Buying the cheapest coverage for a Kia Forte is dependent upon a lot of different factors such as annual miles driven, whether or not you have prior claims, and your driving record. Drivers pay on average $1,124 per year to insure their Forte, but that cost is a valuation based on a 40-year-old married male driver with both comprehensive and collision coverage and $500 deductibles.
But there is a high likelihood that you may not be 40 years old (or even male), you might be single instead of married, or maybe you are just looking for cheap liability insurance. There is no perfect policy for every driver, so the way we recommend to find the cheapest insurance price for your Kia is to do a thorough rate comparison. Quotes only take a couple of minutes and you will get price quotes from the best companies that insure vehicles in California.
The trim level of your Kia will be a contributing factor to the insurance rate, so the price you will pay to insure a Forte LX 4-Dr Sedan will be $266 less expensive the cost to insure the higher-priced Forte SX 2-Dr Coupe version, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Forte LX 4-Dr Sedan||$252||$350||$456||$26||$136||$1,220||$102|
|Forte EX 4-Dr Sedan||$252||$350||$456||$26||$136||$1,220||$102|
|Forte SX 4-Dr Sedan||$286||$426||$456||$26||$136||$1,330||$111|
|Forte EX 2-Dr Coupe||$286||$502||$514||$30||$154||$1,486||$124|
|Forte SX 2-Dr Coupe||$286||$502||$514||$30||$154||$1,486||$124|
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can increase or decrease premiums greatly.
Trying to find reasonably-priced auto insurance is not always easy, and deciding which companies have the cheapest auto insurance rates for a Kia Forte will require more quotes for comparison. Each insurer has a unique approach for setting rates, so we need to take a look at the most competitive auto insurance companies in Santa Ana, CA.
It's a good idea to know that California auto insurance rates are based on many factors which can substantially decrease or increase the policy premium. This price fluctuation is why it is crucial to compare lots of rates when trying to get the most budget-friendly car insurance quotes for a Kia Forte. Car insurance prices are made up of many factors and can change substantially, so the most affordable company the last time you shopped your coverage around may now be one of the higher cost companies.
Best Insurance Companies for Your Forte
|Rank||Company||Cost Per Year|
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USAA quotes some of the cheapest car insurance rates in Santa Ana at around $1,109 a year. This is $542 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the cheaper Santa Ana, CA auto insurance companies.
In this example, if you are a customer of CSAA and switched to Wawanesa, you might achieve a yearly savings of approximately $29. California drivers with Nationwide may save as much as $93 a year, and 21st Century insureds might lower prices by up to $168 a year.
To discover how much you can save, click here to start your custom quote or visit any of the companies below.
These premium estimates are averages across all types of insureds and vehicles and do not factor in an exact zip code location for a Kia Forte. So the insurer that can offer you the best rate may not even be in the top 24 companies shown above. That emphasizes why you need to compare rates from as many companies as possible using your own individual information.
Auto insurance rates are higher with tickets and accidents
The recommended way to obtain the best auto insurance rates in Santa Ana for a Forte is to be a safe driver and maintain a clean driving record. The information below demonstrates how traffic citations and at-fault fender-benders raise insurance premiums for each age group. The rates are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.
In the prior example, the average cost of a car insurance policy per year with a clean driving record and no accidents is $2,305. Get one speeding ticket and the average cost hikes up to $2,600, an increase of $296 each year. Then add one accident along with the one speeding ticket and the yearly cost of auto insurance for a Kia Forte goes up to an average of $3,412. That's an increase of $1,107, or $92 per month, just for not driving safely!
How to get discounts on Santa Ana car insurance
Insurance companies that provide coverage for a Kia Forte could also offer premium discounts that could reduce prices by as much as 30% if you qualify. A few popular companies and a partial list of their discounts are:
- GEICO has savings for multi-policy, good student, military active duty, anti-lock brakes, anti-theft, defensive driver, and federal employee.
- USAA offers discounts for good student, vehicle storage, multi-policy, new vehicle, and loyalty savings.
- Progressive may include discounts for online signing, multi-policy, online quote discount, good student, continuous coverage, and multi-vehicle.
- American Family has discounts for air bags, early bird, TimeAway discount, accident-free, good driver, and defensive driver.
- Esurance offers discounts including online shopper, renters, defensive driver, safety device, emergency road assistance, Pac-12 alumni, and good student.
- Farmers Insurance discounts include bundle discounts, pay in full, distant student, youthful driver, multi-car, and alternative fuel.
- State Farm may have discounts that include driver's education, defensive driving training, passive restraint, multiple autos, and good driver.
The chart below shows the comparison of insurance rates with and without discounts applied. The costs are based on a female driver, no accidents or driving violations, California state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with anti-theft, passive restraint, safe-driver, vehicle safety, accident-free, and defensive driving course discounts applied. In this example, theamount saved on auto insurance for a Kia Forte is 28% or $673.
Why you are probably overpaying for Forte insurance
Santa Ana, CA auto insurance rates are influenced by many factors that will increase or decrease your annual premium. Simply improving your credit, having a claim, or getting a reckless driving citation may prompt premium changes resulting in some companies being more affordable than others.
Not only may your risk profile change, but insurance companies change their prices as often as every quarter in order to maintain liquidity for claims. Larger than normal claims can cause rate hikes, while a better loss history may result in cheaper Forte insurance rates.
For example, the data below analyzes the cheapest car insurance in Santa Ana, CA for a 35-year-old female driver with a clear driving record, no claims, and a high credit rating. If we look at prices based on her current risk factors, USAA offers the cheapest car insurance rates in Santa Ana at $1,278 a year. This is $373 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the remaining best Santa Ana, CA auto insurance companies.
Now we will give the driver from above a chargeable accident, poor credit, and a blemish on her driving record. Since every car insurance company has a unique formula to determine rates, analyzing rate quotes may now show a substantially altered list of affordable companies as shown below.
Grange now has the best price in Santa Ana with Allstate, GEICO, Mercury, and Progressive also being competitive. This illustrates why California drivers need to shop around with many companies when trying to find the most budget-friendly insurance quotes for a Kia Forte.
Prices are influenced by many risk factors and can change without notice, so the best company the last time you shopped your coverage around may now be one of the higher cost companies.
How to find low-cost insurance for a Kia Forte
The list below details some of the recommended money-saving suggestions that can help drivers find cheap coverage.
- Bundle home and auto and earn a discount
- Being accident-free can lower rates significantly
- Buy a safer vehicle
- Save money by staying claim-free
- Avoid getting tickets or violations
- Ensure you have the best deal by shopping around regularly
The last idea is especially significant, as we noted in the article above. Auto insurance rates vary considerably, so don't hesitate to switch to a new company if a more affordable rate is found.
Brand loyalty is not necessarily bad, but it isn't a good idea if it's costing you hundreds of dollars a year. It only takes a couple minutes to compare rates and find cheaper auto insurance for a Kia Forte in Santa Ana.