Shopping for discount El Paso Kia Forte insurance quotes on the web may seem to be intimidating for consumers new to shopping for insurance on the web. With such a large choice of online companies, how can consumers possibly compare every possible option in order to find the lowest price?
How to find cheaper quotes for Kia Forte insurance in El Paso
If saving money is your primary concern, then the best way to find cheaper prices for car insurance rates in El Paso is to make a habit of comparing prices annually from providers who sell auto insurance in Texas. Prices can be compared by following these steps.
- Take a few minutes and learn about what is in your policy and the things you can control to prevent rate increases. Many factors that cause rate increases like your driving record and an unacceptable credit history can be improved by making minor changes to your lifestyle.
- Request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agents can quote prices from multiple companies. View companies
- Compare the new rates to your current policy and determine if there is any savings. If you find a lower rate and change companies, verify that coverage does not lapse between policies.
The most important part of shopping around is to make sure you enter identical deductibles and limits on every quote and and to get prices from every insurance company. This helps ensure a fair price comparison and the best price selection.
It’s a known fact that auto insurance companies don’t want policyholders to compare prices from other companies. Consumers who shop around for a cheaper policy are highly likely to switch to a new company because of the good chance of finding good coverage at a lower price. A study showed that drivers who compared prices regularly saved an average of $860 a year as compared to drivers who never shopped around.
If finding the cheapest price for insurance is why you’re reading this, then having some insight into how to find companies and compare insurance coverage can help simplify the process.
It’s a good idea to take a look at other company’s rates before your next renewal because rates are constantly changing. If you had the best deal on Kia Forte insurance in El Paso on your last policy you will most likely find a better price today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the only way to reduce your cost while improving coverage.
The fastest way that we advise to compare car insurance rates for Kia Forte insurance in El Paso is to realize almost all companies will pay a fee to quote your coverage. To start a quote, the only thing you need to do is give them some information like if you lease or own, how your vehicles are used, an estimate of your credit level, and your occupation. That rating data is automatically sent to multiple top-rated companies and they return quotes almost instantly.
To start a rate quote now, click here then complete the form.
The companies in the list below are ready to provide quotes in Texas. If multiple companies are listed, we suggest you compare several of them in order to find the most competitive rates.
Insurance coverage analysis
The information shown next outlines a range of coverage costs for Kia Forte models. Knowing how auto insurance prices are determined can be useful when making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $174 | $290 | $496 | $30 | $148 | $1,138 | $95 |
| Forte EX 4-Dr Sedan | $174 | $290 | $496 | $30 | $148 | $1,138 | $95 |
| Forte SX 4-Dr Sedan | $198 | $352 | $496 | $30 | $148 | $1,224 | $102 |
| Forte EX 2-Dr Coupe | $198 | $416 | $560 | $34 | $168 | $1,376 | $115 |
| Forte SX 2-Dr Coupe | $198 | $416 | $560 | $34 | $168 | $1,376 | $115 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Price information does not factor in vehicle location which can increase or decrease price quotes significantly.
Raise deductibles and save
A question often asked by El Paso drivers is how high should the deductibles for physical damage be. The comparison tables below can help you visualize the differences in premium rates when you buy lower versus higher physical damage deductibles. The first data set uses a $100 deductible for physical damage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $328 | $486 | $382 | $22 | $114 | $1,357 | $113 |
| Forte EX 4-Dr Sedan | $328 | $486 | $382 | $22 | $114 | $1,357 | $113 |
| Forte SX 4-Dr Sedan | $370 | $592 | $382 | $22 | $114 | $1,505 | $125 |
| Forte EX 2-Dr Coupe | $370 | $698 | $430 | $26 | $128 | $1,677 | $140 |
| Forte SX 2-Dr Coupe | $370 | $698 | $430 | $26 | $128 | $1,677 | $140 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $240 | $328 | $382 | $22 | $114 | $1,086 | $91 |
| Forte EX 4-Dr Sedan | $240 | $328 | $382 | $22 | $114 | $1,086 | $91 |
| Forte SX 4-Dr Sedan | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Forte EX 2-Dr Coupe | $270 | $472 | $430 | $26 | $128 | $1,326 | $111 |
| Forte SX 2-Dr Coupe | $270 | $472 | $430 | $26 | $128 | $1,326 | $111 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rate quotes do not factor in vehicle location which can alter prices greatly.
Based on the data above, we can derive that using a $100 deductible would cost the average driver about $25 more each month or $300 for a full year across all Kia Forte models than requesting the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally go at least 16 months between claim filings, you would probably come out ahead going with the higher deductible.
Difference between liability only and full coverage rates
The information below illustrates the comparison of Kia Forte car insurance rates with full coverage and liability only. The data assumes no accidents, no driving violations, $100 deductibles, drivers are not married, and no policy discounts are applied.
When to stop buying full coverage
There isn’t a steadfast formula to eliminate comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is more than around 10% of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let’s say your Kia Forte replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company would pay you is $7,000 after paying your deductible. If it’s costing you more than $700 a year for physical damage coverage, then you might want to consider buying only liability coverage.
There are some circumstances where buying only liability insurance is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not buy liability only.
Compare rates but buy from a local El Paso insurance agency
Some people just prefer to sit down and talk to an agent and doing that can be a smart decision The biggest benefit of comparing rates online is you may find cheap auto insurance rates and still buy from a local agent. Buying from small agencies is important particularly in El Paso.
After filling out this quick form, your insurance data is immediately sent to companies in El Paso that give free quotes for your insurance coverage. It’s much easier because you don’t need to contact an agency due to the fact that quote results will go to you directly. You can find lower rates and a licensed agent to work with. If you need to get a comparison quote from a particular provider, you just need to visit that company’s website and fill out the quote form the provide.
Shown below are El Paso car insurance companies that can give you rate quotes for Kia Forte insurance in El Paso.
- Desert West Insurance Agency, Inc.
7500 Viscount Blvd #101 – El Paso, TX 79925 – (915) 751-6060 – View Map - Texas Auto Insurance Agency
1491 Lee Trevino Dr # G – El Paso, TX 79936 – (915) 594-4400 – View Map - Beth Santillan – State Farm Insurance Agent
12420 Edgemere Blvd Ste 102 – El Paso, TX 79938 – (915) 855-0035 – View Map - Allstate Insurance: Oscar Arrieta
1701 Lee Trevino Dr b – El Paso, TX 79936 – (915) 593-1268 – View Map
Deciding on a provider shouldn’t rely on just a cheap quote. The answers to these questions are important, too.
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Is insurance their full-time profession?
- Does the agency have a good rating with the Better Business Bureau?
- How much can you save by raising your physical damage deductibles?
- Is assistance available after office hours?
- Do they see any coverage gaps in your plan?
- Does the agent have professional designations like CIC, CPCU or AIC?