Who Has Cheap Insurance for a Kia Forte in Georgia?

The odds of finding the cheapest car insurance for a Kia Forte in Georgia depends on lots of different factors such as whether you own a home, what you do for a living, and your driving record. Drivers in Georgia pay an average rate of $940 each year to insure their Forte, but that price is a valuation using rating data for a 50-year-old single female who needs full coverage and $1,000 physical damage deductibles.

That rate won’t apply to everyone, because more than likely you are not exactly 50 years old and possibly not even female, you might be married instead of single, or maybe you just want liability only instead of full coverage. Using even a minor difference in the factors used to determine rates can result in a large change in rates.

Auto insurance is not “one size fits all”, so the way we recommend to find cheap insurance rates for your Kia is to put in the effort and compare rates. Rate quotes are easy and you will be able to compare rates from top-rated car insurance companies in Georgia.

Insure Your Kia for Less

The trim level of your Forte tends to have a direct impact on the insurance rate, so the rate you pay to insure a Forte LX 4-Dr Sedan model will be $210 cheaper than the price to insure the fancier Forte SX 2-Dr Coupe trim level, as shown below.

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Price estimates do not factor in Georgia location which can modify coverage rates significantly.

Deciphering which companies offer the lowest-priced auto insurance rates for a Kia Forte will take a bit more effort than just comparing a company or two. Each auto insurance company has a proprietary method to set premium rates, so let’s look at the rankings for the auto insurance companies that tend to be cheaper in Georgia.

It’s a good idea to be aware that Georgia auto insurance rates are calculated based on many things that may substantially change the price of coverage. Improving your credit score, having a claim, or having an at-fault accident can trigger price changes that can now make some companies cheaper in comparison to the competition.

Best Cheap Insurance Rates for Your Forte

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Auto-Owners offers some of the cheapest car insurance rates in Georgia at around $855 annually. The Hartford, USAA, Central Mutual, and MetLife also are some of the cheaper Georgia auto insurance companies.

In the rate table above, if you are currently insured with MetLife and switched to The Hartford, you could see an annual savings of approxmiately $316. Drivers with Georgia Farm Bureau may save as much as $338 a year, and Travelers insureds might cut rates by $370 a year.

To find out how much you can save, click here to start a quote or visit any of the low-priced companies below.

Understand that those rates are averaged across all drivers and vehicles and do not factor in a specific rate value for a Kia Forte. So the insurer that can offer the best rates for your situation may not even be in the list of companies above. That is why you need to quote rates from as many companies as possible using your own driver data and vehicle information.

Types of discounts on Georgia auto insurance rates

Car insurance companies that sell cheap insurance for a Kia Forte in Georgia may also provide discounts that can lower rates by 35% or more if you meet certain criteria. Large auto insurance companies and a summarized list of policyholder discounts are outlined below.

The information below illustrates the difference between car insurance costs with and without some available policy discounts. The data is based on a female driver, no accidents or driving violations, Georgia state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with homeowner, multiple policy, claim-free, marriage, vehicle safety, and accident-free discounts applied. When taking advantage of discounts, the average savings per year on auto insurance for a Kia Forte is % or $.

The chart below demonstrates how choosing different deductibles can affect insurance costs when quoting cheap insurance for a Kia Forte. The information is based on a single female driver, comp and collision included, and no additional discounts are factored in.

A 40-year-old driver could lower rates by $436 a year by changing from a $100 deductible up to a $500 deductible, or save $656 by changing to a $1,000 deductible. Young drivers, like the 20-year-old, could potentially save as much as $1,110 each year by using a higher deductible.

When increasing deductibles, it will be important to have additional funds in a savings account to be able to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

Ideas for finding low-cost insurance for a Kia Forte

Below you’ll find many thrifty suggestions that can help drivers get the cheapest auto insurance.

• If your vehicles are older, consider dropping full coverage
• Be a safe driver
• Avoid filing excessive claims
• Raise deductibles to save money
• Maintain a safe distance and avoid accidents
• Shop around once a year for cheaper rates

The final tip is certainly valuable, as was noted in this article. Prices charged by companies in Georgia fluctuate constantly, so drivers shouldn’t hesitate to buy a policy from a new company if you find a cheaper price.

Staying with the same company for years is fine, but it’s not a great idea if that devotedness results in you overpaying lots of money. It takes less than five minutes to shop around and find cheaper car insurance for a Kia Forte.

Who has the cheapest Kia Forte insurance quotes?

Thanks to technology, there are a lot of ways to find cheap auto insurance in Georgia, but the most popular ways are through a non-exclusive or independent agent, a captive (or exclusive) agency like Allstate or Auto-Owners, or from a direct company like Geico. Each way has the same basic steps, but shoppers should understand the differences in how they provide rate quotes.

Independent agencies write for multiple companies and can quote your policy with each one. These types of agencies are not restricted to one company and can get prices from more than one company, which may provide you with more bang for your buck. If you want to switch companies, your policy can be easily switched to a new company and you stay with the same agent.

An exlusive, or captive, agency is only able to write business for just one company, two of the more popular are State Farm and Allstate agents. Exclusive agencies are unable to provide a range of price quotes, so they have no alternatives for high prices.

If you choose to buy auto insurance direct, you forego an exlusive or independent agent and instead shop direct online or over the phone from a company like Progressive or Geico. This option may be preferred by people who do not have a complex risk profile and have knowledge of what coverages they need.

So which way is best to find cheap insurance for a Kia Forte in Georgia? The majority of people assume that buying from a direct car insurance company results in the best prices since no commissions are paid to an agent, but that turns out to not be true. And we’d like to say buying from an independent agent is the best way because they can quote many companies, but that is not necessarily true either. And occasionally, exclusive agents have price quotes that are the cheapest.

Since auto insurance rates vary so much, the best method to make sure you’re not overpaying for auto insurance is to get quotes and compare the rates. Industry experts recommend getting quotes from all three to have the best selection of rates to choose from. For a list of companies offering online discounts, click here to view.