Do you need a fast way to compare the cheapest Kia Forte insurance in San Jose? Sick and tired of not being able to scrape enough together to make your auto insurance payment? You have the same problem as many other vehicle owners in California.
Everyone knows that auto insurance companies don’t want their policyholders to compare prices. Drivers who shop around for cheaper rates will, in all likelihood, buy a new policy because they have good chances of finding lower rate quotes. A study showed that people who shopped around annually saved $860 a year as compared to drivers who don’t regularly compare prices.
If finding the lowest rates on Kia Forte insurance in San Jose is your intention, then having some knowledge of the best way to shop and compare coverages can help simplify the task of finding more affordable coverage. Because there are so many auto insurance companies to choose from, it can be challenging to pick the most cost effective company.
It’s smart to price shop coverage at least once a year because insurance prices go up and down regularly. Just because you found the lowest rate on Kia Forte insurance in San Jose at your last renewal there may be better deals available now. Ignore everything you know about auto insurance because you’re going to get a crash course in the quickest way to save money, get proper coverage and the best rates.
Buying the cheapest auto insurance in San Jose seems hard but is not really that difficult. If you are already insured or just want cheaper coverage, you can follow these tips to find the best rates without reducing coverage. Consumers just have to learn the proper methods to shop from multiple carriers.
Best companies for Kia Forte insurance
The car insurance companies shown below are our best choices to provide free quotes in San Jose, CA. If the list has multiple companies, it’s a good idea that you visit as many as you can to get the most competitive price.
Data for Kia Forte insurance
The price information displayed next covers different insurance costs for Kia Forte models. Learning how prices are determined is important for making decisions on which insurance to purchase.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Forte LX 4-Dr Sedan||$238||$392||$500||$30||$150||$1,310||$109|
|Forte EX 4-Dr Sedan||$238||$392||$500||$30||$150||$1,310||$109|
|Forte SX 4-Dr Sedan||$270||$478||$500||$30||$150||$1,428||$119|
|Forte EX 2-Dr Coupe||$270||$564||$564||$34||$168||$1,600||$133|
|Forte SX 2-Dr Coupe||$270||$564||$564||$34||$168||$1,600||$133|
|Get Your Own Custom Quote Go|
Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Rate quotes do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage rates greatly.
The information below demonstrates how deductible levels and can raise or lower Kia Forte premium costs for different age groups. The prices are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.
Take policy discounts and save on Kia Forte insurance in San Jose
Insurance is not inexpensive, but there could be available discounts that can drop the cost substantially. Certain discounts will be applied at quote time, but some must be requested specifically prior to getting the savings. If they aren’t giving you every credit you deserve, you are just wasting money.
- More Vehicles More Savings – Having all your vehicles on one policy can reduce the rates for all insured vehicles.
- Pay Upfront and Save – If you can afford to pay the entire bill rather than paying in monthly installments you could save up to 5%.
- Drivers Education – Cut your cost by having your teen driver complete a driver education course in school or through a local driver safety program.
- Government Employee Discount – Employees or retirees of the government can save as much as 8% with some insurance companies.
- Theft Deterrent – Anti-theft and alarm system equipped vehicles help deter theft and will qualify for a discount on a San Jose auto insurance quote.
- Discounts for Responsible Drivers – Drivers who avoid accidents can pay as much as 50% less compared to accident prone drivers.
- Waiver for an Accident – This one isn’t a discount, but some companies like Progressive, Allstate, and Liberty Mutual will forgive one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
- Low Mileage Discounts – Fewer annual miles on your Kia may enable drivers to earn substantially lower prices.
- Save over 55 – If you qualify as a senior citizen, you could receive better insurance rates.
You can save money using discounts, but some credits don’t apply to the overall cost of the policy. Most only cut individual premiums such as medical payments or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, you won’t be that lucky. But any discount will bring down your policy premium.
The diagram below compares Kia Forte auto insurance costs with and without policy discounts. The premium estimates are based on a male driver, no claims or driving violations, California state minimum liability limits, comprehensive and collision 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, multi-policy, homeowner, marriage, and multi-car discounts applied.
If you would like to view insurance companies who offer online Kia Forte insurance quotes in California, follow this link.
Informed Consumers Know How to Buy Car Insurance for Less
Many different elements are part of the calculation when you get your auto insurance bill. Most are fairly basic such as traffic violations, but other factors are more transparent like your continuous coverage or your commute time. The best way to find cheaper car insurance is to take a look at the factors that aid in calculating your policy premiums. If you understand what impacts premium levels, this allows you to make good choices that can help you get better car insurance rates.
A policy lapse is a bad thing – Not maintaining insurance is not a good idea and you will pay a penalty because you let your coverage cancel without a new policy in place. And not only will your rates increase, getting caught without coverage may result in a revoked license or a big fine.
Too many insurance claims drive up car insurance rates – Companies in California give the lowest premiums to insureds who do not rely on their insurance for small claims. If you frequently file small claims, you can definitely plan on higher premiums or even policy non-renewal. Auto insurance is meant to be used in the event of more catastrophic claims.
