Would you prefer to buy low-cost Kia Forte insurance in Phoenix? Wish you could get out of an expensive car insurance policy? You’re in good company because there are lots of Phoenix residents who feel the same.
Remarkably, a study showed that most drivers have been with the same company for four years or more, and nearly 40% of drivers have never even compared quotes to find cheap rates. Many drivers in Arizona could save up to $700 a year just by shopping around, but they underestimate how much money they would save if they changed companies.
Vehicle owners have many car insurance companies to purchase coverage from, and although it’s nice to have a selection, more choices can make it harder to find the best rates for your vehicles.
Consumers should take time to check car insurance prices occasionally since prices are usually higher with each renewal. If you had the lowest rate on Kia Forte insurance in Phoenix six months ago other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because you’re about to find out the fastest and easiest way to reduce your cost while improving coverage.
The quickest method we recommend to compare rates for Kia Forte insurance in Phoenix is to understand most of the larger companies pay for the opportunity to give you rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details such as how much education you have, whether your vehicle is owned or leased, whether or not you need a SR-22, and what you do for a living. Your rating data is automatically sent to multiple top-rated companies and you receive quotes instantly.
To check car insurance prices now, click here and enter the information requested.
The auto insurance companies shown below are ready to provide quotes in Phoenix, AZ. If several companies are displayed, we suggest you visit as many as you can in order to find the most affordable rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $124 | $208 | $338 | $20 | $102 | $792 | $66 |
| Forte EX 4-Dr Sedan | $182 | $254 | $306 | $18 | $92 | $852 | $71 |
| Forte SX 4-Dr Sedan | $202 | $324 | $282 | $16 | $84 | $908 | $76 |
| Forte EX 2-Dr Coupe | $332 | $548 | $444 | $26 | $132 | $1,482 | $124 |
| Forte SX 2-Dr Coupe | $182 | $382 | $382 | $22 | $114 | $1,082 | $90 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rates do not factor in vehicle garaging location which can revise insurance rates noticeably.
Reckless driving habits raise auto insurance rates
The diagram below highlights how speeding tickets and at-fault collisions impact Kia Forte auto insurance costs for different age groups of insureds. The price estimates are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.
Kia Forte insurance premiums by gender and age
The information below shows the difference between Kia Forte insurance premiums for male and female drivers. The price estimates are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are taken into consideration.
Choosing Kia Forte insurance is an important decision
Even though it can be expensive, insurance serves several important purposes.
First, the majority of states have mandatory liability insurance requirements which means state laws require a minimum amount of liability coverage if you don’t want to risk a ticket. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a lien on your Kia Forte, more than likely the lender will have a requirement that you have insurance to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the bank may buy a policy for your Kia for a much higher rate and force you to pay for the expensive policy.
Third, insurance protects both your Kia and your personal assets. It will also cover medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you are named as a defendant in an auto accident. If your Kia gets damaged, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of having insurance definitely exceed the price paid, especially with large liability claims. On average, a vehicle owner in Phoenix is wasting up to $830 a year so you should quote rates at every policy renewal to ensure rates are competitive.
You Can Change Your Insurance Costs
Many factors are part of the equation when pricing auto insurance. Some are pretty understandable such as traffic violations, but other factors are less obvious such as your marital status or how financially stable you are. Consumers need to have an understanding of some of the things that aid in calculating your premiums. When you understand what positively or negatively impacts your premiums, this enables you to make decisions that could help you find big savings.
Pay less with a high NHTSA crash test rating – Vehicles with good safety scores are cheaper to insure. The safest vehicles reduce occupant injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims and cheaper rates on your policy. If the Kia Forte scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
Is you employer costing you more? – Did you know your occupation can influence how much you pay for auto insurance? Jobs such as real estate brokers, air traffic controllers, and financial analysts usually pay higher rates than average attributed to stressful work requirements and long work hours. On the other hand, occupations like professors, historians and retirees get better rates.
Where you live – Residing in small towns and rural areas has it’s advantages when trying to find low car insurance rates. Fewer people means less chance of accidents in addition to fewer liability claims. Drivers who live in large Arizona cities have to deal with more aggressive driving styles and higher rates of accident claims. Longer commute distances means more chance of being in an accident.
Multi-policy discounts can save money – The majority of insurers give a discount to clients who have multiple policies with them, otherwise known as a multi-policy discount. Discounts can add up to ten or even fifteen percent. Even if you’re getting this discount drivers will still want to comparison shop to help guarantee you have the best rates.
Insurance losses for a Kia Forte – Insurers use data from past claims as a way to help calculate a profitable premium rate. Vehicles that the data determines to have higher losses will have a higher cost to insure. The table below illustrates the compiled insurance loss statistics for Kia Forte vehicles.
For each policy coverage type, the claim probability for all vehicles, as an average, is set at 100. Values that are under 100 represent a good loss history, while percentages above 100 indicate higher probability of having a loss or a tendency for losses to be larger than average.
Insurance Loss Ratings for Kia Forte Vehicles
| 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 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Cheaper rates by taking advantage of discounts
Some providers don’t necessarily list every available discount very clearly, so we took the time to find some of the more common and also the lesser-known savings tricks you should be using when you buy Phoenix car insurance online.
- Anti-theft System – Vehicles that have factory alarm systems and tracking devices help deter theft and can earn a small discount on your policy.
