If you want to find the absolute lowest rates, then the best way to get cheaper Kia Forte insurance is to compare prices at least once a year from different companies who sell auto insurance in Columbus. Prices can be compared by following these steps.
- Step 1: Take a few minutes and learn about individual coverages and the things you can control to keep rates in check. Many policy risk factors that cause high rates like traffic tickets, fender benders, and a not-so-good credit rating can be amended by making minor changes to your lifestyle. Later in this article we will cover more ideas to help prevent costly coverage and find discounts that may have been missed.
- Step 2: Compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like GEICO and State Farm, while independent agencies can provide price quotes from multiple companies. Compare rates
- Step 3: Compare the price quotes to the premium of your current policy and see if there is a cheaper rate. If you find better rates and decide to switch, make sure coverage does not lapse between policies.
- Step 4: Tell your current company of your decision to cancel your current policy. Submit the required down payment along with the signed application to your new carrier. Once coverage is bound, keep your new certificate of insurance with the vehicle registration.
The critical component of shopping around is to compare the same level of coverage on every price quote and and to look at every insurance company. This helps ensure a level playing field and plenty of rates choose from.
Astonishing but true, most consumers have bought auto insurance from the same company for at least four years, and nearly the majority have never shopped around. Many drivers in Columbus could save as much as $729 each year, but they don’t believe the big savings they would realize if they switch to a new company.
Locating the best rates in Columbus can be much easier if you know how to start. If you’re already insured, you will surely be able to find the best rates using these methods. Shoppers just have to learn the quickest method to compare different rates online.
Compare Columbus Kia Forte insurance rate quotes
Finding a better price on car insurance is an easy way to save money. All that’s required is to invest a little time comparing price quotes online with multiple companies.
The companies shown below are our best choices to provide price comparisons in Ohio. If multiple providers are shown, we recommend you visit two to three different companies in order to find the cheapest rates.
Rates and other information
The premium table shown below covers estimates of insurance rates for Kia Forte models. Being able to understand how auto insurance policy rates are calculated can assist in making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $104 | $172 | $296 | $18 | $88 | $678 | $57 |
| Forte EX 4-Dr Sedan | $104 | $172 | $296 | $18 | $88 | $678 | $57 |
| Forte SX 4-Dr Sedan | $118 | $210 | $296 | $18 | $88 | $730 | $61 |
| Forte EX 2-Dr Coupe | $118 | $248 | $334 | $20 | $100 | $820 | $68 |
| Forte SX 2-Dr Coupe | $118 | $248 | $334 | $20 | $100 | $820 | $68 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate information does not factor in the specific area where the vehicle is garaged which can alter auto insurance rates substantially.
Can higher deductibles save money?
One frequently asked question is how high should the physical damage coverage deductibles be. The tables below show the differences in price when you choose different comp and collision deductibles. The first data table uses a $250 deductible for comp and collision and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $176 | $242 | $226 | $14 | $68 | $751 | $63 |
| Forte EX 4-Dr Sedan | $176 | $242 | $226 | $14 | $68 | $751 | $63 |
| Forte SX 4-Dr Sedan | $198 | $296 | $226 | $14 | $68 | $827 | $69 |
| Forte EX 2-Dr Coupe | $198 | $348 | $256 | $16 | $76 | $919 | $77 |
| Forte SX 2-Dr Coupe | $198 | $348 | $256 | $16 | $76 | $919 | $77 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $108 | $152 | $226 | $14 | $68 | $568 | $47 |
| Forte EX 4-Dr Sedan | $108 | $152 | $226 | $14 | $68 | $568 | $47 |
| Forte SX 4-Dr Sedan | $122 | $186 | $226 | $14 | $68 | $616 | $51 |
| Forte EX 2-Dr Coupe | $122 | $220 | $256 | $16 | $76 | $690 | $58 |
| Forte SX 2-Dr Coupe | $122 | $220 | $256 | $16 | $76 | $690 | $58 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rates do not factor in garaging location in Columbus which can alter premium rates noticeably.
Based on the figures above, using a $250 deductible will cost you about $18 more each month or $216 annually than opting for the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 42 months between claims, you would most likely save money if you opt for a higher deductible.
Calculate deductible break even point
| Average monthly premium for $250 deductibles: | $70 |
| Average monthly premium for $1,000 deductibles (subtract): | – $52 |
| Monthly savings from raising deductible: | $18 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $18 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 42 months |
One big caveat is that a higher deductible results in more money out-of-pocket when you file a claim. You need to make sure you have some savings in the bank in the event you have to pay more for the deductible.
