Cheap Insurance Quotes for a Kia Forte in Mississippi

The chances that you’ll find affordable auto insurance for a Kia Forte in Mississippi hinges on factors like whether you are married or single, your credit status, and driving citations. Drivers on average will pay $830 each year to buy insurance for a Kia Forte, but that cost is a ballpark figure based on a 40-year-old married female driver with both comprehensive and collision coverage and $500 physical damage deductibles.

There’s a high likelihood you are not 40 and maybe not even a female, you might be single instead of married, or maybe you have a teen driver on your policy that needs to be considered. Just a slight difference in input factors can cause large differences in policy price.

Everyone has unique insurance needs, and this illustrates why your best shot at finding the cheapest rates for your Kia is to make a habit of regularly comparing rates from other companies.

Compare Kia Forte Insurance Rates

The specific model of Forte tends to impact the coverage cost, so the cost to insure a Forte LX 4-Dr Sedan will cost $198 less than the cost to insure the more well-appointed Forte SX 2-Dr Coupe version, as shown by the rates below.

Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Mississippi minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Table data does not factor in garaging location in Mississippi which can alter insurance rates noticeably.

Establishing which company quotes the most affordable auto insurance rates for a Kia Forte requires a little more sweat than just quoting one company’s rates. Each auto insurance company has their own formula for setting rates, so we will examine the most affordable auto insurance companies in Mississippi.

It’s a good idea to know that Mississippi auto insurance rates are influenced by many factors that can increase the policy price. Simply turning a year older, having a teen driver, or getting a few speeding tickets can trigger price changes that can make some companies affordable when they were higher priced.

Lowest Insurance Price Quotes for Your Forte

Compare Rates and Save

USAA may offer some of the best car insurance rates in Mississippi at around $839 each year. Travelers, Unitrin, Direct General, and ALFA would also make the list of some of the more affordable Mississippi car insurance companies.

In the above example, if you are a customer of Direct General and switched to Travelers, you could see a yearly price reduction of approxmiately $271. Insureds with ALFA may save as much as $358 a year, and State Farm policyholders might see rate reductions of $387 a year.

Understand that those rates are averaged across all drivers and vehicles and are not factoring in a specific rating modification for a Kia Forte. So the car insurance company that fits you best may not even be in the company chart above. That points out the importance of why you need to get car insurance quotes using your own driver data and vehicle information.

Rate difference between full and liability-only coverage

Finding cheap insurance for a Kia Forte in Mississippi should be important to most drivers, and one of the best ways to lower the cost of insurance is to not buy full coverage. The diagram below visualizes the comparison of car insurance costs when comparing full coverage to liability only. The costs are based on no claims, a clean driving record, $500 deductibles, marital status is single, and no discounts are factored in.

If averaged out across all ages, physical damage coverage on your policy costs an additional $1,831 per year over and above liability only. Many people question if buying full coverage is worth the money. There isn’t a written rule of when to phase out full coverage, but there is a general convention. If the annual cost of your full coverage insurance is about 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

There are a few cases where dropping full coverage is not recommended. If you haven’t satisfied your loan, you have to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage.

Reckless driving habits raise auto insurance rates

A great way to get cheap insurance for a Kia Forte in Mississippi is to be a cautious driver and not receive tickets or have accidents. The example below demonstrates how citations and at-fault claims impact yearly insurance costs for different age categories. The premium estimates are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

In the chart above, the average cost of auto insurance per year with no violations or accidents is $2,149. Get one speeding ticket and the average cost surges to $2,467, an increase of $318 each year. Now add in two accidents along with the one speeding ticket and the annual cost of auto insurance for a Kia Forte goes up to an average of $5,127. That’s an increase of $2,978, or $248 per month, just for not driving safely!

Does Allstate, State Farm, Geico, or Progressive have the cheapest car insurance?

When comparing insurance for a Forte in Mississippi, the first places to look would be Allstate, State Farm, Geico, and Progressive. The data below ranks ratings and policy coverage options that are available for customers.