Cheapest Insurance Quotes for a Kia Forte in Nevada

Our editors have a joke that when writing about auto insurance, the word “cheap” should not be used anywhere in the article. The fact is, cheap auto insurance for a Kia Forte can be extremely hard to find. Don’t let that get you down, though, because we will teach you how you can quote auto insurance that most people can afford.

The odds of finding the best cheap auto insurance for a Kia Forte in Nevada depends on a calculation that uses factors like how long your commute is, the insurance company you are currently insured with, and citations or violations on your driving record. Drivers on average pay around $840 a year to insure a Kia Forte, but that policy rate is based upon a 40-year-old single female driver that wants full physical damage coverage and $1,000 physical damage deductibles.

But there is a high probability that you are not exactly 40 years old and possibly not even female, married instead of single, and there is a good chance that there are other drivers on your policy. Insurance prices are based on the driver profile the most reliable method for finding cheap insurance rates for your Kia is to make a habit of comparing prices at least once a year.

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Your vehicle’s trim level tends to have a direct impact on price, so the price you will be charged to insure a Forte LX 4-Dr Sedan will be $190 less than the cost to insure the fancier Forte SX 2-Dr Coupe version, as shown in the chart below.

Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rate information does not factor in specific zip code location which can influence coverage prices significantly.

Figuring out which companies quote the lowest-priced insurance rates for a Kia Forte takes a little more sweat than just comparing rates from one or two companies.

Every car insurance company has a unique formula for determining prices, so let’s examine the most competitive insurance companies in Nevada. Keep in mind that Nevada insurance rates are calculated based on many things that may substantially change the cost of a policy. Simply getting older, moving across town, or getting a ticket for careless driving can trigger price changes resulting in some rates now being more affordable than the competition.

Best Cheap Insurance Rates for Your Forte

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Allied quotes some of the best car insurance rates in Nevada at around $921 a year. Travelers, Capital, Oregon Mutual, and American Family also qualify as some of the lowest-priced Nevada car insurance companies.

As shown in the table above, if you have coverage with Oregon Mutual and switched to Travelers, you might realize a yearly price reduction of around $243. Insureds with American Family might save as much as $279 a year, and Progressive policyholders might lower prices by $287 a year.

If you would like to find the cheapest insurance for a Kia Forte in Nevada, click here to start your custom quote or visit any of the companies below.

Understand that those premium estimates are averages for all drivers and vehicles in Nevada and and are not calculated with a specific rate value for a Kia Forte. So the insurer that has the cheapest rates for you may not even be included in the chart above. That emphasizes why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

The example below illustrates how your choice of deductibles can increase or decrease insurance costs when researching cheap insurance for a Kia Forte. The data assumes a married female driver, comp and collision included, and no discounts are factored in.

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The data above shows that a 50-year-old driver could reduce rates by $262 a year by changing from a $100 deductible to a $500 deductible, or save $396 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old, could save up to $648 or even more just by choosing higher deductibles when buying full coverage. When using a larger deductible, it will be necessary to have enough in a savings account to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.

Full coverage versus liability-only

Finding the cheapest insurance for a Kia Forte in Nevada is important to most drivers, and one of the easiest ways to save on the cost of insurance is to not insure for full coverage. The illustration below illustrates the difference between car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Nevada. Data assumes no driving violations, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 2443,1097],[‘Age 30’, 1309,603],[‘Age 40’, 1261,559],[‘Age 50’, 1157,525],[‘Age 60’, 1123,515],[‘Age 70’, 1401,687]]);var options = {title: ‘Full Coverage Versus Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Kia Forte in Nevada’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

Averaged for all ages 20 through 70, physical damage coverage costs $1,449 per year more than just buying liability only. At some point, almost every driver questions when is it a good idea to stop buying full coverage. There is no clear-cut formula that works best for making the decision to drop physical damage insurance, but there is a general guideline. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

There are some circumstances where removing full coverage is not recommended. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.