Cheapest Insurance Quotes for a Kia Forte in Delaware

Cheapest Insurance Quotes for a Kia Forte in Delaware

When talking about car insurance, the word “cheap” really should not be used anywhere in the article to describe car insurance prices. It’s a simple fact that cheap car insurance for a Kia Forte is pretty hard to find. Don’t let that spoil your day, because we will teach you how you can find and buy insurance that is cheaper than what you have now.

Your chances of finding the cheapest insurance for a Kia Forte in Delaware depends upon a complicated equation that takes into consideration things like whether or not your vehicle has good safety ratings, whether or not you have prior claims, and your policy deductibles. Drivers on average pay approximately $1,330 every 12 months to buy insurance for a Kia Forte, but that rate is an estimation calculated using a 50-year-old single female that has full comprehensive and collision coverage and $100 deductibles.

There is a very good chance that you’re not a 50-year-old female, married instead of single, or maybe you just want different deductibles. Not every driver requires the same auto insurance coverages, so the most reliable way to find the most affordable coverage for your Kia is to regularly compare rates at renewal.

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The trim level of your Forte can impact the yearly cost, so the price you will pay to insure a Forte LX 4-Dr Sedan will be $336 less than the price to insure the higher-priced Forte SX 2-Dr Coupe trim level, as shown by the rates below.

Kia Forte Insurance Rates in Delaware
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $300 $508 $458 $28 $138 $1,432 $119
Forte EX 4-Dr Sedan $300 $508 $458 $28 $138 $1,432 $119
Forte SX 4-Dr Sedan $338 $618 $458 $28 $138 $1,580 $132
Forte EX 2-Dr Coupe $338 $728 $518 $30 $154 $1,768 $147
Forte SX 2-Dr Coupe $338 $728 $518 $30 $154 $1,768 $147
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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Delaware minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Table data does not factor in vehicle location which can increase or decrease coverage rates noticeably.

How to find a good Delaware auto insurance company

Buying coverage from the right insurance company is difficult considering how many companies there are to choose from in Delaware. The rank data listed below can help you pick which companies you want to consider when shopping insurance around for a Kia Forte. These rankings are only made up of large insurance companies, so smaller companies that only insure vehicles in Delaware are not factored into the list.

Top Ten Auto Insurance Companies in Delaware
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
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Data Source: Insure.com Best Car Insurance Companies

Discounts on Delaware car insurance rates

Discounts on auto insurance for a Kia ForteInsurers that sell the cheapest insurance for a Kia Forte in Delaware may provide price discounts that can lower rates by as much as 30% if you can meet the requirements. Large auto insurance companies and the discounts they provide are detailed below.

Auto Insurance Discounts for Popular Insurance Companies
Discount Geico State Farm Allstate Progressive Nationwide Farmers Liberty Mutual
Multi-policy Yes Yes Yes Yes Yes Yes Yes
Multiple vehicles Yes Yes No Yes Yes Yes Yes
Anti-theft Yes Yes Yes Yes Yes Yes Yes
Anti-lock brakes Yes Yes Yes No No No Yes
Air bags Yes Yes Yes No Yes Yes Yes
Running lights Yes Yes No No No Yes No
New car No Yes Yes No Yes Yes No
Accident-free Yes Yes Yes Yes Yes Yes No
Defensive driving course Yes Yes Yes Yes Yes Yes No
Low miles No Yes Yes Yes Yes No Yes
Armed forces Yes Yes No Yes No Yes No
Occupational Yes No No No Yes Yes Yes
Paid in full Yes No Yes Yes Yes Yes Yes
Automatic payment Yes No Yes Yes Yes Yes Yes
Brand loyalty No Yes No Yes Yes Yes No
Good student Yes Yes Yes Yes Yes Yes Yes
Student at college No Yes Yes Yes Yes Yes Yes
Own a home No No No Yes No Yes No
Seat belt use Yes No No No No No No
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The diagram below shows the comparison of insurance premiums with and without policy discounts. Data assumes a female driver, a clean driving record, no at-fault accidents, Delaware state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with vehicle safety, marriage, anti-theft, homeowner, claim-free, and safe-driver discounts applied. When these discounts are applied, the the average amount saved on auto insurance for a Kia Forte is % or $.

How to find cheaper insurance for a Kia Forte

The list below summarizes many thrifty suggestions that can help Delaware drivers find cheap auto insurance.

  • Avoid having at-fault accidents
  • Better credit rating means better rates
  • Avoid getting tickets or violations
  • Higher comprehensive and collision coverage deductibles will save money
  • Buy a safer vehicle
  • Shop around once a year for cheaper rates

That last piece of advice is highly crucial, as we discussed in the prior information. Auto insurance prices adjust often, so don’t hesitate to change insurance companies if you find a better deal.

Brand loyalty is not necessarily bad, but is isn’t recommended if that loyalty results in overpaying lots of money. In just a few minutes you could shop around and find cheaper auto insurance for a Kia Forte.

Who has the cheapest Kia Forte insurance quotes?

There are a variety of different ways to compare auto insurance prices in Delaware, but the most frequently used ways are from a non-exclusive or independent agent, a captive (or exclusive) agent such as Auto-Owners or State Farm, or from a direct company like Progressive. Each way has the same basic steps, but buyers should know the differences in how they give price quotes.

Independent insurance agents are appointed by several companies and can compare coverage rates with each one. Agents of this type have the ability to provide you with more rate quotes, which may provide you with more bang for your buck. If your agent finds a cheaper company, they simply move your policy to a different company and you don’t have to do anything.

An exclusive ageny is restricted to just one company, examples being State Farm and Allstate agents. Exclusive agents normally do not have the ability to compare other company’s rates, which requires you to shop around.

Opting to purchase auto insurance direct means you forego an exlusive or independent agent and buy buying direct from a company like Esurance or Progressive. This option can be a good choice for people who have fewer assets and know how auto insurance works and possible exclusions.

Which way works best for finding the cheapest insurance for a Kia Forte in Delaware? One answer would be buying direct yields the cheapest rates since there is no need to pay agent commissions, but in reality, that is not the case. A good argument could also be made that an independent agency guarantees the best prices since there are more companies to choose from, but that idea is not necessarily true either. And sometimes, exclusive agencies may have very competitive prices that other auto insurance companies cannot touch.

Because of the variability of auto insurance rates, really the only way to not overpay for auto insurance is to get rate quotes and compare. Put in the effort to get prices from all three types to get an idea of which is cheapest. For a list of auto insurance companies with low rates, click here to view.