Cheapest Insurance Quotes for a Kia Forte in South Dakota

The likelihood of finding cheap car insurance for a Kia Forte in South Dakota is contingent on a whole bunch of factors like whether you are a new or experienced driver, your geographic location, and any driving offenses on your record. Drivers pay around $750 every 12 months to buy Kia Forte insurance, but that figure is an approximation based on cost data for a 40-year-old married male that has comprehensive and collision coverage and $500 deductibles.

But there is a good chance that you are not 40 years old and maybe not even male, you might be single instead of married, or maybe your Forte doesn’t need full coverage. Everyone has different rating factors, so the only way to find cheap auto insurance rates for your Kia is to put in the effort and compare rates. It takes less than five minutes and you will be able to see rates from top-rated car insurance companies in South Dakota.

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The trim level of your Kia tends to impact the cost of coverage, so the price you pay to insure a Forte LX 4-Dr Sedan model will be $178 less expensive the price to insure the higher-end Forte SX 2-Dr Coupe model, as demonstrated by the prices below.

Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Prices do not factor in specific South Dakota garaging location which can revise price quotes substantially.

Finding decent, reasonably-priced insurance is not always easy, and finding out which company offers the lowest-priced insurance rates for a Kia Forte may require even more shopping around. Each company has a proprietary formula to set policy rates, so we’ll take a look at the most competitive insurance companies in South Dakota.

It’s a good idea to know that South Dakota insurance rates are impacted by many things that can increase the cost of a policy. This is why it is critical to shop around with many companies when trying to find the most budget-friendly auto insurance rates for a Kia Forte. Prices can be determined by many risk factors and change substantially, so the best company the last time you compared rates may now be wasting a lot of money.

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USAA normally has some of the cheapest car insurance rates in South Dakota at around $650 a year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Western National are also some of the best South Dakota auto insurance companies.

In the above example, if you are a customer of Farmers Mutual of Nebraska and switched to Auto-Owners, you might realize a yearly price reduction of in the neighborhood of $91. South Dakota drivers with Western National might save as much as $131 a year, and Unitrin insureds might see rate reductions of $160 a year.

It’s important to note that these policy rates are averaged for all insureds and vehicles and do not take into consideration a specific rate value for a Kia Forte. So the company that is best for you may not even be shown in the list of companies above. That affirms the importance of why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

Cost comparison with and without full coverage

Finding the cheapest insurance for a Kia Forte in South Dakota is probably important to most vehicle owners, and one of the easiest ways to pay lower rates for insurance is to not buy full coverage. The example below shows the comparison of auto insurance costs with full coverage compared to only the South Dakota minimum liability coverage. The costs are based on a clean driving record, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are factored in.

As an average for all age groups, full coverage costs an additional $1,887 per year more than insuring for liability only. That raises the question when is the right time to remove full coverage. There is no definitive rule of when to stop paying for comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

For example, let’s say your vehicle’s replacement cost is $5,500 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $4,500 after the policy deductible has been paid. If it’s costing you more than $450 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are some scenarios where buying only liability insurance is not a good plan. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

How accidents and tickets impact rates in South Dakota

The obvious way to snag low insurance premiums in South Dakota for a Forte is to be an attentive driver and avoid tickets and accidents. The diagram below illustrates how traffic citations and at-fault accidents can drive up insurance premiums for different age groups. The prices are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

The data above shows the average cost of a car insurance policy in South Dakota per year with no accidents and a clean driving record is $1,597. Factor in two speeding tickets and the average cost jumps to $2,137, an increase of $539 each year. Now add one accident along with the two speeding tickets and the yearly cost of insurance for a Kia Forte goes up to an average of $2,674. That’s an increase of $1,076, or $90 per month, just for not paying attention while driving!

Cheapest car insurance: Progressive, State Farm, Allstate, or Geico

When comparing auto insurance, probably the best companies to start with are Progressive, State Farm, Allstate, and Geico. The following table points out ratings for price, service, and claims, in additional to some of the optional coverages offered by each one.