Save Money on Kia Forte Insurance in Scottsdale

If saving the most money is your goal, then the best way to find affordable car insurance rates is to annually compare prices from insurance carriers in Scottsdale. Drivers can shop around by following these steps.

• Step 1: Get a basic knowledge of individual coverages and the measures you can control to prevent high rates. Many things that are responsible for high rates such as traffic violations and an imperfect credit rating can be eliminated by making minor changes in your lifestyle. Keep reading for instructions to get better rates and find discounts that may have been missed.
• Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like Progressive or Allstate, while agents who are independent can give you price quotes from many different companies. View companies
• Step 3: Compare the new quotes to your current policy and determine if there is any savings. If you find a lower rate and buy the policy, make sure there is no lapse in coverage.

The key thing to remember is to compare similar limits and deductibles on every quote and and to get price estimates from as many companies as you can. Doing this guarantees a fair rate comparison and the best price quote selection.

Anyone knows that insurance companies want to keep you from comparing prices. Consumers who rate shop once a year will probably buy a new policy because they have good chances of finding a policy with more affordable rates. A survey found that drivers who routinely shopped around saved an average of $72 a month as compared to drivers who never compared prices.

If finding budget-friendly Kia Forte insurance in Scottsdale is why you’re reading this, then having a good understanding how to quote prices and compare insurance can help simplify the task of finding more affordable coverage.

Best Kia Forte insurance prices in Arizona

The companies in the list below provide free rate quotes in Arizona. If you want to find cheap car insurance in AZ, we recommend you compare several of them to get the best price comparison.

Kia Forte coverage analysis

The premium information shown below showcases estimates of prices for Kia Forte models. Learning as much as possible about how policy premiums are figured can help you make decisions on which insurance to purchase.

Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rate information does not factor in specific zip code location which can impact prices greatly.

Can higher deductibles save money?

One of the more difficult decisions when buying insurance is at what level do you set your deductibles. The following tables help summarize the differences in premium rates when you choose different insurance deductibles. The first set of rates uses a $250 physical damage deductible and the second rate chart uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Estimates do not factor in vehicle garaging location which can decrease or increase rates considerably.

Based on the figures above, using a $250 deductible costs roughly $22 more each month or $264 every year than selecting the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 34 months between claims, you would more than likely save some money if you elect the higher deductible. The numbers below show a better example of how you can do this calculation yourself.

One thing to note is that a higher deductible means you will have to pay more of your own money when you have a physical damage claim. That will force you to have access to more funds in order to pay the deductible to have repairs made.

Impact of careless driving on insurance rates

The information below illustrates how violations and accident claims influence Kia Forte auto insurance costs for different ages of insureds. The information is based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.

Kia Forte liability rates compared to full coverage

The example below illustrates the difference between Kia Forte insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The premiums assume a clean driving record, no at-fault accidents, $250 deductibles, single status, and no discounts are taken into consideration.

When to drop comprehensive and collision coverage

There is no definitive formula to stop paying for full coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Kia Forte settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $2,000 after paying your deductible. If premiums are more than $200 a year for physical damage coverage, then you may want to consider only buying liability coverage.

There are some conditions where only buying liability is not recommended. If you still owe a portion of the original loan, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not remove full coverage.

You may qualify for discounts for Kia Forte insurance in Scottsdale

Some insurers do not advertise every possible discount very clearly, so we took the time to find some of the more common as well as the least known credits available to you. If you’re not getting every credit available, you are just wasting money.

• Discounts for Cautious Drivers – Safe drivers can pay as much as 50% less than drivers with accident claims.
• Organization Discounts – Being in a civic or occupational organization in Scottsdale could earn you a nice discount on your next renewal.
• Life Insurance Discount – If the company offers life insurance, you could get better premium rates if you take out life insurance.
• Anti-lock Brake Discount – Cars, trucks, and SUVs equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.
• Early Payment Discounts – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
• Policy Bundle Discount – When you have multiple policies and insure them with the same company you will save as much as 10 to 15 percent.

Discounts lower rates, but some credits don’t apply to all coverage premiums. Most only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

The information below shows the difference between Kia Forte insurance costs with and without policy discounts. The data assumes a male driver, no violations or accidents, Arizona state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, marriage, multi-policy, and multi-car discounts applied.

Companies and some of the premium reductions they offer can be found below.

• State Farm may offer discounts for good student, student away at school, safe vehicle, defensive driving training, driver’s education, Steer Clear safe driver discount, and passive restraint.
• Liberty Mutual has savings for newly married, safety features, new vehicle discount, new graduate, and good student.
• American Family offers premium reductions for bundled insurance, Steer into Savings, air bags, mySafetyValet, early bird, and accident-free.
• Progressive includes discounts for online signing, homeowner, good student, multi-policy, online quote discount, and continuous coverage.
• Farmers Insurance policyholders can earn discounts including mature driver, early shopping, homeowner, pay in full, and multi-car.
• Auto-Owners Insurance may include discounts for air bags, mature driver, group or association, multiple vehicles, anti-theft, anti-lock brakes, and student away at school.
• SAFECO may have discounts that include accident prevention training, teen safety rewards, teen safe driver, bundle discounts, anti-lock brakes, anti-theft, and homeowner.

If you want low cost Scottsdale car insurance quotes, ask each company or agent to give you their best rates. All car insurance discounts may not be offered in every state. To choose auto insurance companies who offer online Kia Forte insurance quotes in Scottsdale, click here.

