The preferred way to find affordable quotes for Kia Forte insurance is to compare quotes once a year from companies that sell auto insurance in Fort Wayne.
Step 1: Gain an understanding of coverages and the factors you can control to drop your rates. Many rating criteria that drive up the price like traffic violations, accidents, and a negative credit score can be remedied by improving your driving habits or financial responsibility. Continue reading for additional ideas to help prevent costly coverage and find discounts that you may qualify for.
Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from a single company like GEICO or Farmers Insurance, while agents who are independent can quote prices for a wide range of companies.
Step 3: Compare the quotes to the price on your current policy to see if a cheaper price is available. If you find better rates and switch companies, verify that coverage does not lapse between policies.
One important bit of advice is to try to use similar coverage information on every price quote and and to get rate quotes from all possible companies. Doing this provides a fair rate comparison and the best price selection.
It’s an obvious statement that insurance companies don’t want their policyholders to compare prices. Drivers who shop around at least once a year are inclined to switch companies because they have good chances of getting low-cost coverage. A survey found that drivers who faithfully checked for cheaper rates saved as much as $3,400 over four years as compared to drivers who never compared rates.
If finding the most affordable car insurance in Fort Wayne is your ultimate objective, then having an understanding of the best way to quote and compare auto insurance can make it easier to find better rates.
This article’s intent is to help educate you on the best way to buy inexpensive auto insurance and how you can save the most money. If you have auto insurance now, you should be able to reduce premiums using the tips covered below. You just have to use the quickest method to compare different rates from many different companies online.
First Step: Get free Kia Forte insurance quotes
Finding low cost Fort Wayne insurance quotes is pretty simple and can save money. The only thing you need to do is take a few minutes getting comparison quotes from some recommended companies.
The providers in the list below are our best choices to provide price quotes in Fort Wayne, IN. If you want the best auto insurance in Fort Wayne, we suggest you visit several of them in order to find the most affordable rates.
Fort Wayne car insurance discounts
Companies offering auto insurance don’t necessarily list the entire discount list very clearly, so we researched both well-publicized and also the more inconspicuous credits available to bring down your rates.
- Payment Discounts – If paying your policy premium upfront rather than paying in monthly installments you can actually save on your bill.
- Fort Wayne Homeowners Pay Less – Being a homeowner can get you a discount because owning a home means you have a higher level of financial diligence.
- Discounts for Safe Drivers – Drivers without accidents may receive a discount up to 45% than drivers with accident claims.
- Theft Deterrent Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems have a lower chance of being stolen and therefore earn up to a 10% discount.
- One Accident Forgiven – This isn’t a discount exactly, but companies like State Farm, Progressive and GEICO will forgive one accident before they charge you more for coverage if you have no claims before the accident.
- Multiple Vehicles – Purchasing coverage when you have more than one vehicle on one policy can get a discount for every vehicle.
- New Vehicle Savings – Putting car insurance coverage on a new Forte can be considerably cheaper compared to insuring an older model.
- Early Switch Discount – A few larger companies allow discounts for switching companies prior to your current Forte insurance policy expiring. Ten percent is about the average savings.
- Braking Control Discount – Cars with anti-lock braking systems can avoid accidents so companies give up to a 10% discount.
- Memberships – Belonging to specific professional or occupational memberships or organizations may earn a discount on car insurance.
As is typical with insurance, many deductions do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren’t that generous.
The example below illustrates the difference between Kia Forte car insurance rates with and without policy discounts. The premium estimates are based on a female driver, no violations or accidents, Indiana state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, safe-driver, claim-free, homeowner, and marriage discounts applied.
A list of car insurance companies and the discounts they provide include:
- GEICO policyholders can earn discounts including five-year accident-free, good student, daytime running lights, membership and employees, defensive driver, and air bags.
- MetLife includes discounts for accident-free, multi-policy, good driver, claim-free, and good student.
- Progressive may have discounts that include online signing, good student, homeowner, multi-vehicle, and continuous coverage.
- Travelers discounts include driver training, good student, new car, early quote, and student away at school.
- SAFECO offers discounts for homeowner, teen safety rewards, safe driver, anti-lock brakes, anti-theft, teen safe driver, and accident prevention training.
