Who Has Cheap Insurance Quotes for a Kia Forte in Rhode Island?

When we talk about car insurance, the words cheap or affordable should not be used anywhere in the article to describe car insurance rates. The fact is, cheap auto insurance for a Kia Forte can be hard to find. But don’t despair, because we will show you how you can still find and buy auto insurance that may not be cheap, but it is affordable.

Buying affordable insurance for a Kia Forte in Rhode Island hinges on a complex formula that considers things like your marital status, your profession, and any past driving violations you may have had. Drivers in Rhode Island on average pay around $1,400 annually for Forte insurance, but that amount is a ballpark figure rating a 40-year-old single female that wants full comprehensive and collision coverage and $250 policy deductibles.

That rate won’t apply to everyone, because more than likely you aren’t exactly 40 years old or even a female, maybe you are married instead of single, or maybe your Forte is a different trim level than the example. Having just a slight change in rating factors can result in a big discrepancy in the price of coverage.

Every driver’s needs are different, and that is why the best method for finding cheap insurance prices for your Kia is to make a habit of comparing prices at least once a year.

View Kia Forte Insurance Rates

The trim level of your Kia will be a contributing factor to the cost of coverage, so the price to insure a Forte LX 4-Dr Sedan trim level will be $346 cheaper than the price to insure the higher-priced Forte SX 2-Dr Coupe trim level, as shown in the prices below.

Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Rhode Island minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Premium costs do not factor in your specific Rhode Island location which can decrease or increase coverage rates considerably.

Finding the top car insurance company can be difficult considering how many choices drivers have in Rhode Island. The rank data displayed below may help you choose which providers to look at comparing prices from. The rankings below are only comprised of the companies with a significant amount of written premium nationwide, so companies that focus mainly on Rhode Island business are not taken into consideration for this list.

Top 10 Major Car Insurance Companies Overall in Rhode Island

1. The General
2. The Hartford
3. Progressive
4. Travelers
5. State Farm
6. Farmers Insurance
7. Safeco Insurance
8. USAA
9. GEICO
10. 21st Century

Top Companies for Kia Forte Insurance in Rhode Island

Discounts on Rhode Island car insurance

Insurance providers that provide cheap insurance for a Kia Forte in Rhode Island may also give you special discounts that could lower prices by as much as 35% or more if you qualify. A few of the larger companies and their possible discounts are:

The chart below visualizes the comparison of annual premium costs with and without discounts applied to the premium. The costs are based on a female driver, no driving violations, no at-fault accidents, Rhode Island state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with defensive driving course, homeowner, claim-free, multiple vehicle, vehicle safety, and passive restraint discounts applied. When taking advantage of discounts, the the average amount saved on insurance for a Kia Forte is 34% or $471.

How to find low-cost car insurance for a Kia Forte

Here are many penny-pinching ideas that can help Rhode Island drivers get lower-cost coverage.

• Avoid accidents and claims
• Safer vehicles generally have cheaper insurance rates
• Maintaining good credit helps earn cheaper rates
• Save money by only buying liability coverage for older vehicles
• Bundle home or renters insurance to earn a discount on car insurance
• Compare rate quotes often

The last idea is remarkably crucial, as was discussed in the article above. Prices charged by car insurance companies in Rhode Island go up and down frequently, so don’t be hesitant to buy a policy from a new company if a better rate can be found. Many drivers prefer to stick with one company, but we do not recommend it if that faithfulness ends up costing you money that could be spent on other things. If you have a few minutes, compare prices and find cheaper car insurance for a Kia Forte.

Cheap Kia Forte insurance quotes

There are quite a few ways to quote cheap insurance rates in Rhode Island, but the most popular are either through an exclusive insurance agent such as Liberty Mutual or State Farm, an independent insurance agent, or buying direct from a company like Progressive or Geico. You can use whichever method you prefer, but each is slightly different in how they function.

Independent insurance agencies work with multiple companies and can quote your policy with all of them. Independent agents are usually affiliated with several companies and can provide you with more rates, which may provide you with improved chances of finding a lower rate. If your agent finds a cheaper company, the agent simply finds a different carrier and you don’t have to do anything.

An exclusive agent is only able to write with one insurance company, examples being an Auto-Owners or Allstate agent. They are unable to compare other company’s rates, so they have no alternatives for high prices.

Opting to purchase insurance direct means you do not use a local insurance agent and instead buy direct from companies such as Esurance or Progressive. This option is a good choice for drivers who do not have a complex risk profile and understand what insurance covers and what it doesn’t.

When shopping for insurance, which way works best to find cheap insurance for a Kia Forte in Rhode Island? The majority of people assume that buying from a direct car insurance company results in the best prices because there isn’t an agent involved, but that turns out to not be true. We could also say that buying from an independent agent is the best way to go due to more options, but that is not accurate either. In some circumstances, exclusive agents have really good rates that are the lowest in Rhode Island.

Because it’s impossible to say who has the best insurance rates, really the only way to ensure you are not overpaying is to compare rate quotes from as many companies as possible. The ideal approach is to get prices from all three types to have a good selection of rates to choose from. A great place to start is our list of online companies offering discounts: click here to view.