If your goal is the lowest price, then the best way to save money on Kia Forte insurance in Omaha is to do a yearly price comparison from companies who provide car insurance in Nebraska. You can shop around by following these guidelines.
- Spend a few minutes and learn about auto insurance and the steps you can take to prevent expensive coverage. Many things that result in higher prices like at-fault accidents and a not-so-good credit score can be amended by being financially responsible and driving safely. Read the full article for more ideas to get low prices and get additional discounts that may have been overlooked.
- Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from one company like Progressive or Farmers Insurance, while independent agents can quote rates for a wide range of companies.
- Compare the new rates to the premium of your current policy and determine if there is any savings. If you find a lower rate and switch companies, make sure coverage is continuous and does not lapse.
- Notify your company or agent of your intention to cancel the current policy. Submit a signed application and payment to the new company. As soon as you have the new policy, safely store the proof of insurance paperwork in an accessible location in your vehicle.
A tip to remember is to try to use identical coverage information on each price quote and and to get rate quotes from as many car insurance companies as possible. This ensures a fair price comparison and a complete price analysis.
Sadly, almost 70% of insureds in Nebraska have purchased from the same company for well over three years, and almost 40% of drivers have never compared rates with other companies. Many drivers in America could save themselves about 47% a year by just shopping around, but they don’t want to take the time to do a rate comparison.
Cutting your Omaha auto insurance rates is a fairly straight forward process. Just take a few minutes comparing rates to see which company has cheaper Omaha auto insurance quotes.
The companies in the list below can provide free rate quotes in Omaha, NE. To find the cheapest car insurance in Omaha, it’s highly recommended you click on several of them to get a more complete price comparison.
Coverage analysis
The data table below outlines estimates of insurance policy prices for Kia Forte models. Learning more about how policy premiums are determined can be valuable when making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $140 | $232 | $362 | $22 | $108 | $864 | $72 |
| Forte EX 4-Dr Sedan | $140 | $232 | $362 | $22 | $108 | $864 | $72 |
| Forte SX 4-Dr Sedan | $158 | $282 | $362 | $22 | $108 | $932 | $78 |
| Forte EX 2-Dr Coupe | $158 | $332 | $410 | $24 | $122 | $1,046 | $87 |
| Forte SX 2-Dr Coupe | $158 | $332 | $410 | $24 | $122 | $1,046 | $87 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Prices do not factor in specific location information which can revise prices significantly.
Higher deductibles save money
When comparing insurance rates, the most common question is how high should the physical damage deductibles be. The comparisons below can help illustrate the rate fluctuation between low and high policy deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Forte EX 4-Dr Sedan | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Forte SX 4-Dr Sedan | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Forte EX 2-Dr Coupe | $292 | $548 | $338 | $20 | $102 | $1,325 | $110 |
| Forte SX 2-Dr Coupe | $292 | $548 | $338 | $20 | $102 | $1,325 | $110 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Forte EX 4-Dr Sedan | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Forte SX 4-Dr Sedan | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Forte EX 2-Dr Coupe | $212 | $370 | $338 | $20 | $102 | $1,042 | $87 |
| Forte SX 2-Dr Coupe | $212 | $370 | $338 | $20 | $102 | $1,042 | $87 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Information does not factor in vehicle location which can lower or raise auto insurance rates greatly.
Using the premium rates above, we can conclude that using a $100 deductible will cost you approximately $20 more each month or $240 each year across all Kia Forte models than quoting the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you have at a minimum 20 months between claim filings, you would save money by selecting a higher deductible.
Impact of citations and accidents on insurance rates
The chart below highlights how speeding tickets and at-fault fender-benders increase Kia Forte insurance costs for different age groups. Data assumes a married female driver, full coverage, $250 deductibles, and no discounts are applied to the premium.
Here’s why car insurance is not optional
Despite the high insurance cost for a Kia Forte in Omaha, insurance is not optional due to several reasons.
First, most states have mandatory insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance in order to drive the car legally. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a loan on your Kia Forte, almost all lenders will require that you have insurance to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the lender will be forced to insure your Kia at a much higher rate and force you to pay the higher price.
