Trying to find better insurance prices for a Kia Forte in California could be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to shop for auto insurance and you need to know the absolute fastest way to get price quotes for a new or used Kia and obtain the best price possible.
It’s smart to shop coverage around at least once a year since rates go up and down regularly. Even if you got the lowest rate on Kia Forte insurance in Long Beach a couple years back you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you’re about to learn one of the best ways to find great coverage at a great price.
The best way we recommend to get policy rate comparisons for Kia Forte insurance in Long Beach utilizes the fact most of the larger companies will pay a fee to give you rate quotes. The only thing you need to do is provide a little information such as coverage limits, if you have an active license, driver details, and if a SR-22 is needed. That information is automatically sent to multiple car insurance providers and they return rate quotes instantly to find the best rate.
To compare affordable Kia Forte insurance rates now, click here then complete the form.
The auto insurance companies shown below can provide quotes in Long Beach, CA. In order to find cheaper car insurance in Long Beach, CA, it’s highly recommended you visit as many as you can in order to find the cheapest rates.
These discounts can lower your auto insurance rates
Auto insurance companies don’t necessarily list every possible discount very clearly, so we break down both the well known and the more hidden credits available to you.
- Paper-free Discount – Certain auto insurance companies will discount your bill up to fifty bucks get Long Beach auto insurance digitally online.
- Distant Student Discount – Any of your kids who are enrolled in higher education away from home without a vehicle on campus may be able to be covered for less.
- Senior Citizen Rates – Older drivers can get better auto insurance rates.
- One Accident Forgiven – Not necessarily a discount, but certain companies will forgive one accident without the usual rate increase if you have no claims before the accident.
- Life Insurance – Select insurance companies reward you with a small discount if you purchase a life insurance policy as well.
You should keep in mind that some credits don’t apply to your bottom line cost. Most only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, it doesn’t quite work that way.
The diagram below shows the comparison of Kia Forte annual premium costs with and without discounts applied to the policy rates. The information is based on a male driver, no violations or claims, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-policy, claim-free, multi-car, and homeowner discounts applied.
Some of the insurance companies that have some of the discounts shown above are:
If you are trying to find affordable Kia Forte insurance quotes, ask each insurance company which discounts they offer. Some of the discounts discussed earlier might not be offered on policies in Long Beach.
Rates and detailed analysis
The premium table displayed next covers different insurance rates for Kia Forte models. Understanding more about how prices are determined can assist in making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $292 | $468 | $416 | $24 | $124 | $1,324 | $110 |
| Forte EX 4-Dr Sedan | $292 | $468 | $416 | $24 | $124 | $1,324 | $110 |
| Forte SX 4-Dr Sedan | $330 | $570 | $416 | $24 | $124 | $1,464 | $122 |
| Forte EX 2-Dr Coupe | $330 | $672 | $470 | $28 | $140 | $1,640 | $137 |
| Forte SX 2-Dr Coupe | $330 | $672 | $470 | $28 | $140 | $1,640 | $137 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Prices do not factor in vehicle garaging location which can change auto insurance rates considerably.
Higher deductibles lower rates
One frequently asked question is how high should the physical damage coverage deductibles be. The following tables may aid in understanding the rate difference between low and high coverage deductibles. The first rate table uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 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 | $210 | $298 | $442 | $26 | $132 | $1,108 | $92 |
| Forte EX 4-Dr Sedan | $210 | $298 | $442 | $26 | $132 | $1,108 | $92 |
| Forte SX 4-Dr Sedan | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Forte EX 2-Dr Coupe | $238 | $426 | $500 | $30 | $150 | $1,344 | $112 |
| Forte SX 2-Dr Coupe | $238 | $426 | $500 | $30 | $150 | $1,344 | $112 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in specific zip code location which can decrease or increase auto insurance rates noticeably.
Based on this data, we can arrive at the conclusion that using a $100 deductible could cost the average driver approximately $44 more each month or $528 annually than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 20 months between claim filings, you would probably be better off by selecting a higher deductible.
Drive responsibly or pay higher rates
The diagram below highlights how speeding tickets and at-fault claims can impact Kia Forte auto insurance rates for different age categories. The premiums are based on a married female driver, full coverage, $100 deductibles, and no discounts are taken into consideration.
Insurance rates based on gender
The illustration below visualizes the comparison of Kia Forte annual premium costs for male and female drivers. The data is based on no claims, a clean driving record, full physical damage coverage, $250 deductibles, marital status is single, and no discounts are taken into consideration.
What Affects Kia Forte Insurance Costs?
One of the most helpful ways to save on insurance is to to have a grasp of a few of the rating criteria that go into determining your policy premiums. When consumers understand what determines base rates, this helps enable you to make changes that could help you find big savings.
A policy lapse is a bad thing – Letting your insurance expire is a sure-fire way to pay more for insurance. Not only will you pay higher rates, failure to provide proof of insurance could earn you a steep fine or even jail time.
With age comes lower premiums – Older drivers are more cautious drivers, cost insurance companies less in claims, and tend to be get fewer driving tickets. Teenage drivers are statistically proven to be careless and easily distracted in a vehicle so they pay higher insurance rates.
The following chart is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.
Discounts for multiple policies – Most major insurance companies afford lower prices to customers that buy multiple policies such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. Even if you qualify for this discount already, it’s in your best interest to shop around to help guarantee you have the best rates. You may still find lower rates by buying from different companies
Low mileage costs less – Driving a lot of miles in a year’s time the more you will pay for insurance. Many insurance companies charge to insure your cars based upon how you use the vehicle. Vehicles not used for work or commuting get more affordable rates than cars that get driven a lot. Ask your agent if your insurance policy reflects the correct usage, because it can save money. Incorrect rating for your Forte can result in significantly higher rates.
