Cheap Kia Forte Insurance in Bakersfield

If you want to save money, the best way to quote cheaper Kia Forte insurance in Bakersfield is to regularly compare price quotes from insurers who provide auto insurance in California.

• Step 1: Get a basic knowledge of individual coverages and the things you can change to keep rates low. Many things that increase rates such as careless driving and a low credit score can be controlled by paying attention to minor details. Later in this article we will cover tips to get low prices and find missing discounts.
• Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive and State Farm, while independent agents can provide prices for a wide range of insurance providers.
• Step 3: Compare the new rates to your existing rates to see if you can save by switching companies. If you find a lower rate quote and decide to switch, make sure there is no lapse in coverage.
• Step 4: Provide written notification to your current company to cancel the current policy and submit a down payment along with a completed application to your new agent or company. As soon as you receive it, put the new certificate verifying proof of insurance in an accessible location in your vehicle.

One thing to remember is that you use identical deductibles and limits on each price quote and and to analyze as many car insurance companies as possible. Doing this helps ensure a fair rate comparison and many rates to choose from.

Unimaginable but true, almost 70% of insureds kept their policy with the same company for well over three years, and almost half have never shopped around. California consumers could cut their rates by $500 a year just by shopping around, but most just don’t grasp the amount of money they would save if they moved their coverage to a different company.

Reduce Insurance Rates with These Tips

When buying car insurance it’s important to understand the rating factors that help determine the price you pay for car insurance. If you understand what determines base rates, this allows you to make educated decisions that will entitle you to lower rates. Lots of things are considered when you get your auto insurance bill. Some are pretty understandable like a motor vehicle report, but other criteria are more obscure such as whether you are married or your financial responsibility.

• Know your credit score – Having a bad credit rating factor in determining what you pay. If your credit is lower than you’d like, you could save money insuring your Kia Forte if you clean up your credit. Insureds with high credit ratings tend to be more responsible as compared to drivers with poor credit scores.

• Tickets and citations cost more than a fine – Getting just one citation can increase the cost of insurance substantially. Careful drivers pay lower auto insurance prices as compared to those with violations. Drivers with dangerous citations such as reckless driving, hit and run or driving under the influence may face state-mandated requirements to maintain a SR-22 with their state in order to legally drive a vehicle.

  The example below illustrates how traffic citations and at-fault fender-benders drive up Kia Forte premium costs for each age group. The rate quotes are based on a married female driver, comp and collision included, $100 deductibles, and no discounts are factored in.

• Drive less and save – Driving more miles every year the more you will pay for car insurance. A lot of companies rate vehicles determined by how the vehicle is used. Vehicles used primarily for pleasure use can be on a lower rate level than vehicles that have high annual mileage. It’s a good idea to make sure your car insurance policy states the correct usage. An incorrectly rated Forte is just wasting money.
• Prices impacted by your city – Being located in small towns and rural areas is a positive aspect if you are looking for the lowest rates. Fewer drivers translates into fewer accident claims in addition to fewer liability claims. Urban drivers have to deal with congested traffic and a longer drive to work. Longer commute distances statistically corresponds to a higher accident and claim rate.
• Your car’s features help determine rates – Selecting a car model with an alarm system can get you a discount on your car insurance. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your vehicle from being stolen.
• Getting married can save you money – Being married helps lower the price when buying car insurance. Having a spouse usually means you are more mature it has been statistically shown that married drivers get in fewer accidents.

• Insurance loss data for Kia Forte vehicles – Insurance companies factor in historical loss data to help determine the rate you pay. Models that are shown to have a higher amount or frequency of claims will cost more for coverage. The information below illustrates the compiled insurance loss statistics for Kia Forte vehicles.

  For each policy coverage type, the loss probability for all vehicles combined as an average is represented as 100. Numbers below 100 suggest losses that are better than average, while values that are above 100 point to more claims or an increased probability of a larger loss.