- Cautious Driver Discount – Drivers without accidents may save up to 50% more than drivers with accident claims.
- Own a Home – Just being a homeowner may trigger a policy discount on car insurance since owning and maintaining a home requires a higher level of personal finance.
- Government Employee Discount – Active or retired federal employment may qualify for a discount when you quote Phoenix car insurance with some car insurance companies.
- Organization Discounts – Belonging to qualifying clubs or civic groups could trigger savings on car insurance.
Drivers should understand that some credits don’t apply to the whole policy. Most cut the cost of specific coverages such as liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.
A list of car insurance companies and a partial list of their discounts are outlined below.
- State Farm has discounts for multiple policy, defensive driving training, multiple autos, Drive Safe & Save, good driver, accident-free, and driver’s education.
- American Family offers premium reductions for accident-free, good student, multi-vehicle, Steer into Savings, good driver, mySafetyValet, and early bird.
- GEICO may have discounts that include daytime running lights, anti-theft, federal employee, good student, multi-vehicle, driver training, and anti-lock brakes.
- 21st Century policyholders can earn discounts including teen driver, early bird, homeowners, automatic seat belts, and defensive driver.
- Progressive discounts include good student, online quote discount, multi-vehicle, online signing, multi-policy, continuous coverage, and homeowner.
It’s a good idea to ask all companies you are considering to apply every possible discount. Discounts may not apply in Phoenix. To find companies that offer many of these discounts in Arizona, follow this link.
Car insurance quotes from local Phoenix insurance agencies
A lot of people would prefer to buy from a licensed agent and doing so can bring peace of mind An additional benefit of getting online price quotes is that you can find cheap car insurance quotes and still have an agent to talk to.
Once you complete this short form, the coverage information gets sent to companies in Phoenix that can provide free Phoenix car insurance quotes for your car insurance coverage. There is no reason to contact any insurance agencies due to the fact that quote results will go straight to your inbox. You’ll get the best rates without a big time investment. If you want to get a rate quote from a particular provider, feel free to navigate to their website and submit a quote form there.
Finding the right provider requires you to look at more than just a cheap price quote. Below are some questions you should ask.
- Does the agency support the community they serve?
- What insurance company do they write the most business with?
- How does the company pay claims for a total loss?
- If they are an independent agency in Phoenix, which companies do they recommend?
- Is the agency covered by Errors and Omissions coverage?
- What is their Better Business Bureau rating?
If you want to buy car insurance from a reliable insurance agent, it’s helpful to know the types of agencies from which to choose. Agents in Phoenix may be either independent or exclusive depending on the company they work for.
Exclusive Agencies
Exclusive agencies write business for a single company such as Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to compare other company’s rates so it’s a take it or leave it situation. They receive a lot of sales training on their company’s products and that can be a competitive advantage.
Listed below are Phoenix exclusive agents that are able to give price quotes.
Andy Carrillo – State Farm Insurance Agent
4713 E Southern Ave – Phoenix, AZ 85042 – (602) 426-8088 – View Map
GEICO Insurance Agent
9515 W Camelback Rd #134 – Phoenix, AZ 85037 – (602) 234-3426 – View Map
Mattie Taylor – State Farm Insurance Agent
4225 W Bell Rd – Phoenix, AZ 85053 – (602) 938-4491 – View Map
Independent Car Insurance Agents
Independent agencies are not employed by any specific company so as a result can place your coverage with a variety of different insurance companies depending on which coverage is best. If you want to switch companies, they simply switch companies in-house and you can keep the same agent. When comparing car insurance prices, it’s recommended you compare quotes from a few independent agents to get the most accurate price comparison.
The following are independent insurance agencies in Phoenix who can help you get price quotes.
Best Buy Insurance
3917 S Central Ave – Phoenix, AZ 85040 – (602) 268-2548 – View Map
Travelers Insurance
22601 N 19th Ave #216 – Phoenix, AZ 85027 – (623) 572-0032 – View Map
Oasis Insurance
317 N 19th Ave – Phoenix, AZ 85009 – (602) 233-5500 – View Map
What is YOUR best insurance company?
Cost effective Kia Forte insurance is attainable online and also from your neighborhood Phoenix agents, and you should compare price quotes from both to have the best selection. There are still a few companies who may not have internet price quotes and these regional insurance providers sell through local independent agencies.
In this article, we covered some good ideas how to lower your Kia Forte insurance car insurance rates in Phoenix. It’s most important to understand that the more you quote Phoenix car insurance, the higher your chance of finding cheaper Phoenix car insurance quotes. Consumers may even find the most savings is with a small mutual company. Regional companies can often provide lower premium rates in certain areas as compared to the big name companies such as State Farm, GEICO and Nationwide.
Additional information is available below:
- Property Damage Coverage (Liberty Mutual)
- How Much are Car Insurance Rates for a Chevrolet Equinox in Phoenix? (FAQ)
- How Much is Phoenix Car Insurance for Good Students? (FAQ)
- How Much is Phoenix Auto Insurance After a Speeding Ticket? (FAQ)
- Who Has Affordable Auto Insurance for 18 Year Olds in Phoenix? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Learners Permit in Phoenix? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Nissan Sentra in Phoenix? (FAQ)
- Car Insurance FAQ (Trusted Choice)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Alcohol Impaired Driving FAQ (iihs.org)
- Safe Vehicles for Teens (iihs.org)