The most effective way to get more affordable auto insurance rates in Raleigh is to start comparing prices regularly from companies in North Carolina. You can compare prices by following these guidelines.
- First, try to learn about how insurance works and the measures you can control to prevent expensive coverage. Many things that result in higher rates like distracted driving and a not-so-good credit rating can be rectified by making lifestyle changes or driving safer.
- Second, compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from one company like Progressive or Allstate, while agents who are independent can provide price quotes for a wide range of insurance providers. Find a Raleigh insurance agent
- Third, compare the price quotes to your existing coverage to see if a cheaper price is available in Raleigh. If you find a lower rate quote and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Fourth, provide notification to your current company to cancel your current policy. Submit the completed application along with a down payment to the new company. Once the paperwork is finalized, store the certificate verifying coverage in your glove compartment.
The key aspect of shopping around is that you’ll want to compare identical limits and deductibles on each quote request and and to analyze as many auto insurance providers as possible. Doing this ensures a fair rate comparison and the best rate selection.
Amazingly, a recent NerdWallet.com study showed that a large majority of drivers kept buying from the same company for well over three years, and approximately 40% of consumers have never compared rates to find affordable insurance. Many consumers in Raleigh could save an average of up to 10% each year by just shopping around, but they don’t want to spend time to find affordable insurance rates.
If you currently have car insurance, you stand a good chance to be able to find the best rates using the ideas you’re about to read. Locating the best rates in Raleigh is easy if you know what you’re doing. But North Carolina car owners must learn the methods companies use to set your policy premium because rates are impacted by many factors.
Affordable companies for Kia Forte insurance in North Carolina
The providers in the list below offer comparison quotes in North Carolina. To get cheap car insurance in Raleigh, it’s a good idea that you get price quotes from several of them to get the lowest price.
Insurance coverage analysis
The premium information shown next covers a range of insurance costs for Kia Forte models. Having a good grasp of how insurance prices are determined can assist in making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $174 | $264 | $336 | $20 | $100 | $894 | $75 |
| Forte EX 4-Dr Sedan | $174 | $264 | $336 | $20 | $100 | $894 | $75 |
| Forte SX 4-Dr Sedan | $196 | $322 | $336 | $20 | $100 | $974 | $81 |
| Forte EX 2-Dr Coupe | $196 | $378 | $380 | $22 | $114 | $1,090 | $91 |
| Forte SX 2-Dr Coupe | $196 | $378 | $380 | $22 | $114 | $1,090 | $91 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Estimates do not factor in specific location information which can affect premium rates greatly.
Rate comparison for different deductibles
One of the hardest decisions when shopping for car insurance is which deductibles should you choose. The premium rates below may help you to understand the premium difference between high and low comp and collision deductibles. The first data table uses a $100 deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $214 | $318 | $250 | $14 | $74 | $895 | $75 |
| Forte EX 4-Dr Sedan | $214 | $318 | $250 | $14 | $74 | $895 | $75 |
| Forte SX 4-Dr Sedan | $242 | $386 | $250 | $14 | $74 | $991 | $83 |
| Forte EX 2-Dr Coupe | $242 | $456 | $282 | $16 | $84 | $1,105 | $92 |
| Forte SX 2-Dr Coupe | $242 | $456 | $282 | $16 | $84 | $1,105 | $92 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $118 | $168 | $250 | $14 | $74 | $624 | $52 |
| Forte EX 4-Dr Sedan | $118 | $168 | $250 | $14 | $74 | $624 | $52 |
| Forte SX 4-Dr Sedan | $134 | $204 | $250 | $14 | $74 | $676 | $56 |
| Forte EX 2-Dr Coupe | $134 | $240 | $282 | $16 | $84 | $756 | $63 |
| Forte SX 2-Dr Coupe | $134 | $240 | $282 | $16 | $84 | $756 | $63 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Rate quotes do not factor in specific location information which can influence premiums substantially.
We can derive from the above data that using a $100 deductible costs roughly $26 more each month or $312 each year averaged for all Forte models than opting for the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 35 months between claims, you would more than likely save some money if you opt for a higher deductible. The table below illustrates how this calculation is made.
| Average monthly premium for $100 deductibles: | $83 |
| Average monthly premium for $1,000 deductibles (subtract): | – $57 |
| Monthly savings from raising deductible: | $26 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $26 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 35 months |
One important note is that a higher deductible means you will have to pay more of your own money when you do file a claim. You need enough disposable savings in order to pay the deductible for vehicle repair.
