Affordable Quotes for Kia Forte Insurance in Mesa

The preferred way to get discount Kia Forte insurance in Mesa is to start doing an annual price comparison from providers who sell insurance in Arizona.

First, get an understanding of individual coverages and the things you can control to prevent expensive coverage. Many factors that result in higher rates like accidents, careless driving, and a substandard credit score can be improved by making small lifestyle or driving habit changes.

Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or Farmers Insurance, while independent agencies can give you price quotes for a wide range of companies.

Third, compare the price quotes to your existing coverage to determine if switching companies saves money. If you find a better price and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.

The critical component of shopping around is that you’ll want to compare the same coverage limits and deductibles on each quote request and and to get quotes from as many companies as feasibly possible. This guarantees a level playing field and a complete price analysis.

A recent insurance study discovered that nearly 70% of consumers have been with the same company for over three years, and practically 40% of insurance customers have never shopped around. Many drivers in Mesa could save themselves about $733 a year just by shopping around, but they don’t know the big savings they would realize if they switched to a cheaper policy.

To find cheap quotes, there are a couple of ways of comparing rates from many auto insurance companies in Arizona. The fastest way to find competitive Kia Forte insurance rates consists of obtaining rate quotes online.

Comparing free rate quotes online is easy and it, makes it obsolete to drive to insurance agents’ offices. Comparing Kia Forte insurance rates online eliminates this option unless your situation requires the peace of mind that can only be provided by a licensed insurance agent. If you prefer, some companies allow you to get the lowest quotes online but buy from a local insurance agent. When comparison shopping, having more price comparisons provides better odds of finding a lower rate. Some regional insurers cannot provide online price quotes, so it’s necessary to compare price quotes from them as well.

The companies shown below are ready to provide free quotes in Mesa, AZ. If you want the best cheap car insurance in AZ, we suggest you visit as many as you can in order to get a fair rate comparison.

Kia Forte insurance analysis

The coverage information displayed below highlights detailed analysis of insurance rates for Kia Forte models. Having a better idea how insurance prices are calculated can help guide drivers when making decisions on the best policy coverages.

Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Price estimates do not factor in specific garaging location which can decrease or increase premiums substantially.

Choosing deductibles

When buying car insurance, a common question is which deductibles should you choose. The tables below can help illustrate the costs and benefits when you select higher and lower physical damage deductibles. The first price estimate table uses a $100 deductible for physical damage and the second price table uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Table data does not factor in specific garaging location which can raise or lower coverage prices greatly.

Based on these figures, using a $100 deductible will cost you about $30 more each month or $360 a year than quoting the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you average at least 30 months between claim filings, you would save more money going with the higher deductible.

Cautious drivers save money

The information below highlights how speeding tickets and accident claims can affect Kia Forte yearly insurance costs for different age groups. The data is based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.

Men versus women drivers and insurance cost

The illustration below illustrates the comparison of Kia Forte premium costs for male and female drivers. The premiums are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, single status, and no policy discounts are applied.

Does full coverage make sense?

The example below illustrates the comparison of Kia Forte car insurance rates with liability coverage only compared to full coverage. The data assumes no accidents, no driving violations, $500 deductibles, single status, and no discounts are applied.

When to drop comp and collision

There is no exact formula of when to drop comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.

For example, let’s pretend your Kia Forte replacement cost is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $5,000 after you pay the deductible. If you are paying over $500 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are a few situations where dropping physical damage coverage is not in your best interest. If you haven’t paid off your loan, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not buy liability only.

Do you qualify for these eight discounts?

Auto insurance companies don’t always list every possible discount in an easy-to-find place, so the below list has some of the best known and also the lesser-known credits available to bring down your rates.

• Driver Training Discounts – Passing a course that instructs on driving safety could possibly earn you a 5% discount and easily pay for the cost of the class.
• Senior Citizen Discount – If you’re over the age of 55, you could receive better insurance rates.
• Driver’s Education for Students – Cut your cost by having your teen driver enroll in driver’s education in school or through a local driver safety program.
• Anti-theft Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems prevent vehicle theft so companies will give you a small discount.
• Low Mileage Discounts – Driving less could earn better rates on cars that stay parked.
• More Vehicles More Savings – Buying coverage for multiple cars with the same insurance company can reduce the rates for all insured vehicles.
• ABS and Traction Control Discounts – Cars and trucks that have anti-lock braking systems have fewer accidents and earn discounts up to 10%.
• Responsible Driver Discounts – Insureds without accidents could pay up to 40% less than their less cautious counterparts.

One thing to note about discounts is that most discount credits are not given to the overall cost of the policy. Most cut individual premiums such as liability and collision coverage. Despite the fact that it seems like adding up those discounts means a free policy, you won’t be that lucky. Any amount of discount should definitely cut your policy premiums.

The chart below shows the difference between Kia Forte auto insurance costs with and without discounts being applied to the rates. The costs are based on a female driver, no accidents or driving violations, Arizona state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, claim-free, multi-policy, and homeowner discounts applied.

The best insurance companies and some of their more popular discounts include:

• State Farm may offer discounts for accident-free, good student, good driver, student away at school, multiple policy, and anti-theft.
• American Family may include discounts for Steer into Savings, mySafetyValet, air bags, defensive driver, accident-free, bundled insurance, and early bird.
• GEICO includes discounts for defensive driver, seat belt use, multi-policy, membership and employees, anti-lock brakes, and emergency military deployment.
• 21st Century offers discounts including defensive driver, homeowners, air bags, teen driver, anti-lock brakes, and 55 and older.
• Progressive offers premium reductions for multi-vehicle, homeowner, online quote discount, good student, multi-policy, continuous coverage, and online signing.

When quoting, ask every prospective company which discounts can lower your rates. Some of the discounts discussed earlier might not be offered on policies in every state. For a list of insurance companies who offer cheap Kia Forte insurance quotes in Arizona, click here to view.

It may be expensive, but it’s not optional

Despite the high cost of buying insurance for a Kia Forte in Mesa, paying for insurance is required by state law in Arizona and it also provides benefits you may not be aware of.

• Almost all states have mandatory insurance requirements which means state laws require a specific level of liability protection in order to drive the car. 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.
• If you took out a loan on your Forte, it’s guaranteed your bank will require you to have physical damage coverage to protect their interest in the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Kia at an extremely high rate and require you to pay much more than you were paying before.
• Insurance protects both your vehicle and your assets. Insurance will also pay for many types of medical costs incurred in an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to have it repaired.

The benefits of having insurance greatly outweigh the cost, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $869 every year so compare rate quotes once a year at a minimum to ensure rates are competitive.

Your insurance coverage should be tailored to you

When it comes to coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs and your insurance should be unique as well.
For example, these questions can aid in determining if your insurance needs could use an agent’s help.

• Am I covered when pulling a rental trailer?
• Is my ex-spouse still covered by my policy?
• When should I not file a claim?
• What policy terms are available?
• What vehicles should carry emergency assistance coverage?
• Am I missing any policy discounts?
• Do I have coverage when making deliveries for my home business?
• When do I need to add a new car to my policy?
• What can I do if my company denied a claim?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Buying from car insurance agents

Many people just prefer to buy from a licensed agent and that is not a bad decision One of the benefits of comparing rates online is you may find lower rates and also buy local. And buying from local agencies is still important in Mesa.

Upon completion of this quick form, the quote information gets sent to local insurance agents that can provide free Mesa auto insurance quotes and help you find cheaper coverage. You never need to do any legwork since rate quotes are delivered to you directly. You can most likely find cheaper rates AND a local agent. If for some reason you want to compare prices from a specific car insurance provider, just find their quoting web page and give them your coverage information.

Insurance agent types

If you want a local insurance agency, there are a couple of types of insurance agents that you can select. Agents can be described as either exclusive or independent agents depending on their company appointments.

Independent Car Insurance Agencies or Brokers

Agents that elect to be independent often have many company appointments so they have the ability to put coverage with any number of different companies and help determine which has the cheapest rates. If you are not satisfied with one company, your agent can switch companies which is easy for the insured.

When shopping rates, you definitely need to get rate quotes from a couple of independent agencies for the best price selection.

Featured below is a short list of independent agents in Mesa who may be able to give you pricing information.

View more Mesa agents

Exclusive Insurance Agencies

Exclusive agents can only quote rates from one company and examples are Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to provide other company’s prices so you need to shop around if the rates are high. They are usually quite knowledgeable on their company’s products which helps them sell insurance even at higher premiums.

Listed below is a list of exclusive agencies in Mesa that can give you price quote information.

View more Mesa agents

Choosing an auto insurance agent should include more criteria than just a cheap price. These are some questions your agent should answer.

• How many years of experience in personal auto insurance do they have?
• Are there any discounts for paying up front?
• Are they in the agency full-time?
• When do they do policy reviews?
• Which companies do they recommend if they are an independent agency?

Upon receiving good responses to all your questions and an acceptable price quote, chances are good that you have found an auto insurance agent that can adequately provide car insurance. Just be aware that consumers can cancel your policy at any point so don’t feel you are locked into any particular company indefinitely.

Car insurance coverage specifics

Understanding the coverages of a car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types found on most car insurance policies.

Auto liability

Liability insurance provides protection from damages or injuries you inflict on a person or their property in an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 15/30/10 which means $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and a limit of $10,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as repair costs for stationary objects, structural damage and medical services. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible. Arizona state law requires minimum liability limits of 15/30/10 but you should think about purchasing better liability coverage.

The chart below demonstrates why the minimum limit may not provide adequate coverage.

Comprehensive car insurance

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as rock chips in glass, a tree branch falling on your vehicle, a broken windshield, vandalism and damage from getting keyed. The highest amount your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for immediate expenses like rehabilitation expenses, dental work, X-ray expenses and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Kia Forte.

Since a lot of drivers carry very low liability coverage limits (which is 15/30/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently these limits are identical to your policy’s liability coverage.

Auto collision coverage

Collision insurance will pay to fix damage to your Forte caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like driving through your garage door, sideswiping another vehicle, colliding with another moving vehicle, crashing into a ditch and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible on your Forte to bring the cost down.