Affordable Quotes for Kia Forte Insurance in Riverside

A recent survey discovered that the vast majority of consumers kept their coverage with the same car insurance company for four years or more, and approximately 38% of consumers have never compared rate quotes at all. Drivers in California could save roughly 35% a year by just shopping around, but they just don’t understand how much they could save if they switched.

Insurance quote for Kia Forte in RiversideIf saving money is your primary concern, then the best way to find cheaper prices for auto insurance rates in Riverside is to compare quotes once a year from providers in California.

A good tip to remember is to use similar coverage information on every quote and and to get rate quotes from as many companies as you can. Doing this guarantees an accurate price comparison and the best price selection.

Best companies for competitive Kia Forte insurance in California

The car insurance companies shown below can provide price comparisons in California. If several companies are displayed, we recommend you visit as many as you can to get the lowest price.

Car insurance statistics and figures

The premium information below showcases detailed analysis of policy rates for Kia Forte models. Learning as much as possible about how auto insurance prices are figured helps drivers make smart choices when buying a car insurance policy.

Kia Forte Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $204 $292 $450 $26 $134 $1,106 $92
Forte EX 4-Dr Sedan $204 $292 $450 $26 $134 $1,106 $92
Forte SX 4-Dr Sedan $230 $354 $450 $26 $134 $1,194 $100
Forte EX 2-Dr Coupe $230 $418 $510 $30 $152 $1,340 $112
Forte SX 2-Dr Coupe $230 $418 $510 $30 $152 $1,340 $112
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can decrease or increase premiums greatly.

Car insurance deductibles

The hardest decision when buying coverage is the level to set your comp and collision deductibles. The tables below sum up the differences in premium rates between high and low coverage deductibles. The first rate table uses a $100 deductible for physical damage and the second rate table uses a $500 deductible.

Kia Forte insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $380 $564 $442 $26 $132 $1,569 $131
Forte EX 4-Dr Sedan $380 $564 $442 $26 $132 $1,569 $131
Forte SX 4-Dr Sedan $430 $686 $442 $26 $132 $1,741 $145
Forte EX 2-Dr Coupe $430 $810 $500 $30 $150 $1,945 $162
Forte SX 2-Dr Coupe $430 $810 $500 $30 $150 $1,945 $162
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Kia Forte insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $278 $382 $442 $26 $132 $1,260 $105
Forte EX 4-Dr Sedan $278 $382 $442 $26 $132 $1,260 $105
Forte SX 4-Dr Sedan $314 $464 $442 $26 $132 $1,378 $115
Forte EX 2-Dr Coupe $314 $546 $500 $30 $150 $1,540 $128
Forte SX 2-Dr Coupe $314 $546 $500 $30 $150 $1,540 $128
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Premium amounts do not factor in specific zip code location which can change price quotes noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs about $30 more each month or $360 a year than choosing the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you average more than 13 months between claims, you would come out ahead by selecting a higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $100 deductibles: $146
Average monthly premium for $500 deductibles (subtract): – $116
Monthly savings from raising deductible: $30
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One important issue to know is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself when you have a comprehensive or collision claim. You should have some savings in the bank in order to pay the higher deductible.

Car insurance rates are higher with tickets and accidents

The example below illustrates how traffic citations and at-fault claims can impact Kia Forte annual premium costs for each age group. The premium estimates are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

Kia Forte liability rates compared to full coverage

The information below visualizes the comparison of Kia Forte annual premium costs when comparing full coverage to state minimum liability only. The premiums are based on no claims or driving citations, $1,000 deductibles, single status, and no policy discounts are applied.

Should you pay for full coverage?

There is no written rule that works best for making the decision to drop physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

For example, let’s assume your Kia Forte book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $4,000 after paying your deductible. If it’s costing in excess of $400 a year for physical damage coverage, then you might want to think about dropping full coverage.

There are some cases where eliminating full coverage is not a good plan. If you still owe money on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should maintain full coverage.

Get discounts on Riverside car insurance

Some providers don’t always list every available discount in a way that’s easy to find, so the list below details some of the best known and also the lesser-known discounts that may be available.

Don’t be surprised that some of the credits will not apply to the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that you would end up receiving a 100% discount, companies don’t profit that way.

The diagram below shows the difference between Kia Forte auto insurance rates with and without discounts applied to the premium. The costs are based on a male driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, safe-driver, marriage, homeowner, and multi-policy discounts applied.

A list of companies and a selection of discounts are outlined below.

If you need affordable Kia Forte insurance quotes, ask every company to apply every possible discount. Some discounts listed above may not apply to policies in every state.

Local agents and car insurance

Many people still like to get professional advice from a licensed agent and we recommend doing that Professional insurance agents can help you choose the best coverages and will help you if you have claims. One of the best bonuses of comparing rate quotes online is that you can find lower rates but still work with a licensed agent.

Find insurance agent in RiversideOnce you complete this simple form, the coverage information is submitted to participating agents in Riverside that provide free Riverside car insurance quotes for your insurance coverage. You never need to find an agent on your own since price quotes are sent directly to your email. If you want to get a comparison quote from a particular provider, you can always go to their quote page to submit a rate quote request.

Deciding on a insurance company requires more thought than just the quoted price. Any agent in Riverside should be forthright in answering these questions:

How to find a good Riverside auto insurance company

Choosing the right auto insurance provider can be challenging considering how many different companies there are to choose from in Riverside. The ranking data shown below may help you analyze which companies to look at comparing price quotes from.

Top 10 Riverside Car Insurance Companies Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

Quote more and you will save more

We’ve covered many tips how you can lower your Kia Forte insurance rates in Riverside. The key thing to remember is the more rate quotes you have, the higher your chance of finding cheaper Riverside car insurance quotes. You may even find the lowest priced insurance comes from a lesser-known regional company.

As you quote Riverside car insurance, it’s a bad idea to reduce coverage to reduce premium. In many instances, an insured cut uninsured motorist or liability limits and learned later that the few dollars in savings costed them thousands. The goal is to buy the best coverage you can find for the lowest cost and still be able to protect your assets.

Discount Kia Forte insurance in Riverside can be found on the web in addition to many Riverside insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies do not provide rate quotes online and many times these smaller companies work with independent agents.

More detailed insurance information can be found by following these links: