Who Has Cheap Insurance Quotes for a Kia Forte in Alaska?

Our staff writers always rib each other than when writing about car insurance, the words cheap or affordable should never appear anywhere in the article as a descriptor for auto insurance rates. It’s a simple fact that cheap car insurance for a Kia Forte is almost non-existent. But don’t despair, because we are going to show you some ways you can still get coverage that is more budget-friendly.

The chances of finding affordable car insurance for a Kia Forte in Alaska depends on a lot of different factors like whether or not you are married, the likelihood of your vehicle being stolen, and your choice of physical damage deductibles. Drivers will pay around $780 each year to buy Kia Forte insurance, but that cost is an estimation based on rates for a 40-year-old married male that includes full coverage and $250 physical damage deductibles.

There is a good chance you are not a 40-year-old male, you might be single instead of married, or maybe you have a teenager that needs to be on your policy. Car insurance coverage is unique to each driver, so this is why the best method for finding the cheapest rates for your Kia is to compare as many rates as you can. Get a free quote now and you will get price quotes from the cheapest companies that offer coverage in Alaska.

Cheapest Kia Forte Insurance Rates

Your vehicle’s trim level will most likely have an effect on the cost of coverage, so the price you will pay to insure a Forte LX 4-Dr Sedan will be $188 cheaper than the insurance cost for the more costly Forte SX 2-Dr Coupe version, as shown in the chart below.

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Alaska minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in specific Alaska garaging location which can impact prices significantly.

Finding reliable, budget insurance is tough enough, and deciding which companies have the cheapest car insurance rates for a Kia Forte involves additional perseverance.

Every insurance company has their own unique process for establishing rates, so we need to take a look at the car insurance companies with the overall cheapest rates in Alaska. It’s important that readers know that Alaska car insurance rates are calculated based on many things which can significantly increase or decrease the cost of having a policy. Things like having a birthday, buying a different home, or getting a reckless driving citation may prompt premium changes that can make some companies cheaper in comparison to the competition.

Find the Cheapest Auto Insurance for Your Forte

Get a Free Quote and Save

Umialik may offer some of the most affordable car insurance rates in Alaska at around $865 a year. USAA, State Farm, Progressive, and GEICO also make the cut as some of the best Alaska auto insurance companies.

In this example, if you currently have coverage with Progressive and switched to USAA, you could see an annual savings of in the vicinity of $243. Drivers with GEICO might save as much as $919 a year, and Allstate customers might lower prices by up to $1,407 a year.

Be aware that those prices are averaged across all types of drivers and the different vehicles they drive and are not factoring in a specific rating modification for a Kia Forte. So the auto insurance company that fits your age and vehicle best may not even be featured in the chart above. That illustrates why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.

The example below demonstrates how deductible levels can influence insurance rates when quoting cheap insurance for a Kia Forte. The prices are based on a married female driver, comp and collision included, and no discounts are applied to the premium.

The chart above illustrates that a 30-year-old driver could pocket $300 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $454 by choosing a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could roll back prices up to $644 every year just by choosing higher deductibles when buying full coverage.

When using a larger deductible, it is necessary to have enough in a savings account to offset the extra out-of-pocket expense, which deters some people from using high deductibles.

Discounts on cheap insurance for a Kia Forte in Alaska

Insurance companies that offer cheap quotes for a Kia Forte may additionally offer policy discounts that could potentially reduce rates by 35% or more if you meet the requirements. Popular car insurance companies and a selection of discounts can be found below.

• State Farm offers discounts including student away at school, multiple autos, anti-theft, good student, passive restraint, and multiple policy.
• GEICO may include discounts for multi-vehicle, military active duty, air bags, federal employee, emergency military deployment, and multi-policy.
• SAFECO includes discounts for anti-lock brakes, accident prevention training, homeowner, teen safety rewards, anti-theft, and bundle discounts.
• Farmers Insurance has discounts for teen driver, youthful driver, alternative fuel, good student, and pay in full.
• AAA may have discounts that include AAA membership discount, multi-car, anti-theft, good student, and education and occupation.
• USAA discounts include driver training, good student, new vehicle, multi-policy, loyalty savings, vehicle storage, and defensive driver.

The information below illustrates the difference between insurance prices with and without discounts applied. The data assumes a female driver, no claims or violations, Alaska state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with marriage, defensive driving course, passive restraint, accident-free, vehicle safety, and multiple vehicle discounts applied. When drivers qualify for the discounts, the the amount saved on car insurance for a Kia Forte is 28% or $510.

Progressive, Geico, Allstate, or State Farm: Who is cheapest?

If you’re looking for the best insurance for a Forte, the four most popular companies are Progressive, Geico, Allstate, and State Farm. The following table compares some of the different features shoppers can find with each company.