Cheapest Insurance for a Kia Forte in New Jersey

Your chances of buying cheap auto insurance for a Kia Forte in New Jersey is contingent on a lot of things like the number of years you have been licensed, if you are a frequent claim filer, and if you have a clean driving record. Drivers in New Jersey will pay on average $1,340 each year to buy insurance for a Kia Forte, but that price is based upon a 50-year-old married female driver that has full coverage including both comprehensive and collision and $100 physical damage deductibles.

This brings up the issue that more than likely you are not 50 years old and maybe not even female, single instead of married, and you don’t want the same coverages and limits as the example. Changing even a minor factor in rating variables or coverage information can cause big differences in the amount insurance costs for a Kia Forte.

Different coverage needs are the reason why the most reliable way to find affordable rates for your Kia is to just take the time to compare rates yourself. It takes less than five minutes and you will receive prices from top-rated car insurance companies in New Jersey.

Cheapest Kia Forte Insurance Rates

Your Kia’s trim level has an effect on the insurance rate, so the rate you will pay to insure a Forte LX 4-Dr Sedan will be $340 less than the insurance cost for the fancier Forte SX 2-Dr Coupe model, as shown in the prices below.

Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rate information does not factor in specific location information which can raise or lower coverage prices considerably.

Finding dependable, affordable insurance is not the easiest thing to accomplish, and determining which companies quote the best auto insurance rates for a Kia Forte may require even more work. Every insurance provider has a proprietary method to determine premium rates, so we’ll go over the most affordable auto insurance companies in New Jersey.

We do need to point out that New Jersey auto insurance rates are based on many factors which can substantially decrease or increase the price of your policy. Improving your financial situation, buying a home instead of renting, or getting caught speeding can trigger changes in premium that can cause some rates to be cheaper than competitors.

Best Cheap Insurance Rates for Your Forte

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21st Century quotes some of the lowest car insurance rates in New Jersey at around $1,111 each year. Travelers, New Jersey Manufacturers, Palisades, and Penn National also are some of the cheaper New Jersey car insurance companies.

As the example above demonstrates, if you currently have coverage with Travelers and switched to 21st Century, you may see yearly savings of around $34. Policyholders with New Jersey Manufacturers could save as much as $160 a year, and Palisades policyholders might reduce prices by as much as $230 a year.

Remember that these prices are averaged for all types of insureds and vehicles and and are not figured with a specific rate value for a Kia Forte. So the insurer that fits your situation best may not even be included in the above list. That underscores the importance of why you need to get quotes using your own specific driver information and vehicle.

Discounts on the cheapest insurance for a Kia Forte in New Jersey

Insurance companies that sell policies for a Kia Forte may also give you rate discounts that could lower prices by as much as 30% if you are eligible for them. Popular auto insurance companies and some of the discounts can be read below.

The information below compares insurance prices with and without policy discounts. The price estimates are based on a female driver, no accidents, no driving violations, New Jersey state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with vehicle safety, claim-free, multiple vehicle, safe-driver, passive restraint, and multiple policy discounts applied. When these discounts are applied, the average amount saved each year on auto insurance for a Kia Forte is 42% or $482.

Bad driving habits will cost you more

The best way to earn the cheapest insurance for a Kia Forte in New Jersey is to drive safe and avoid accidents and traffic citations. The information below illustrates how traffic citations and at-fault collisions can affect annual premium costs for different age groups. The premiums assume a married female driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.

The data in the chart shows the average cost of auto insurance in New Jersey per year with no violations or accidents is $2,326. Factor in one speeding ticket and the average cost jumps to $2,707, an increase of $381 each year. Now add in two accidents along with the one speeding ticket and the 12-month cost of auto insurance for a Kia Forte goes up to an average of $5,974. That’s an increase of $3,648, or $304 per month, just for a couple of infractions!