Do you want to stop overpaying and find more competitive Kia Forte insurance in Austin? Pretty sure you bought an underperforming, overpriced car insurance policy? Don’t feel bad because many Austin consumers are in the same pinch.
A study showed that a large majority of drivers kept their coverage with the same car insurance company for at least four years, and nearly the majority have never quoted rates to find cheaper coverage. Drivers in Texas could save nearly 70% a year by just comparing quotes, but they assume it’s a waste of time to compare rates and save money. Online insurance companies like GEICO and Progressive increase brand awareness with ads and it is difficult to avoid their marketing magic and do the work needed to find the best deal.
It’s a good habit to do rate comparisons quite often due to the fact that insurance rates are variable and change quite frequently. If you had the best deal on Kia Forte insurance in Austin a couple years back you will most likely find a better price today. Ignore everything you know about car insurance because you’re going to get a crash course in the fastest way to properly buy coverages and cut your premium.
If you have a current car insurance policy or are shopping for new coverage, you can use these techniques to lower your rates without having to cut coverage. Locating the best rates in Austin can really be easy if you know what you’re doing. Consumers just have to know the most efficient way to compare rates instantly.
Kia Forte Insurance Cost Factors
Many factors are part of the calculation when you get your auto insurance bill. Some of the criteria are obvious such as your driving history, but other factors are less apparent like where you live or your commute time.
The following are some of the most rate-impacting factors that factor into rates.
Performance impacts prices – The make and model of the car or truck you are trying to find cheaper insurance for makes a substantial difference in your car insurance bill. Since the Kia Forte is a passenger car, insuring your vehicle will cost similar in price or lower as compared to the average rate in Austin. Lower cost passenger vehicles usually have the lowest rates, but your final cost has many other factors.
High deductibles cost less – Coverage for physical damage, also known as collision and other-than-collision, covers your vehicle from damage. Some examples of claims that would be covered would be a broken side mirror, vandalism, and rolling your vehicle. The deductibles represent how much money you are willing to pay in the event of a claim. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance.
Insurance rates and driver gender – Statistics show that females tend to be a little less risky than males. However, this does not mean men are worse drivers. Women and men cause at-fault accidents at about the same rate, but the men get into accidents with more damage. Men also get cited for more serious violations such as reckless driving. Males from age 16 to 21 have the highest risk to insure and therefore have the most expensive car insurance rates.
High premiums for teenage drivers – Youthful drivers in Texas are proven to be easily distracted with other occupants in the car and because of this, their car insurance rates are much higher. Older people are more responsible, tend to file fewer claims, and get fewer tickets.
Deter car thieves – Purchasing a vehicle with advanced anti-theft systems can earn a premium discount. Theft prevention features like OnStar, LoJack tracking, and tamper alarms all help stop your car from being stolen.
Proper usage rating affects costs – The higher the mileage driven every year the higher your rate. Many insurance companies calculate rates partially by how you use the vehicle. Autos that sit idle most of the time cost less to insure compared to those used for work or business. Verify your policy is rated on annual mileage. An improperly rated Forte is just wasting money.
Claims statistics for a Kia Forte – Car insurance companies factor in insurance loss information when setting rates for each model. Models that are shown to have a trend towards higher claim severity or frequency will have higher premium rates.
The next table illustrates the insurance loss data for Kia Forte vehicles. For each type of coverage, the statistical loss for all vehicles, regardless of make or model, is set at 100. Percentage numbers below 100 imply a favorable loss record, while values over 100 indicate more frequent claims or a tendency for claims to be larger.
Car Insurance Loss Data for Kia Forte Models
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Kia Forte | 114 | 117 | 103 | 176 | 183 | 144 |
| Kia Forte | 114 | 98 | 147 | |||
| Kia Forte | 102 | 102 | 86 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
The best way we recommend to compare rates for Kia Forte insurance in Austin is to know the trick most of the larger companies participate in online systems to provide you with a free rate quote. All consumers are required to do is provide a little information including marital status, the ages of drivers, your general credit rating, and if you are currently licensed. The data is then submitted to many highly-rated insurers and they provide comparison quotes almost instantly.
To get price quotes for your car now, click here and find out if you can get cheaper insurance in Austin.
The companies shown below provide free quotes in Austin, TX. If multiple companies are listed, we suggest you get price quotes from several of them in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $282 | $476 | $430 | $26 | $128 | $1,342 | $112 |
| Forte EX 4-Dr Sedan | $156 | $252 | $430 | $26 | $128 | $992 | $83 |
| Forte SX 4-Dr Sedan | $232 | $412 | $430 | $26 | $128 | $1,228 | $102 |
| Forte EX 2-Dr Coupe | $370 | $698 | $430 | $26 | $128 | $1,652 | $138 |
| Forte SX 2-Dr Coupe | $264 | $542 | $520 | $30 | $156 | $1,512 | $126 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Premium costs do not factor in specific location which can change insurance rates substantially.
Difference between full coverage and liability only rates
The information below shows the comparison of Kia Forte insurance premiums with and without full coverage. The data assumes no claims or driving citations, $500 deductibles, married female driver, and no additional discounts are factored in.
Are you wasting money paying for full coverage?
There is no definitive rule to exclude full coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
For example, let’s say your Kia Forte book value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $5,000 after paying your policy deductible. If you are paying more than $500 a year for physical damage coverage, then it may be the right time to buy liability only.
There are a few situations where removing full coverage is not a good idea. If you haven’t satisfied your loan, you are required to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not opt for liability only.
Auto insurance rates are higher with tickets and accidents
The chart below demonstrates how citations and accidents can influence Kia Forte auto insurance rates for each different age category. The prices are based on a married female driver, full coverage, $100 deductibles, and no discounts are applied to the premium.
Comparison of policy deductibles
The information below highlights how deductible selection and can increase or decrease Kia Forte insurance prices for different age groups. The data assumes a single female driver, full coverage, and no policy discounts are applied.
Insurance does more than just repair your car
Despite the fact that insurance is not cheap in Austin, insuring your vehicle is required in Texas but also provides important benefits.
- Just about all states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance if you don’t want to risk a ticket. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you took out a loan on your Forte, almost all lenders will force you to have physical damage coverage to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the lender may insure your Kia at a much higher rate and require you to reimburse them a much higher amount than you were paying before.
- Insurance protects both your Kia Forte and your assets. It also can pay for medical bills incurred in an accident. Liability insurance also pays expenses related to your legal defense in the event you are sued. If mother nature or an accident damages your car, your insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of insuring your Forte are without a doubt worth the cost, especially if you ever need it. According to a recent study, the average American driver is wasting up to $825 a year so it’s important to compare rates at every policy renewal to ensure rates are inline.
Cheaper rates on Kia Forte insurance in Austin with these auto insurance discounts
The price of auto insurance can be rather high, but you may qualify for discounts that may help make it more affordable. Certain credits will be shown at the time of quoting, but lesser-known reductions have to be asked for prior to receiving the credit.
- Discount for Life Insurance – Larger auto insurance companies have better prices if you take out some life insurance in addition to your auto policy.
- Discount for Multiple Policies – When you combine your home and auto insurance with one insurance company they may give you a discount of approximately 10% to 15%.
- Professional Memberships – Belonging to a civic or occupational organization in Austin may earn a discount when shopping for auto insurance.
- Student Discounts – Performing well in school can get you a discount of up to 25%. Many companies even apply the discount to college students well after school through age 25.
- Senior Citizen Discount – If you qualify as a senior citizen, you may be able to get a slight reduction on a Austin car insurance quote.
As a footnote on discounts, many deductions do not apply to the entire policy premium. Most cut individual premiums such as comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, auto insurance companies aren’t that generous.
Auto insurance companies that may have these discounts are:
When getting a coverage quote, ask every insurance company which discounts can lower your rates. Depending on the company, some discounts might not be offered in Austin. To see companies that have a full spectrum of discounts in Austin, click here.
