Cheapest Insurance for a Kia Forte in Washington

When writing about shopping for car insurance, the words “cheap” or “affordable” should never appear as a descriptor for auto insurance rates. Forgive the oxymoron, but cheap auto insurance for a Kia Forte may be a thing of the past. But don’t let us ruin your dream, because we will teach you how you can still find auto insurance that is considered budget-friendly.

Your chances of finding the cheapest auto insurance for a Kia Forte in Washington is dependent upon a complex equation that considers factors such as the number of years you have been licensed, if you have ever let your coverage lapse, and the level of deductible you choose. Drivers pay an average of $870 a year to buy Kia Forte insurance, but that rate is a ballpark figure based on rates for a 30-year-old married female who needs both comprehensive and collision coverage and $250 physical damage deductibles.

There is a very good chance that you may not be 30 years old (or even female), you might be single instead of married, or maybe you just want liability only. What seems to be a small difference in policy rating criteria or coverages can make a big difference in the policy rate.

This shows why the most reliable way to find the cheapest rates for your Kia is to shop your policy around at every renewal. It’s really quite easy you will receive price comparisons from the cheapest companies available.

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The trim level of your vehicle will influence the insurance rate, so the cost to insure a Forte LX 4-Dr Sedan will cost $218 less than the price to insure the higher-end Forte SX 2-Dr Coupe version, as shown in the prices below.

Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Estimates do not factor in vehicle garaging location which can change prices greatly.

Finding out which companies quote the most affordable auto insurance rates for a Kia Forte takes a bit more effort in order to find the most economical policy. Each insurer has a proprietary method for setting rates, so let’s examine the lowest cost auto insurance companies in Washington.

Keep in mind that Washington auto insurance rates are impacted by many things which can substantially change the cost of your policy. Turning one year older, increasing deductibles, or having an at-fault accident can produce rate changes that may make certain companies cheaper than others.

Best Cheap Insurance Rates for Your Forte

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Capital generally has some of the most affordable car insurance rates in Washington at around $761 each year. Grange, Nationwide, PEMCO, and Travelers also qualify as some of the lowest-priced Washington auto insurance companies.

In the above example, if you are a customer of Nationwide and switched to Capital, you may realize savings of approxmiately $200. Customers with PEMCO may save as much as $243 a year, and Travelers customers might lower prices by up to $277 a year.

Understand that those premiums are averages for all types of drivers and the different vehicles they drive and and are not figured with a specific rate value for a Kia Forte. So the auto insurance company that has the cheapest rates for you may not even be in the rate chart shown above. That point stresses why you need to quote rates from many companies using your own driver information and specific vehicle type.

Difference between full coverage and liability only rates

Finding the cheapest insurance for a Kia Forte in Washington is important to the majority of drivers, and a good way to find cheaper insurance is to not pay for full coverage. The information below shows the difference between premium costs when comparing full coverage to liability only. The rates are based on no tickets, no at-fault accidents, $500 deductibles, single marital status, and no discounts are factored in.

Averaged for all ages 20 through 70, full coverage costs an additional $1,678 per year over and above liability only. At some point, about every driver wonders if full coverage is worth the money. There is no exact rule to stop paying for comp and collision coverage, but there is a general convention. If the annual cost of coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your vehicle’s claim settlement value is $9,500 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $8,500 after paying the physical damage deductible. If it’s costing in excess of $850 annually for full coverage, then you may want to consider only buying liability coverage.

You are probably paying too much for Forte insurance

Washington auto insurance rates are impacted by many factors that control the price you pay for coverage. Improving your credit score, having a teenage driver, or getting a ticket for careless driving can trigger rate changes resulting in some rates now being more affordable than competitors.

And not only may your rating factors change, but insurers file new Washington auto insurance rates at least once a year in order to maintain liquidity for claims. Higher than normal claims may cause rate increases, while a better claims history may cause lower-priced Forte insurance rates.

To illustrate this point, the data below shows the companies that have the cheapest car insurance in Washington for a 40-year-old female driver with a good driving record, no prior claims, and solid credit. Based on her current rating profile, Capital may have the lowest car insurance rates in Washington at $754 each year. This is $658 less than the average price paid by Washington drivers of $1,412. Grange, PEMCO, Nationwide, and Mutual Enumclaw are also on the list of the best Washington auto insurance companies.

In this example, we will give the driver in the first chart an accident surcharge, a lower credit rating, and a few traffic violations. Since every car insurance company uses their own calculation to establish rates, comparing insurance quotes may now present a slightly different list of companies as shown below.

The Hartford now has the best price on car insurance in Washington with USAA, Chubb, California Casualty, and State Farm completing the list. This illustrates why it is critical to compare as many rates as possible to get the most affordable car insurance rates for a Kia Forte. Rates are impacted by many factors and can change without notice, so the most economical company two years ago may now be wasting a lot of money.

Who has the cheapest Kia Forte insurance quotes?

Due to technology, there are many ways to compare auto insurance prices in Washington, but the most common ways are using an exclusive agency such as Allstate or State Farm, a non-exclusive or independent agent, or buying direct from a company like Geico or Progressive. You can use whichever you prefer, but they differ in how they provide price quotes.

Independent insurance agents write for multiple companies and can provide price quotes from each one. Independent agents can give you more rate choices, which can help you get improved chances of finding a lower rate. If cheaper coverage is found, an independent agent can move your coverage which requires no work on your part.

Exclusive agencies are only able to give rates for a single company, examples being Farmers Insurance or State Farm agents. Exclusive agents are unable to quote prices from more than a single company, so it’s a good idea to get additional quotes.

Choosing to buy auto insurance direct means you do not use local agents and instead shop from a direct company like Esurance. This option can be good for drivers who do not have a complex risk profile and have knowledge of how their policy works.

So which way is best to buy the cheapest insurance for a Kia Forte in Washington? We’d like to tell you shopping direct results in the cheapest rates since there isn’t an agent involved, but unfortunately, that is not the case. We could also assume that an independent agent saves the most money since they can quote with many companies, but that idea is not necessarily true either. And often times, exclusive agents have price quotes that are the cheapest in Washington.

Because of the variability of auto insurance rates, really the only way to not overpay for auto insurance is to obtain price quotes and compare them. Money-saving experts recommend you get quotes from all three to have enough rates to compare. A great place to start is our list of online companies offering discounts: click here to view.

How to find the cheapest insurance for a Kia Forte in Washington

Lowering your rates is not difficult, and here are some penny-pinching solutions that can help you quote low-cost coverage.

• Raise your physical damage coverage deductibles
• Drop full coverage on older vehicles
• Having too many claims will increase rates substantially
• Maintaining good credit helps earn cheaper rates
• Vehicles with safetly features generally cost less to insure
• Buy your auto and home insurance from the same company and save
• Compare rates regularly and switch companies to save money

That last idea is particularly significant, as was discussed in this write-up. Prices charged by auto insurers in Washington change frequently, so don’t be hesitant to switch carriers if a more affordable rate is found.

Many drivers have brand loyalty and that’s fine, but we do not recommend it if that loyalty results in overpaying big bucks every year. It only take a few minutes to compare rates and find cheaper insurance for a Kia Forte.