Authoritative Five Minute Guide to Buying Kia Forte Insurance
Locating low-cost insurance for a new or used Kia Forte can turn out to be a painful process, but you can follow a few tricks to find lower rates.
There is a right way and a wrong way to find auto insurance online so you’re going to learn the proper way to compare rates for a new or used Kia and locate the best price possible.
It’s a good habit to shop coverage around on a regular basis because insurance rates are variable and change quite frequently. Just because you had the lowest rates on Forte insurance on your last policy you will most likely find a better rate today. So just ignore everything you know about auto insurance because you’re about to learn how to quote online to save money, get proper coverage and the best rates.
Where Can I Get Cheap Auto Insurance?
Cutting your auto insurance rates isn’t really that difficult. All you need to do is invest a little time to compare quotes online from several insurance companies. This can be accomplished using a couple different methods.
- The first (and easiest) way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This method keeps you from doing multiple quote forms for each company. In just a few minutes this one form gets you price quotes from multiple low-cost companies. Just one form and you’re done.
- A less efficient way to get comparison quotes is to manually visit each company’s website and request a quote. For examples sake, let’s assume you want rates from USAA, Safeco and Travelers. You would have to go to every website and enter your policy data, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.
- The least recommended way of getting rate comparisons is to waste gas driving to insurance agents’ offices. The ability to buy insurance online can eliminate the need for a local agent unless you prefer the personal advice of a licensed agent. However, consumers can compare online quotes but still have the advice of a local agent and you’ll learn how to do that later.
It’s up to you how you get prices quotes, just make darn sure you compare exactly the same deductibles and coverage limits for every quote you compare. If you are comparing different deductibles you can’t possibly find the best deal for your Kia Forte.
Online quotes with a local insurance agent
A small number of people just want to buy from a local agent and that is a personal choice. Insurance agents can point out coverage gaps and help file insurance claims. The biggest benefit of comparing rates online is the fact that you can find the best rates but still work with a licensed agent. And providing support for small agencies is important particularly if you live in a smaller city or town.
To make it easy to find an agent, after completing this form (opens in new window), the coverage information gets sent to local insurance agents who will return price quotes to get your business. You don’t have to drive around because quoted prices will be sent directly to your email. How’s that for easy!
Two types of insurance agents
When looking for local agents, there are a couple of different types of agents that differ in how they can insure your vehicles. agents are either independent (non-captive) or captive. While both can write coverage properly, but it’s important to know how they are different since it may influence the selection process.
Independent Insurance Agents
Independent insurance agents are not locked into one company but rather can write business with many different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, an independent agent can move your coverage without you having to go to a different agency.
When shopping rates, it’s recommended you get quotes from several independent insurance agents to get the best comparison.Many can place coverage with smaller companies which can be an advantage.
Captive Insurance Agents
Captive agents can only place business with one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to compare other company’s rates so keep that in mind. Captive agencies are usually quite knowledgeable on their company’s products and that can be a competitive advantage. Consumers frequently buy insurance from these agents mainly due to the prominence of the brand and the convenience of having all coverages with one company.
For a full directory of auto insurance agents, visit this page.
Picking an auto insurance agent needs to be determined by more than just the price. Ask your prospective agent these questions:
- Who are their largest clients?
- Do they feel the quoted coverages are adequate?
- Does the agency provide any after hours assistance?
- Are claim adjusters local or do you have to take your car somewhere else?
- Are they able to influence company decisions when a claim is filed?
- Is their price quote a firm figure or are their hidden costs?
- If you are a high risk driver, do they have special markets for your coverage?
After getting acceptable answers in addition to an acceptable price estimate, you’ve probably found an insurance agency that will properly service your auto insurance policy.