Save Money on Kia Forte Insurance in Portland

Insurance quote for Kia Forte in PortlandIf you want to save money, the best way to get more affordable car insurance rates in Portland is to start comparing prices regularly from insurance carriers who can sell car insurance in Oregon.

The most important part of this process is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on every price quote and and to get prices from as many companies as you can. This guarantees a level playing field and a thorough price selection.

Shockingly, most auto insurance policyholders renewed their policy with the same company for more than four years, and nearly 40% of drivers have never compared rates to find lower-cost insurance. Oregon drivers could save as much as 60% each year by just shopping around, but they just don’t want to compare rates online.

If you have a current auto insurance policy or are looking for a new policy, use these money-saving tips to buy cheaper auto insurance and still have adequate protection. Buying the cheapest auto insurance in Portland is really quite simple as long as you have a good starting point. Vehicle owners just need to know the tricks to quote multiple rates over the internet.

The easiest way to get policy rate comparisons for Kia Forte insurance in Portland is to take advantage of the fact car insurance companies actually pay money for the chance to provide you with a free rate quote. All consumers are required to do is take a few minutes to give details like distance driven, if you have a valid license, how much coverage you want, and driver details. That rating data is then submitted to insurance companies and they return quotes almost instantly.

To find the cheapest Kia Forte insurance rates, click here and enter the information requested.

The following companies provide price quotes in Portland, OR. If you wish to find cheap car insurance in Portland, it’s a good idea that you click on several of them in order to get a fair rate comparison.

Auto insurance statistics for a Kia Forte

The premium table displayed below highlights different prices for Kia Forte models. Having a good grasp of how premiums are established is important to be able to make smart choices when comparing insurance quotes.

Kia Forte Insurance Rates in Portland, OR
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $314 $408 $418 $24 $126 $1,290 $108
Forte EX 4-Dr Sedan $314 $408 $418 $24 $126 $1,290 $108
Forte SX 4-Dr Sedan $354 $496 $418 $24 $126 $1,418 $118
Forte EX 2-Dr Coupe $354 $586 $472 $28 $142 $1,582 $132
Forte SX 2-Dr Coupe $354 $586 $472 $28 $142 $1,582 $132
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Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Price information does not factor in garaging location in Portland which can raise or lower rates significantly.

Impact of citations and accidents on Portland insurance rates

The chart below demonstrates how citations and at-fault accidents can increase Kia Forte car insurance costs for each different age category. Data assumes a single female driver, comp and collision included, $250 deductibles, and no discounts are applied.

Kia Forte insurance costs by age and gender

The information below shows the difference between Kia Forte insurance premiums for male and female drivers. Data assumes no claims or driving citations, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no discounts are applied.

How Insurance Providers Calculate Kia Forte Insurance Prices

Part of the car insurance buying process is learning a few of the rating criteria that are used to determine the level of your policy premiums. If you know what determines base rates, this enables you to make decisions that can earn you lower car insurance prices. Lots of factors are part of the calculation when premium rates are determined. A few of the factors are predictable such as your driving history, but other factors are less obvious like where you live or your vehicle rating.

Your location is a factor – Choosing to live in less populated areas of the country is a positive aspect when it comes to car insurance. Fewer drivers on the road means reduced accidents and also fewer theft and vandalism claims. Drivers in populated Oregon areas regularly have more auto accidents and more time behind the wheel. More time behind the wheel means a statistically higher chance of an accident.

Increase deductibles to save – Physical damage deductibles state the amount of money you are required to spend out-of-pocket if a covered claim is submitted. Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some coverage claims would be rear-ending another vehicle, fire damage, or theft of your vehicle. The larger the amount you have to pay, the lower your rates will be.

Liability coverage limits on your policy – Liability insurance kicks in when you are found to be at fault for causing personal injury or damage in an accident. Your liability coverage provides legal defense which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.

Multiple policies with one company can save – Most major insurance companies will give better rates to customers that have more than one policy, otherwise known as a multi-policy discount. Even with this discount applied, it’s in your best interest to compare other company rates to guarantee you are still saving the most.There is a good possibility that you can save money even if you insure with multiple companies

Insurance losses for a Kia Forte – Car insurance companies take into consideration historical loss data for every vehicle when setting rates for each model. Models that are shown to have a trend towards higher claim severity or frequency will have a higher cost to insure.

The table below demonstrates the historical insurance loss data for Kia Forte vehicles. For each policy coverage type, the claim probability for all vehicles, regardless of make or model, is equal to 100. Values that are under 100 are indicative of better than average losses, while numbers above 100 indicate frequent claims or statistically larger claims.

Car Insurance Loss Data for Kia Forte Models
Make and 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

Empty fields indicate not enough data collected
Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Three reasons to not skimp on car insurance

Even though it can be expensive, paying for car insurance serves a purpose in several ways.

First, just about all states have mandatory liability insurance requirements which means the state requires a specific level of liability protection if you don’t want to risk a ticket. In Oregon these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.

Second, if your car has a loan, it’s most likely the lender will require that you buy full coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank will be required to insure your Kia at a significantly higher premium and require you to pay a much higher amount than you were paying before.

Third, car insurance preserves both your vehicle and your assets. It will also cover many types of medical costs for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, will also pay to defend you if you are named as a defendant in an auto accident. If your Kia gets damaged, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of carrying adequate insurance greatly outweigh the cost, especially if you ever need it. The average driver in Oregon is currently overpaying as much as $830 a year so it’s very important to do a rate comparison each time the policy renews to ensure rates are inline.

Oregon car insurance company ratings

Ending up with a highly-rated company is difficult considering how many companies there are to choose from in Portland. The company rank data in the next section could help you choose which providers to look at buying from.

Top 10 Portland Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. AAA Insurance
  7. State Farm
  8. Mercury Insurance
  9. Nationwide
  10. Safeco