discount. All car insurance discounts might not be available to policyholders in Fort Wayne. To choose insurance companies with significant discounts in Indiana, click this link.

Coverage statistics and figures

The coverage information displayed below covers different insurance rates for Kia Forte models. Learning more about how insurance premiums are formulated can help guide drivers when making informed purchases.

Kia Forte Insurance Rates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $130 $186 $286 $16 $86 $704 $59
Forte EX 4-Dr Sedan $130 $186 $286 $16 $86 $704 $59
Forte SX 4-Dr Sedan $146 $226 $286 $16 $86 $760 $63
Forte EX 2-Dr Coupe $146 $266 $324 $20 $96 $852 $71
Forte SX 2-Dr Coupe $146 $266 $324 $20 $96 $852 $71
Get Your Own Custom Quote Go

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Estimates do not factor in specific location information which can lower or raise premiums noticeably.

Higher deductibles save money

One of the hardest decisions when shopping for car insurance is where to set your physical damage deductibles. The premium rates below can help illustrate the rate difference when you choose different physical damage coverage deductibles. The first pricing table uses a $100 deductible for comp and collision and the second price table uses a $500 deductible.

Kia Forte insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $242 $358 $280 $16 $84 $1,005 $84
Forte EX 4-Dr Sedan $242 $358 $280 $16 $84 $1,005 $84
Forte SX 4-Dr Sedan $272 $436 $280 $16 $84 $1,113 $93
Forte EX 2-Dr Coupe $272 $514 $318 $18 $94 $1,241 $103
Forte SX 2-Dr Coupe $272 $514 $318 $18 $94 $1,241 $103
Get Your Own Custom Quote Go

Kia Forte insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $176 $242 $280 $16 $84 $798 $67
Forte EX 4-Dr Sedan $176 $242 $280 $16 $84 $798 $67
Forte SX 4-Dr Sedan $200 $294 $280 $16 $84 $874 $73
Forte EX 2-Dr Coupe $200 $348 $318 $18 $94 $978 $82
Forte SX 2-Dr Coupe $200 $348 $318 $18 $94 $978 $82
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rates do not factor in zip code location which can impact price quotes considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you roughly $19 more each month or $228 for a full year than opting for the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you usually have more than 21 months between claim filings, you would probably save some money by going with a higher deductible. The table below shows how you can do this calculation yourself.

Average monthly premium for $100 deductibles: $93
Average monthly premium for $500 deductibles (subtract): – $74
Monthly savings from raising deductible: $19
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One thing to note is that a higher deductible means you pay more out-of-pocket when you do file a claim. You need some funds available in order to pay the deductible to have repairs made.

Car insurance rates by gender and age

The illustration below visualizes the comparison of Kia Forte auto insurance rates for male and female drivers. The premium estimates are based on no tickets, no at-fault accidents, full coverage, $250 deductibles, single marital status, and no other discounts are factored in.

Does it make sense to buy full coverage?

The diagram below illustrates the comparison of Kia Forte car insurance costs when comparing full coverage to liability only. The data assumes no claims or violations, $100 deductibles, single marital status, and no policy discounts are applied.

Should you be buying full coverage?

There is no clear-cut rule to exclude full coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let’s say your Kia Forte settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $3,000 after the deductible is paid. If premium cost is more than $300 a year for full coverage, then it might be time to buy liability only.

There are a few cases where eliminating full coverage is not a good idea. If you still owe a portion of the original loan, you have to carry full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.

Auto insurance quotes from local Fort Wayne insurance agencies

Some people just prefer to talk to an insurance agent and that is not a bad decision Good agents will help you protect your assets and help in the event of a claim. A nice benefit of comparing rate quotes online is you can get cheap auto insurance quotes but still work with a licensed agent. Buying insurance from local insurance agencies is important especially in Fort Wayne.

Insurance agency in Fort WayneAfter filling out this form (opens in new window), your coverage information is submitted to participating agents in Fort Wayne who will return price quotes for your coverage. You won’t need to leave your computer since rate quotes are delivered to you instantly. If you want to quote rates for a specific company, you just need to go to their quote page and fill out their quote form.

