Want the cheapest Kia Forte insurance in Colorado Springs? Scraping up a payment for pricey Kia Forte insurance in Colorado Springs can bleed your funds and force you to prioritize other expenses. Comparing cost estimates can help to ensure you are getting the best deal.

Insurance for Kia ForteA study showed that a large majority of consumers have been with the same company for a minimum of four years, and approximately 38% of consumers have never even compared rates from other companies. American consumers could cut their rates by roughly 46.5% a year just by getting comparison quotes, but they just feel it's too hard to find cheap auto insurance rates. Many car insurance companies compete for your insurance dollar, and because of this it can be hard to compare auto insurance companies to find the lowest price on Kia Forte insurance in Colorado Springs.

If you already have coverage or need new coverage, you will benefit by learning to find the best rates without having to cut coverage. Finding the cheapest auto insurance coverage in Colorado Springs is not rocket science. Smart shoppers only have to learn the most time-saving way to get comparison rates online.

Many insurance companies like State Farm and Allstate allow you to get insurance quotes on their websites. Getting quotes for Kia Forte insurance in Colorado Springs is very simple because it's just a matter of typing in the amount of coverage you want into a form. After you submit the form the quote system pulls your credit score and driving record and quotes a price. Being able to quote online for Kia Forte insurance in Colorado Springs simplifies rate comparisons, and it is imperative to compare as many rates as possible in order to get the best insurance rates.

If you want to compare pricing, compare rates now from the companies shown below. To compare your current rates, we recommend you replicate the coverage information identical to your current policy. This guarantees you will be getting rate quotes for similar coverage.

The following companies are ready to provide free rate quotes in Colorado Springs, CO. If more than one company is shown, we suggest you compare several of them in order to get a fair rate comparison.

Kia Forte Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $260 $440 $396 $24 $118 $1,238 $103
Forte EX 4-Dr Sedan $234 $368 $368 $22 $110 $1,102 $92
Forte SX 4-Dr Sedan $300 $526 $426 $26 $128 $1,406 $117
Forte EX 2-Dr Coupe $216 $340 $520 $30 $156 $1,262 $105
Forte SX 2-Dr Coupe $242 $426 $404 $24 $122 $1,218 $102
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Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Premium costs do not factor in Colorado Springs location which can revise prices considerably.

Rate comparison of full coverage and liability-only

The diagram below shows the comparison of Kia Forte insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no tickets, no at-fault accidents, $1,000 deductibles, single female driver, and no discounts are applied to the premium.

Should you pay for full coverage or liability only?

There is no set rule of when to eliminate physical damage coverage, but there is a guideline you can consider. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let's pretend your Kia Forte replacement cost is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $4,000 after the deductible is paid. If you are paying over $400 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some circumstances where only buying liability is not a good idea. If you haven't paid off your loan, you are required to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should not drop full coverage.

Auto insurance rates based on gender in Colorado Springs

The diagram below illustrates the comparison of Kia Forte car insurance rates for male and female drivers. The prices are based on no claims or driving violations, full coverage, $250 deductibles, drivers are single, and no discounts are applied to the premium.

Choosing deductibles

One of the most common auto insurance questions is where should you set your physical damage deductibles. The premium rates below summarize the differences in price when you select higher and lower physical damage deductibles. The first rate table uses a $250 deductible for physical damage and the second rate table uses a $500 deductible.

Kia Forte insurance prices 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 prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $220 $304 $352 $20 $106 $1,002 $84
Forte EX 4-Dr Sedan $220 $304 $352 $20 $106 $1,002 $84
Forte SX 4-Dr Sedan $250 $368 $352 $20 $106 $1,096 $91
Forte EX 2-Dr Coupe $250 $434 $396 $24 $118 $1,222 $102
Forte SX 2-Dr Coupe $250 $434 $396 $24 $118 $1,222 $102
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Price estimates do not factor in vehicle location which can alter premiums significantly.

Based on this data, using a $250 deductible costs approximately $13 more each month or $156 every year than quoting the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at least 19 months between claim filings, you would probably come out ahead by selecting a higher deductible.

Insurance does more than just repair your car

Despite the potentially high cost of Kia Forte insurance, buying insurance is not optional due to several reasons.

First, the majority of states have mandatory insurance requirements which means you are required to carry a minimum amount of liability coverage in order to get the vehicle licensed. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.

Second, if your Forte has a loan, most lenders will force you to have full coverage to protect their interest in the vehicle. If you let the policy lapse, the bank may insure your Kia at a more expensive rate and force you to pay a much higher amount than you were paying before.

Third, insurance safeguards not only your Kia Forte but also your financial assets. Insurance will pay for hospital and medical expenses that are the result of an accident. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to have it repaired.

The benefits of carrying adequate insurance more than offset the price you pay, especially if you ever need it. As of last year, the average driver in Colorado is overpaying more than $800 each year so you should quote and compare rates at every renewal to save money.

Save a ton on Kia Forte insurance in Colorado Springs with these discounts

Insurance can be prohibitively expensive, but there could be significant discounts that can help lower your rates. Most are applied when you get a quote, but a few must be specifically requested prior to getting the savings.Insurance discounts

One thing to note about discounts is that most discounts do not apply to the entire policy premium. A few only apply to individual premiums such as comprehensive or collision. So even though they make it sound like it's possible to get free car insurance, you're out of luck.

Some of the larger companies who might offer some of the above discounts include:

If you are trying to find affordable Kia Forte insurance quotes, ask every company what discounts are available to you. All car insurance discounts might not be available to policyholders everywhere.

Local Colorado Springs car insurance agents and insurance

Certain consumers just prefer to go talk to an agent and that is not a bad decision Experienced insurance agents are very good at helping people manage risk and help file insurance claims. The biggest benefit of getting free rate quotes online is you may find cheap insurance rates and also buy local.

Insurance agency in Colorado SpringsAfter completing this short form, your insurance data is transmitted to participating agents in Colorado Springs who will give you quotes for your insurance coverage. It makes it easy because there is no need to do any legwork due to the fact that quote results will go immediately to your email address. If for some reason you want to quote rates from one company in particular, don't hesitate to search and find their rate quote page and give them your coverage information.

Choosing an company needs to be determined by more than just a cheap quote. Here are some questions to ask:

If you want local Colorado Springs agents, you should know the different agency structures and how they differ in how they can insure your vehicles. Insurance agencies in Colorado Springs are categorized either exclusive or independent. Both do a good job, but we need to point out why they differ since it can affect your selection of an agent.

Exclusive Insurance Agents

These agents are contracted to one company and examples are State Farm, Allstate, or Farmers Insurance. These agents are not able to compare other company's rates so always compare other rates. Exclusive insurance agents are usually well trained in insurance sales and that enables them to sell even at higher rates.

Listed below is a list of exclusive insurance agencies in Colorado Springs who can help you get price quotes.


1923 W Colorado Ave - Colorado Springs, CO 80904 - (719) 578-1111 - View Map


11550 Ridgeline Dr #118 - Colorado Springs, CO 80921 - (719) 599-8200 - View Map


540 W Garden of the Gods Rd - Colorado Springs, CO 80907 - (719) 599-9044 - View Map

More Colorado Springs agents

Independent Insurance Agencies

Independent insurance agents can sell policies from many different companies so they can insure your vehicles through many companies enabling the ability to shop coverage around. If you want to switch companies, they simply move your policy to a different company and that require little work on your part.

When comparing insurance rates, it's a good idea to get several quotes from several independent insurance agents to maximize your price options.

The following is a short list of independent insurance agencies in Colorado Springs willing to provide comparison quotes.


6455 N Union Blvd #104 - Colorado Springs, CO 80918 - (303) 974-7676 - View Map


2525 W Pikes Peak Ave # C - Colorado Springs, CO 80904 - (719) 635-9720 - View Map


4390 Academy Blvd N - Colorado Springs, CO 80918 - (719) 329-4441 - View Map

More Colorado Springs agents

Be persistent and save

We just presented many ways to lower your Kia Forte insurance rates in Colorado Springs. It's most important to understand that the more times you quote, the higher the chance of saving money. Drivers may even discover the most savings is with the smaller companies. Some small companies often have lower car insurance rates on specific markets than the large multi-state companies such as Progressive or GEICO.

Cheap Kia Forte insurance in Colorado Springs is possible both online in addition to local insurance agencies, and you should compare rates from both to have the best selection. Some insurance companies do not offer the ability to get quotes online and most of the time these smaller providers provide coverage only through independent agencies.

Additional detailed information is available in these articles: