Kia Forte Insurance Rate Quotes in San Francisco

Insurance quote for Kia Forte in San FranciscoSmart shoppers know that insurance companies don’t want policyholders to shop around. People who get price quotes annually will presumably switch car insurance companies because of the high probability of finding more affordable rates. Remarkably, a study showed that drivers who compared rate quotes regularly saved on average $850 each year compared to policyholders who never shopped around.

If finding the best rates on Kia Forte insurance in San Francisco is your goal, then having some knowledge of how to shop and compare insurance rates can save money and time.

The recommended way to find cheaper Kia Forte insurance in San Francisco is to regularly compare price quotes from companies in California. This can be done by completing these steps.

  1. It will benefit you to learn about individual coverages and the modifications you can make to drop your rates. Many rating factors that drive up the price such as getting speeding tickets and a negative credit score can be remedied by improving your driving habits or financial responsibility. This article provides more ideas to keep prices down and get discounts that may be available to you.
  2. Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like GEICO and State Farm, while independent agencies can provide prices from many different companies.
  3. Compare the new rates to your current policy to see if a cheaper price is available in San Francisco. If you find a better price and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.

An important bit of advice to remember is to compare identical coverages on each quote request and and to analyze every company you can. This helps ensure a fair price comparison and a thorough price selection.

These discounts can lower your auto insurance quotes

Companies offering auto insurance do not list every discount very well, so the following list contains a few of the more well known and the more hidden credits that may apply to you.

While discounts sound great, it’s important to understand that some credits don’t apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky.

The illustration below illustrates the comparison of Kia Forte premium costs with and without discounts applied to the policy premium. The rates are based on a female driver, a clean driving record, no claims, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-policy, marriage, multi-car, and claim-free discounts applied.

Popular auto insurance companies and a partial list of their discounts are detailed below.

It’s a good idea to ask every company how you can save money. A few discounts might not apply in your state. To find providers that offer the discounts shown above in California, click here to view.

The are a couple different ways of comparing rates from auto insurance companies in your area. One of the best ways to find cheaper Kia Forte rates consists of obtaining rate quotes online.

Comparing free rate quotes online is easy and it, makes it obsolete to go to insurance agents’ offices. Comparing online rate quotes has made agencies unnecessary unless your situation requires the personal advice of an agent trained in personal lines coverage. You can, however, comparison shop online and get advice from an agent in your area. When comparing auto insurance rates, know that more quotes provides better odds of finding more affordable rates. Some regional insurers cannot provide San Francisco Forte insurance quotes over the internet, so it’s important to also get rates from the smaller companies as well.

The following companies have been selected to offer free rate quotes in California. If several companies are displayed, we recommend you visit as many as you can to get the most competitive price.

Analysis of Kia Forte rates

The coverage information shown next highlights detailed analysis of policy rates for Kia Forte models. Having insight into how car insurance prices are calculated can aid in making decisions on which insurance to purchase.

Kia Forte Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $328 $534 $574 $34 $172 $1,642 $137
Forte EX 4-Dr Sedan $328 $534 $574 $34 $172 $1,642 $137
Forte SX 4-Dr Sedan $370 $650 $574 $34 $172 $1,800 $150
Forte EX 2-Dr Coupe $370 $766 $650 $38 $194 $2,018 $168
Forte SX 2-Dr Coupe $370 $766 $650 $38 $194 $2,018 $168
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Rate information does not factor in specific San Francisco garaging location which can decrease or increase auto insurance rates noticeably.

Raise deductibles and save

One of the more difficult decisions when buying car insurance is which deductible level should you buy. The data tables below may help to illustrate the rate difference of buying low and high physical damage deductibles. The first set of rates uses a $100 deductible and the second pricing table uses a $500 deductible.

Kia Forte insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $380 $564 $442 $26 $132 $1,569 $131
Forte EX 4-Dr Sedan $380 $564 $442 $26 $132 $1,569 $131
Forte SX 4-Dr Sedan $430 $686 $442 $26 $132 $1,741 $145
Forte EX 2-Dr Coupe $430 $810 $500 $30 $150 $1,945 $162
Forte SX 2-Dr Coupe $430 $810 $500 $30 $150 $1,945 $162
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Kia Forte insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $278 $382 $442 $26 $132 $1,260 $105
Forte EX 4-Dr Sedan $278 $382 $442 $26 $132 $1,260 $105
Forte SX 4-Dr Sedan $314 $464 $442 $26 $132 $1,378 $115
Forte EX 2-Dr Coupe $314 $546 $500 $30 $150 $1,540 $128
Forte SX 2-Dr Coupe $314 $546 $500 $30 $150 $1,540 $128
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Estimates do not factor in specific zip code location which can increase or decrease coverage prices significantly.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs an average of $30 more each month or $360 every year across all Kia Forte models than quoting the higher $500 deductible. Since you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 13 months between claim filings, you would save money going with the higher deductible.

Impact of speeding/accidents on San Francisco car insurance rates

The information below demonstrates how citations and accidents impact Kia Forte insurance premiums for different age groups of insureds. The rate quotes are based on a single female driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.

Full coverage rates compared to liability-only

The information below shows the comparison of Kia Forte auto insurance rates with full physical damage coverage and with liability coverage only. Data assumes a clean driving record, no claims, $100 deductibles, drivers are not married, and no other discounts are factored in.

When to drop full coverage

There isn’t a steadfast formula of when to stop paying for full coverage, but there is a general guideline. If the annual cost of your full coverage insurance is about 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Kia Forte replacement cost is $5,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after you pay the deductible. If premiums are more than $400 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.

There are some conditions where buying only liability insurance is not financially feasible. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not opt for liability only.

Informed Decisions Result in Lower Insurance Costs

When buying auto insurance it’s important to understand the factors that aid in calculating the rates you pay for auto insurance. When you know what positively or negatively controls the rates you pay, this allows you to make good choices that can earn you lower premium levels. Many factors are part of the equation when you get a price on insurance. Some of the criteria are obvious such as your driving history, although others are not quite as obvious such as whether you are married or how safe your car is.

The items below are some of the things utilized by car insurance companies to help set premiums.

Your situation helps dictate your coverage

When choosing adequate coverage, there isn’t really a perfect coverage plan. Each situation is unique.

Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form.

Are auto insurance agents a thing of the past?

Certain consumers just prefer to get advice from a local agent and that is OK! A good thing about price shopping on the web is you may find the lowest rates and still buy from a local agent. And providing support for local insurance agencies is especially important in San Francisco.

Insurance agency in San FranciscoAfter filling out this simple form, the quote information gets sent to companies in San Francisco who will give you quotes to get your business. You won’t need to contact any agents because prices are sent to you directly. You can most likely find cheaper rates without the usual hassles of price shopping. In the event you want to get a comparison quote from a particular provider, you just need to visit that company’s website and complete a quote there.

Shown below are San Francisco insurers that can give you price quotes for Kia Forte insurance in San Francisco.

188 S Park St #4San Francisco, CA 94107(415) 227-9833View Map

690 Monterey BlvdSan Francisco, CA 94127(415) 610-8000View Map

220 Montgomery St #480San Francisco, CA 94104(415) 397-2994View Map

1643 Noriega StSan Francisco, CA 94122(415) 564-0333View Map

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Deciding on an insurer should include more criteria than just the premium amount. Get answers to these questions too.

Why you need insurance for your Forte

Despite the potentially high cost of Kia Forte insurance, maintaining insurance serves several important purposes.

The benefits of having insurance are definitely more than the cost, especially when you need to use it. On average, a vehicle owner in San Francisco is overpaying more than $850 per year so we recommend shopping around each time the policy renews to be sure current rates are still competitive.

In conclusion

People switch companies for many reasons like an unsatisfactory settlement offer, not issuing a premium refund, denial of a claim or even high rates after DUI convictions. It doesn’t matter why you want to switch choosing a new company is less work than it seems.

We just covered quite a bit of information on how to save on Kia Forte insurance in San Francisco. The key concept to understand is the more you quote San Francisco auto insurance, the higher your chance of finding low cost San Francisco auto insurance quotes. Consumers may even find the best rates are with a company that doesn’t do a lot of advertising.

While you’re price shopping online, do not skimp on coverage in order to save money. In many instances, consumers will sacrifice liability coverage limits to discover at claim time they didn’t have enough coverage. The aim is to get the best coverage possible at the best possible price while not skimping on critical coverages.

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