- AAA may offer discounts for multi-car, AAA membership discount, education and occupation, anti-theft, good driver, and multi-policy.
It’s a good idea to ask all the companies to apply every possible discount. All car insurance discounts might not be available to policyholders in Fort Wayne. To choose insurance companies with significant discounts in Indiana, click this link.
Coverage statistics and figures
The coverage information displayed below covers different insurance rates for Kia Forte models. Learning more about how insurance premiums are formulated can help guide drivers when making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $130 | $186 | $286 | $16 | $86 | $704 | $59 |
| Forte EX 4-Dr Sedan | $130 | $186 | $286 | $16 | $86 | $704 | $59 |
| Forte SX 4-Dr Sedan | $146 | $226 | $286 | $16 | $86 | $760 | $63 |
| Forte EX 2-Dr Coupe | $146 | $266 | $324 | $20 | $96 | $852 | $71 |
| Forte SX 2-Dr Coupe | $146 | $266 | $324 | $20 | $96 | $852 | $71 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Estimates do not factor in specific location information which can lower or raise premiums noticeably.
Higher deductibles save money
One of the hardest decisions when shopping for car insurance is where to set your physical damage deductibles. The premium rates below can help illustrate the rate difference when you choose different physical damage coverage deductibles. The first pricing table uses a $100 deductible for comp and collision and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $242 | $358 | $280 | $16 | $84 | $1,005 | $84 |
| Forte EX 4-Dr Sedan | $242 | $358 | $280 | $16 | $84 | $1,005 | $84 |
| Forte SX 4-Dr Sedan | $272 | $436 | $280 | $16 | $84 | $1,113 | $93 |
| Forte EX 2-Dr Coupe | $272 | $514 | $318 | $18 | $94 | $1,241 | $103 |
| Forte SX 2-Dr Coupe | $272 | $514 | $318 | $18 | $94 | $1,241 | $103 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $176 | $242 | $280 | $16 | $84 | $798 | $67 |
| Forte EX 4-Dr Sedan | $176 | $242 | $280 | $16 | $84 | $798 | $67 |
| Forte SX 4-Dr Sedan | $200 | $294 | $280 | $16 | $84 | $874 | $73 |
| Forte EX 2-Dr Coupe | $200 | $348 | $318 | $18 | $94 | $978 | $82 |
| Forte SX 2-Dr Coupe | $200 | $348 | $318 | $18 | $94 | $978 | $82 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rates do not factor in zip code location which can impact price quotes considerably.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you roughly $19 more each month or $228 for a full year than opting for the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you usually have more than 21 months between claim filings, you would probably save some money by going with a higher deductible. The table below shows how you can do this calculation yourself.
| Average monthly premium for $100 deductibles: | $93 |
| Average monthly premium for $500 deductibles (subtract): | – $74 |
| Monthly savings from raising deductible: | $19 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $19 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
One thing to note is that a higher deductible means you pay more out-of-pocket when you do file a claim. You need some funds available in order to pay the deductible to have repairs made.
Car insurance rates by gender and age
The illustration below visualizes the comparison of Kia Forte auto insurance rates for male and female drivers. The premium estimates are based on no tickets, no at-fault accidents, full coverage, $250 deductibles, single marital status, and no other discounts are factored in.
Does it make sense to buy full coverage?
The diagram below illustrates the comparison of Kia Forte car insurance costs when comparing full coverage to liability only. The data assumes no claims or violations, $100 deductibles, single marital status, and no policy discounts are applied.
Should you be buying full coverage?
There is no clear-cut rule to exclude full coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
For example, let’s say your Kia Forte settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $3,000 after the deductible is paid. If premium cost is more than $300 a year for full coverage, then it might be time to buy liability only.
There are a few cases where eliminating full coverage is not a good idea. If you still owe a portion of the original loan, you have to carry full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.
Auto insurance quotes from local Fort Wayne insurance agencies
Some people just prefer to talk to an insurance agent and that is not a bad decision Good agents will help you protect your assets and help in the event of a claim. A nice benefit of comparing rate quotes online is you can get cheap auto insurance quotes but still work with a licensed agent. Buying insurance from local insurance agencies is important especially in Fort Wayne.