How accidents and violations affect rates
The chart below illustrates how traffic citations and fender-benders can affect Kia Forte car insurance rates for different categories of driver ages. The data assumes a married female driver, full coverage, $100 deductibles, and no discounts are applied to the premium.
Yearly car insurance costs for men versus women
The example below illustrates the difference between Kia Forte insurance prices for male and female drivers. Data assumes no claims or violations, comprehensive and collision coverage, $100 deductibles, single status, and no discounts are applied.
Affordable Kia Forte insurance rates in Raleigh
Some insurance providers don’t always publicize every policy discount in a way that’s easy to find, so the list below details both the well known as well as the least known discounts you could be receiving when you buy Raleigh auto insurance online.
- Theft Deterrent – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and can earn a small discount on your policy.
- Defensive Driver Discounts – Completing a defensive driver class could earn you a small percentage discount and easily recoup the cost of the course.
- One Accident Forgiven – Not really a discount, but some companies like Progressive and Allstate may permit one accident before raising your premiums so long as you are claim-free for a certain period of time.
- Claim Free – Drivers with accident-free driving histories can earn big discounts compared to policyholders that have many claims.
- Braking Control Discount – Cars and trucks equipped with ABS or steering control are much safer to drive so you can save 10 percent or more.
- More Vehicles More Savings – Buying a policy with multiple cars with the same auto insurance company can get a discount on all vehicles.
- Discount for New Cars – Buying auto insurance coverage on a new vehicle can get you a discount because new model year vehicles are generally safer.
- Sign Early and Save – Select insurance companies give a discount for buying a new policy prior to your current Forte insurance policy expiration. The savings is around 10%.
We need to note that most discounts do not apply to the whole policy. Most only cut the price of certain insurance coverages like medical payments or collision. Just because you may think you could get a free auto insurance policy, it doesn’t quite work that way. Any qualifying discounts will help reduce your policy cost.
The diagram below illustrates the comparison of Kia Forte insurance costs with and without discounts applied to the policy premium. The data assumes a female driver, no accidents or driving violations, North Carolina state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, marriage, multi-car, claim-free, and homeowner discounts applied.
Car insurance companies that may offer policyholders some of the above discounts may include but are not limited to:
Before you buy a policy, ask all the companies what discounts are available to you. Savings may not be available everywhere. To find providers who offer free Kia Forte insurance quotes in Raleigh, click here to view.
How You Can Control Kia Forte Insurance Premiums
When buying auto insurance it’s important to understand the rating factors that play a part in calculating auto insurance rates. If you understand what determines base rates, this helps enable you to make changes that could help you find lower rates. Lots of things are used in the calculation when pricing auto insurance. Some factors are common sense such as your driving record, although others are less apparent such as whether you are married or your vehicle rating.
The following are a few of the things used by your company to calculate your prices.
More stress means more cost – Careers like doctors, social workers, and miners usually pay the highest average rates attributed to high stress levels and long work hours. Other professions such as actors, historians and homemakers get better rates.
Discounts for married couples – Having a spouse helps lower the price on auto insurance. Having a significant other is viewed as being more responsible and statistics show drivers who are married are more cautious.
Prevent theft and save – Owning a car with a theft deterrent system can help bring down rates. Theft prevention devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder your car from being stolen.
Big cities have higher costs – Living in small towns and rural areas can be a good thing when shopping for auto insurance. Fewer drivers means fewer accidents in addition to fewer liability claims. Residents of big cities regularly have more auto accidents and a longer drive to work. Higher commute times translates into higher accident risk.
Credit rating impacts rates – Having a good credit rating factor in calculating your auto insurance rates. People that have excellent credit scores tend to be better risks to insure than those with lower credit ratings. If your credit history is low, you could potentially save money when insuring your Kia Forte by improving your rating.
Small coverages can add up – Insurance companies have many extra add-on coverages that you can get tricked into buying if you aren’t diligent. Add-on coverages like rental car coverage, death and dismemberment, and membership fees are probably not needed. The coverages may be enticing when buying your policy, but if you have no use for them eliminate the coverages to reduce your premium.
