Cheap Insurance Quotes for a Kia Forte in Hawaii

Finding affordable coverage for a Kia Forte in Hawaii relies on a calculation that uses factors like how old the Forte is, if you have ever let your policy lapse, and any prior driving citations you have received. Drivers on average will pay $770 every 12 months for Forte insurance, but that price is an approximation using cost data for a 40-year-old married female driver that has full comprehensive and collision coverage and $250 policy deductibles.

Chances are good that you are not 40 and maybe not even a female, you might be single instead of married, and you possibly have other drivers on your policy that need factored in. Having just a slight change in policy rating data can make a big difference in rates.

Every driver’s needs are different, and that is why the only way to find the cheapest insurance price for your Kia is to just compare rates yourself. In less than five minutes you will receive rate quotes from top-rated companies available.

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The specific model of Forte will likely have an effect on the cost of insurance, so the rate you pay to insure a Forte LX 4-Dr Sedan model will be $190 lower than the price to insure the high end Forte SX 2-Dr Coupe trim level, as shown by the rates below.

Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rate quotes do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage prices noticeably.

Car insurance companies ranked

Selecting the top insurance company can be rather challenging considering how many companies there are in Hawaii. The company information shown below can help you select which car insurance companies you want to consider when buying insurance for a Kia Forte. The ratings below are for companies that write coverage in many states, so companies without a large exposure are not included in these rankings.

Safe drivers pay less for car insurance

One of the best ways to get cheap insurance for a Kia Forte in Hawaii is to be a careful driver and avoid getting tickets or having accidents. The diagram below shows how violations and accidents impact insurance costs for different categories of driver ages. Data assumes a single female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

The data above shows the average cost of car insurance in Hawaii per year with no accidents and a clean driving record is $1,466. Factor in two speeding tickets and the average cost increases to $1,961, an increase of $495 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Kia Forte increases to an average of $3,831. That’s an increase of $2,365, or $197 per month, just for a couple of infractions!

The illustration below demonstrates how choosing different deductibles can influence insurance costs when researching cheap insurance for a Kia Forte. The rates are based on a single female driver, comp and collision included, and no additional discounts are factored in.

The chart above illustrates that a 40-year-old driver could save $218 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $332 by using a $1,000 deductible. Younger drivers, like the Age 20 category, could potentially save up to $550 each year by choosing a higher deductible. If you make the decision to raise deductibles, it is essential to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.

Which major car insurance company is best?

When shopping for auto insurance, the first places to look would be State Farm, Geico, Allstate, and Progressive. The table below shows price and claims rank as well as some different options you can expect with each one.

Who has the cheapest Kia Forte insurance quotes?

Drivers have a lot of ways to find cheaper car insurance in Hawaii, but the most prevalent ways are through a captive (or exclusive) agency like Allstate or Liberty Mutual, an independent insurance agent, or direct either online or via phone. You can use whichever you prefer, but car insurance shoppers should know the differences in how they function.

Independent insurance agencies have contracts with many companies and can compare rates with each one. They are not required to write business for one company and can quote rates with many companies, which can give you more bang for your buck. If they find a lower price, your agent can switch companies and you can remain with the same agent.

Exclusive agencies are only able to place business with a single insurance company, two popular examples being a Farmers or Allstate agent. These guys and gals cannot provide prices from multiple companies, so you will not be able to compare their rates to other companies.

Choosing to buy car insurance direct means you do not use an exlusive or independent agent and instead buy buying direct from a company like Progressive or Geico. This option may be the best choice people who do not have complex finances and understand the exclusions of a policy.

Out of those three methods, which one works best to buy cheap insurance for a Kia Forte in Hawaii? We’d like to tell you buying direct saves the most money since there isn’t an agent involved, but that is not always the case. We could also say that buying car insurance from an independent agent guarantees the best prices since there are more companies to choose from, but that is not accurate either. And occasionally, the exclusive agents have coverage prices that are impossible to beat.

Because of the variability of car insurance rates, the best way to make sure you’re not overpaying for car insurance is to get quotes and compare the rates. Smart shoppers will get prices from all three types in order to be able to find the lowest price. For a list of companies with online discounts, click here to view.