Buying the best cheap car insurance for a Kia Forte in South Carolina is dependent upon many rating factors such as your birth date, whether or not you have prior claims, and citations or violations on your driving record. Drivers in South Carolina pay around $781 per year to insure their Forte, but that price is an approximation using a 40-year-old married female driver with full coverage and $1,000 deductibles.
There is a good probability you may not be 40 years old (or even female), maybe you are single instead of married, or maybe you prefer to not insure for full coverage. Insurance is an individual thing, so the way we recommend to find the cheapest rates for your Kia is to do the rate comparisons yourself. To start saving now, get free quotes and you will receive rate quotes from top-rated companies around.
Your Kia's trim level will influence the yearly cost, so the price you will pay to insure a Forte LX 4-Dr Sedan will be $176 cheaper than the insurance cost for the fancier Forte SX 2-Dr Coupe version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Forte LX 4-Dr Sedan||$140||$226||$358||$22||$108||$854||$71|
|Forte EX 4-Dr Sedan||$140||$226||$358||$22||$108||$854||$71|
|Forte SX 4-Dr Sedan||$158||$274||$358||$22||$108||$920||$77|
|Forte EX 2-Dr Coupe||$158||$322||$404||$24||$122||$1,030||$86|
|Forte SX 2-Dr Coupe||$158||$322||$404||$24||$122||$1,030||$86|
|Get Your Own Custom Quote Go|
Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rates do not factor in specific zip code location which can decrease or increase auto insurance rates greatly.
Finding good, low-priced car insurance is not easy, and finding out which companies have the lowest-priced insurance rates for a Kia Forte in South Carolina may require even more diligence. Each auto insurer uses their own calculation to set their prices, so to begin we'll rank the most affordable insurance companies in South Carolina.
We do need to point out that South Carolina insurance rates are impacted by many things that may substantially change the cost of your policy. This price variability is why consumers need to compare as many rates as possible when trying to get the most budget-friendly car insurance rates for a Kia Forte. Insurance rates consist of many things and change dramatically, so the most affordable company the last time you compared rates may now be quite expensive.
Compare Cheap Insurance Quotes for Your Forte
The Hartford quotes some of the most affordable car insurance rates in South Carolina at around $768 per year. USAA, State Auto, Auto-Owners, and SC Farm Bureau Mutual also are some of the more affordable South Carolina insurance companies.
In the above rates, if you currently have a policy with Auto-Owners and switched to USAA, you could earn yearly savings of about $126. Policyholders with SC Farm Bureau Mutual may save as much as $233 a year, and Southern Farm Bureau policyholders might realize rate reductions of up to $245 a year.
These premium estimates are averages across all drivers and vehicles and do not take into consideration a specific rate factor for a Kia Forte. So the insurer that is most affordable for your situation may not even be in the top 18 companies shown above. That is why you need to compare rates from as many companies as possible using your own personal information and vehicle type.
Bad driving habits will cost you more
The recommended way to maintain the most affordable insurance rates in South Carolina for a Forte is to be a cautious driver and not have accidents or get tickets. The information below demonstrates how traffic citations and at-fault collisions influence auto insurance costs for different age groups of insureds. The information is based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.
The data charted above shows the average cost of a car insurance policy per year with no accidents and a clean driving record is $2,146. Get written up for two speeding tickets and the average cost surges to $2,845, an increase of $699 each year. Now throw in one accident along with the two speeding tickets and the annual cost of insurance for a Kia Forte in South Carolina goes up to an average of $3,533. That's an increase of $1,387, or $116 per month, just for not driving attentively!
The diagram below illustrates how your choice of deductibles can increase or decrease yearly insurance costs when getting quotes for cheap insurance for a Kia Forte in South Carolina. The prices are based on a married male driver, comp and collision included, and no discounts are applied.
In the chart above, a 50-year-old driver could lower rates by $330 a year by increasing from a $100 deductible to a $500 deductible, or save $500 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old category, can cut $1,110 each year just by choosing higher deductibles. If you do make the decision to raise your deductibles, it is necessary to have additional funds in a savings account to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Here's why price comparisons are so important
South Carolina insurance rates are based on many factors which can significantly increase or decrease the price you have to pay for coverage. Getting older, moving to a new city, or getting caught speeding can trigger changes in premium that can cause some rates to be more affordable than competitors. Not only may your situation change, but insurers change their prices as often as every quarter to ensure their profitability. An extended period of higher than normal claims can cause higher rates, while a better claims history may result in cheaper Forte insurance rates.
To illustrate this example, the graph below shows the companies that have the cheapest car insurance in South Carolina for a 30-year-old female driver with no accidents or violations, and solid credit. If we estimate rates based on her personal profile, The Hartford quotes the best car insurance rates in South Carolina at $752 a year. This is $857 less than the average price paid by South Carolina drivers of $1,609. USAA, Auto-Owners, State Auto, and SC Farm Bureau Mutual are the remaining top five cheapest South Carolina auto insurance companies.
Let's now give the driver from above a chargeable claim, a little lower credit rating, and a traffic citation. Since each insurance company uses their own formula to determining premium rates, analyzing rate quotes may now present a substantially altered list of the cheapest car insurance companies in South Carolina as shown below.
USAA now has the cheapest auto insurance in South Carolina with National Grange Mutual, Travelers, State Farm, and Auto-Owners now rounding out the top five. This example proves why South Carolina drivers need to compare as many rates as possible when trying to get affordable auto insurance rates for a Kia Forte.
Prices can be determined by many different factors and change substantially, so the best option the last time you shopped around may now be one of the more expensive options.
How to find economical insurance for a Kia Forte in South Carolina
The list below summarizes some of the better penny-pinching suggestions that can help drivers get low-cost car insurance.
- Being accident-free can lower rates significantly
- Claim-free policyholders usually earn a discount
- Speeding tickets and other violations increase rates
- Buy safe vehicles
- Bundle home or renters insurance to earn a discount on car insurance
- Compare rate quotes often
That final tip is incredibly significant, as we hit on in this piece. Prices charged by companies can be changed at any time, so don't be hesitant to switch carriers if a cheaper price is available.
Many drivers prefer to stick with one company, but it's not recommended if that stubbornness costs you a considerable chunk of change every month. It takes less than five minutes to shop around and find cheaper auto insurance for a Kia Forte.