Who Has Cheap Insurance Quotes for a Kia Forte in New Hampshire?

Your chances of finding cheaper coverage for a Kia Forte in New Hampshire is dependent upon a complex calculation that is influenced by things such as when you were born, what you do for a living, and your policy deductibles. Drivers pay approximately $780 every 12 months to buy insurance for a Kia Forte, but that price is an approximation rating a 50-year-old single female with full physical damage coverage and $100 physical damage deductibles.

It’s highly likely you are not 50 years old and maybe not even female, maybe you are married instead of single, and maybe you want higher deductibles. Having even a minor difference in policy rating criteria or coverages can cause big changes in the cost of insurance.

This example demonstrates why the only way to find cheap insurance rates for your Kia is to put in the effort to do a thorough rate comparison.

Insure Your Kia for Less

The specific trim level tends to have a direct effect on the annual cost of coverage, so the price you pay to insure a Forte LX 4-Dr Sedan trim level will be $198 less expensive the cost to insure the high end Forte SX 2-Dr Coupe trim level, as shown in the prices below.

Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New Hampshire minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Price estimates do not factor in specific garaging location which can affect auto insurance rates greatly.

Selecting the right auto insurance company can be rather challenging considering how many choices you have in New Hampshire. The rank data listed below may help you pick which providers to look at when comparing auto insurance rates for a Kia Forte. These ratings are only comprised of the companies with a significant amount of written premium nationwide, so companies that focus mainly on New Hampshire business are not taken into consideration for this list.

Top 10 Large Auto Insurance Providers Overall in New Hampshire

1. The General
2. The Hartford
3. Progressive
4. Travelers
5. State Farm
6. Farmers Insurance
7. Safeco Insurance
8. USAA
9. GEICO
10. 21st Century

Top 10 Large Auto Insurance Providers in New Hampshire Ranked by Customer Service

1. The Hartford
2. American Family
3. Progressive
4. GEICO
5. USAA
6. State Farm
7. Travelers
8. Farmers Insurance
9. Allstate
10. Safeco Insurance

Top Companies for Kia Forte Insurance in New Hampshire

The diagram below highlights how deductible choice can change insurance rates when researching cheap insurance for a Kia Forte. The data is based on a married male driver, comp and collision included, and no discounts are applied.

The data above shows that a 50-year-old driver could reduce rates by $232 a year by switching from a $100 deductible up to a $500 deductible, or save $350 by switching to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could save up to $772 or even more by using a higher deductible.

When insureds make the decision to increase the deductibles on their policy, it will now be necessary to have enough funds in savings to be able to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Bad driving habits will cost you more

The easiest method to enjoy low auto insurance rates in New Hampshire for a Forte is to drive cautiously and avoid accidents and traffic citations. The chart below demonstrates how traffic citations and fender-benders can impact car insurance costs for different categories of driver ages. The prices are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.

The chart shows that the average cost of a car insurance policy in New Hampshire per year with no violations or accidents is $1,025. Receive one speeding ticket and the average cost jumps to $1,180, an increase of $155 each year. Now add one accident along with the one speeding ticket and the yearly cost of auto insurance for a Kia Forte increases to an average of $1,602. That’s an increase of $577, or $48 per month, just for not driving attentively!

How to find the cheapest auto insurance for a Kia Forte

It is possible to find better rates, and here are some of the recommended penny-pinching ideas that can help you quote cheaper coverage.

• Frequent claims will increase rates
• Avoid getting citations and tickets
• Assess whether full coverage is needed
• Accident-free drivers may qualify for discounts
• Increase the comprehensive and collision deductibles on your policy
• Shop around once a year for cheaper rates

The last tip in the list is incredibly important, as we hit on in the article above. Car insurance rates change frequently, so don’t hesitate to buy a different policy if you can save money. Many drivers tend to have loyalty to a certain company, but it’s not recommended if that faithfulness ends up costing you thousands of dollars over the life of your policy. In less than five minutes you could compare rates and find cheaper auto insurance for a Kia Forte.

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

When comparing rates for insurance for a Forte, four companies to definitely compare rates with are Geico, Allstate, State Farm, and Progressive. If you combine them together, they insure 48.5% of all policies written. The next table compares some of the different options that may be available in your state.

Best cheap Kia Forte insurance quotes

Thanks to technology, drivers have a lot of ways to compare auto insurance prices in New Hampshire, but the most popular ways are from a non-exclusive or independent agent, an exclusive insurance agent like Allstate or Liberty Mutual, or from a direct company like Geico or Progressive.

You can use whichever method you prefer, but buyers should know the differences in how they price policies.

Independent insurance agencies are appointed by several companies and can compare coverage rates with all of them. Independent agents have the ability to provide you with more rates, which may give you improved odds of finding cheaper coverage. If cheaper coverage is found, you can get a different policy and the insured can keep the same agent.

An agent who is captive is able to quote prices with one insurance company, two examples being Farmers Insurance or State Farm agents. These agents normally cannot compare other company’s rates, so they are skilled at selling on more than just price.

The third way to buy auto insurance is direct which means you forego an independent or exclusive agent and buy direct online or over the phone from a company like Geico or Esurance. This auto insurance option is good for drivers who have limited assets and have knowledge of what specific coverages they need.

So out of those three methods, which one works best for finding cheap insurance for a Kia Forte in New Hampshire? Most people assume that buying from a direct company results in the best prices since there is no middleman, but unfortunately, it’s not that simple. It could also be said an independent agency is the best way due to having more companies to select from, but that assumption is not true either. For some people, exclusive agents may have very competitive prices that other auto insurance companies cannot touch.

Since auto insurance rates vary so much, the one way to get rock-bottom rates is to get as many comparison quotes as possible. Set aside the time to get prices from all three types in order to have the best selection to choose from. A great place to start is our list of online companies offering discounts: click here to view.