Affordable Quotes for Kia Forte Insurance in Birmingham

Insurance for Kia ForteAre you irritated from trying to scrape together enough money each month for auto insurance? You have the same problem as many other people in Alabama.

Unthinkable but true, most auto insurance policyholders kept their policy with the same company for at least four years, and approximately 40% of consumers have never even shopped around for affordable coverage. Many consumers in Birmingham could save about 40% a year by just shopping around, but they don't invest the time required to find affordable auto insurance rates. Many auto insurance companies vie for your hard-earned dollar, so it can be very hard to choose a insurer and get the definite cheapest price on Kia Forte insurance in Birmingham.

It's important to compare premium rates periodically since prices are adjusted regularly by insurance companies. If you had the best price on Kia Forte insurance in Birmingham two years ago there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because we're going to demonstrate the easiest way to save money, get proper deductibles and limits, all at the lowest rate.

If you are insured now or are just looking to switch companies, use these techniques to save money and still have adequate protection. Finding the cheapest insurance coverage in Birmingham is much easier if you know where to start. Consumers just have to understand the fastest way to find the lowest price from multiple carriers.

Which Kia Forte insurance is cheapest in Birmingham, Alabama?

Finding a better price on car insurance is actually easier than you may think. The only requirement is to take a couple of minutes to compare rates online with multiple companies.

Comparing free price quotes online is easy and it, makes it a waste of time to drive around to each insurance agency near you. Buying insurance online makes this unnecessary unless you have a need for the professional abilities that only a licensed agent can provide. Although, it is possible comparison shop your insurance online and get advice from an agent in your area.

The companies shown below offer price comparisons in Alabama. If multiple providers are shown, we suggest you click on several of them to get a more complete price comparison.

Kia Forte Insurance Rates in Birmingham, AL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $278 $486 $438 $26 $132 $1,360 $113
Forte EX 4-Dr Sedan $252 $354 $344 $20 $102 $1,072 $89
Forte SX 4-Dr Sedan $364 $644 $456 $26 $136 $1,626 $136
Forte EX 2-Dr Coupe $230 $472 $496 $30 $148 $1,376 $115
Forte SX 2-Dr Coupe $226 $430 $358 $22 $108 $1,144 $95
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Information does not factor in specific Birmingham garaging location which can decrease or increase coverage prices greatly.

Car insurance deductibles

The information below illustrates how choosing a deductible and can impact Kia Forte annual premium costs for different age groups. The information is based on a single female driver, comp and collision included, and no policy discounts are applied.

Physical damage deductibles

One frequently asked question is where to set your physical damage deductibles. The rates below outline the difference in cost between high and low physical damage deductibles. The first rate comparisons uses a $100 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Kia Forte insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $290 $430 $338 $20 $100 $1,203 $100
Forte EX 4-Dr Sedan $290 $430 $338 $20 $100 $1,203 $100
Forte SX 4-Dr Sedan $328 $524 $338 $20 $100 $1,335 $111
Forte EX 2-Dr Coupe $328 $618 $382 $22 $114 $1,489 $124
Forte SX 2-Dr Coupe $328 $618 $382 $22 $114 $1,489 $124
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Kia Forte insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $212 $292 $338 $20 $100 $962 $80
Forte EX 4-Dr Sedan $212 $292 $338 $20 $100 $962 $80
Forte SX 4-Dr Sedan $240 $354 $338 $20 $100 $1,052 $88
Forte EX 2-Dr Coupe $240 $418 $382 $22 $114 $1,176 $98
Forte SX 2-Dr Coupe $240 $418 $382 $22 $114 $1,176 $98
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Alabama minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in specific location which can modify premium rates significantly.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs approximately $23 more each month or $276 every year than quoting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 17 months between claims, you would probably come out ahead if you choose the higher deductible.

How violations and accidents impact rates

The example below shows how traffic citations and fender-benders can increase Kia Forte insurance costs for different age groups. The data assumes a married male driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.

Auto insurance is not optional but you don't have to overpay

Despite the high cost, auto insurance is required in Alabama but also provides important benefits.

The benefits of buying auto insurance more than cancel out the cost, specifically if you ever have a liability claim. According to a survey of 1,000 drivers, the average driver is wasting up to $810 a year so you should quote and compare rates at every policy renewal to be sure current rates are still competitive.

Save $437 a year! What?

Alabama drivers can't get away from all the ads that claim the best rates from companies such as State Farm, Allstate and GEICO. All the ads state the claim that you'll save big if you move your insurance policy to them.