Third, insurance safeguards your Kia and your assets. Insurance will pay for most medical and hospital costs for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance will also pay attorney fees if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of buying enough insurance more than offset the price you pay, particularly when you have a large claim. An average driver in America is overpaying over $869 every year so it’s recommended you shop around at every renewal to be sure current rates are still competitive.
Six factors that determine insurance premiums
Consumers need to have an understanding of the rating factors that come into play when calculating your premiums. When consumers understand what impacts premium levels, this allows you to make educated decisions that may result in lower rates.
- Drive lots and pay more – Driving more miles each year the more you’ll pay to insure it. Most insurance companies price each vehicle’s coverage determined by how the vehicle is used. Vehicles that sit idle most of the time qualify for better rates than cars that get driven a lot. It’s a good idea to make sure your declarations sheet reflects the correct driver usage, because it can save money. An incorrectly rated Forte is just wasting money.
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Youthful vs. older drivers – Mature drivers are viewed as being more responsible, file fewer claims, and receive fewer citations. Young drivers have been known to be easily distracted when driving with friends so they pay higher auto insurance rates.
The next chart is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.
- Always keep your auto insurance policy in place – Going without insurance is a fast way to bump up your auto insurance costs. Not only will you pay more, getting caught without coverage may result in a revoked license or a big fine. You may then be required to submit proof of financial responsibility or a SR-22 with the Nebraska motor vehicle department to get your license reinstated.
- Vehicles with better crash test results cost less to insure – Vehicles with high crash test scores are cheaper to insure. Safe vehicles reduce occupant injuries and fewer serious injuries means your insurance company pays less and lower rates for you.
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Gender and insurance prices – Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean females are better drivers. Both genders are in accidents at a similar rate, but the men have accidents that have higher claims. Not only that, but men also receive more major tickets like DUI and reckless driving.
The information below illustrates the comparison of Kia Forte insurance premiums for male and female drivers. The premiums assume no tickets, no at-fault accidents, full coverage, $500 deductibles, drivers are not married, and no discounts are applied.
- Job and insurance premiums – Jobs like military generals, architects, and dentists generally have the highest rates due to intense work requirements and long work hours. On the flip side, occupations such as actors, engineers and performers have lower than average premiums.
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Insurance loss probability for a Kia Forte – Insurers use past loss statistics for each vehicle to help calculate a profitable premium price. Vehicles that statistically have higher prevalence or dollar amount of losses will have increased rates.
The table below demonstrates the insurance loss data used by companies for Kia Forte vehicles. For each type of coverage, the claim probability for all vehicles combined as an average is a value of 100. Numbers under 100 suggest a better than average loss history, while values over 100 indicate higher probability of having a loss or an increased chance of larger losses than average.
Kia Forte Insurance Loss Statistics Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Kia Forte 114 117 103 176 183 144 Kia Forte 114 98 147 Kia Forte 102 102 86 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
When do I need an agent’s advice?
When choosing your policy, there is no one size fits all plan. Each situation is unique.
For instance, these questions might help in determining whether or not you would benefit from professional advice.
- Is coverage enough to protect my assets?
- What is UM/UIM insurance?
- Is other people’s property covered if stolen from my vehicle?
- How much will a speeding ticket raise my rates?
- Why am I required to buy high-risk coverage?
- Should I pay a claim out-of-pocket?
- Is my nanny covered when transporting my kids?
- Do I need PIP coverage since I have good health insurance?
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.
Don’t give up on affordable rates
You just learned many ideas to compare Kia Forte insurance prices in Omaha. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced car insurance comes from a lesser-known regional company.
Some insurance providers do not provide the ability to get quotes online and these smaller companies work with independent insurance agencies. Cheaper Kia Forte insurance in Omaha is available on the web and from local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.
People who switch companies do it for any number of reasons including high prices, high rates after DUI convictions, not issuing a premium refund or even policy non-renewal. It doesn’t matter what your reason, choosing a new insurance company is easier than you think.
Additional car insurance information can be read below:
- Auto Crash Statistics (Insurance Information Institute)
- How Much is Auto Insurance for Teenage Males in Omaha? (FAQ)
- What is the Best Cheap Auto Insurance in Omaha, Nebraska? (FAQ)
- How Much are Car Insurance Rates for Real Estate Agents in Omaha? (FAQ)
- Teen Driving and Texting (State Farm)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Rental Car Insurance Tips (Insurance Information Institute)