After filling out this form (opens in new window), your coverage information is submitted to participating agents in Fort Wayne who will return price quotes for your coverage. You won’t need to leave your computer since rate quotes are delivered to you instantly. If you want to quote rates for a specific company, you just need to go to their quote page and fill out their quote form.
When researching local Fort Wayne agents, there are two types of insurance agents and how they operate. Auto insurance policy providers can either be independent or exclusive depending on the company they work for. Either type can sell and service auto insurance coverage, but it’s a good idea to understand why they differ since it can affect which type of agent you select.
Independent Agents
Agents that elect to be independent are not restricted to one company and that enables them to quote your coverage with multiple insurance companies and find the cheapest rate. To move your coverage to a new company, the business is moved internally which requires no work on your part.
If you are trying to find cheaper rates, you should always compare quotes from several independent insurance agents for maximum quote selection. Many independent agencies also insure through companies that do not advertise much which may provide better rates.
Shown below is a short list of independent agents in Fort Wayne that can possibly get you free auto insurance quotes.
- InsureOne Insurance Agency
3213 E State Blvd – Fort Wayne, IN 46805 – (260) 216-0024 – View Map - Jackson Insurance Agency
809 S Calhoun St #308 – Fort Wayne, IN 46802 – (260) 434-0352 – View Map - G A MacDonald Associates
2200 Lake Ave #120 – Fort Wayne, IN 46805 – (260) 422-5377 – View Map
Exclusive Insurance Agents
Agents in the exclusive channel can usually just insure with one company such as American Family, State Farm, and AAA. They usually cannot provide other company’s prices so it’s a take it or leave it situation. They are highly trained in insurance sales which aids in selling service over price. Many people buy from the same agent for years partially due to the brand rather than low price.
Below are Fort Wayne exclusive agents willing to provide rate quotes.
- Allstate Insurance: Rolly Bhargava
4660 W Jefferson Blvd Ste 100 – Fort Wayne, IN 46804 – (260) 459-7673 – View Map - Sam Till Jr – State Farm Insurance Agent
615 Goshen Ave – Fort Wayne, IN 46808 – (260) 482-9623 – View Map - John Carr – State Farm Insurance Agent
1018 E Dupont Rd – Fort Wayne, IN 46825 – (260) 489-3838 – View Map
Selecting a auto insurance agent shouldn’t rely on just the premium amount. Below are some questions you should ask.
- When do they do policy reviews?
- Does the company have a solid financial rating?
- Do they see any coverage gaps in your plan?
- Can you choose the body shop in case repairs are needed?
- Can you get a list of referrals?
You Can Change Your Insurance Prices
Smart consumers have a good feel for the different types of things that come into play when calculating your car insurance rates. When you understand what impacts premium levels, this enables you to make decisions that can help you get much lower annual insurance costs.
- How much liability insurance – The liability coverage on your policy will provide protection if you are found to be at fault for physical damage or personal injury to other. It will provide legal defense to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so insureds should have plenty of protection for their assets.
- Never let your car insurance policy expire – Having a gap between insurance policy dates is a fast way to pay more for car insurance. Not only will you pay higher rates, not being able to provide proof of insurance may result in a steep fine or even jail time. You could then be forced to prove you have insurance by filing a SR-22 with the Indiana department of motor vehicles.
- Raise your deductibles for better premiums – Insurance for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Examples of covered claims would be a dented fender, damage from fire, and damage from a fallen tree branch. Comprehensive and collision coverage deductibles are the amount of money you are willing to pay before your car insurance pays a claim. The more of the claim the insured is willing to pay, the lower your rates will be.
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High premiums for younger drivers – Older drivers are more cautious drivers, statistically cause fewer accidents, and get fewer tickets. Youthful drivers are statistically shown to be more careless when driving so car insurance rates are higher.
The data below assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.
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Performance makes a difference – The type of car, truck or SUV you drive makes a significant difference in the rate you pay. Lower performance four cylinder passenger models receive the most favorable rates, but the cost you end up paying is determined by many additional factors.
The next chart assumes a single female driver age 40, full coverage with $250 deductibles, and no discounts or violations. It shows Kia Forte car insurance rates compared to other makes and models that have different performance rating factors.
- Keep policy claims to a minimum – Insurance companies in Indiana give cheaper rates to drivers who are not frequent claim filers. If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Your insurance policy is designed for more catastrophic claims.
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Insurance loss statistics a Kia Forte – Insurance companies study historical loss data when determining insurance costs. Vehicles that have higher frequency or amount of claims will have a higher cost to insure.
The table below demonstrates the insurance loss data used by companies for Kia Forte vehicles. For each policy coverage type, the loss probability for all vehicles as a whole is considered to be 100. Values under 100 mean the vehicle has better than average losses, while percentage numbers above 100 indicate higher probability of having a loss or a tendency for losses to be larger than average.
Insurance Loss Ratings for Kia Forte Vehicles Vehicle 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Car insurance in Indiana serves several purposes
Despite the high insurance cost for a Kia Forte in Fort Wayne, insurance serves several important purposes.
First, most states have mandatory liability insurance requirements which means you are required to carry a specific minimum amount of liability coverage in order to license the vehicle. In Indiana 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.
Second, if you have a loan on your Kia Forte, it’s most likely the lender will require that you have comprehensive coverage to guarantee payment of the loan. If the policy lapses, the bank will be required to insure your Kia for a lot more money and force you to reimburse them for the much more expensive policy.
Third, insurance protects not only your car but also your financial assets. It also can pay for medical bills that are the result of an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you cause an accident and are sued. If you have damage to your Kia as the result of the weather or an accident, collision and comprehensive coverages will cover the repair costs.
The benefits of buying car insurance definitely exceed the price paid, particularly if you ever have a claim. On average, a vehicle owner in Fort Wayne is wasting up to $830 a year so smart consumers compare quotes at least once a year to save money.
Best auto insurance in Fort Wayne
Buying coverage from the highest-rated insurer can be difficult considering how many different companies insure vehicles in Fort Wayne. The ranking data below could help you decide which companies you want to consider putting your business with.
Top 10 Fort Wayne Car Insurance Companies Ranked by Value
- USAA
- GEICO
- AAA Insurance
- Erie Insurance
- State Farm
- Liberty Mutual
- Safeco Insurance
- Allstate
- 21st Century
- Travelers
Top 10 Fort Wayne Car Insurance Companies Ranked by Customer Service
- Nationwide
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Travelers
- Liberty Mutual
- GEICO
- Erie Insurance
- Allstate
Persistent drivers can save
When searching for affordable Fort Wayne auto insurance quotes, never buy less coverage just to save a little money. There have been many cases where someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. Your objective should be to get the best coverage possible for the lowest cost, but do not sacrifice coverage to save money.
Cost effective Kia Forte insurance is possible on the web as well as from insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance providers may not provide online rate quotes and usually these regional insurance providers provide coverage only through independent insurance agencies.
In this article, we presented many ways to shop for Kia Forte insurance online. The key thing to remember is the more quotes you get, the better your comparison will be. You may even be surprised to find that the best price on auto insurance is with some of the smallest insurance companies.
Even more information is available in these articles:
- Side Impact Crash Tests (iihs.org)
- Who Has the Cheapest Fort Wayne Auto Insurance Rates for a Ford F-150? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Safe Drivers in Fort Wayne? (FAQ)
- Who Has Affordable Car Insurance for Felons in Fort Wayne? (FAQ)
- Who Has Affordable Car Insurance Rates for Business Use in Fort Wayne? (FAQ)
- Who Has Cheap Car Insurance for Ride Shares in Fort Wayne? (FAQ)
- Who Has Affordable Auto Insurance for a Subaru Forester in Fort Wayne? (FAQ)
- Who Has Cheap Auto Insurance for Drivers with Good Credit in Fort Wayne? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Drivers Over Age 60 in Fort Wayne? (FAQ)
- Young Drivers: The High Risk Years Video (iihs.org)
- Auto Theft Statistics (Insurance Information Institute)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)