Buying affordable coverage for a Kia Forte in Nevada doesn't take a ton of time, but it depends on a whole bunch of rating criteria such as annual vehicle mileage, whether or not you have filed claims in the past, and driving citations. Drivers pay approximately $744 each year for Forte insurance, but that figure is an estimation based upon a 50-year-old single male driver with full comprehensive and collision coverage and $1,000 deductibles.
Odds are that you're not a 50-year-old male, you might be married instead of single, and maybe you want higher deductibles. Having what appears to be a very minor change in the factors used in pricing a policy could end up in a significant change in rates.
This example demonstrates why the best method for finding cheap insurance rates for your Kia is to compare rates from as many companies as possible.
Your vehicle's trim level will be a contributing factor to the cost of coverage, so the price you will pay to insure a Forte LX 4-Dr Sedan trim level will be $172 less expensive the insurance cost for the high end Forte SX 2-Dr Coupe model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Forte LX 4-Dr Sedan||$126||$214||$348||$20||$104||$812||$68|
|Forte EX 4-Dr Sedan||$126||$214||$348||$20||$104||$812||$68|
|Forte SX 4-Dr Sedan||$142||$260||$348||$20||$104||$874||$73|
|Forte EX 2-Dr Coupe||$142||$306||$394||$24||$118||$984||$82|
|Forte SX 2-Dr Coupe||$142||$306||$394||$24||$118||$984||$82|
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Information does not factor in zip code location which can change coverage prices noticeably.
Insuring your vehicle with the highest-rated insurer can be difficult considering how many choices there are in Nevada. The ranking information in the lists below could help you decide which coverage providers you want to consider putting your business with.
The ratings below include the largest companies in the United States, so companies without a large exposure will not be included in these rankings. To compare price quotes from these companies and more, simply click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Full coverage rates compared to liability-only
Buying cheaper car insurance is the goal of the majority of drivers, and one good way to find cheaper insurance for a Kia Forte in Nevada is to only buy liability insurance. The chart below shows the comparison of annual premium costs with full coverage and liability only. The prices are based on no violations or accidents, $100 deductibles, single marital status, and no discounts are taken into consideration.
Averaged for all ages 20 through 70, comp and collision coverage costs $1,940 per year more than just buying liability insurance. That proposes the question if you should buy full coverage. There is no specific rule to drop full coverage, but there is a general guideline. If the annual cost of having full coverage is 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let's assume your vehicle's claim settlement value is $10,500 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $9,500 after paying your policy deductible. If it's costing in excess of $950 a year for your policy with full coverage, then it could be time to drop full coverage.
The chart below illustrates how your choice of deductibles can raise or lower premium costs when trying to find cheap insurance for a Kia Forte in Nevada. The information is based on a married female driver, full coverage, and no other discounts are factored in.
The chart above illustrates that a 40-year-old driver could lower rates by $292 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $442 by changing to a $1,000 deductible. Even younger drivers, like the age 20 example, have the ability to save $728 or even more by choosing larger deductibles on their policy. When choosing a higher deductible, it is essential to have spare funds to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Tips for buying low-cost insurance for a Kia Forte
Lowering your rates is not difficult, and here are a few money-saving solutions that can help drivers locate lower-cost coverage.
- Buy your homeowners policy from the same company as your auto insurance
- Maintain a clean driving record
- Being accident-free can lower rates significantly
- If possible, do not file small claims
- Safer vehicles generally have cheaper insurance rates
- Keep rates low by shopping around frequently
The last item on the list is very critical, as was noted in this article. Prices can change considerably based on profitability, so don't be afraid to buy from a different company if a lower price can be found. Having a favorite company is fine, but it isn't a good idea if it's costing you lots of hard earned cash every month. Spend a few minutes and compare prices and find cheaper car insurance for a Kia Forte.