Insurance loss data for Kia Forte vehicles – Car insurance companies analyze past claim statistics to help set a rate to offset losses. Vehicles that statistically have increased claim numbers or amounts will have higher rates. The table below illustrates the historical loss data for Kia Forte vehicles.
For each coverage type, the statistical loss for all vehicles as a whole is equal to 100. Percentage values below 100 mean the vehicle has better than average losses, while percentage numbers above 100 point to more frequent losses or tendency to have larger claims.
| 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: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Local Raleigh insurance agents and car insurance
Certain consumers just prefer to get advice from a local agent. The biggest benefit of price shopping on the web is the fact that drivers can get better rates and still have a local agent. And providing support for small agencies is important especially in Raleigh.
To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is instantly submitted to agents in your area who want to provide quotes for your coverage. You won’t even need to do any legwork because quoted prices will be sent to the email address you provide. You can find the lowest rates and a licensed agent to talk to. In the event you want to get a comparison quote from a specific company, just find their quoting web page and complete a quote there.
Shown below are Raleigh insurers that may be able to provide comparison quotes for Kia Forte insurance in Raleigh.
Protective Agency
2026 New Bern Ave – Raleigh, NC 27610 – (919) 231-2281 – View Map
Chapman Insurance Agency, Inc.
6829 Falls of Neuse Rd #103 – Raleigh, NC 27615 – (919) 676-5066 – View Map
Gina Tickle – State Farm Insurance Agent
8212 Creedmoor Rd #101 – Raleigh, NC 27613 – (919) 847-9774 – View Map
Blackmon Insurance
3416 Poole Rd # 110 – Raleigh, NC 27610 – (919) 231-8131 – View Map
Selecting a provider requires you to look at more than just a cheap quote. The questions below may impact your decision as well.
- Who is covered by the car insurance policy?
- Do you work with a CSR or direct with the agent?
- If they are an independent agency in Raleigh, which companies do they recommend?
- If your car is in the repair shop, do you have coverage for a rental car?
- How much experience to they have in personal lines coverages?
- Did they already check your driving record and credit reports?
- Will your rates increase after a single accident?
After receiving good responses and a low price estimate, it’s possible that you found a company that is a good match to service your policy. It’s important to know that it’s your coverage and you can terminate your policy whenever you wish so never assume that you’re stuck with the car insurance policy with no way out.
Which auto insurance company is best in Raleigh?
Insuring your vehicle with the highest-rated car insurance company is difficult considering how many companies sell coverage in North Carolina. The company ratings in the lists below could help you select which coverage providers to look at when comparing rate quotes.
Top 10 Raleigh Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
In conclusion
When you buy Raleigh auto insurance online, do not buy poor coverage just to save money. There have been many cases where drivers have reduced liability coverage limits to discover at claim time that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at a price you can afford while still protecting your assets.
We’ve covered a lot of techniques to lower your Kia Forte insurance prices in Raleigh. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the lowest priced insurance comes from a small local company. They may often insure only within specific states and give better rates than the large multi-state companies such as Allstate and Progressive.
Additional information can be found at these links:
- All About Airbag Safety (State Farm)
- Who Has the Cheapest Car Insurance for a Nissan Sentra in Raleigh? (FAQ)
- Who Has the Cheapest Raleigh Auto Insurance Quotes for Drivers Requiring a SR22? (FAQ)
- Who Has the Cheapest Raleigh Auto Insurance Rates for Low Income Drivers? (FAQ)
- Who Has Cheap Raleigh Auto Insurance Quotes for a 20 Year Old Male? (FAQ)
- How Much is Raleigh Car Insurance for a GMC Sierra? (FAQ)
- How Much is Auto Insurance for First-time Drivers in Raleigh? (FAQ)
- Who Has Affordable Car Insurance Rates for Drivers with Good Credit in Raleigh? (FAQ)
- Who Has Cheap Raleigh Auto Insurance for High School Students? (FAQ)
- How Much are Auto Insurance Rates for 17 Year Olds in Raleigh? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Learners Permit in Raleigh? (FAQ)
- What Car Insurance is Cheapest in Raleigh, North Carolina? (FAQ)
- Who Has Cheap Auto Insurance Rates for Drivers Under 21 in Raleigh? (FAQ)
- Insurance Losses by Make and Model (iihs.org)
- What Does No-Fault Insurance Cover? (Allstate)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)