How Much are Insurance Quotes for a Kia Forte in Missouri?

Our editors have a joke that when writing about car insurance, the word cheap really shouldn’t be used anywhere in the article as a descriptor for auto insurance rates. Excuse the oxymoron, but cheap auto insurance for a Kia Forte is almost non-existent. Don’t let that spoil your day, because we are going to show you how you can get insurance that you can afford.

Your chances of buying the best cheap auto insurance for a Kia Forte in Missouri is dependent upon a pretty complex algorithm that uses a lot of factors such as how old you are, whether or not you garage your vehicle, and any driving offenses on your record. Missouri drivers pay on average $700 every 12 months to buy insurance for a Kia Forte, but that amount is an estimation using a 30-year-old married female that has full physical damage coverage and $500 physical damage deductibles.

But there is a good chance that you aren’t exactly 30 years old or even a female, you might be single instead of married, or you just prefer to insure for liability only. Every policy is rated specifically for the driver, so your best chance at finding the cheapest insurance price for your Kia is to take your time and compare rates from as many companies as possible.

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Your Kia’s trim level can impact the coverage cost, so the rate you will pay to insure a Forte LX 4-Dr Sedan trim level will cost $166 less than the cost to insure the more expensive Forte SX 2-Dr Coupe model, as shown in the table below.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Price information does not factor in vehicle garaging location which can raise or lower auto insurance rates considerably.

Finding good, affordable auto insurance is tough enough, and figuring out which insurers offer the best insurance rates for a Kia Forte involves even more shopping around. Every car insurance company uses slightly different criteria for filing rates in each state, so we’ll go over the most affordable insurance companies in Missouri.

It’s a good idea to be aware that Missouri insurance rates are impacted by many factors that may substantially change the price of your policy. Events like turning one year older, increasing deductibles, or getting into an accident may generate price changes that can now make some companies cheaper than before.

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USAA may have some of the best car insurance rates in Missouri at around $642 a year. The Hartford, Electric, Allied, and Auto-Owners also make the cut as some of the most economical Missouri auto insurance companies.

As shown in the table above, if you are a policyholder with Allied and switched to USAA, you may realize an annual savings of upwards of $207. Customers with Auto-Owners could save as much as $365 a year, and Travelers policyholders might lower prices by up to $366 a year.

Be aware that those premiums are averages for all insureds and vehicles and do not factor in a specific rate factor for a Kia Forte. So the insurer that is best suited for you may not even be in the rate chart shown above. That point stresses why you need to get rate quotes using your own specific driver and vehicle information.

Discounts on cheap insurance for a Kia Forte in Missouri

Auto insurance companies that offer cheap quotes for a Kia Forte may also provide price discounts that can reduce rates by as much as 30% if you meet specific eligibility requirements. A few popular companies and a summarized list of policyholder discounts are included below.

The example below visualizes the comparison of insurance rates with and without policy discounts. The premiums are based on a female driver, no claims or violations, Missouri state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with accident-free, multiple vehicle, marriage, multiple policy, vehicle safety, and safe-driver discounts applied. When drivers qualify for the discounts, the the average amount saved on insurance for a Kia Forte is 15% or $292.

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Is Geico, Progressive, Allstate, or State Farm cheaper?

When it comes to buying insurance for a Forte in Missouri, the companies with the most market share are Geico, Progressive, Allstate, and State Farm. When combined, they make up nearly half of all vehicles in the U.S.. The following table ranks some of the different options that policyholders can buy.

How to find cheap insurance for a Kia Forte in Missouri

The list below shows some of the better thrifty solutions that can help Missouri drivers buy the cheapest coverage.

• Improve your credit
• Buy vehicles with five-star safety ratings
• If your vehicles are older, consider dropping full coverage
• Accident-free drivers may qualify for discounts
• Increase your comprehensive and collision deductibles
• Keep your driving record clean
• Check for cheaper rates once a year

That last piece of advice is certainly critical, as was pointed out in this write-up. Auto insurance rates fluctuate considerably, so drivers shouldn’t hesitate to change insurance companies if a lower price can be found. Brand loyalty is not necessarily bad, but it’s not recommended if that inflexibility results in costing you a small fortune. It only takes a couple minutes to compare rates and find cheaper car insurance for a Kia Forte.

Cheapest Kia Forte insurance quotes

Thanks to technology, there are a lot of ways to get cheap insurance quotes in Missouri, but the most common methods are using an exclusive insurance agency like State Farm or Liberty Mutual, an independent insurance agent, or buying direct from a company like Progressive or Geico.

You can use whichever you prefer, but insurance shoppers should know the differences in how they work.

Independent insurance agencies have contracts with multiple insurance companies and can compare rates with every one. These types of agencies have the option to get prices from more than one company, which can give you the best idea of how your rates compare. If you want to switch companies, your policy is moved internally and you can remain with the same agent.

An exclusive agent is usually restricted to a single company, two popular examples being an Auto-Owners or State Farm agent. They are unable to give you multiple price quotes, so unless you get quotes from other companies, you cannot determine which is cheapest.

When you buy insurance direct, you bypass the middleman (the agent) and buy direct either online or via phone. This option can be good for families who do not need advice for risk management and have an above average understanding of what is covered and what is not.

So which of the methods works best to find cheap insurance for a Kia Forte in Missouri? The quick answer would be buying direct results in the best prices because there isn’t an agent involved, but that is generally not the case. It could also be said buying insurance from an independent agent saves the most money since there are more companies to choose from, but again, that’s not a true statement. In the right set of circumstances, exclusive agencies have very competitive rates that are the lowest in Missouri.

Because of the variability of insurance rates, the only real way to buy the cheapest coverage is to get rate quotes and compare. Money-saving experts recommend you get quotes from all three 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.