Cheap Insurance Quotes for a Kia Forte in Maine

Anytime the topic is car insurance, the words “cheap” or “affordable” really should not be used as a descriptor for car insurance rates. Excuse the oxymoron, but cheap auto insurance for a Kia Forte can seem impossible to find. Don’t get your dauber down, because we are going to show you some ways you can still get insurance that you are able to afford.

The odds of finding affordable auto insurance for a Kia Forte in Maine depends on a fairly complex equation with a lot of factors such as how long your commute is, if you have a coverage lapse, and deductibles for comprehensive and collision coverage. Maine drivers pay approximately $640 annually to insure a Forte, but that rate is a valuation based on rates for a 40-year-old married male driver who purchased full coverage including both comprehensive and collision and $100 policy deductibles.

More likely than not, you are not 40 and maybe not even a male, single instead of married, or maybe your Maine zip code is rated cheaper than the example. Everyone has different rating factors, so your best shot at finding the most affordable coverage for your Kia is to get into the habit of shopping around regularly.

Cheapest Kia Forte Insurance Rates

Your vehicle’s trim level tends to impact the yearly cost, so the cost to insure a Forte LX 4-Dr Sedan will be $164 lower than the price to insure the high end Forte SX 2-Dr Coupe model, as demonstrated by the prices below.

Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Maine minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Estimates do not factor in Maine location which can affect price quotes considerably.

Ratings for Maine car insurance companies

Picking a good quality insurer is hard considering how many companies there are to choose from in Maine. The company information in the lists below could help you select which auto insurers to look at when shopping car insurance rates for a Kia Forte. These rankings are only made up of the largest companies in the United States, so smaller companies are not taken into consideration for this list.

Discounts on cheap insurance for a Kia Forte in Maine

Insurance companies that sell policies for a Kia Forte may also give you discounts that could potentially reduce rates by 35% or more if you meet certain criteria. A list of car insurance companies and a summarized list of policyholder discounts can be found below.

The information below compares insurance costs with and without discounts applied to the policy premium. The rate quotes are based on a female driver, a clean driving record, no claims, Maine state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with accident-free, claim-free, anti-theft, marriage, vehicle safety, and passive restraint discounts applied. When discounts are applied, the the average yearly reduction on car insurance for a Kia Forte is % or $.

Full coverage or liability only

Finding cheap insurance for a Kia Forte in Maine is important to the majority of people, and one of the easiest ways to pay less for insurance is to buy only liability coverage. The chart below illustrates the comparison of car insurance rates when comparing full coverage to liability only. The premiums are based on no claims or violations, $500 deductibles, single status, and no discounts are factored in.

As an average for all age groups, physical damage insurance costs $1,313 per year more than buying just liability insurance. Many of you may wonder when is it safe to stop buying full coverage. There is no specific rule for excluding physical damage coverage, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.

There are some conditions where only buying liability is not a good plan. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage in place.

Is State Farm, Progressive, Geico, or Allstate cheaper?

When comparing insurance for a Forte in Maine, probably the best companies to start with are State Farm, Progressive, Geico, and Allstate. When combined, they have almost half of all auto insurance written. They all have your normal coverages like liability, comprehensive, and collision, but each one offers a unique set of features, discounts, and options that shoppers can select from. The following table compares ratings for price, service, and claims, in additional to some of the optional coverages that policyholders can buy.