Discount Kia Forte insuranceNo sane person is fond of buying auto insurance, in particular when they are paying too much.

A recent auto insurance study discovered that over 70% of consumers kept buying from the same company for a minimum of four years, and 38% of customers have never even compared rates from other companies. With the average premium in Colorado being $1,800, drivers could save as much as $600 every year, but they won't spend time to compare other rate quotes. Insurance companies such as Allstate, Liberty Mutual and State Farm all claim big savings with advertising and consumers find it hard to avoid their marketing magic and effectively compare rates to find the best deal.

If you have a current car insurance policy or just want to save money, use these money-saving tips to get lower rates without sacrificing coverage. Locating the most cost-effective car insurance policy in Aurora is not that difficult. Shoppers just need to know how to compare insurance rates online.

Finding a better price on car insurance is pretty simple and can save money. Just invest a few minutes comparing free Aurora car insurance quotes from some recommended companies.

Getting free quotes online is quite simple, and it makes it a waste of time to spend your day driving to and from local Aurora insurance agencies. The ability to get quotes online eliminates this option unless your situation requires the professional advice of a licensed agent. Drivers can find lower rates online and still use a local agent.

The companies shown below can provide free quotes in Aurora, CO. If multiple companies are shown, we suggest you compare several of them in order to find the most competitive rates.

Kia Forte Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $212 $342 $456 $28 $136 $1,174 $98
Forte EX 4-Dr Sedan $264 $368 $358 $22 $108 $1,120 $93
Forte SX 4-Dr Sedan $350 $458 $460 $28 $138 $1,434 $120
Forte EX 2-Dr Coupe $226 $400 $408 $24 $122 $1,180 $98
Forte SX 2-Dr Coupe $300 $620 $480 $28 $144 $1,572 $131
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Premium costs do not factor in specific location which can affect rates noticeably.

Male drivers versus female drivers

The chart below compares Kia Forte auto insurance rates for male and female drivers. The data is based on no claims or driving violations, comp and collision included, $100 deductibles, single marital status, and no discounts are applied to the premium.

Drive responsibly or pay higher rates

The chart below shows how speeding tickets and accident claims can affect Kia Forte insurance prices for different age groups of insureds. The rates are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.

Raise deductibles and save

A question often asked by Aurora drivers is which deductible level should you buy. The comparisons below help summarize the rate fluctuation when you buy lower versus higher physical damage coverage deductibles. The first pricing table uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $1,000 deductible.

Kia Forte insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $272 $376 $352 $20 $106 $1,151 $96
Forte EX 4-Dr Sedan $272 $376 $352 $20 $106 $1,151 $96
Forte SX 4-Dr Sedan $306 $458 $352 $20 $106 $1,267 $106
Forte EX 2-Dr Coupe $306 $538 $396 $24 $118 $1,407 $117
Forte SX 2-Dr Coupe $306 $538 $396 $24 $118 $1,407 $117
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Kia Forte insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $168 $236 $352 $20 $106 $882 $74
Forte EX 4-Dr Sedan $168 $236 $352 $20 $106 $882 $74
Forte SX 4-Dr Sedan $190 $288 $352 $20 $106 $956 $80
Forte EX 2-Dr Coupe $190 $340 $396 $24 $118 $1,068 $89
Forte SX 2-Dr Coupe $190 $340 $396 $24 $118 $1,068 $89
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in specific location information which can increase or decrease prices noticeably.

Based on this data, using a $250 deductible costs about $25 more each month or $300 for a full year than buying the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 30 months between claims, you would probably come out ahead by selecting a higher deductible. Below is an example of how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $106
Average monthly premium for $1,000 deductibles (subtract): - $81
Monthly savings from raising deductible: $25
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 30 months

One big caveat is that a higher deductible results in a higher out-of-pocket expense when you have a physical damage claim. You must have some extra savings in the event you need to pay more to get your vehicle repaired.

Aurora insurance discounts for a Kia Forte

Insurance can be pricey, but you may find discounts that many consumers don't even know exist. A few discounts will be applied when you complete an application, but a few must be specifically requested before they will apply.Insurance discounts

One thing to note about discounts is that most credits do not apply to the whole policy. Most only cut the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like having all the discounts means you get insurance for free, nobody gets a free ride.

If you would like to choose from a list of providers who offer free Kia Forte insurance quotes in Aurora, click this link.

Informed Drivers Save More

When buying insurance it's important to understand some of the elements that help calculate insurance rates. If you know what positively or negatively impacts your premiums, this enables informed choices that could result in much lower annual insurance costs.

The factors shown below are some of the major factors insurance companies consider when setting rates.

Safer vehicles mean better rates - Safe vehicles tend to be cheaper to insure. Highly rated vehicles reduce the chance of injuries and lower injury rates means less money paid by your insurance company passed on to you as lower rates.

Your location is important - Residing in areas with lower population has it's advantages when insuring your vehicles. Residents of big cities have to deal with congested traffic and longer commute times. Fewer drivers means reduced accidents as well as less vandalism and auto theft.

Don't skimp on liability - Your insurance policy's liability coverage kicks in when you are responsible for damages caused by your negligence. It provides legal defense which can cost a lot. This coverage is relatively inexpensive compared to physical damage coverage, so do not skimp.

Demanding vocation may mean higher premiums - Jobs such as military generals, police officers, and miners tend to have higher rates than the rest of us because of intense work-related stress and lengthy work days. Other jobs such as actors, students and performers pay the least.

More performance means more cost - The performance level of the vehicle you drive makes a big difference in your auto insurance rates. Because the Kia Forte is classified as a passenger car, rates will be similar in price or lower as compared to the average rate in Aurora. Low performance passenger cars generally receive the lowest base rates, but the final cost of insurance is determined by many other factors.

Kia Forte insurance loss probability - Companies use past loss statistics for each vehicle when setting rates for each model. Models that the data determines to have higher claim frequency or loss amount will have increased rates. The table below illustrates the compiled insurance loss statistics for Kia Forte vehicles.

For each type of coverage, the statistical loss for all vehicles, without regard to make or model, is considered to be 100. Percentage numbers below 100 suggest losses that are better than average, while percentage values above 100 indicate frequent claims or statistically larger losses.

Insurance Loss Ratings for Kia Forte Vehicles

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 buy from a local Aurora insurance agency

Some consumers would rather visit with an insurance agent and that is just fine! Good insurance agents can answer important questions and help file insurance claims. The biggest benefit of comparing rate quotes online is you can get the lowest rates and still have an agent to talk to.

Upon completion of this form (opens in new window), your insurance coverage information is immediately sent to participating agents in Aurora that give free quotes for your business. You won't need to leave your computer since price quotes are sent instantly to you. If you want to compare prices for a specific company, you can always find their quoting web page to submit a rate quote request.

Finding the right provider should depend on more than just a cheap price. Here are some questions you might want to ask.

If you want to use a local Aurora insurance agent, you must know there are a couple different types of agencies and how they differ in how they quote coverages. Aurora agents are considered either exclusive or independent. Both types can do a good job, but it is important to understand the difference in the companies they write for because it can impact which type of agent you select.

Exclusive Agencies

Agents in the exclusive channel can only place business with one company like Allstate and State Farm. They usually cannot provide prices from multiple companies so they are skilled at selling on more than just price. These agents are well trained on what they offer and that allows them to sell at a higher price point.

The following is a short list of exclusive insurance agencies in Aurora that can give you rate quotes.

13743 E Mississippi Ave #100 - Aurora, CO 80012 - (303) 363-1757 - View Map

2260 S Xanadu Way Ste 257 - Aurora, CO 80014 - (303) 750-6508 - View Map

1627 S Havana St e - Aurora, CO 80012 - (303) 360-9831 - View Map

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Independent Agents

Agents in the independent channel do not have single company limitations so they have the ability to put coverage through many different insurance companies depending on which coverage is best. If they find a lower price, your agent can just switch to a different company and you don't have to find a new agent. When searching for an agent, you definitely need to check rates from at a minimum one independent agency in order to have the best price comparison.

Below are Aurora independent insurance agencies who can help you get rate quotes.

Focus Insurance Agency
2993 S Peoria St #144 - Aurora, CO 80014 - (303) 695-6220 - View Map

2600 S Parker Rd # 263 - Aurora, CO 80014 - (303) 309-6200 - View Map

2228 S Fraser St #2 - Aurora, CO 80014 - (303) 693-9343 - View Map

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Insurance is unique, just like you

When it comes to choosing insurance from an agent or online for your personal vehicles, there really isn't a one size fits all plan. Every situation is different.Higher deductibles save money

For instance, these questions might help in determining whether you might need an agent's assistance.

If you're not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you don't have a local agent, take a second and complete this form. It's fast, doesn't cost anything and can provide invaluable advice.

Insurance myths debunked

Consumers in Colorado can't get away from ads that claim the lowest car insurance rates from companies such as Progressive, GEICO, Allstate and State Farm. All the companies tend to make the same promise of big savings just by moving your policy.

How is it possible that every company can make almost identical claims? It's all in the numbers.

Different companies quote their cheapest rates for the driver that will not have excessive claims. One example of this type of risk profile might have to be between the ages of 40 and 55, has a clean driving record, and the vehicle is rated for pleasure use. Any person who meets those qualifications will get low rates and is almost guaranteed to save quite a bit of money when switching.

Insureds who may not quite match those standards will have to pay higher premiums with the end result being the customer buying from a different company. The ad wording is "customers who switch" but not "all drivers who get quotes" will save that much if they switch. That is how insurance companies can confidently make claims that they all have the best car insurance rates. This illustrates why you should get a wide range of price quotes. Because without a comparison, you cannot know the company that will give you lower rates than your current company.

More effort can pay off

When buying insurance coverage, you should never reduce needed coverages to save money. There are many occasions where an insured dropped collision coverage only to regret they didn't have enough coverage. The aim is to buy the best coverage you can find at the lowest possible cost.

We just covered quite a bit of information on how to reduce Kia Forte insurance car insurance rates online in Aurora. The key thing to remember is the more rate quotes you have, the higher your chance of finding cheaper Aurora car insurance quotes. You may even be surprised to find that the biggest savings come from a small local company.

Drivers switch companies for any number of reasons including extreme rates for teen drivers, denial of a claim, an unsatisfactory settlement offer and even being labeled a high risk driver. Whatever your reason, finding the right insurance provider can be less work than you think.

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