When we talk about auto insurance, the words cheap or affordable really shouldn’t be used anywhere to describe car insurance prices. It’s just reality that cheap auto insurance for a Kia Forte can be difficult to find. We’ll try to make it up to you, because we will teach you how you can still get auto insurance that works with your budget.
Whether or not you can find the cheapest insurance for a Kia Forte in South Carolina depends upon a complex formula that considers things such as whether you are a homeower, what you do for a living, and if you have a clean driving record. Drivers in South Carolina pay approximately $770 annually to buy Kia Forte insurance, but that is based on rate data for a 40-year-old married male who needs full comprehensive and collision coverage and $1,000 deductibles.
There is a good possibility you’re not a 40-year-old male, possibly single instead of married, or maybe you have a speeding ticket that needs to be factored in. Having what appears to be a very minor change in quote information can cause big changes in price quotes.
Insurance is an individual thing, so your best shot at finding the cheapest rates for your Kia is to do a thorough rate comparison. It only takes a couple of minutes and you will receive price comparisons from the best companies that offer coverage in South Carolina.
Compare Kia Forte Insurance Rates
The specific trim level tends to impact the cost of insurance, so the rate you pay to insure a Forte LX 4-Dr Sedan trim level will be $172 lower than the price to insure the higher-end Forte SX 2-Dr Coupe model, as shown by the rates below.
Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
---|---|---|---|---|---|---|---|
Forte LX 4-Dr Sedan | $148 | $212 | $352 | $20 | $106 | $838 | $70 |
Forte EX 4-Dr Sedan | $148 | $212 | $352 | $20 | $106 | $838 | $70 |
Forte SX 4-Dr Sedan | $168 | $258 | $352 | $20 | $106 | $904 | $75 |
Forte EX 2-Dr Coupe | $168 | $302 | $398 | $24 | $118 | $1,010 | $84 |
Forte SX 2-Dr Coupe | $168 | $302 | $398 | $24 | $118 | $1,010 | $84 |
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Information does not factor in vehicle location which can raise or lower prices greatly.
Finding a highly-rated car insurance provider can be rather challenging considering how many companies there are in South Carolina. The company rank data shown next may help you select which insurers to look at when comparing rate quotes. These rankings include the largest auto insurers in America, so companies with more of a regional focus are not included in the list.
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 |
Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
The General | 86 | 93 | 89 | 84% | A- | 88.2 |
GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
Finding cheap insurance for a Kia Forte in South Carolina is the goal of most drivers, and one of the best ways to save on the cost of insurance is to not buy full coverage. The diagram below visualizes the comparison of insurance costs with full coverage and liability only. The data is based on no claims or violations, $500 deductibles, marital status is single, and no other discounts are factored in.
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As an average, full coverage on your policy costs $1,787 per year over having just liability coverage. That is a large expense which might make you wonder if you should buy full coverage at all. There is no set guideline of when to drop full coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your vehicle’s settlement value is $5,500 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $4,500 after the policy deductible has been paid. If you are paying more than $450 a year for physical damage coverage, then you may need to consider dropping full coverage.
There are some conditions where buying only liability insurance is not advised. If you still owe money on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not opt for liability only.
When researching insurance for a Forte, four of the best places to start are Geico, State Farm, Allstate, and Progressive. Combined they make up over 45% of all policies written. All offer liability and physical damage insurance, but each one has a distinct set of features and optional coverages that may influence which company you choose. The following table points out pricing and service ratings, as well as optional policy coverages offered by each one.
Geico | State Farm | Allstate | Progressive | |
---|---|---|---|---|
Price Ranking | 1st | 2nd | 4th | 3rd |
Number of Discounts | 2nd | 3rd | 1st | 4th |
Overall Satisfaction | 1st | 4th | 2nd | 3rd |
Claims Handling | 3rd | 2nd | 1st | 4th |
Amount of market share | 11.4% | 18.3% | 10% | 8.8% |
Customers who recommend | 87% | 88% | 86% | 88% |
Mechanical breakdown insurance | Yes | No | No | Yes |
Emergency roadside assistance | Yes | Yes | Yes | Yes |
Usage-based insurance | No | Yes | Yes | Yes |
New car replacement insurance | No | No | Yes | No |
Coverage for Uber and Lyft drivers | Yes | Yes | Yes | Yes |
Accident forgiveness | Yes | No | Yes | Yes |
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It is possible to find better rates, and here are some penny-pinching solutions that can help you locate lower-cost auto insurance.
That last tip is remarkably valuable, as was pointed out in this article. Prices charged by auto insurers can be modified anytime, so don’t be unwilling to buy from a different company if a better deal can be had. Staying with the same car insurance company is fine, but it’s not a great idea if that inflexibility results in costing you major coinage every year. In just a few minutes you could compare rates to find cheaper insurance for a Kia Forte.