There’s no such thing as the perfect insurance policy

When selecting proper insurance coverage for your personal vehicles, there really is not a one-size-fits-all type of policy. Each situation is unique.

For instance, these questions may help you determine whether your personal situation may require specific advice.

• Should I rate my Kia Forte as pleasure use or commute?
• Why am I required to buy liability insurance?
• Is my trailer covered?
• How much liability insurance is required?
• Do I have coverage if my license is suspended?
• How long can I keep a teen driver on my policy?
• If my car is totaled with they pay enough to replace it?
• Does my insurance cover a custom paint job?
• Am I covered if I crash into my own garage door?
• What if a claim settlement is too low?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form.

Shop online but buy locally

Many people still like to talk to an insurance agent. An additional benefit of comparing insurance prices online is you can get the lowest rates but also keep your business local.

After completing this short form, your information is emailed to local insurance agents in Scottsdale who will return price quotes to get your business. It simplifies rate comparisons since you won’t have to find an agent on your own as quotes are delivered to you directly. You can most likely find cheaper rates without the usual hassles of price shopping. If you have a need to compare rates from a specific company, just find their quoting web page and complete a quote there.

Deciding on an provider should depend on more than just a low price. These questions are important to ask:

• Do they have cheaper tiers of coverage?
• Are claims handled at the agent’s location?
• What insurance companies do they recommend if they are an independent agent?
• What companies can they write with?
• Is the agency involved in supporting local community causes?
• Does the agent have a valid license to sell insurance in Arizona?
• Can glass claims be handled at your home?
• How are claims handled?

When searching for a local Scottsdale insurance agency, you need to know there are two different types of agencies and how they can write your policy. Agents in Scottsdale are either exclusive agents or independent agents.

Exclusive Insurance Agencies

These type of agents normally can only provide a single company’s rates such as Farmers Insurance or State Farm. Exclusive agents cannot shop your coverage around so you need to shop around if the rates are high. Exclusive agents are well schooled in insurance sales which helps them sell on service rather than price.

Listed below are exclusive insurance agents in Scottsdale who may provide you with comparison quotes.

View more agents

Independent Insurance Agencies

Agents that choose to be independent do not sell for just one brand and that enables them to quote your coverage through many companies and potentially find a lower price. If prices rise, your agent can just switch to a different company and you don’t have to find a new agent. When comparing rates, you definitely need to compare quotes from several independent insurance agents in order to compare the most rates.

The following is a short list of independent insurance agencies in Scottsdale willing to provide price quote information.

View more agents

Arizona car insurance companies ranked

Ending up with a good quality car insurance company can be rather challenging considering how many different companies insure vehicles in Scottsdale. The rank data below could help you choose which insurers to look at putting your business with.

Top 10 Scottsdale Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA Insurance – 91%
4. State Farm – 90%
5. Nationwide – 90%
6. The Hartford – 89%
7. GEICO – 89%
8. The General – 88%
9. 21st Century – 88%
10. Liberty Mutual – 88%

Top 10 Scottsdale Car Insurance Companies Ranked by Customer Service

1. State Farm
2. GEICO
3. The Hartford
4. Mercury Insurance
5. Progressive
6. The General
7. Allstate
8. AAA Insurance
9. American Family
10. Nationwide

Specifics of your car insurance policy

Having a good grasp of your car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Kia Forte.

Since a lot of drivers have only the minimum liability required by law (Arizona limits are 15/30/10), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical expense coverage

Med pay and PIP coverage pay for expenses for nursing services, prosthetic devices, rehabilitation expenses and hospital visits. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Auto collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sustaining damage from a pot hole, crashing into a building and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible on your Forte in order to get cheaper collision rates.

Comprehensive protection

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as fire damage, damage from a tornado or hurricane, a tree branch falling on your vehicle, a broken windshield and falling objects. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability

Liability insurance can cover damage or injury you incur to other’s property or people that is your fault. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 15/30/10 that translate to $15,000 bodily injury coverage, $30,000 for the entire accident, and property damage coverage for $10,000.

Liability coverage protects against things like loss of income, structural damage, medical expenses, legal defense fees and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford. Arizona requires minimum liability limits of 15/30/10 but drivers should carry higher limits.

The next chart shows why buying minimum limits may not be high enough to adequately cover claims.

Compare. Compare. Compare.

You just read many ways to find affordable Kia Forte insurance in Scottsdale. The key thing to remember is the more companies you get premium rates for, the better chance you’ll have of finding cheaper Scottsdale car insurance quotes. Drivers may even discover the lowest priced car insurance comes from the smaller companies.

Drivers switch companies for a number of reasons such as high rates after DUI convictions, lack of trust in their agent, extreme rates for teen drivers or delays in paying claims. It doesn’t matter what your reason, choosing a new insurance company is easier than you think.

When buying insurance coverage, it’s not a good idea to buy less coverage just to save a little money. There are many occasions where someone dropped uninsured motorist or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to get the best coverage possible at the best cost, not the least amount of coverage.

Additional detailed information can be found at these sites:

• Safety Tips for Teen Drivers (Insurance Information Institute)
• What Insurance is Cheapest for 16 Year Olds in Scottsdale? (FAQ)
• Who Has the Cheapest Scottsdale Auto Insurance Rates for a GMC Sierra? (FAQ)
• Who Has Affordable Auto Insurance for Uninsured Drivers in Scottsdale? (FAQ)
• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
• Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
• Driving in Bad Weather (Insurance Information Institute)