Can’t I compare prices from local Austin car insurance agents?
Many people just want to go talk to an agent and there is nothing wrong with that. Insurance agents are trained risk managers and help submit paperwork. The best thing about comparing rate quotes online is that drivers can save money and get cheap insurance quotes and still buy from a local agent. And providing support for small agencies is important especially in Austin.
To help locate an agent, after submitting this form (opens in new window), the quote information is transmitted to companies in Austin who can give free rate quotes and help you find cheaper coverage. There is no need to visit any agencies as quotes are delivered to you instantly. If you wish to get a comparison quote from a specific insurance provider, you would need to search and find their rate quote page and submit a quote form there.
If you are wanting to find a local Austin insurance agent, you should know the types of insurance agents from which to choose. Insurance agencies in Austin can be described as either independent or exclusive depending on the company they work for. Either one can insure your vehicles properly, but it’s important to know why they differ since it may influence your selection of an agent.
Independent Insurance Agents
Independent agencies are not employed by one company so they have the ability to put coverage through many different insurance companies and potentially find a lower price. If you are not satisfied with one company, they can switch companies in-house which makes it simple for you. When comparing rate quotes, you need to include price quotes from at least one independent agent in order to have the best price comparison.
Listed below is a small list of independent insurance agencies in Austin that may be able to give price quote information.
Greater Texas Insurance
9809 Anderson Mill Rd – Austin, TX 78750 – (512) 250-5055 – View Map
Southwest Insurance Center
3105 W Slaughter Ln – Austin, TX 78748 – (512) 280-6100 – View Map
Stuart Butts Agency Nationwide – Lezam insurance
700 Rio Grande St c – Austin, TX 78701 – (512) 837-5000 – View Map
Exclusive Agencies
Exclusive insurance agents work for only one company such as State Farm, Allstate and AAA. These agents are not able to provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive insurance agents are trained well on sales techniques and that allows them to sell at a higher price point.
Below is a list of exclusive insurance agencies in Austin that are able to give price quotes.
Stuart Nalewaik – State Farm Insurance Agent
1717 W 6th St #214 – Austin, TX 78703 – (512) 382-6019 – View Map
Robert Ndegwa – State Farm Insurance Agent
1200 W Howard Ln f – Austin, TX 78753 – (512) 837-8818 – View Map
Greg Pearson – State Farm Insurance Agent
8705 Shoal Creek Blvd #102 – Austin, TX 78757 – (512) 451-0188 – View Map
Finding a good auto insurance agent shouldn’t rely on just the quoted price. These are some valid questions you should ask.
- Are you getting all the discounts the company offers?
- Is the quote a firm price?
- Are there any extra charges for paying monthly?
- Does the agency provide any after hours assistance?
- Does the agent have a valid license to sell insurance in Texas?
- Do they get extra compensation for selling add-on coverages?
- How much experience to they have in personal lines coverages?
- Can you use your own choice of collision repair facility?
What is YOUR best insurance company?
As you prepare to switch companies, it’s very important that you do not reduce coverage to reduce premium. There have been many situations where someone sacrificed liability coverage limits only to regret that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at the best cost, but do not sacrifice coverage to save money.
Some insurance companies don’t offer rate quotes online and many times these regional insurance providers work with independent agencies. Lower-priced auto insurance in Austin is definitely available on the web and from local agencies, so you should be comparing quotes from both to have the best chance of lowering rates.
Throughout this article, we presented many tips how you can lower your Kia Forte insurance premium rates in Austin. The key concept to understand is the more quotes you get, the better chance you’ll have of finding affordable Austin car insurance quotes. You may even be surprised to find that the lowest premium rates come from a small mutual company. Some small companies may only write in your state and offer lower prices compared to the large companies like Allstate and Progressive.
For more information, feel free to visit the resources below:
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Parking Tips to Reduce Door Dings (State Farm)
- What is Full Coverage? (Allstate)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)