Locating better insurance prices for a Kia Forte in Missouri can normally be an all-consuming task, but you can learn our auto insurance buying tips to save time.
There are both good and bad ways to find auto insurance online so you’re going to learn the quickest way to get price quotes for your Kia and obtain the lowest possible price either online or from Kansas City insurance agents.
It’s a good idea to price shop coverage every six months because prices are constantly changing. If you had the best deal on Kia Forte insurance in Kansas City a couple years back a different company probably has better rates today. Forget all the misinformation about auto insurance because you’re about to find out one of the quickest ways to eliminate unnecessary coverages and save money on Kia Forte insurance in Kansas City.
The quickest method we recommend to compare policy rates for Kia Forte insurance in Kansas City utilizes the fact most insurance companies pay for the opportunity to give free rates quotes. The only thing you need to do is provide the companies a bit of rating information like if you have an active license, whether you are single or married, your occupation, and the type of vehicles you drive. The data is automatically sent to insurance companies and they return quotes immediately.
To get price quotes for your Kia Forte now, click here and enter the information requested.
The companies shown below provide price quotes in Missouri. If your goal is to find cheaper auto insurance in Kansas City, MO, it’s highly recommended you compare several of them to find the most competitive auto insurance rates.
Kia Forte detailed coverage information
The rate information below covers different policy rates for Kia Forte models. Being able to understand how insurance rates are established is important for drivers to make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $220 | $384 | $346 | $20 | $104 | $1,074 | $90 |
| Forte EX 4-Dr Sedan | $220 | $384 | $346 | $20 | $104 | $1,074 | $90 |
| Forte SX 4-Dr Sedan | $248 | $468 | $346 | $20 | $104 | $1,186 | $99 |
| Forte EX 2-Dr Coupe | $248 | $552 | $392 | $24 | $118 | $1,334 | $111 |
| Forte SX 2-Dr Coupe | $248 | $552 | $392 | $24 | $118 | $1,334 | $111 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Prices do not factor in your specific Kansas City location which can decrease or increase premiums considerably.
Policy deductible comparison
When shopping for car insurance, a common question is how high should your deductibles be. The following tables may aid in understanding the price difference of buying low and high physical damage coverage deductibles. The first table uses a $250 deductible for comp and collision and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $206 | $286 | $266 | $16 | $80 | $879 | $73 |
| Forte EX 4-Dr Sedan | $206 | $286 | $266 | $16 | $80 | $879 | $73 |
| Forte SX 4-Dr Sedan | $232 | $346 | $266 | $16 | $80 | $965 | $80 |
| Forte EX 2-Dr Coupe | $232 | $408 | $302 | $18 | $90 | $1,075 | $90 |
| Forte SX 2-Dr Coupe | $232 | $408 | $302 | $18 | $90 | $1,075 | $90 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $128 | $180 | $266 | $16 | $80 | $670 | $56 |
| Forte EX 4-Dr Sedan | $128 | $180 | $266 | $16 | $80 | $670 | $56 |
| Forte SX 4-Dr Sedan | $144 | $218 | $266 | $16 | $80 | $724 | $60 |
| Forte EX 2-Dr Coupe | $144 | $258 | $302 | $18 | $90 | $812 | $68 |
| Forte SX 2-Dr Coupe | $144 | $258 | $302 | $18 | $90 | $812 | $68 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rates do not factor in Kansas City location which can impact premium rates greatly.
Based on the data above, we can derive that using a $250 deductible would cost the average driver about $19 more each month or $228 each year than selecting the higher $1,000 deductible. Because you would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 39 months between claim filings, you would most likely save money if you elect the higher deductible.
How to determine if raising deductibles makes sense
| Average monthly premium for $250 deductibles: | $81 |
| Average monthly premium for $1,000 deductibles (subtract): | – $62 |
| Monthly savings from raising deductible: | $19 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $19 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 39 months |
An important thing to remember is that a higher deductible means you will have to pay more when you file a claim. You will want to have enough savings in order to pay more to get your vehicle repaired.
