Kia Forte insurance cost image courtesy of QuoteInspector.com
If your goal is the lowest price, then the best way to find cheaper prices for Kia Forte insurance in Baltimore is to begin comparing prices regularly from providers in Maryland.
Step 1: Try to learn a little about car insurance and the changes you can make to prevent expensive coverage. Many risk factors that drive up the price such as speeding tickets, careless driving and poor credit rating can be rectified by being financially responsible and driving safely. Continue reading for more information to help prevent high rates and get additional discounts that may have been overlooked.
Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from a single company like Progressive or Farmers Insurance, while agents who are independent can quote rates for many different companies.
Step 3: Compare the new rates to the price on your current policy to see if you can save by switching companies. If you can save money and make a switch, make sure there is no lapse in coverage.
Step 4: Provide proper notification to your current company of your intent to cancel your current policy. Submit the completed application along with a down payment to the newly selected company. Don't forget to put the new certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.
A tip to remember is to make sure you're comparing identical coverage information on every quote and and to get prices from as many carriers as you can. This ensures a fair rate comparison and maximum price selection.
Astonishing but true according to a recent study, almost 70% of insureds have remained with the same auto insurance company for four years or more, and practically 40% of auto insurance customers have never taken the time to shop around. Many drivers in Baltimore could save an average of 55% each year just by getting comparison quotes, but most just don't grasp the amount of savings they would get if they moved their coverage to a different company.
Affordable Kia insurance rates in Baltimore
The companies shown below provide price comparisons in Baltimore, MD. To locate the best auto insurance in Baltimore, we suggest you visit several of them to get the best price comparison.
Rates and statistics
The coverage table below showcases different insurance policy prices for Kia Forte models. Learning how rates are determined can help drivers make decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $284 | $432 | $548 | $32 | $164 | $1,460 | $122 |
| Forte EX 4-Dr Sedan | $284 | $432 | $548 | $32 | $164 | $1,460 | $122 |
| Forte SX 4-Dr Sedan | $320 | $524 | $548 | $32 | $164 | $1,588 | $132 |
| Forte EX 2-Dr Coupe | $320 | $618 | $620 | $36 | $186 | $1,780 | $148 |
| Forte SX 2-Dr Coupe | $320 | $618 | $620 | $36 | $186 | $1,780 | $148 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rates do not factor in specific Baltimore garaging location which can influence prices substantially.
Can higher deductibles save money?
One common question asked by Baltimore drivers is which deductibles should you choose. The figures shown below highlight the cost difference between low and high deductibles. The first pricing table uses a $100 deductible for comp and collision and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $350 | $518 | $406 | $24 | $122 | $1,445 | $120 |
| Forte EX 4-Dr Sedan | $350 | $518 | $406 | $24 | $122 | $1,445 | $120 |
| Forte SX 4-Dr Sedan | $394 | $632 | $406 | $24 | $122 | $1,603 | $134 |
| Forte EX 2-Dr Coupe | $394 | $744 | $458 | $28 | $138 | $1,787 | $149 |
| Forte SX 2-Dr Coupe | $394 | $744 | $458 | $28 | $138 | $1,787 | $149 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $256 | $350 | $406 | $24 | $122 | $1,158 | $97 |
| Forte EX 4-Dr Sedan | $256 | $350 | $406 | $24 | $122 | $1,158 | $97 |
| Forte SX 4-Dr Sedan | $288 | $426 | $406 | $24 | $122 | $1,266 | $106 |
| Forte EX 2-Dr Coupe | $288 | $502 | $458 | $28 | $138 | $1,414 | $118 |
| Forte SX 2-Dr Coupe | $288 | $502 | $458 | $28 | $138 | $1,414 | $118 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Prices do not factor in specific Baltimore garaging location which can affect auto insurance rates considerably.
Based on the above data, using a $100 deductible will cost you approximately $27 more each month or $324 each year than quoting the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average more than 15 months between claim filings, you would probably be better off if you elect the higher deductible.
Accidents and violations increase rates
The illustration below illustrates how speeding tickets and accident claims raise Kia Forte insurance prices for each different age category. The prices are based on a single male driver, comp and collision included, $500 deductibles, and no policy discounts are applied.
Men versus women drivers and insurance cost
The diagram below visualizes the comparison of Kia Forte annual premium costs for male and female drivers. The data assumes no accidents or driving violations, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.
