Would you like to buy cheaper insurance rates in Atlanta, GA? Atlanta consumers have options when looking for the lowest priced Kia Forte insurance. You can either waste hours driving around to compare prices or leverage the internet to make rate comparisons.
There are both good and bad ways to buy insurance so you’re going to learn the absolute fastest way to get price quotes for a new or used Kia and get the cheapest rates either online or from Atlanta insurance agents.
It’s a good idea to get comparison quotes before your policy renews because insurance prices are variable and change quite frequently. Despite the fact that you may have had the best rate on Kia Forte insurance in Atlanta two years ago a different company probably has better premium rates today. You can find a lot of information about Forte insurance online but I’m going to show you some solid techniques on how to save money.
Compare quotes for Atlanta Kia Forte insurance
Getting a cheaper price on insurance is a great way to save money. Drivers just need to take time comparing rates to discover which company has affordable Atlanta auto insurance quotes.
The providers in the list below are ready to provide price quotes in Georgia. If multiple providers are shown, it’s a good idea that you click on several of them in order to find the most affordable rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $338 | $518 | $532 | $32 | $158 | $1,578 | $132 |
| Forte EX 4-Dr Sedan | $294 | $412 | $402 | $24 | $120 | $1,252 | $104 |
| Forte SX 4-Dr Sedan | $374 | $704 | $476 | $28 | $142 | $1,724 | $144 |
| Forte EX 2-Dr Coupe | $294 | $598 | $418 | $24 | $126 | $1,460 | $122 |
| Forte SX 2-Dr Coupe | $204 | $430 | $578 | $34 | $172 | $1,418 | $118 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Table data does not factor in Atlanta location which can decrease or increase prices noticeably.
Should you raise deductibles?
One common question asked by Atlanta drivers is how low should you set your deductibles. The premium rates below may help to illustrate the rate difference when you buy lower versus higher insurance deductibles. The first rate comparisons uses a $100 deductible 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 | $338 | $502 | $394 | $24 | $118 | $1,401 | $117 |
| Forte EX 4-Dr Sedan | $338 | $502 | $394 | $24 | $118 | $1,401 | $117 |
| Forte SX 4-Dr Sedan | $382 | $612 | $394 | $24 | $118 | $1,555 | $130 |
| Forte EX 2-Dr Coupe | $382 | $720 | $444 | $26 | $134 | $1,731 | $144 |
| Forte SX 2-Dr Coupe | $382 | $720 | $444 | $26 | $134 | $1,731 | $144 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $188 | $264 | $394 | $24 | $118 | $988 | $82 |
| Forte EX 4-Dr Sedan | $188 | $264 | $394 | $24 | $118 | $988 | $82 |
| Forte SX 4-Dr Sedan | $212 | $322 | $394 | $24 | $118 | $1,070 | $89 |
| Forte EX 2-Dr Coupe | $212 | $380 | $444 | $26 | $134 | $1,196 | $100 |
| Forte SX 2-Dr Coupe | $212 | $380 | $444 | $26 | $134 | $1,196 | $100 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Premium costs do not factor in specific location information which can revise coverage rates noticeably.
We can estimate from the data above that using a $100 deductible will cost in the ballpark of $39 more each month or $468 for a full year than requesting the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 23 months between claim filings, you would probably save some money if you choose the higher deductible.
An analysis of deductible level
The illustration below highlights how deductible selection and can impact Kia Forte insurance costs for each different age group. The data assumes a single male driver, full physical damage coverage, and no discounts are factored in.
Illustration showing the impact of accidents and violations
The chart below highlights how traffic violations and fender-benders can increase Kia Forte insurance premiums for each different age group. The premium estimates are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
Discounts for affordable auto insurance quotes
Auto insurance is neither fun to buy or cheap, but there could be available discounts that can dramatically reduce your bill. Some discounts apply automatically when you purchase, but occasionally some discounts must be inquired about before being credited.
- First Accident Forgiveness – Not necessarily a discount, but some companies like Progressive, Allstate, and GEICO permit an accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
- Homeowners Savings – Just being a homeowner may earn you a small savings because of the fact that having a home is proof that your finances are in order.
- Air Bags and Passive Restraints – Factory air bags or motorized seat belts may earn rate discounts up to 30%.
- Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
- E-sign – Many insurance companies may give you up to $50 for buying your policy on the internet.
- Low Mileage Discounts – Low mileage vehicles could qualify for cheaper premium rates.
- Discount for Life Insurance – Not all companies offer life insurance, but some may give you a discount if you purchase life insurance.
- Use Seat Belts – Forcing all vehicle occupants to use their safety belts may be able to save a few bucks on the medical payments or PIP coverage costs.
A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like it’s possible to get free car insurance, nobody gets a free ride.
Some of the insurance companies that may offer these benefits include:
Before you buy a policy, ask every insurance company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered on policies in your state. To see auto insurance companies with discount rates in Atlanta, click this link.
Insurance agent or online?
Many people just prefer to sit down and talk to an agent and that can be a great decision Licensed agents can help you build your policy and will help you if you have claims. The best thing about price shopping on the web is the fact that you can find the lowest rates and still have a local agent. Buying from and supporting local agencies is definitely important in Atlanta.
To help locate an agent, after submitting this quick form, the quote information is sent to participating agents in Atlanta who will give you bids for your coverage. There is no need to find an agent since price quotes are sent to your email. If you need to compare prices from a specific insurance company, you would need to go to their quote page and fill out their quote form.
When looking for a reputable agency, you need to know there are two different types of agents and how they differ in how they quote coverages. Car insurance agencies can be categorized as either exclusive or independent agents depending on their company appointments. Either can properly insure your vehicles, but it’s important to point out the difference between them because it can factor into buying decisions.
Independent Car Insurance Agencies
Agents in the independent channel are not limited to a single company so they can quote policies through many companies and find you the best rates. To move your coverage to a new company, they simply switch companies in-house and the insured can keep the same agent. If you are comparing rate quotes, you need to get some free quotes from independent agents in order to have the best price comparison. Many independent agencies also insure through smaller regional carriers that may provide cheaper car insurance rates.
Featured below are independent agents in Atlanta who may be able to give you free price quotes.
- Yates Insurance Agency
2800 Century Pkwy NE #300 – Atlanta, GA 30345 – (404) 633-4321 – View Map - PointeNorth Insurance Group
1100 Cir 75 Pkwy SE #140 – Atlanta, GA 30339 – (800) 634-2903 – View Map - Cascade Heights Insurance Agency
833 Cascade Ave SW e – Atlanta, GA 30311 – (404) 758-7811 – View Map
Exclusive Car Insurance Agents
These type of agents can only quote rates from one company like Allstate, State Farm and Farmers Insurance. They generally cannot provide prices from multiple companies so you need to shop around if the rates are high. Exclusive insurance agents are usually quite knowledgeable on the products they sell which helps them compete with independent agents. Some insured continue to choose to use an exclusive agent mostly because of the brand legacy rather than having low rates.
Below are exclusive agencies in Atlanta that can give you comparison quotes.
- State Farm: Dave Simpson Jr
2240 Fairburn Rd SW – Atlanta, GA 30331 – (404) 344-9777 – View Map - Kaitlin Ponce – State Farm Insurance Agent
2285 Peachtree Rd #204 – Atlanta, GA 30309 – (404) 390-1190 – View Map - Farmers Insurance – Jannette Boykin
674 North Highland Avenue Northeast b – Atlanta, GA 30306 – (678) 904-6621 – View Map
Choosing an auto insurance agent requires more thought than just a cheap price quote. These are some questions your agent should answer.
- Do they regularly work with personal auto policies in Atlanta?
- How long has their agency been open in Atlanta?
- Which insurance company do they prefer to write with?
- Can you get a list of referrals?
- Will their companies depreciate repairs to your car based on the mileage?
- How often do they review policy coverages?
- Do you qualify for any additional discounts?
- Is there a Errors and Omissions policy in force?
Informed Drivers Can Reduce Insurance Rates
The best way to find cheaper car insurance is to take a look at the factors that help determine car insurance rates. When you know what positively or negatively influences your rates, this enables you to make decisions that could help you find better car insurance rates.