The diagram below demonstrates how choosing different deductibles and can influence Kia Forte insurance rates for different insured age categories. The prices are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.
Accidents and violations increase rates
The chart below shows how speeding tickets and at-fault fender-benders can affect Kia Forte insurance costs for each different age category. The premiums assume a single male driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.
Cost difference between full coverage and liability
The illustration below compares Kia Forte auto insurance rates with full physical damage coverage compared to only buying liability only. The data assumes no violations or accidents, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.
When to stop buying full coverage
There isn’t a steadfast formula for excluding full coverage, but there is a broad guideline. If the yearly cost of full coverage is more than 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your Kia Forte settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $5,000 after paying your policy deductible. If you are paying more than $500 annually for full coverage, then it’s probably a good time to buy liability coverage only.
There are some circumstances where eliminating full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage.
Protect your Forte and other assets
Despite the high cost of buying insurance for a Kia Forte in Columbus, maintaining insurance serves a purpose in several ways.
- Almost all states have compulsory liability insurance requirements which means the state requires a minimum amount of liability coverage if you want to drive legally. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Forte has a loan, most lenders will require you to have full coverage to guarantee payment of the loan. If you do not keep the policy in force, the bank may insure your Kia for a much higher rate and force you to pay for the expensive policy.
- Insurance protects your Kia Forte and your assets. It will also reimburse you for medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability coverage will also pay attorney fees in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.
The benefits of buying car insurance outweigh the cost, particularly when you have a large claim. But the average American driver is overpaying over $830 a year so it’s very important to do a rate comparison every year to make sure the price is not too high.
Which is the best auto insurance?
Always keep in mind that when comparing your policy, there is no one-size-fits-all type of policy. Everyone’s situation is a little different.
For instance, these questions might help in determining if your situation might need an agent’s assistance.
- How high should my uninsured/underinsured coverage be in Ohio?
- What is PIP insurance?
- How can I get my company to pay me more for my totaled car?
- What is an SR-22 filing?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Am I covered if hit by an uninsured driver?
- Do I have coverage for damage caused while driving under the influence?
If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and can provide invaluable advice.
Coverage specifics
Learning about specific coverages of your car insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.
Auto liability insurance
This coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.
Liability coverage pays for things like funeral expenses, medical services and medical expenses. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible. Ohio state minimum liability requirements are 25/50/25 but you should think about purchasing more coverage.
The illustration below shows why the minimum limit may not be adequate.
Comprehensive protection
This coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things such as a broken windshield, vandalism, hitting a bird and rock chips in glass. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage pay for expenses like ambulance fees, hospital visits and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and may carry a deductible
Collision coverage protection
Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision insurance covers claims such as rolling your car, scraping a guard rail, crashing into a building, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible on your Forte to save money on collision insurance.
Uninsured or underinsured coverage
This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required (which is 25/50/25), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.
More quotes mean more car insurance savings
Consumers who switch companies do it for a variety of reasons including being labeled a high risk driver, policy cancellation, not issuing a premium refund and even delays in responding to claim requests. Regardless of your reason for switching companies, finding a great new company is not as difficult as it may seem.
We just showed you many ideas to lower your Kia Forte insurance rates in Columbus. The key concept to understand is the more you quote Columbus auto insurance, the better your comparison will be. You may even be surprised to find that the most savings is with a company that doesn’t do a lot of advertising.
A few companies do not offer online rate quotes and these regional insurance providers sell through independent agents. Cheap Kia Forte insurance in Columbus is definitely available on the web and also from your neighborhood Columbus agents, and you should compare price quotes from both so you have a total pricing picture.
More information can be found at the links below
- Side Impact Crash Tests (iihs.org)
- Who Has Cheap Auto Insurance Quotes for a Company Car in Columbus? (FAQ)
- Who Has the Cheapest Columbus Auto Insurance for Veterans? (FAQ)
- Who Has Affordable Car Insurance Rates for High Mileage Drivers in Columbus? (FAQ)
- Who Has the Cheapest Columbus Auto Insurance for a Toyota Tacoma? (FAQ)
- Who Has Cheap Car Insurance Rates for a Learners Permit in Columbus? (FAQ)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Comprehensive Coverage (Liberty Mutual)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Understanding your Policy (NAIC.org)