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

Your chances of buying the best cheap insurance for a Kia Forte in Colorado is contingent on a lot of factors such as how old the vehicle is, the size of your vehicle, and physical damage deductibles. Colorado drivers pay around $1,140 a year to buy Kia Forte insurance, but that policy rate is based on rates for a 30-year-old married female with full coverage and $100 physical damage deductibles.

If we were betting, you are not 30 and maybe not even a female, possibly single instead of married, and there is a good chance that there are other drivers on your policy. Having different needs demonstrates why the best way to quote cheap auto insurance rates for your Kia is to put in the effort to do a thorough rate comparison. In just a couple of minutes you will be able to see rates from the best auto insurance companies in Colorado.

Find Cheaper Kia Forte Insurance

The trim level of your Kia tends to impact the cost of coverage, so the price you will pay to insure a Forte LX 4-Dr Sedan trim level will be $288 less expensive the insurance cost for the higher-priced Forte SX 2-Dr Coupe model, as shown in the table below.

Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Prices do not factor in zip code location which can modify rates substantially.

Buying low-cost car insurance is confusing at best, and deciding which company has the most affordable car insurance rates for a Kia Forte calls for more quotes for comparison.

Every auto insurer has their own process for setting prices, so we’ll go over the most affordable car insurance companies in Colorado.

Find the Cheapest Auto Insurance for Your Forte

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The Hartford may offer some of the cheapest car insurance rates in Colorado at around $859 annually. Grange, USAA, Nationwide, and Auto-Owners would also make the list of some of the more affordable Colorado insurance companies.

As shown above, if you are a policyholder with USAA and switched to The Hartford, you might achieve an annual savings of in the vicinity of $150. Drivers with Nationwide may save as much as $296 a year, and Auto-Owners policyholders might lower prices by up to $309 a year.

To see if you’re overpaying, click here to start a quote or visit several of the following companies.

Remember that these policy prices are averaged for all types of drivers and the different vehicles they drive and are not factoring in a specific rate factor for a Kia Forte. So the insurer that fits your needs best may not even be included in the company chart above. That point stresses why you need to get rate quotes from many companies using your own specific driver information and vehicle.

Careless driving habits raise car insurance rates

In a perfect world, the ideal way to earn the cheapest insurance for a Kia Forte in Colorado is to be a safe driver and avoid traffic citations and accidents. The information below highlights how speeding tickets and at-fault collisions drive up yearly insurance costs for each age group. The premiums are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

In the previous example, the average cost of a car insurance policy per year with no accidents or violations is $2,341. Add in two speeding tickets and the average cost jumps to $3,245, an increase of $904 each year. Now include two accidents along with the two speeding tickets and the annual cost of car insurance for a Kia Forte increases to an average of $6,425. That’s an increase of $4,085, or $340 per month, just for not paying attention while driving!

The diagram below shows how choosing a deductible can change premium costs when getting quotes for cheap insurance for a Kia Forte. The premium estimates are based on a single female driver, full physical damage coverage, and no discounts are factored in.

As shown above, a 50-year-old driver could save $290 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $440 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old, could reduce their rates as much as $728 or more just by choosing larger deductibles.

If you do decide to increase your deductibles, it is a good idea to have enough savings set aside to allow you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Tips to find budget-friendly car insurance for a Kia Forte

Lowering your rates is not difficult, and here are many money-saving solutions that can help drivers locate lower-cost auto insurance.

• Buying home and auto insurance together can earn discounts
• If possible, do not file small claims
• Buy a vehicle with excellent safety ratings
• At-fault accidents can raise rates significantly
• Violations like speeding or DUI increase rates
• Shop around once a year for cheaper rates

That last piece of advice is remarkably crucial, as we noted in the article above. Prices charged by auto insurers in Colorado go up and down frequently, so you should be ready to change insurance companies if a more affordable price is available. Having brand loyalty is commendable, but is isn’t recommended if that faithfulness ends up costing you potentially thousands of dollars a year. It takes less than five minutes to compare rates to find cheaper auto insurance for a Kia Forte.

Cheapest Kia Forte insurance quotes

Consumers have many ways to quote and buy car insurance in Colorado, but the most prevalent ways are from an exclusive agency like Allstate or Liberty Mutual, a non-exclusive or independent agent, or direct from companies such as Geico or Progressive. Each way has the same basic steps, but they are slightly different in how they give price quotes.

Independent insurance agents write for multiple companies and can quote your policy with every one. These types of agencies do not write with just one company and can give you more rates, which can help you get improved odds of finding cheaper coverage. If a cheaper rate is found, it’s easy for the agent to move the policy and you don’t have to do anything.

An exlusive, or captive, agency is only able to write business for a single company, a couple examples are a Farmers or Allstate agent. Exclusive agents cannot quote rates from more than one company, so if rates are not competitive, they cannot shop around.

Buying from a direct company means bypass local agents and instead shop direct online or over the phone from a company like Progressive or Geico. Shopping for car insurance direct can be good for people who do not need high levels of coverage and have an above average understanding of what limits they need.

So comparing independent agents, exclusive agents, and direct, which one works best for finding the cheapest insurance for a Kia Forte in Colorado? It would be premature to say buying direct results in the cheapest price since that eliminates agent commissions, but that is not always the case. A valid argument could also be made that going through an independent agent results in the best rates because you have more choices, but again, that’s not a true statement. In many circumstances, exclusive agents have coverage prices well below independent agents AND direct companies.

Due to the large number of rating factors, really the best method to ensure the lowest rates is to compare, compare, and compare some more. Be sure to get prices from all three to have enough rates to compare. For a list of companies with online discounts, click here to view.