Insurance for Kia ForteDo you want to stop overpaying and find more competitive Kia Forte insurance in Atlanta? Wish you could get a refund on an overpriced auto insurance policy? Believe me, there are lots of Atlanta residents who feel the same.

It's hard to fathom, but a large majority of consumers kept buying from the same company for at least four years, and nearly half have never compared quotes from other companies. The average driver in America can save roughly 46.5% each year just by comparing rates, but most just don't grasp how much they could save if they switched. Since vehicle owners have many auto insurance companies to choose from, it's difficult to locate the lowest price auto insurance company.

This article's intent is to teach you a little about the best methods to compare rates and how to save the most money. If you already have coverage, you will surely be able to get lower rates using the concepts you're about to learn. Smart buyers only need to know the most efficient way to shop their coverage around online.

Best companies for Kia Forte insurance

The auto insurance companies shown below are ready to provide price comparisons in Atlanta, GA. If multiple companies are shown, it's a good idea that you visit several of them to find the cheapest auto insurance rates.

Kia Forte Insurance Rates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $182 $260 $402 $24 $120 $988 $82
Forte EX 4-Dr Sedan $338 $518 $532 $32 $158 $1,578 $132
Forte SX 4-Dr Sedan $348 $562 $406 $24 $122 $1,462 $122
Forte EX 2-Dr Coupe $374 $828 $538 $32 $162 $1,934 $161
Forte SX 2-Dr Coupe $204 $430 $578 $34 $172 $1,418 $118
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Premium costs do not factor in specific location information which can increase or decrease coverage rates noticeably.

Physical damage deductibles: Should you raise them?

A question often asked by Atlanta drivers is which deductible level should you buy. The comparison tables below help summarize the differences in price of buying low and high comp and collision deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second set of prices uses a $500 deductible.

Kia Forte insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $304 $420 $394 $24 $118 $1,285 $107
Forte EX 4-Dr Sedan $304 $420 $394 $24 $118 $1,285 $107
Forte SX 4-Dr Sedan $344 $512 $394 $24 $118 $1,417 $118
Forte EX 2-Dr Coupe $344 $604 $444 $26 $134 $1,577 $131
Forte SX 2-Dr Coupe $344 $604 $444 $26 $134 $1,577 $131
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Kia Forte insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $248 $340 $394 $24 $118 $1,124 $94
Forte EX 4-Dr Sedan $248 $340 $394 $24 $118 $1,124 $94
Forte SX 4-Dr Sedan $278 $414 $394 $24 $118 $1,228 $102
Forte EX 2-Dr Coupe $278 $486 $444 $26 $134 $1,368 $114
Forte SX 2-Dr Coupe $278 $486 $444 $26 $134 $1,368 $114
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Information does not factor in Atlanta location which can lower or raise auto insurance rates noticeably.

Based on the data above, we can derive that using a $250 deductible will cost you about $15 more each month or $180 every year than quoting the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you usually have at least 17 months between claim filings, you would probably save some money if you choose a higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $119
Average monthly premium for $500 deductibles (subtract): - $104
Monthly savings from raising deductible: $15
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One important caveat is that increasing deductibles to save money means you will have to cover more of the damage yourself when you file a claim. You must have access to more funds in order to pay more to get your vehicle repaired.

Verify you're getting every discount

Not many people think insurance is cheap, but you might find some hidden discounts that you may not know about. Most are applied when you purchase, but lesser-known reductions have to be asked for before being credited.Discount auto insurance

Please keep in mind that some of the credits will not apply to the entire cost. Some only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, that's just not realistic.

A list of companies and their possible discounts include:

If you need affordable Kia Forte insurance quotes, ask all companies you are considering to apply every possible discount. Some of the earlier mentioned discounts may not apply everywhere. To see a list of providers who offer auto insurance discounts in Georgia, follow this link.

Atlanta Insurance Prices are Influenced by These Factors

Consumers need to have an understanding of the factors that come into play when calculating your car insurance rates. If you have a feel for what determines premiums, this allows you to make good choices that may result in big savings. Lots of factors are part of the calculation when you get your auto insurance bill. Some of the criteria are obvious such as your driving history, although some other factors are more transparent such as your marital status or your vehicle rating.

The following are a few of the "ingredients" companies use to determine your premiums.

You are unique and your auto insurance should be too

When selecting the right insurance coverage, there really isn't a cookie cutter policy. Everyone's situation is unique so your insurance should reflect thatSafe vehicles cost less to insure Here are some questions about coverages that might point out if your insurance needs may require specific advice.

If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you don't have a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Exclusive versus independent insurance agents

Many people just want to buy from a local agent and doing that can be a smart decision Experienced insurance agents can help you build your policy and will help you if you have claims. A nice benefit of getting online price quotes is the fact that drivers can get cheap car insurance rates and still buy from a local agent. And buying from local agents is important especially in Atlanta.

By using this quick form, your insurance data is submitted to participating agents in Atlanta who want to provide quotes for your car insurance coverage. It simplifies rate comparisons since you won't have to search for any insurance agencies because quoted prices will be sent directly to you. If for some reason you want to compare rates from one company in particular, feel free to go to their quote page and fill out their quote form.

If you're trying to find a reliable insurance agent, there are two different types of agencies and how they can quote your rates. Car insurance agents in Atlanta can either be exclusive or independent agents depending on their company appointments. Both do a good job, but it's worth learning the difference in the companies they write for because it can factor into the type of agent you choose.

Independent Agencies or Brokers

Independent agencies do not have single company limitations so they can quote policies with multiple insurance companies and find you cheaper rates. If your agent finds better pricing, your policy is moved internally and you stay with the same agent. When shopping rates, we recommend you include price quotes from independent agents to have the most options to choose from.

The following are independent insurance agents in Atlanta that can give you pricing information.

2987 Clairmont Rd #425 - Atlanta, GA 30329 - (404) 633-6332 - View Map

193 Auburn Ave NE - Atlanta, GA 30303 - (404) 525-1600 - View Map

501 Pulliam St SW #514a - Atlanta, GA 30312 - (404) 474-6356 - View Map

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Exclusive Car Insurance Agencies

Agents of this type can only quote rates from one company like Allstate, Farmers Insurance or State Farm. Exclusive agents are unable to compare other company's rates so they have to upsell other benefits. Exclusive insurance agents receive a lot of sales training on their company's products which helps them compete with independent agents.

Below is a list of exclusive insurance agencies in Atlanta that can give you rate quotes.

3280 Howell Mill Rd NW #107 - Atlanta, GA 30327 - (404) 856-4950 - View Map

1544 Piedmont Ave NE #107 - Atlanta, GA 30324 - (404) 892-0101 - View Map

587 Virginia Ave NE Unit 3A - Atlanta, GA 30306 - (404) 575-4147 - View Map

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Finding a good insurance agent requires you to look at more than just the bottom line cost. The following questions are important to ask.

Cheaper car insurance is a realistic goal

We covered a lot of information how to lower your Kia Forte insurance premium rates in Atlanta. It's most important to understand that the more price quotes you have, the higher your chance of finding affordable Atlanta car insurance quotes. You may even find the lowest priced car insurance comes from some of the lesser-known companies. Some small companies may have significantly lower prices on certain market segments compared to the large companies like Progressive and GEICO.

Discount Kia Forte insurance in Atlanta is possible online and from local insurance agents, so you need to quote Atlanta car insurance with both to have the best rate selection. Some companies may not offer online quoting and most of the time these small, regional companies only sell through independent agents.

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