  
  

  Auto Insurance Loss Data for Kia Forte Models

  Specific Kia 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

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Premium rates and analysis

The rate information shown next outlines detailed analysis of insurance costs for Kia Forte models. Learning how auto insurance premiums are established is important for drivers to make decisions on the best policy coverages.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate information does not factor in garaging location in Bakersfield which can revise premiums substantially.

Choosing deductibles

One of the most common car insurance questions is which deductibles should you choose. The data tables below summarize the price difference when you select higher and lower physical damage deductibles. The first table uses a $250 deductible for physical damage and the second rate table uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Premium costs do not factor in specific zip code location which can change premium rates significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs about $17 more each month or $204 annually averaged for all Forte models than opting for the higher $500 deductible. Because you would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 15 months between claims, you would save more money if you decide on a higher deductible.

The information below illustrates how your deductible choice and can raise or lower Kia Forte insurance premiums for different age categories. The price estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Get cheaper Kia Forte insurance in Bakersfield with discounts

Car insurance companies don’t list every available discount very clearly, so the below list has a few of the more well known as well as some of the hidden discounts that you may qualify for.

• Save with More Vehicles Insured – Buying insurance for all your vehicles with the same car insurance company could earn a price break for each car.
• Policy Bundle Discount – If you combine your auto and home policies with one company you will save nearly 15% which can help you find low cost Kia Forte insurance.
• Passive Restraints and Air Bags – Factory options such as air bags may get savings up to 30%.
• Pay Early and Save – If you can afford to pay the entire bill instead of monthly or quarterly installments you can actually save on your bill.
• Low Mileage Discounts – Low mileage vehicles could be rewarded with discounted car insurance rates on garaged vehicles.
• Student in College – College-age children who are attending college and do not have access to a covered vehicle may qualify for this discount.
• Claim-Free Discount – Drivers with accident-free driving histories pay much less in comparison to insureds who have frequent claims or accidents.
• Defensive Driving Course – Successfully completing a course that instructs on driving safety could cut 5% off your bill and easily recoup the cost of the course.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

The chart below shows the comparison of Kia Forte car insurance costs with and without some available policy discounts. The costs are based on a male driver, a clean driving record, no claims, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, marriage, multi-policy, homeowner, and multi-car discounts applied.

A few of the larger companies and their possible discounts can be read below.

• State Farm may have discounts that include multiple autos, accident-free, good student, safe vehicle, Drive Safe & Save, student away at school, and anti-theft.
• Progressive policyholders can earn discounts including multi-policy, good student, homeowner, continuous coverage, and online quote discount.
• Travelers includes discounts for early quote, hybrid/electric vehicle, save driver, multi-car, IntelliDrive, and driver training.
• American Family offers discounts for Steer into Savings, TimeAway discount, good student, good driver, and air bags.
• Liberty Mutual offers premium reductions for safety features, preferred payment discount, hybrid vehicle, good student, and multi-car.

When getting a coverage quote, ask each company or agent how you can save money. All car insurance discounts might not be offered on policies everywhere. If you would like to see a list of car insurance companies who offer discounts in California, click here.

One last thing about your coverage

As you shop your coverage around, you should never buy poor coverage just to save money. In many instances, an insured cut comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy enough coverage at the best price while still protecting your assets.

Cheap Kia Forte insurance in Bakersfield is possible both online as well as from insurance agents, so you should compare both to have the best rate selection. Some auto insurance companies do not offer the ability to get quotes online and usually these regional insurance providers sell through local independent agencies.

For more information, feel free to browse these articles:

• Safe Vehicles for Teens (iihs.org)
• Who Has Cheap Bakersfield Car Insurance Quotes for a Jeep Grand Cherokee? (FAQ)
• Who Has the Cheapest Bakersfield Auto Insurance for Unemployed Drivers? (FAQ)
• Who Has Cheap Car Insurance Quotes for Postal Workers in Bakersfield? (FAQ)
• Who Has Affordable Bakersfield Auto Insurance for Uninsured Drivers? (FAQ)
• Alcohol Impaired Driving FAQ (iihs.org)
• Winter Driving (Insurance Information Institute)