Difference between liability only and full coverage rates
The illustration below illustrates the difference between Kia Forte insurance costs with full coverage and liability only. The data is based on no violations or claims, $1,000 deductibles, drivers are single, and no other discounts are factored in.
When to stop paying for full coverage
There isn't a steadfast formula of when to drop physical damage insurance, but there is a general school of thought. If the yearly cost for physical damage coverage is 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let's pretend your Kia Forte book value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $5,000 after paying your policy deductible. If you are paying over $500 annually for full coverage, then it might be time to buy liability only.
There are some circumstances where buying only liability insurance is not financially feasible. If you still owe money on your vehicle, you are required to maintain full coverage to protect the lienholder's interest. Also, if you can't afford to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.
Discounts for lower-cost auto insurance quotes
Auto insurance companies do not list every discount they offer in a way that's easy to find, so we took the time to find both well-publicized and the harder-to-find discounts that you may qualify for.
- Theft Deterrent Discount - Vehicles that have factory alarm systems and tracking devices are stolen with less frequency so companies will give you a small discount.
- Defensive Driver Discounts - Participating in a course teaching safe driver skills could earn you a small percentage discount and easily recoup the cost of the course.
- Discounts for Multiple Vehicles - Buying coverage for more than one vehicle with the same company qualifies for this discount.
- Drive Less and Save - Driving less could qualify for better auto insurance rates on cars that stay parked.
- Mature Driver Discount - Drivers over the age of 55 can get a discount up to 10%.
- Sign Online - A few companies may give you up to $50 for buying a policy and signing up over the internet.
- Memberships - Affiliation with certain professional organizations could qualify you for a break on auto insurance.
- Switch and Save Discount - Some insurance companies reward drivers for buying a policy before your current expiration date. The savings is around 10%.
- Data Collection Discounts - Baltimore drivers who agree to allow their company to track vehicle usage by installing a telematics device such as In-Drive from State Farm or Allstate's Drivewise system may get a rate reduction if they exhibit good driving behavior.
- Discount for Life Insurance - Not every insurance company offers life insurance, but if they do you may earn a discounted price on car insurance if you buy some life insurance in addition to your auto policy.
Discounts lower rates, but most credits do not apply to the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, companies don't profit that way.
The diagram below shows the difference between Kia Forte car insurance rates with and without discounts. The premium estimates are based on a male driver, a clean driving record, no at-fault accidents, Maryland state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, homeowner, multi-policy, multi-car, and claim-free discounts applied.
A few popular companies and a summarized list of policyholder discounts can be read below.
- Progressive offers discounts for continuous coverage, online signing, good student, homeowner, and multi-policy.
- MetLife includes discounts for accident-free, claim-free, multi-policy, good driver, and good student.
- Mercury Insurance offers premium reductions for location of vehicle, good student, multi-policy, annual mileage, professional/association, and age of vehicle.
- Nationwide offers discounts including family plan, good student, multi-policy, anti-theft, business or organization, easy pay, and Farm Bureau membership.
- GEICO has discounts for emergency military deployment, seat belt use, anti-theft, daytime running lights, and anti-lock brakes.
- AAA has savings for anti-theft, good driver, education and occupation, multi-car, AAA membership discount, pay-in-full, and good student.
Double check with every insurance company how many discounts you can get. Some discounts listed above might not be offered on policies in Baltimore.
Which is the best car insurance?
Keep in mind that when it comes to choosing the right insurance coverage, there really is not a one size fits all plan. Everyone's needs are different and your policy should reflect that. For instance, these questions can aid in determining whether your personal situation will benefit from professional help.
- Are rock-chip repairs free?
- Why am I required to buy liability insurance?
- Should I rate my Kia Forte as pleasure use or commute?
- Is a blown tire covered by insurance?
- What is the minimum liability in Maryland?
- Who is covered when they drive my Kia Forte?
- What is high-risk coverage and where do I buy it?
- Am I better off with higher deductibles on my Kia Forte?
- Am I covered when driving on a suspended license?
If you're not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area.
Insurance agents are professional risk managers
Certain consumers still prefer to get professional advice from a licensed agent and that can be a great decision One of the best bonuses of getting free rate quotes online is you may find cheap rate quotes but also keep your business local. Putting coverage with local insurance agencies is important particularly in Baltimore.
