How Much is Insurance for a Kia Forte in Pennsylvania?

Finding affordable insurance for a Kia Forte in Pennsylvania depends on a lot of rating factors like the safety rating of your vehicle, where your vehicle is garaged, and citations on your driving record. Drivers in Pennsylvania pay on average $940 every 12 months to insure their Forte, but that policy rate is an estimation using rating data for a 40-year-old married male that purchased full comprehensive and collision coverage and $250 physical damage deductibles.

There is a good possibility you are not exactly 40 years old and possibly not even male, possibly single instead of married, or you need different deductibles. This demonstrates why the most reliable method for finding cheap insurance prices for your Kia is to start the habit of comparing rates at least once a year. Get a free quote now and you will receive prices from the best companies that offer coverage in Pennsylvania.

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Your vehicle’s trim level will likely have an effect on price, so the price to insure a Forte LX 4-Dr Sedan will be $228 less expensive the cost to insure the high end Forte SX 2-Dr Coupe model, as demonstrated by the prices below.

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Premium costs do not factor in garaging location in Pennsylvania which can raise or lower price quotes noticeably.

Selecting the top car insurance provider can be difficult considering how many choices there are in Pennsylvania. The ranking data displayed below could help you choose which auto insurance companies to look at when shopping around. The rankings below are only made up of insurance companies that insure vehicles in the majority of U.S. states, so smaller companies that only insure vehicles in Pennsylvania are not taken into consideration for the list.

How to get discounts on Pennsylvania car insurance

Insurers that provide cheap insurance for a Kia Forte in Pennsylvania may provide price discounts that may potentially lower prices by as much as 35% or more if you qualify. A few popular companies and some of the premium reductions they offer can be found below.

• 21st Century offers discounts including early bird, good student, anti-lock brakes, homeowners, teen driver, defensive driver, and driver training.
• State Farm has discounts for good driver, student away at school, defensive driving training, multiple policy, Steer Clear safe driver discount, and multiple autos.
• AAA policyholders can earn discounts including AAA membership discount, good student, education and occupation, good driver, and pay-in-full.
• Liberty Mutual may include discounts for new vehicle discount, newly retired, good student, hybrid vehicle, newly married, new move discount, and multi-car.
• Progressive may offer discounts for homeowner, multi-vehicle, continuous coverage, good student, and multi-policy.

The illustration below shows the comparison of insurance prices with and without discounts applied to the policy rates. The premiums are based on a female driver, no violations or accidents, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple policy, anti-theft, accident-free, multiple vehicle, defensive driving course, and safe-driver discounts applied. When these discounts are applied, the the amount saved on car insurance for a Kia Forte is 28% or $596.

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Full coverage rates compared to liability only

Finding cheap insurance for a Kia Forte in Pennsylvania is probably important to the majority of drivers, and a great way to pay lower rates for insurance is to buy liability only. The chart below shows the difference between insurance premiums with full phyical damage coverage and with liability coverage only. The premiums assume no claims or driving citations, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

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On average, physical damage coverage on your policy costs $2,104 per year more than carrying just liability coverage. That may make you wonder if paying for full coverage is worth it. There is no set rule to stop paying for comp and collision coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let’s assume your vehicle’s claim settlement value is $5,500 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $4,500 after the deductible is paid. If premium cost is more than $450 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.

Which car insurance company is best?

If you want reliable insurance for a Forte in Pennsylvania, the companies with the most market share are State Farm, Geico, Allstate, and Progressive. Each company has different features and discounts that can influence your buying decision. The data below compares and contrasts price and claims rank as well as some different options shoppers can find with each company.