How to Save on Kia Forte Insurance in Virginia Beach

Insurance quote for Kia Forte in Virginia BeachThe recommended way to find cheaper Kia Forte insurance in Virginia Beach is to compare quotes once a year from different companies that insure vehicles in Virginia. Price quotes can be compared by following these steps.

  1. Take a few minutes and learn about how car insurance works and the modifications you can make to prevent expensive coverage. Many things that result in higher rates such as your driving record and poor credit history can be improved by making small lifestyle or driving habit changes. Read the full article for ideas to lower rates and earn larger discounts.
  2. Compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from one company like Progressive and State Farm, while agents who are independent can give you price quotes from multiple insurance companies.
  3. Compare the new rates to your current policy to see if a cheaper price is available. If you find a better price, ensure there is no coverage lapse between policies.
  4. Provide notification to your current company of your intent to cancel your current coverage and submit a completed application and payment for your new coverage. Once the application is submitted, place your new proof of insurance certificate along with the vehicle’s registration papers.

A good tip to remember is to use the same level of coverage on every quote request and and to analyze every company you can. This helps ensure a fair rate comparison and the most accurate and complete price analysis.

Smart shoppers know that auto insurance companies don’t want customers comparing rates. Consumers who perform rate comparisons will, in all likelihood, switch companies because they have a good chance of finding discount prices. A recent insurance study revealed that drivers who compared rate quotes regularly saved on average $860 a year compared to other drivers who never shopped around for cheaper prices.

If finding the most affordable Kia Forte insurance is your ultimate goal, understanding the best way to compare auto insurance can save time and make the process easier.

Locating the best insurance company for you in Virginia Beach is much easier if you know where to start. If you have a current car insurance policy, you will definitely be able to get lower rates using these tips. Vehicle owners only need an understanding of the proper methods to shop online from multiple companies.

Finding cheaper car insurance quotes is pretty simple and can save money. You just have to spend a few minutes on the computer getting comparison quotes from different insurance companies.

Doing online price quotes comparisons is so easy that it takes the place of having to spend your day driving to local insurance agencies. Buying insurance online has reduced the need for local agents unless you want the peace of mind that you can only get from talking to an agent. It is possible with some companies price shop online but purchase the actual policy in an agency.

The providers in the list below are ready to provide free quotes in Virginia Beach, VA. To buy cheap auto insurance in VA, it’s highly recommended you click on several of them to get a more complete price comparison.

Insurance coverage details

The rate table displayed next outlines estimates of rate quotes for Kia Forte models. Having insight into how auto insurance premiums are determined helps drivers make smart choices when selecting a policy.

Kia Forte Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $106 $170 $290 $18 $88 $672 $56
Forte EX 4-Dr Sedan $106 $170 $290 $18 $88 $672 $56
Forte SX 4-Dr Sedan $120 $206 $290 $18 $88 $722 $60
Forte EX 2-Dr Coupe $120 $244 $328 $20 $98 $810 $68
Forte SX 2-Dr Coupe $120 $244 $328 $20 $98 $810 $68
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Table data does not factor in the specific area where the vehicle is garaged which can alter auto insurance rates considerably.

Rate comparison for different deductibles

When buying auto insurance, a common question is how high should the physical damage coverage deductibles be. The following tables lay out the costs and benefits between low and high comp and collision deductibles. The first rate table uses a $250 deductible and the second set of rates uses a $500 deductible.

Kia Forte insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $198 $276 $258 $16 $78 $851 $71
Forte EX 4-Dr Sedan $198 $276 $258 $16 $78 $851 $71
Forte SX 4-Dr Sedan $224 $336 $258 $16 $78 $937 $78
Forte EX 2-Dr Coupe $224 $394 $290 $18 $88 $1,039 $87
Forte SX 2-Dr Coupe $224 $394 $290 $18 $88 $1,039 $87
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Kia Forte insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $162 $222 $258 $16 $78 $736 $61
Forte EX 4-Dr Sedan $162 $222 $258 $16 $78 $736 $61
Forte SX 4-Dr Sedan $182 $270 $258 $16 $78 $804 $67
Forte EX 2-Dr Coupe $182 $318 $290 $18 $88 $896 $75
Forte SX 2-Dr Coupe $182 $318 $290 $18 $88 $896 $75
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Information does not factor in specific garaging location which can affect prices substantially.

We can derive from the above data that using a $250 deductible will cost you about $11 more each month or $132 a year than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you usually have at least 23 months between claim filings, you would probably be better off if you decide on a higher deductible.