The information below shows how choosing a deductible and can increase or decrease Kia Forte yearly insurance costs for different ages of insureds. The price estimates are based on a married female driver, full coverage, and no discounts are taken into consideration.
Impact of speeding/accidents on Kansas City car insurance rates
The chart below shows how violations and accidents drive up Kia Forte insurance costs for each different age group. The information is based on a single female driver, comp and collision included, $250 deductibles, and no other discounts are factored in.
Affordable rates on Kia Forte insurance in Kansas City with these discounts
Car insurance is not cheap, but there may be some discounts that can help lower your rates. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be requested specifically before being credited.
- Sign Early and Save – Some companies give discounts for switching to them before your current Forte insurance policy expires. You may see this discount when you get Kansas City car insurance quotes online.
- Telematics Discount – Drivers who elect to allow driving data collection to scrutinize driving manner by using a telematics device like Drivewise from Allstate or In-Drive from State Farm might see lower rates as long as the data is positive.
- Student Driver Training – Reduce the cost of insurance for teen drivers by having them complete a driver education course in high school.
- Organization Discounts – Belonging to certain professional organizations can get you a small discount on car insurance.
- Discount for Low Mileage – Maintaining low annual mileage may enable drivers to earn lower car insurance rates on the low mileage vehicles.
- Discounts for Responsible Drivers – Drivers who don’t get into accidents can save as much as half off their rates than drivers with accident claims.
- Distant College Student Discount – College-age children who live away from home to go to college and leave their car at home may be insured at a cheaper rate.
- Driver Safety – Taking a defensive driving class is a good idea and can lower rates if you qualify.
- New Car Discount – Buying insurance on a new vehicle can get you a discount due to better safety requirements for new model year vehicles.
It’s important to understand that most discount credits are not given to all coverage premiums. The majority will only reduce specific coverage prices like comprehensive or collision. So even though you would think you could get a free car insurance policy, insurance companies wouldn’t stay in business. But all discounts will positively reduce your overall bill.
The information below illustrates the difference between Kia Forte car insurance rates with and without discounts. The premiums assume a female driver, no claims or violations, Missouri state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-car, claim-free, safe-driver, and multi-policy discounts applied.
The best car insurance companies and some of their more popular discounts are detailed below.
- State Farm may offer discounts for passive restraint, good driver, anti-theft, Drive Safe & Save, defensive driving training, accident-free, and multiple autos.
- GEICO offers premium reductions for military active duty, air bags, daytime running lights, anti-lock brakes, multi-vehicle, anti-theft, and five-year accident-free.
- Liberty Mutual includes discounts for teen driver discount, multi-car, preferred payment discount, exclusive group savings, new vehicle discount, multi-policy, and good student.
- The Hartford discounts include air bag, driver training, anti-theft, good student, bundle, and defensive driver.
- MetLife policyholders can earn discounts including multi-policy, claim-free, good student, good driver, and accident-free.
- Progressive offers discounts including continuous coverage, multi-policy, online signing, good student, and online quote discount.
If you are trying to find inexpensive Kansas City car insurance quotes, ask each insurance company to apply every possible discount. Savings might not apply in Kansas City. If you would like to view insurers that offer some of these discounts in Missouri, click this link.
It may be expensive, but it’s not optional
Even though it can be expensive, insurance is required by state law in Missouri and it also provides benefits you may not be aware of.
- The majority of states have compulsory liability insurance requirements which means you are required to carry a specific level of liability coverage in order to drive the car legally. In Missouri 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.
- If your vehicle has a lienholder, most lenders will have a requirement that you have full coverage to ensure loan repayment if the vehicle is totaled. If the policy lapses, the bank or lender will purchase a policy for your Kia at an extremely high rate and require you to reimburse them much more than you were paying before.
- Car insurance preserves both your vehicle and your assets. It will also provide coverage for medical bills that are the result of an accident. As part of your policy, liability insurance also pays expenses related to your legal defense in the event you are sued. If you have damage to your Kia as the result of the weather or an accident, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of buying car insurance are without a doubt worth the cost, specifically if you ever have a liability claim. According to a recent study, the average American driver is overpaying more than $800 each year so you should quote and compare rates at every renewal to make sure the price is not too high.
Which policy gives me the best coverage?
Always keep in mind that when comparing the best car insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique and your policy should reflect that.
For example, these questions may help highlight if your situation will benefit from professional help.
- What is the ISO rating for a Kia Forte?
- Are split liability limits better than a combined single limit?
- Should I buy only the required Missouri minimum liability coverage?
- If I use my vehicle for business use is it covered?
- Does low annual mileage earn a discount?
- Am I covered if I break a side mirror?
- Is my custom stereo system covered?
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.
Insurance agents can help
Many people still prefer to talk to a local agent and that is recommended in a lot of cases Good agents can help determine the best coverages and help file insurance claims. The best thing about comparing rate quotes online is that you can obtain cheap insurance rates but also keep your business local. And supporting local insurance agents is important particularly in Kansas City.
By using this simple form, your coverage information is emailed to agents in your area who will give you quotes for your business. You won’t need to visit any agencies due to the fact that quote results will go to you. If you have a need to get a price quote from one company in particular, you would need to jump over to their website and submit a quote form there.
Different types of Kansas City car insurance agents
If you want to use a reputable agency, it helps to know the two different types of agencies and how they operate. Insurance agents are categorized either exclusive or independent agents depending on their company appointments. Both types can write insurance policies, but it is important to understand the difference in the companies they write for because it can factor into the kind of agent you use.
Independent Insurance Agents (or Brokers)
These agents are normally appointed by many insurers so they can quote policies with a variety of different insurance companies and find you the best rates. If they quote lower rates, they can switch companies in-house and you can keep the same agent.
If you are comparing rate quotes, you need to compare quotes from at least one independent agent in order to have the best price comparison. Most also have access to smaller regional carriers that may provide cheaper insurance rates.
Below is a partial list of independent agents in Kansas City that can possibly get you free insurance rate quotes.
- Beverly Baker Insurance Agency Inc.
8708 N Oak Trafficway – Kansas City, MO 64155 – (816) 452-8600 – View Map - ABBA Insurance, LLC
315 E 18th Ave – Kansas City, MO 64116 – (816) 454-8833 – View Map - Daniel Crawford Insurance Agency
1201 NW Briarcliff Pkwy #345 – Kansas City, MO 64116 – (816) 390-4790 – View Map
Exclusive Agents
These type of agents can only provide one company’s prices such as Farmers Insurance, State Farm, or Allstate. These agents are unable to place coverage with different providers so you need to shop around if the rates are high. Exclusive agents receive extensive training on their company’s products which can be an advantage. Consumers sometimes use the same agent mostly because of loyalty to the company rather than low price.
Shown below are Kansas City exclusive agencies who can help you get comparison quotes.
- State Farm: Mike Parisi
416 Armour Rd – North Kansas City, MO 64116 – (816) 221-3840 – View Map - American Family Insurance – Keith Powell Agency Inc.
21 Linwood Blvd – Kansas City, MO 64111 – (816) 753-0777 – View Map - David Denny – State Farm Insurance Agent
8600 Ward Pkwy #2070 – Kansas City, MO 64114 – (816) 363-3187 – View Map
Finding the right insurance agent should depend on more than just the quoted price. Any agent in Kansas City should be forthright in answering these questions:
- Can they give you a list of client referrals?
- Do the coverages you’re quoting properly cover your vehicle?
- Are they primarily personal or commercial lines agents in Kansas City?
- Who are their largest clients?
- Is the agency active in community causes in Kansas City?
- Does the agency have a positive business rating?