Premiums are high for teenagers – Young drivers in California are proven to be inattentive behind the wheel and because of this, their car insurance rates are much higher. Mature drivers are proven to be safer behind the wheel, tend to cause fewer accidents, and are generally more financially stable.
The next chart is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Eliminate incidental coverages – Insurance companies have many extra bells and whistles that can add up if you aren’t careful. Coverages like roadside assistance, accidental death, and membership fees may be costing you every month. They may sound like good ideas when buying your policy, but if they’re wasting money consider taking them off your policy.
Tickets and citations cost more than a fine – Whether or not you get tickets can have a huge impact on auto insurance premiums. Having just one chargeable violation can bump up the cost by twenty percent. Attentive drivers pay less for auto insurance than their less careful counterparts. Drivers with flagrant citations like DUI or willful reckless driving may find that they have to to submit a SR-22 form to the state department of motor vehicles in order to legally drive a vehicle.
The information below highlights how traffic violations and accidents impact Kia Forte annual premium costs for different age groups. The price estimates are based on a single male driver, full coverage, $500 deductibles, and no other discounts are factored in.
Kia Forte insurance loss probability – Auto insurance companies analyze historical claim data to help set a rate to offset losses. Models that are shown to have higher loss trends will have higher rates for specific coverages. The data below shows the insurance loss data for Kia Forte vehicles.
For each coverage category, the statistical loss for all vehicles, regardless of manufacturer or model, is a value of 100. Percentage numbers below 100 imply a favorable loss record, while numbers that are greater than 100 indicate more frequent losses or tendency to have larger claims.
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Auto insurance agents near you
Certain consumers would rather buy from a licensed agent and we recommend doing that Experienced insurance agents can answer important questions and help you file claims. One of the best bonuses of comparing insurance prices online is the fact that you can find cheap insurance rates and still have a local agent.
After completing this simple form, your insurance data is transmitted to participating agents in San Jose that can provide free San Jose auto insurance quotes to get your business. There is no reason to contact any agents because prices are sent immediately to you. In the event you want to compare rates for a specific company, just navigate to their website and fill out their quote form.
Choosing the best company needs to be determined by more than just the price. These are some valid questions you should ask.
- Do they have 24-hour customer assistance?
- What is their Better Business Bureau rating?
- Are they full-time agents?
- What kind of financial rating does the company have?
- Are they primarily personal or commercial lines agents in San Jose?
- Do they have any clout with companies to ensure a fair claim settlement?
- Are there any discounts that you might be missing?
Different types of San Jose car insurance agents
If you’re trying to find a reputable agency, you should know the different types of agents and how they differ in how they quote coverages. San Jose agents can either be exclusive agents or independent agents. Either one can insure your vehicles, but it is a good idea to know why they differ because it can influence buying decisions.
Exclusive insurance agents can only provide one company’s prices such as Farmers Insurance and State Farm. These agents are not able to compare rates from other companies so they have no alternatives for high prices. Exclusive agents are usually well trained on their company’s products and that enables them to sell even at higher rates.
Listed below are exclusive insurance agencies in San Jose that are able to give price quote information.
Independent Agents (or Brokers)
Independent insurance agents are normally appointed by many insurers and that is an advantage because they can write policies amongst many companies and find you the best rates. If you are not satisfied with one company, they simply move your policy to a different company without you having to go to a different agency.
If you are trying to find cheaper rates, you will want to check rates from at least one independent agent for the best price selection.
Below is a list of independent insurance agents in San Jose who can help you get comparison quotes.
Sergio Plascencia Insurance Agency
3136 Story Rd – San Jose, CA 95127 – (408) 254-8336 – View Map
A conclusion for your car insurance search
Cost effective Kia Forte insurance can be found online in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers may not offer the ability to get quotes online and these small, regional companies only sell through independent agents.
When buying insurance coverage, you should never sacrifice coverage to reduce premiums. In many cases, someone sacrificed liability limits or collision coverage only to find out that it was a big error on their part. The proper strategy is to get the best coverage possible at the best cost and still be able to protect your assets.
How to find affordable Kia Forte insurance in San Jose
The most effective way to find cheaper quotes for Kia Forte insurance in San Jose is to start comparing prices regularly from insurers who provide auto insurance in California.
- First, read about how companies price auto insurance and the things you can control to keep rates low. Many things that are responsible for high rates like accidents, careless driving, and a lousy credit rating can be rectified by being financially responsible and driving safely.
- Second, compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO and Allstate, while independent agencies can provide prices from many different companies.
- Third, compare the price quotes to your current policy to determine if you can save on Forte insurance. If you find a lower rate and make a switch, make sure coverage does not lapse between policies.
An important part of this process is to use the same amount of coverage on each quote request and and to compare as many auto insurance providers as possible. This enables an accurate price comparison and a good representation of prices.
For more information, feel free to browse these articles:
- State Laws for Cellphones and Texting (iihs.org)
- Who Has Affordable Auto Insurance Rates for Teenagers in San Jose? (FAQ)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- Shopping for a Safe Car (Insurance Information Institute)
- Insurance Losses by Make and Model (iihs.org)