When researching local Fort Wayne agents, there are two types of insurance agents and how they operate. Auto insurance policy providers can either be independent or exclusive depending on the company they work for. Either type can sell and service auto insurance coverage, but it’s a good idea to understand why they differ since it can affect which type of agent you select.

Independent Agents

Agents that elect to be independent are not restricted to one company and that enables them to quote your coverage with multiple insurance companies and find the cheapest rate. To move your coverage to a new company, the business is moved internally which requires no work on your part.

If you are trying to find cheaper rates, you should always compare quotes from several independent insurance agents for maximum quote selection. Many independent agencies also insure through companies that do not advertise much which may provide better rates.

Shown below is a short list of independent agents in Fort Wayne that can possibly get you free auto insurance quotes.

More insurance agents

Exclusive Insurance Agents

Agents in the exclusive channel can usually just insure with one company such as American Family, State Farm, and AAA. They usually cannot provide other company’s prices so it’s a take it or leave it situation. They are highly trained in insurance sales which aids in selling service over price. Many people buy from the same agent for years partially due to the brand rather than low price.

Below are Fort Wayne exclusive agents willing to provide rate quotes.

More insurance agents

Selecting a auto insurance agent shouldn’t rely on just the premium amount. Below are some questions you should ask.

You Can Change Your Insurance Prices

Smart consumers have a good feel for the different types of things that come into play when calculating your car insurance rates. When you understand what impacts premium levels, this enables you to make decisions that can help you get much lower annual insurance costs.

Car insurance in Indiana serves several purposes

Despite the high insurance cost for a Kia Forte in Fort Wayne, insurance serves several important purposes.

First, most states have mandatory liability insurance requirements which means you are required to carry a specific minimum amount of liability coverage in order to license the vehicle. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a loan on your Kia Forte, it’s most likely the lender will require that you have comprehensive coverage to guarantee payment of the loan. If the policy lapses, the bank will be required to insure your Kia for a lot more money and force you to reimburse them for the much more expensive policy.

Third, insurance protects not only your car but also your financial assets. It also can pay for medical bills that are the result of an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you cause an accident and are sued. If you have damage to your Kia as the result of the weather or an accident, collision and comprehensive coverages will cover the repair costs.

The benefits of buying car insurance definitely exceed the price paid, particularly if you ever have a claim. On average, a vehicle owner in Fort Wayne is wasting up to $830 a year so smart consumers compare quotes at least once a year to save money.

Best auto insurance in Fort Wayne

Buying coverage from the highest-rated insurer can be difficult considering how many different companies insure vehicles in Fort Wayne. The ranking data below could help you decide which companies you want to consider putting your business with.

Top 10 Fort Wayne Car Insurance Companies Ranked by Value

  1. USAA
  2. GEICO
  3. AAA Insurance
  4. Erie Insurance
  5. State Farm
  6. Liberty Mutual
  7. Safeco Insurance
  8. Allstate
  9. 21st Century
  10. Travelers

Top 10 Fort Wayne Car Insurance Companies Ranked by Customer Service

  1. Nationwide
  2. State Farm
  3. Safeco Insurance
  4. American Family
  5. Titan Insurance
  6. Travelers
  7. Liberty Mutual
  8. GEICO
  9. Erie Insurance
  10. Allstate

Persistent drivers can save

When searching for affordable Fort Wayne auto insurance quotes, never buy less coverage just to save a little money. There have been many cases where someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. Your objective should be to get the best coverage possible for the lowest cost, but do not sacrifice coverage to save money.

Cost effective Kia Forte insurance is possible on the web as well as from insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance providers may not provide online rate quotes and usually these regional insurance providers provide coverage only through independent insurance agencies.

In this article, we presented many ways to shop for Kia Forte insurance online. The key thing to remember is the more quotes you get, the better your comparison will be. You may even be surprised to find that the best price on auto insurance is with some of the smallest insurance companies.

Even more information is available in these articles: