Would you like to stop overpaying and find the cheapest Kia Forte insurance in Seattle? Did you make the mistake of buying an expensive auto insurance policy? Trust us, there are many people just like you.
Remarkably, a study showed that 70% of consumers have bought auto insurance from the same company for four years or more, and roughly 40% of drivers have never compared rates to find cheap insurance. U.S. insurance shoppers could cut their rates by up to 47% a year by just comparing rate quotes, but they just don’t understand how easy it is to go online and compare rates. Many car insurance companies vie to insure your vehicles, so it can be very hard to choose a company to get the best rate on Kia Forte insurance in Seattle.
If you already have coverage or are looking for a new policy, use these techniques to find better prices without having to cut coverage. Buying the cheapest car insurance in Seattle is really quite easy. Shoppers just have to learn the most effective way to compare prices using one simple form.
How to lower your Kia Forte insurance cost in Seattle, WA
Finding a lower price on Kia Forte insurance is surprisingly easy. The only thing you need to do is spend a few minutes getting comparison quotes from different insurance companies.
Comparing free price quotes online is easy and it, takes the place of having to drive to insurance agencies in your area. Comparing online rate quotes has made agencies unnecessary unless your situation requires the professional abilities that only an agent can give. Although, it is possible compare the best prices online but still have the advice of a local agent.
The companies shown below offer price comparisons in Seattle, WA. If multiple companies are listed, we suggest you compare several of them to find the lowest auto insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Forte LX 4-Dr Sedan||$218||$368||$310||$18||$92||$1,006||$84|
|Forte EX 4-Dr Sedan||$244||$426||$384||$22||$114||$1,190||$99|
|Forte SX 4-Dr Sedan||$234||$354||$304||$18||$90||$1,000||$83|
|Forte EX 2-Dr Coupe||$246||$512||$434||$26||$130||$1,348||$112|
|Forte SX 2-Dr Coupe||$246||$512||$434||$26||$130||$1,348||$112|
|Get Your Own Custom Quote Go|
Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Premium amounts do not factor in specific Seattle garaging location which can influence coverage prices considerably.
Liability only or full coverage
The example below visualizes the comparison of Kia Forte insurance premiums with full physical damage coverage compared to only buying liability only. The premium estimates are based on no claims or driving violations, $500 deductibles, single male driver, and no discounts are taken into consideration.
When to stop buying physical damage coverage
There is no definitive rule of when to phase out full coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let’s say your Kia Forte book value is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $8,000 after paying your deductible. If it’s costing you more than $800 annually for comprehensive and collision coverage, then it could be time to drop full coverage.
There are some cases where removing full coverage is not recommended. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not drop full coverage.
Lower rates by qualifying for these eight discounts
Insurance is not cheap nor is it fun to buy but companies offer discounts to reduce the price significantly. Certain credits will be shown at the time of quoting, but some may not be applied and must be manually applied before you get the savings. If you’re not getting every credit you deserve, you’re paying more than you need to.
- Good Students Pay Less – This discount may save you up to 25%. Earning this discount can benefit you up to age 25.
- Passive Restraint Discount – Factory air bags can get savings of 25 to 30%.
- Low Miles Discount – Maintaining low annual mileage can qualify you for discounted premium rates on garaged vehicles.
- Early Signing – Some companies reward drivers for signing up prior to your current Forte insurance policy expiration. The savings is around 10%.
- Military Discounts – Being deployed in the military could qualify you for better prices.
- Save with a New Car – Buying a new car model may earn a small discount because new model year vehicles have to meet stringent safety requirements.
- One Accident Forgiven – Not necessarily a discount, but a few companies such as Libery Mutual, GEICO and Allstate will turn a blind eye to one accident without raising rates with the catch being you have to be claim-free for a specific time period.
- Anti-lock Brake Discount – Cars with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
Don’t be surprised that some credits don’t apply to your bottom line cost. Most cut individual premiums such as comp or med pay. Just because it seems like it’s possible to get free car insurance, you aren’t that lucky. But all discounts will positively reduce the cost of coverage.
For a list of providers that offer some of these discounts in Washington, follow this link.
Insurance is available from local agents
Many drivers still like to buy from a local agent and often times that is recommended Experienced insurance agents can answer important questions and give you someone to call. A nice benefit of comparing rates online is the fact that you can find cheap insurance rates but still work with a licensed agent.
Once you complete this simple form, your information is sent to insurance agents in Seattle that provide free Seattle auto insurance quotes for your business. There is no need to visit any agencies as quotes are delivered immediately to you. If you wish to get a comparison quote for a specific company, don’t hesitate to find their quoting web page to submit a rate quote request.
Selecting a insurer should depend on more than just a cheap quote. These questions are important to ask:
- Are they able to provide referrals?
- How much training do they have in personal risk management?
- Where would glass claims be handled in Seattle?
- Will the agent help in case of a claim?
- How would your car be valued if totalled?
- Did they already check your driving record and credit reports?
- What insurance companies do they recommend if they are an independent agent?
- Where are claims handled?
If you’re trying to find local Seattle agents, it helps to know the two different types of agencies from which to choose. Insurance agents in Seattle can be categorized as either independent or exclusive depending on the company they work for. Both types of agents can properly insure your vehicles, but we need to point out the subtle differences because it can impact the type of agent you choose.
Exclusive Insurance Agents
Exclusive agencies work for only one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. They generally cannot compare rates from other companies so you need to shop around if the rates are high. Exclusive agencies receive extensive training on the products they sell which helps overcome the inability to quote other rates.
The following are Seattle exclusive agencies that are able to give comparison quotes.
Independent Insurance Agencies
Agents that elect to be independent are not limited to a single company so as a result can place your coverage with many different companies and potentially find a lower price. If premiums increase, they simply switch companies in-house and you stay with the same agent.
When comparing rates, we highly recommend that you include price quotes from independent agents for maximum quote selection.
Below is a list of independent agencies in Seattle who can help you get price quote information.
Car insurance can be complex
When it comes to the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply.
These are some specific questions might help in determining whether your personal situation will benefit from professional help.
- What is the difference between comprehensive and collision coverage?
- What is the rate difference between pleasure use and commuting?
- Can my babysitter drive my car?
- Can I rent a car in Mexico?
- When should I not file a claim?
- Why am I required to buy high-risk coverage?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.
Why you need auto insurance
Despite the fact that auto insurance is not cheap in Seattle, buying auto insurance is most likely required but also gives you several important benefits.
- Just about all states have compulsory liability insurance requirements which means state laws require a specific minimum amount of liability coverage if you drive a vehicle. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Kia has a loan, almost all lenders will have a requirement that you have insurance to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the lender may insure your Kia at a significantly higher premium and force you to pay for it.
- Auto insurance protects both your assets and your vehicle. It will also cover hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses in the event you are sued. If damage is caused by hail or an accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of carrying enough insurance are without a doubt worth the cost, particularly if you ever have a claim. On average, a vehicle owner in Seattle overpays as much as $820 a year so compare rates at least once a year to be sure current rates are still competitive.
Auto insurance specifics
Understanding the coverages of auto insurance helps when choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages found on the average auto insurance policy.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Kia Forte.
Since many Washington drivers have only the minimum liability required by law (25/50/10 in Washington), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Comprehensive auto coverage
Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like vandalism, hitting a deer, a broken windshield and hitting a bird. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Liability car insurance
Liability insurance provides protection from damages or injuries you inflict on a person or their property. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/10 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $10,000.
Liability can pay for things like court costs, emergency aid and attorney fees. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford. Washington state minimum liability requirements are 25/50/10 but you should think about purchasing more liability than the minimum.
Collision insurance pays for damage to your Forte caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as sustaining damage from a pot hole, crashing into a building, hitting a parking meter, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible on your Forte to save money on collision insurance.
Medical payments and PIP coverage
Med pay and PIP coverage provide coverage for expenses for funeral costs, doctor visits and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible
Be persistent to save money
When buying insurance coverage, don’t be tempted to buy less coverage just to save a little money. In many cases, consumers will sacrifice full coverage only to regret at claim time that it was a big mistake. The ultimate goal is to purchase a proper amount of coverage at the best price.
A few companies do not provide online rate quotes and these regional insurance providers work with local independent agencies. Cheap Kia Forte insurance in Seattle is attainable from both online companies and also from your neighborhood Seattle agents, and you should be comparing both to have the best chance of lowering rates.
Much more information about auto insurance in Washington is available at the links below
- Vehicle Insurance in the U.S. (Wikipedia)
- Who Has Affordable Auto Insurance for a Jeep Grand Cherokee in Seattle? (FAQ)
- Who Has the Cheapest Seattle Auto Insurance Quotes for Low Income Drivers? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for 4×4 Vehicles in Seattle? (FAQ)
- Who Has Cheap Car Insurance Quotes for Uninsured Drivers in Seattle? (FAQ)
- Medical Payments Coverage (Liberty Mutual)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)