Who Has the Cheapest Insurance for a Kia Forte in Oklahoma?

The chances of buying the cheapest auto insurance for a Kia Forte in Oklahoma is dependent upon dozens of factors like if you own the home you live in, if you have ever let your policy lapse, and any prior driving offenses you have. Drivers pay approximately $1,030 every 12 months for Forte insurance, but that is an estimate using rating data for a 30-year-old married male who requires full comprehensive and collision coverage and $1,000 deductibles.

It’s more than likely that you may not be 30 years old (or even male), maybe you are single instead of married, and maybe your Forte just needs liability-only coverage. This demonstrates why the most reliable method for finding the cheapest coverage for your Kia is to do a thorough rate comparison.

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Vehicle trim level will be a contributing factor to the coverage cost, so the rate you will pay to insure a Forte LX 4-Dr Sedan trim level will cost $238 less than the insurance cost for the high end Forte SX 2-Dr Coupe model, as shown in the table below.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Premium costs do not factor in zip code location which can affect coverage rates significantly.

Deciphering which company offers the most affordable insurance rates for a Kia Forte will take a tad more effort than just quoting one company’s rates. Each insurer has a different process to determine rates, so let’s take a look at the insurance companies with the overall cheapest rates in Oklahoma.

It’s important that readers know that Oklahoma insurance rates are influenced by many factors which can substantially change the price you pay. Simply getting older, moving across town, or getting a couple of tickets may generate price changes that can now make some companies more affordable than competitors.

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USAA has some of the lowest car insurance rates in Oklahoma at around $1,150 a year. Oklahoma Farmers Union, The Hartford, Farmers, and GEICO also make the cut as some of the more affordable Oklahoma car insurance companies.

As illustrated above, if you are insured with Farmers and switched to Oklahoma Farmers Union, you may see savings of approxmiately $240. Oklahoma drivers with GEICO may save as much as $240 a year, and Safe Auto policyholders might lower prices by up to $265 a year.

If you want to see how much you could save, click here or click through to the companies below.

Understand that those prices are averaged across all drivers and vehicles in Oklahoma and and are not calculated with a specific rating modification for a Kia Forte. So the car insurance company that fits you best may not even be shown in the above rate chart. That underscores the importance of why you need to quote rates from many companies using your own individual information.

The example below illustrates how choosing a deductible can increase or decrease insurance prices when quoting cheap insurance for a Kia Forte. The premium estimates are based on a married male driver, full physical damage coverage, and no other discounts are factored in.

As shown above, a 30-year-old driver could lower their car insurance rates by $482 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $730 by using a $1,000 deductible. Even younger drivers, like the Age 20 category, could shave up to $1,458 or even more by using higher deductibles when buying full coverage. When using a larger deductible, it will be important to have enough savings set aside to allow you to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

How to get the cheapest insurance for a Kia Forte in Oklahoma

The list below details a few money-saving solutions that can help Oklahoma drivers buy cheap coverage.

• Vehicles with good safety ratings have lower liability rates
• Try to not file small claims
• Do not get tickets or violations
• Buy your homeowners policy from the same company as your auto insurance
• Do not get into accidents
• Comparison shop at least every other year

That last idea is remarkably significant, as was affirmed in the prior article. Car insurance rates fluctuate constantly, so don’t be hesitant to switch to a new company if a better deal can be had. Brand loyalty is not necessarily bad, but it isn’t a good idea if that faithfulness ends up costing you a fortune every year. In just a few minutes you could compare rates to find cheaper auto insurance for a Kia Forte.