But how can every company offer you a better deal on Kia Forte insurance in Birmingham?

Insurance companies quote the lowest rates for the right customer that earns them the most money. An example of this type of insured should be over the age of 35, has a low-risk occupation, and drives newer vehicles. Any new insured that matches those criteria will probably get the lowest premium rates and will save a lot of money.

Potential insureds who do not match these criteria may be required to pay a higher rate and this can result in the customer buying from someone else. If you pay close attention to the ads, they say "customers that switch" not "everyone who quotes" save money. That is how insurance companies can make claims like that. This really illustrates why drivers must get as many free Birmingham car insurance quotes as possible. It is impossible to predict the company that will provide the lowest Kia Forte insurance in Birmingham.

These discounts can lower your car insurance rates

Insuring your fleet can be pricey, but you may be missing some discounts that many people don't even know exist. Many of these discounts will be applied automatically at the time of quoting, but some must be specifically requested prior to getting the savings. If you are not receiving all the discounts you qualify for, you could be paying more than you need to.Cheaper car insurance with discounts

As a footnote on discounts, most discounts do not apply to the whole policy. Most cut the cost of specific coverages such as medical payments or collision. So even though you would think you can get free auto insurance, it's just not the way it works. Any qualifying discounts will bring down the cost of coverage.

To choose insurance companies who offer free Kia Forte insurance quotes in Birmingham, click this link.

Local neighborhood agents and car insurance

Some consumers just want to visit with an insurance agent and doing so can bring peace of mind Good agents can help you choose the best coverages and help file insurance claims. A good thing about comparing car insurance online is that you can find lower premium rates and still choose a local agent.

Insurance agency in BirminghamBy using this quick form, the coverage information is sent to local insurance agents that can provide free Birmingham car insurance quotes for your insurance coverage. You won't even need to contact any agents since rate quotes are delivered to you. If for some reason you want to get a comparison quote for a specific company, you would need to navigate to their website to submit a rate quote request.

Picking the best insurer requires more thought than just a cheap price quote. Here are some questions to ask:

Compare rates from both independent and exclusive auto insurance agents

When narrowing the list to find a local Birmingham insurance agent, it's helpful to know the types of insurance agents and how they are slightly different. Car insurance policy providers are either independent agents or exclusive agents depending on their employer. Both can insure your vehicles properly, but we need to point out the difference in how they write coverage since it can impact your selection of an agent.

Exclusive Insurance Agencies

These type of agents generally can only insure with one company and some examples include State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to compare rates from other companies so always compare other rates. Exclusive agents are highly trained on sales techniques and that allows them to sell at a higher price point.

Shown below are exclusive agencies in Birmingham who may provide you with comparison quotes.

470 Riverhill Business Park - Birmingham, AL 35242 - (205) 991-5106 - View Map

334 6th Ave S - Birmingham, AL 35205 - (205) 325-1745 - View Map

1441 Forestdale Blvd #113 - Birmingham, AL 35214 - (205) 798-8446 - View Map

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Independent Car Insurance Agencies

Agents in the independent channel are normally appointed by many insurers so they have the ability to put coverage with an assortment of companies and help determine which has the cheapest rates. If you want to switch companies, your agent can switch companies which requires no work on your part. If you need lower rates, you will definitely want to get rate quotes from a couple of independent agencies to have the best price comparison.

The following is a short list of independent insurance agencies in Birmingham who can help you get comparison quotes.

213 Gadsden Hwy # 111 - Birmingham, AL 35235 - (205) 836-5959 - View Map

400 Century Park S #106 - Birmingham, AL 35226 - (205) 822-6778 - View Map

2015 Kentucky Ave - Birmingham, AL 35216 - (205) 822-5477 - View Map

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If you get positive feedback to all your questions and a low price estimate, you have narrowed it down to an auto insurance agent that is professional and can properly service your car insurance policy. Just be aware that you can always terminate coverage whenever you choose to so never assume you are locked into your new company for a certain time period.

Persistence will pay off

We just showed you many ideas to save on Kia Forte insurance in Birmingham. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may even discover the lowest priced auto insurance comes from the least-expected company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive and GEICO.

When getting Birmingham car insurance quotes online, it's not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to buy a smart amount of coverage at the best cost, not the least amount of coverage.

Affordable Kia Forte insurance in Birmingham can be purchased on the web in addition to many Birmingham insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance providers do not provide online quoting and most of the time these smaller providers only sell coverage through independent agents.

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