The factors shown below are some of the major factors companies use to determine your rates.
- Youthful drivers pay higher prices – More mature drivers are more cautious drivers, file fewer claims, and tend to be get fewer driving tickets.Drivers with little experience are proven to get distracted easily when at the wheel of a vehicle and because of this, their car insurance rates are much higher.
- Rate your vehicle for proper use – The more you drive in a year’s time the more it will cost to insure it. The majority of insurers charge rates based upon how much you drive. Cars and trucks that sit idle most of the time get more affordable rates than cars that get driven a lot. An incorrectly rated Forte can cost quite a bit. Verify your car insurance policy properly reflects the correct usage for each vehicle, because it can save money.
- Small coverages can add up – There are a lot of additional coverages that you can get tricked into buying on your Forte policy. Coverage for things like roadside assistance, high-cost glass coverage, and term life insurance may be wasting your money. They may seem like a good idea when talking to your agent, but if you don’t need them think about removing them and cutting costs.
- Having a spouse equates to better rates – Having a significant other actually saves money when buying car insurance. Having a significant other translates into being less irresponsible and it’s statistically proven that married couples file fewer claims.
- Kia Forte claim probability – Car insurance companies analyze the history of losses to calculate a rate that will offset any claims. Models that the data determines to have higher frequency or amount of claims will cost more for specific coverages. The table below shows the historical loss data for Kia Forte vehicles.
For each coverage type, the claim amount for all vehicles averaged together is equal to 100. Numbers shown that are under 100 suggest a better than average loss history, while numbers shown that are more than 100 indicate more frequent claims or an increased likelihood of larger losses.
Kia Forte Insurance Loss Statistics
Make and 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
Statistics from IIHS.org for 2013-2015 Model Years
Choosing Kia Forte insurance is an important decision
Despite the high cost of buying insurance for a Kia Forte in Atlanta, insurance is not optional due to several reasons.
- Just about all states have mandatory insurance requirements which means you are required to buy a specific level of liability protection in order to be legal. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Forte has a loan, almost all lenders will require you to buy full coverage to ensure loan repayment if the vehicle is totalled. If the policy lapses, the bank or lender will purchase a policy for your Kia at a much higher rate and require you to fork over the higher premium.
- Insurance safeguards your Kia and your assets. It will also provide coverage for hospital and medical expenses for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, also covers legal expenses if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your insurance policy will pay to restore your vehicle to like-new condition.
The benefits of insuring your Forte greatly outweigh the cost, especially if you ever need it. An average driver in America is wasting up to $865 each year so it’s recommended you shop around each time the policy renews to ensure rates are competitive.
Affordable insurance premiums are out there
We’ve covered many ideas to reduce Kia Forte insurance rates online in Atlanta. It’s most important to understand that the more rate quotes you have, the higher your chance of finding cheaper Atlanta auto insurance quotes. You may even find the best price on insurance is with some of the smallest insurance companies.
Consumers leave their current company for many reasons like poor customer service, being labeled a high risk driver, denial of a claim or extreme rates for teen drivers. Whatever your reason, finding the right insurance provider is easier than you think.
When getting Atlanta auto insurance quotes online, it’s a bad idea to buy less coverage just to save a little money. There have been many cases where someone dropped liability coverage limits only to regret at claim time that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.
More tips and info about insurance is available in the articles below:
- Speed and Speed Limit FAQ (iihs.org)
- Who Has the Cheapest Atlanta Auto Insurance for Real Estate Agents? (FAQ)
- Who Has Cheap Car Insurance Quotes for High School Students in Atlanta? (FAQ)
- What Auto Insurance is Cheapest for Low Credit Scores in Atlanta? (FAQ)
- Who Has Cheap Auto Insurance for Infrequent Drivers in Atlanta? (FAQ)
- Prom Night Tips for Teen Drivers (State Farm)
- Auto Insurance FAQ (Farmers Insurance)
- Choosing a Car for Your Teen (State Farm)
- Auto Theft Statistics (Insurance Information Institute)