Vehicles with better crash test results means lower insurance rates – Cars with five star safety ratings cost less to insure. Vehicles engineered for safety reduce injuries and fewer injuries means less money paid by your insurance company passed on to you as lower rates.
Where you call home can influence prices – Choosing to live in a rural area can be a good thing when trying to find low car insurance rates. Residents of big cities tend to have more auto accidents and much longer commute distances. Less people living in that area translates into fewer accident claims and lower theft and vandalism rates.
Loss statistics for a Kia Forte – Insurance companies study historical loss data to help set a rate to offset losses. Models that historically have a higher amount or frequency of claims will be charged more to insure.
The next table shows the compiled insurance loss statistics for Kia Forte vehicles. For each type of coverage, the statistical loss for all vehicles combined as an average equals 100. Values that are under 100 mean the vehicle has better than average losses, while percentage numbers above 100 indicate a higher chance of having a claim or larger claims.
| 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 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Get rate quotes but work with a local Long Beach insurance agency
Some consumers still prefer to get advice from a local agent and that is a personal choice. Good insurance agents can answer important questions and help in the event of a claim. A good thing about comparing rate quotes online is that drivers can save money and get cheap rate quotes and still have an agent to talk to.
Once you complete this quick form, your insurance data is submitted to companies in Long Beach who want to provide quotes for your coverage. There is no need to leave your computer because quoted prices will be sent directly to your email. If for some reason you want to quote rates for a specific company, you can always visit that company’s website and submit a quote form there.
Selecting a insurance company shouldn’t rely on just the premium amount. Agents should be asked these questions:
- How much training do they have in personal risk management?
- Does the company have a local claim office in Long Beach?
- Is their price quote a firm figure or are their hidden costs?
- How are they compensated?
- What is their Better Business Bureau rating?
When looking for a local Long Beach insurance agent, there are a couple of different types of agencies and how they work. Car insurance policy providers are classified as either independent or exclusive. Either one can sell car insurance policies, but it’s worth learning the difference between them because it can impact the selection process.
Exclusive Agents
Agents that choose to be exclusive generally can only insure with one company and examples are State Farm, Allstate and AAA. They usually cannot shop your coverage around so if the price isn’t competitive there isn’t much they can do. Exclusive agents are highly trained on their products and sales techniques and that allows them to sell at a higher price point. Some consumers prefer to buy from exclusive agents partially due to the prominent brand name rather than low rates.
The following are exclusive agencies in Long Beach who can help you get comparison quotes.
- Brad Garofalo – State Farm Insurance Agent
2221 Palo Verde Ave Ste 2D – Long Beach, CA 90815 – (562) 280-0488 – View Map - April Showers – State Farm Insurance Agent
537 W Willow St – Long Beach, CA 90806 – (562) 612-4949 – View Map - Allstate Insurance: Joilyn Hanley
5520 E 2nd St a – Long Beach, CA 90803 – (562) 438-4663 – View Map
Independent Agencies or Brokers
These agents do not work for one specific company and that is an advantage because they can write policies with an assortment of companies and get the cheapest rates. If your premiums go up, they simply move the coverage in-house which requires no work on your part.
When comparison shopping, we recommend you include at a minimum one independent agency so that you have a good selection of quotes to compare. Many can place coverage with additional companies that you may not be familiar with that may have much lower rates than larger companies.
Listed below is a list of independent agencies in Long Beach that can give you price quotes.
- Lara Insurance
6689 Downey Ave – Long Beach, CA 90805 – (562) 408-2800 – View Map - C. Diamond Insurance Agency
5538 Long Beach Blvd – Long Beach, CA 90805 – (562) 428-4995 – View Map - Rosanne Sanchez Insurance Agency
1165 E San Antonio Dr – Long Beach, CA 90807 – (310) 874-3933 – View Map
Don’t give up on cheap rates
People leave their current company for a number of reasons such as policy cancellation, questionable increases in premium, high prices or even unfair underwriting practices. Regardless of your reason for switching companies, finding a great new company can be less work than you think.
Some insurance providers don’t offer online price quotes and most of the time these regional insurance providers provide coverage only through local independent agents. Discount Kia Forte insurance can be purchased from both online companies and with local Long Beach insurance agents, and you should be comparing both to have the best chance of lowering rates.
We just presented many ways to find cheaper Kia Forte insurance in Long Beach. The key concept to understand is the more times you quote, the better likelihood of getting affordable Long Beach auto insurance quotes. You may even be surprised to find that the best car insurance rates are with some of the lesser-known companies.
Steps to finding cheaper quotes for Kia Forte insurance in Long Beach
Really, the only way to find the cheapest price for Kia Forte insurance is to start doing a yearly price comparison from insurers who sell auto insurance in Long Beach. Rates can be compared by completing these steps.
- Gain an understanding of what is in your policy and the factors you can control to prevent expensive coverage. Many rating criteria that increase rates like traffic violations, accidents, and an imperfect credit score can be controlled by being financially responsible and driving safely.
- Compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from one company like GEICO or State Farm, while agents who are independent can provide rate quotes for a wide range of companies.
- Compare the new rate quotes to your existing policy to see if a cheaper price is available in Long Beach. If you can save some money and switch companies, ensure coverage does not lapse between policies.
- Notify your current company to cancel your current auto insurance policy and submit payment and a completed application to your new agent or company. Immediately upon receiving it, place the new proof of insurance paperwork with the vehicle registration.
A crucial key to this process is to try to use the same level of coverage on every quote and and to get price estimates from all possible companies. Doing this enables an apples-to-apples comparison and the best rate selection.
To learn more, feel free to visit these articles:
- Determining Auto Insurance Rates (GEICO)
- Child Safety FAQ (iihs.org)
- Think You’re a Safe Driver? (State Farm)