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.
If 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.
- Step 1: Spend a few minutes and learn about what coverages are included in your policy and the things you can change to keep rates low. Many risk factors that cause high rates like at-fault accidents, speeding tickets, and a bad credit score can be improved by making minor changes in your lifestyle.
- Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO or Allstate, while agents who are independent can quote rates from multiple companies. View companies
- Step 3: Compare the new rate quotes to your existing policy to determine if you can save on Forte insurance in Riverside. If you find a lower rate quote and make a switch, make sure coverage does not lapse between policies.
- Step 4: Tell your current agent or company to cancel the current policy. Submit the completed application along with a down payment to the new company. As soon as you have the new policy, keep the new proof of insurance paperwork in your glove compartment.
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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
- Theft Deterrent – Vehicles equipped with anti-theft or alarm systems are stolen with less frequency and will qualify for a discount on a Riverside car insurance quote.
- Early Signing – Some insurance companies reward drivers for renewing your policy prior to your current Forte insurance policy expiration. This can save 10% or more.
- Riverside Homeowners Discount – Just owning your own home can get you a discount since home ownership shows financial diligence.
- Active Service Discounts – Having an actively deployed family member could qualify you for better premium rates.
- Waiver for an Accident – This one isn’t a discount, but some insurance companies will forgive one accident without the usual rate increase if your claims history is clear for a set time period.
- Distant Student Discount – Older children who are enrolled in a college that is more than 100 miles from Riverside without a vehicle on campus can be insured at a reduced rate.
- Safe Driver Discounts – Accident-free drivers can get discounts for up to 45% lower rates than less cautious drivers.
- Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings of more than 20%.
- Government Employees – Active or former government employment can earn a discount up to 10% with certain companies.
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.
- Farm Bureau may offer discounts for safe driver, youthful driver, 55 and retired, good student, renewal discount, and multi-vehicle.
- Liberty Mutual offers discounts including exclusive group savings, newly retired, multi-policy, good student, new move discount, hybrid vehicle, and multi-car.
- State Farm discounts include anti-theft, Steer Clear safe driver discount, passive restraint, good student, student away at school, and defensive driving training.
- Auto-Owners Insurance offers discounts for air bags, teen driver, student away at school, paid in full, multiple vehicles, and paperless.
- GEICO may have discounts that include membership and employees, federal employee, seat belt use, anti-theft, and air bags.
- SAFECO offers premium reductions for teen safety rewards, homeowner, bundle discounts, anti-theft, safe driver, and drive less.
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.
Once 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:
- Where are claims handled?
- How many companies do they write for?
- Is there a 24/7 contact number?
- Has the agent ever had any license suspensions?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- If you raise deductibles, how much can you save?
- How would your car be valued if totaled?
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
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- 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:
- Driving in Bad Weather (Insurance Information Institute)
- Who Has Cheap Car Insurance Rates for a Dodge Grand Caravan in Riverside? (FAQ)
- Who Has Affordable Car Insurance Quotes for Veterans in Riverside? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Business Use in Riverside? (FAQ)
- What Car Insurance is Cheapest for Teenage Males in Riverside? (FAQ)
- Who Has Affordable Riverside Car Insurance Rates for Good Drivers? (FAQ)
- Vehicle Size and Weight FAQ (iihs.org)
- Things to Know Before you Cancel Insurance (Allstate)
- Crash Avoidance Technologies FAQ (iihs.org)
- Senior Drivers (Insurance Information Institute)