Upon completion of this form (opens in new window), your coverage information is transmitted to participating agents in Baltimore who will return price quotes to get your business. You never need to leave your house because quoted prices will be sent to you. You'll get the best rates without having to waste a lot of time. In the event you want to get a comparison quote from a particular provider, you just need to jump over to their website and complete a quote there.
When researching a good insurance agency, there are a couple of types of insurance agents and how they are distinctly different. Car insurance policy providers are categorized either independent agents or exclusive agents.
Independent Car Insurance Agents (or Brokers)
These agents do not work for one specific company so they can quote policies with any number of different companies and get the cheapest rates. If your agent finds better pricing, they simply switch companies in-house and you stay with the same agent.
If you are comparing rate quotes, you need to check rates from several independent agencies so that you have a good selection of quotes to compare. Many can place coverage with lesser-known insurance companies that can offer cheaper rates than bigger companies.
The following are independent agencies in Baltimore who may be able to give you rate quotes.
- Upper Chesapeake Insurance Agency Inc
900 S Charles St - Baltimore, MD 21230 - (410) 385-0455 - View Map - Austen's Insurance Inc
3407 Eastern Blvd - Baltimore, MD 21220 - (410) 686-4700 - View Map - Baltimore Insurance Network
11 E Lexington St - Baltimore, MD 21202 - (443) 869-6424 - View Map
Exclusive Insurance Agencies
These agents can only quote rates from one company like State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to place coverage with different providers so always compare other rates. Exclusive agents are well schooled on their company's products which helps them compete with independent agents. Consumers often buy from exclusive agents mostly because of loyalty to the company rather than having low rates.
Listed below are Baltimore exclusive agents that are able to give price quote information.
- Valerie Cherry - State Farm Insurance Agent
6800 York Road - Baltimore, MD 21212 - (410) 435-6600 - View Map - Frank Insley - State Farm Insurance Agent
9652 Belair Rd - Baltimore, MD 21236 - (410) 256-5600 - View Map - Allstate Insurance: Jim Craig
2829 O'Donnell St - Baltimore, MD 21224 - (410) 522-6100 - View Map
Finding a good car insurance agent shouldn't rely on just the premium amount. These are some questions your agent should answer.
- Do they get paid more for recommending certain coverages?
- By raising physical damage deductibles, how much would you save?
- What insurance company do they write the most business with?
- Will the agent help in case of a claim?
- How often do they review policy coverages?
- Do they feel the quoted coverages are adequate?
- Is the quote a firm price?
Upon receiving positive feedback for all questions you ask and cheaper Forte insurance quotes, you may have just found a car insurance agent that can properly insure your vehicles.
Maryland auto insurance company ratings
Choosing a highly-rated auto insurance company is hard considering how many choices drivers have in Baltimore. The ranking information listed below can help you decide which coverage providers to look at comparing rates with.
Top 10 Baltimore Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
You can find affordable coverage
Some insurance companies do not offer online price quotes and these smaller providers sell through local independent agencies. Affordable Kia Forte insurance in Baltimore can be bought from both online companies as well as from independent agents in Baltimore, and you should be comparing both in order to have the best price selection to choose from.
We just presented a lot of techniques to get a better price on Kia Forte insurance in Baltimore. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the best price on auto insurance is with a lesser-known regional company. These companies may only write in your state and offer lower rates compared to the large companies like Allstate, GEICO and Progressive.
While you're price shopping online, you should never buy less coverage just to save a little money. There have been many situations where drivers have reduced physical damage coverage only to discover later that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage at an affordable rate.
More information
- Speed and Speed Limit FAQ (iihs.org)
- How Much are Car Insurance Quotes After a Speeding Ticket in Baltimore? (FAQ)
- Who Has Cheap Car Insurance for Welfare Recipients in Baltimore? (FAQ)
- Who Has Affordable Baltimore Auto Insurance for a Nissan Rogue? (FAQ)
- Who Has Affordable Car Insurance for Homeowners in Baltimore? (FAQ)
- Who Has the Cheapest Auto Insurance for High Mileage Drivers in Baltimore? (FAQ)
- Who Has Affordable Car Insurance Quotes for a Chevrolet Traverse in Baltimore? (FAQ)
- Auto Insurance FAQ (Farmers Insurance)
- Teen Driver Licensing Information (iihs.org)
- Smart Auto Insurance Tips (Insurance Information Institute)