Calculation for raising deductibles

Average monthly premium for $250 deductibles: $79
Average monthly premium for $500 deductibles (subtract): – $68
Monthly savings from raising deductible: $11
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

An important thing to remember is that increasing deductibles to save money means you will have to pay more if you have a claim. You should have enough disposable income in the event you need to pay the deductible to have repairs made.

The chart below demonstrates how deductibles and can increase or decrease Kia Forte insurance costs for different age groups of insureds. The premium estimates are based on a single male driver, full physical damage coverage, and no discounts are applied.

Full coverage versus liability-only

The diagram below compares Kia Forte auto insurance costs with and without full coverage. The rates are based on no violations or claims, $100 deductibles, drivers are single, and no other discounts are factored in.

When to drop comprehensive and collision

There is no definitive guideline to stop buying comp and collision coverage, but there is a general guideline you can use. If the annual cost of having full coverage is more than 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Kia Forte book value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $5,000 after paying the physical damage deductible. If it’s costing in excess of $500 a year to have full coverage, then you may want to consider only buying liability coverage.

There are a few cases where dropping full coverage is not a good plan. If you still owe a portion of the original loan, you have to keep full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not drop full coverage.

Tailor your auto insurance coverage to you

Always remember that when buying your policy for your vehicles, there really isn’t a one size fits all plan. Every insured’s situation is different so your insurance should reflect thatAuto insurance savings
Here are some questions about coverages that might point out if your situation would benefit from an agent’s advice.

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Get rate quotes but buy from a local Virginia Beach insurance agency

Some consumers just prefer to visit with an insurance agent and that is recommended in a lot of cases Good agents can answer important questions and will help you if you have claims. One of the best bonuses of price shopping on the web is you can get lower rates and still buy from a local agent.

After completing this short form, your insurance data is emailed to local insurance agents in Virginia Beach that can give you free Virginia Beach car insurance quotes for your car insurance coverage. There is no need to leave your computer since price quotes are sent to the email address you provide. If you need to quote rates for a specific company, you just need to jump over to their website and fill out the quote form the provide.

Choosing the best insurer requires more thought than just the bottom line cost. The questions below may impact your decision as well.

If you want to buy car insurance from a local Virginia Beach insurance agency, it’s helpful to know the types of agencies from which to choose. Agents can be classified as either independent or exclusive. Both types can sell car insurance policies, but it is a good idea to know how they are different because it can impact buying decisions.

Exclusive Insurance Agents

Exclusive insurance agents can only quote rates from one company like Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents are unable to provide prices from multiple companies so keep that in mind. Exclusive agents are well schooled on the products they sell and that allows them to sell at a higher price point.

Below is a short list of exclusive insurance agencies in Virginia Beach who can help you get price quote information.

421 S Witchduck RdVirginia Beach, VA 23462(757) 490-2744View Map

5660 Indian River Rd #126Virginia Beach, VA 23464(757) 366-0322View Map

1112 Laskin RdVirginia Beach, VA 23451(757) 428-8002View Map

View more Virginia Beach agents

Independent Insurance Agents

Agents that elect to be independent are not limited to a single company and that gives them the ability to insure with multiple insurance companies and find the cheapest car insurance rates. If they quote lower rates, your agent can switch companies and the insured can keep the same agent.

If you need cheaper car insurance rates, you will definitely want to check rates from a couple of independent agencies so that you can do a thorough price comparison.

Listed below are independent agencies in Virginia Beach who can help you get price quotes.

780 Lynnhaven Pkwy #400Virginia Beach, VA 23452(757) 819-6896View Map

1920 Centerville Turnpike Ste 97Virginia Beach, VA 23464(757) 479-0551View Map

4176 S Plaza Trail Ste 101Virginia Beach, VA 23452(757) 340-1200View Map

View more Virginia Beach agents

Virginia Beach car insurance companies ranked

Insuring your vehicle with the best insurance company can be rather challenging considering how many different insurance companies sell coverage in Virginia Beach. The company rank data in the next section may help you select which providers you want to consider when comparing rate quotes.

Top 10 Virginia Beach Car Insurance Companies Ranked by Claims Service

  1. Travelers
  2. Allstate
  3. Nationwide
  4. State Farm
  5. GEICO
  6. Liberty Mutual
  7. American Family
  8. Esurance
  9. AAA Insurance
  10. Titan Insurance

Top 10 Virginia Beach Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General