Who Has Cheap Insurance for a Kia Forte in North Carolina?

Anytime the topic is auto insurance, the word cheap should not be used anywhere to describe car insurance prices. Please forgive the oxymoron, but cheap auto insurance for a Kia Forte is almost non-existent. But don’t despair, because there may be ways you can still find and buy auto insurance that works with your budget.

Your chances of buying the cheapest insurance for a Kia Forte in North Carolina relies on a large number of factors like the mileage of your daily commute, if you have ever had a coverage lapse, and any past driving violations you may have had. Drivers on average pay approximately $600 per year to insure a Forte, but that rate is an estimation that uses a 50-year-old single male driver that has full coverage including both comprehensive and collision and $1,000 deductibles.

That rate won’t apply to everyone, because more than likely you are not a 50-year-old male, married instead of single, or maybe you are just looking for cheap liability insurance. The different assumptions illustrate why your best shot at finding the most affordable coverage for your Kia is to make a habit of regularly comparing rates from other companies. Quotes are always free and you will be able to see rates from some of the cheapest companies in North Carolina.

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The specific model of Forte tends to have a direct impact on the cost of insurance, so the price you will pay to insure a Forte LX 4-Dr Sedan will be $140 less than the insurance cost for the more expensive Forte SX 2-Dr Coupe version, as demonstrated by the prices below.

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Information does not factor in garaging location in North Carolina which can impact price quotes substantially.

Buying cost effective auto insurance is not always easy, and figuring out which company offers the cheapest auto insurance rates for a Kia Forte takes a bit more work. Each auto insurance company uses a little different formula to determine premium rates, so first we will examine the most competitive auto insurance companies in North Carolina.

It’s a good idea to be aware that North Carolina auto insurance rates are impacted by many factors that may substantially change the policy price. That is why North Carolina drivers need to compare as many rates as possible when trying to get the most affordable car insurance rates for a Kia Forte. Insurance prices consist of many factors and can change without notice, so the lowest-price company when you bought your policy may now be one of the higher cost companies.

Lowest Insurance Price Quotes for Your Forte

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Progressive normally has some of the most affordable car insurance rates in North Carolina at around $639 annually. Utica National, Liberty Mutual, Penn National, and NC Farm Bureau would also be considered some of the more affordable North Carolina auto insurance companies.

In the rate table above, if you currently have coverage with Utica National and switched to Progressive, you might achieve an annual premium reduction of in the vicinity of $16. Customers with Liberty Mutual may save as much as $61 a year, and Penn National customers might reduce rates by $86 a year.

Be aware that those policy prices are averaged across all drivers and vehicles in North Carolina and and are not calculated with a specific rate value for a Kia Forte. So the company that can offer you the best rate may not even be in the company chart above. That helps illustrate why you need to get auto insurance quotes using your own personal information and vehicle type.

The illustration below shows how choosing a deductible can impact insurance rates when researching cheap insurance for a Kia Forte. The data assumes a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

As shown above, a 30-year-old driver could save $204 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $310 by switching to a $1,000 deductible. Younger drivers, like the Age 20 chart data, could roll back prices up to $440 each year by choosing a higher deductible. When increasing deductibles, it is important to have spare funds to satisfy the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Your low-price policy may be costing you money

North Carolina auto insurance rates are determined by lots of factors that may substantially change the price you have to pay for coverage. Simply improving your credit, getting divorced, or having an accident can produce rate changes resulting in some companies being more affordable than others.

Additionally, insurers change premium rates without warning to adjust for unexpected claims or profits. Heavier than normal losses can result in price increases, while profitable underwriting can produce lower-priced Forte insurance rates.

To illustrate this example, the graph below shows a variety of companies that have the cheapest car insurance in North Carolina for a 45-year-old male driver with no violations or accidents, and good credit. If we estimate rates based on his personal profile, Progressive might offer the lowest car insurance rates in North Carolina at $639 per year. This is $233 less than the average rate paid by North Carolina drivers of $872. Utica National, Liberty Mutual, NC Farm Bureau, and Penn National are the rest of the cheapest North Carolina auto insurance companies.

Now we will give the driver from the above example a claim, slightly worse credit, and a traffic citation. Since each insurance company has their own process for determining rates, comparing rates most likely will result in a different list of the cheapest companies as shown below.

Titan now has the cheapest insurance rate in North Carolina with State Farm, Auto-Owners, Utica National, and Erie completing the list. This example demonstrates why it is critical to do a thorough rate comparison to get the cheapest insurance quotes for a Kia Forte.

Rates are impacted by many risk factors and change substantially, so the most economical option the last time you checked may now not even be in the top five.

How to find cheaper auto insurance for a Kia Forte

The list below details a few penny-pinching suggestions that can help North Carolina drivers find low-cost car insurance.

• Improve your credit score
• Just one traffic violation will increase your rates
• Earn a discount by not filing claims
• Higher deductibles save money
• Insure your home and auto with the same company
• Do not get into accidents that are your fault
• Compare rates and switch if you can find a better deal

The final tip is very vital, as was emphasized in this write-up. Coverage rates can be changed at any time, so don’t be unwilling to buy a different policy if a more affordable rate is found. Having a favorite company is great, but is isn’t recommended if that devotedness results in you overpaying thousands of dollars over the life of your policy. Now is a great time to shop around and find cheaper auto insurance for a Kia Forte.

Cheap Kia Forte insurance quotes

Drivers have a lot of ways to find cheap auto insurance in North Carolina, but the most preferred ways are using a non-exclusive or independent agent, an exclusive insurance agency such as Liberty Mutual or State Farm, or direct from companies such as Progressive or Geico. Each way has the same basic process, but they differ in how they provide price quotes.

Independent insurance agents have contracts with many companies and can do rate comparisons with all of them. These agents have the freedom to quote rates with many companies, which can help you get the best shot at cutting your rates. If a cheaper rate is found, they simply move your policy to a different company which prevents you from having to find an new insurance agent.

An exclusive agent is only able to write with one insurance company, two of the more popular are State Farm and Auto-Owners agents. These agents are not able to provide other companys’ prices, so if rates are high, they cannot give you alternative choices.

If you choose to buy auto insurance direct, you forego either of the other two types of agents and instead shop direct either online or via phone. Buying auto insurance direct may be good for families who do not need high amounts of coverage and have an above average understanding of what limits they need.

When shopping for auto insurance, which way works best to buy cheap insurance for a Kia Forte in North Carolina? It would be simple to say shopping direct saves money because you bypass the middleman, but in reality, that is not the case. It would also be easy to say an independent agency is the best way since they can quote with many companies, but that assumption is also not accurate. For some people, exclusive agents have really good rates that other companies cannot beat.

Because there are so many factors that make up auto insurance rates, really the only way to not overpay for auto insurance is to obtain price quotes and compare them. Money-saving experts recommend you get rate quotes from independent agents, exclusive agents, and direct companies in order to find the best price. For a list of companies with some of the cheapest North Carolina auto insurance rates, click here to view.