Cheap Insurance for a Kia Forte in West Virginia

When discussing auto insurance, the words cheap or affordable really should not be used anywhere in the article as a descriptor for auto insurance rates. Be that as it may, cheap car insurance for a Kia Forte can be extremely hard to find. We’ll try to make it up to you, because we will teach you how you can get insurance that won’t break your budget.

The chances of finding the best cheap car insurance for a Kia Forte in West Virginia hinges on dozens of factors such as how you use your Forte, your credit rating, and driving violations. Drivers on average will pay $1,000 a year to buy insurance for a Kia Forte, but that policy rate is an estimation based upon a 40-year-old single female that purchased full coverage and $1,000 deductibles.

There is a high likelihood that you are not exactly 40 years old and possibly not even female, married instead of single, or maybe you have a couple of speeding tickets. Auto insurance is not the same for everyone, so your best shot at finding cheap insurance rates for your Kia is to comparison shop your policy at every renewal or at least every couple of years.

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The trim level of your Kia tends to have a direct impact on the yearly cost, so the price to insure a Forte LX 4-Dr Sedan model will be $228 cheaper than the insurance cost for the higher-end Forte SX 2-Dr Coupe model, as shown by the rates below.

Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and West Virginia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rate quotes do not factor in specific zip code location which can change auto insurance rates greatly.

Finding dependable, reasonably-priced auto insurance is tough enough, and finding out which company quotes the best auto insurance rates for a Kia Forte will involve even more diligence. Each company has a different formula to determine premium rates, so we’ll take a look at the most competitive auto insurance companies in West Virginia.

Best Insurance Companies for Your Forte

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Erie normally has some of the cheapest car insurance rates in West Virginia at around $904 per year. The Hartford, State Auto, Westfield, and USAA also make the cut as some of the lowest-priced West Virginia auto insurance companies.

In the above rates, if you currently have a policy with Westfield and switched to Erie, you may realize a yearly price reduction of around $358. Insureds with USAA might save as much as $383 a year, and State Farm policyholders might cut rates by $634 a year.

Be aware that those estimates are averaged across all drivers and vehicles and and are not figured with a specific rate value for a Kia Forte. So the insurer that can offer you the lowest price may not even be in the list of companies shown earlier. That affirms the importance of why you need to compare as many prices as possible using your own individual information.

Impact of careless driving on auto insurance rates

The recommended way to enjoy good auto insurance premiums in West Virginia for a Forte is to be an attentive driver and maintain a clean driving record. The example below shows how traffic citations and accidents raise auto insurance rates for each age group. The costs are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.

The data charted above shows the average cost of car insurance per year with no accidents or violations is $1,988. Get written up for one speeding ticket and the average cost hikes up to $2,256, an increase of $268 each year. Then add one accident along with the one speeding ticket and the annual cost of auto insurance for a Kia Forte goes up to an average of $3,002. That’s an increase of $1,014, or $84 per month, just for not driving carefully!

Is Allstate, Geico, State Farm, or Progressive cheaper?

If you’re looking for the cheapest auto insurance, some of the first companies to look at are Allstate, Geico, State Farm, and Progressive. They all have the same basic coverages, but each one has slightly different coverages and options that add value to each policy. The table below illustrates ratings and policy coverage options that are available for customers.