Inconceivable but true, 70% of consumers kept buying from the same company for at least four years, and approximately 38% of consumers have never compared rates from other carriers. Santa Ana drivers can save as much as 35% each year just by comparing rates, but they won't spend time to compare rate quotes online.
To save the most money, the best way to find cheaper prices for Kia Forte insurance is to compare quotes once a year from insurers who provide car insurance in Santa Ana. Prices can be compared by following these steps.
- Spend a few minutes and learn about how companies set rates and the measures you can take to prevent expensive coverage. Many risk factors that increase rates like high-risk driving behaviors and a less-than-favorable credit rating can be rectified by paying attention to minor details. This article provides more information to help prevent expensive coverage and get additional discounts.
- Compare prices from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like GEICO or State Farm, while agents who are independent can quote rates for a wide range of companies. View rates
- Compare the quotes to your existing rates to see if you can save by switching companies. If you find better rates and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Tell your current agent or company to cancel your current policy. Submit a down payment and signed policy application to your new agent or company. Be sure to put the new certificate of insurance above your visor, in the console, or in the glove compartment.
A key point to remember is to use the same amount of coverage on each price quote and and to compare every company you can. Doing this ensures a fair rate comparison and the best price selection.
Cheaper Santa Ana insurance rates with discounts
Properly insuring your vehicles can get expensive, but companies offer discounts to reduce the price significantly. Some of these discounts will be visible at the time of purchase, but less common discounts must be manually applied prior to getting the savings.
- Sign Online - A handful of insurance companies may give you up to $50 simply for signing on their website.
- Accident Free - Good drivers with no accidents pay much less compared to accident-prone drivers.
- Drive Less and Save - Driving less may allow you to get cheaper prices.
- Distant Student Discount - College-age children living away from Santa Ana attending college and do not have a car may be insured at a cheaper rate.
- Anti-lock Brakes - Cars equipped with ABS or steering control can avoid accidents and the ABS can save up to 10%.
- Drivers Education - Cut your cost by having your teen driver take driver's ed class in high school.
- Seat Belts Save more than Lives - Drivers who always wear seat belts and also require passengers to buckle their seat belts can save up to 15% off the medical payments premium.
Keep in mind that most discounts do not apply to the whole policy. Some only reduce the price of certain insurance coverages like medical payments or collision. So when the math indicates all those discounts means the company will pay you, you won't be that lucky.
The chart below illustrates the difference between Kia Forte insurance prices with and without discounts applied. The data assumes a male driver, no accidents or driving violations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, homeowner, marriage, multi-policy, and multi-car discounts applied.
To view providers that offer discounts in Santa Ana, click this link.
How much does Kia Forte insurance in Santa Ana, CA cost?
When quoting auto insurance, remember that comparing all the rates in your area will enable you to find a better price. Some companies don't provide Santa Ana Forte insurance quotes online, so it's important to compare quotes from the smaller companies as well.
The companies in the list below can provide price quotes in California. If multiple companies are shown, we recommend you visit several of them in order to get a fair rate comparison.
Coverage information
The rate information displayed next covers a range of insurance premium costs for Kia Forte models. Having a good understanding how policy rates are established can help guide drivers when making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Forte EX 4-Dr Sedan | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Forte SX 4-Dr Sedan | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Forte EX 2-Dr Coupe | $314 | $546 | $500 | $30 | $150 | $1,540 | $128 |
| Forte SX 2-Dr Coupe | $314 | $546 | $500 | $30 | $150 | $1,540 | $128 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Estimates do not factor in your specific Santa Ana location which can influence premium rates greatly.
Comparison of policy deductibles
When shopping for auto insurance, a common question is how high should your deductibles be. The rates shown below help summarize the cost difference when you choose different policy deductibles. The first rate comparisons uses a $100 deductible for physical damage and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Forte EX 4-Dr Sedan | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Forte SX 4-Dr Sedan | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Forte EX 2-Dr Coupe | $430 | $810 | $500 | $30 | $150 | $1,945 | $162 |
| Forte SX 2-Dr Coupe | $430 | $810 | $500 | $30 | $150 | $1,945 | $162 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $210 | $298 | $442 | $26 | $132 | $1,108 | $92 |
| Forte EX 4-Dr Sedan | $210 | $298 | $442 | $26 | $132 | $1,108 | $92 |
| Forte SX 4-Dr Sedan | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Forte EX 2-Dr Coupe | $238 | $426 | $500 | $30 | $150 | $1,344 | $112 |
| Forte SX 2-Dr Coupe | $238 | $426 | $500 | $30 | $150 | $1,344 | $112 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rates do not factor in vehicle location which can increase or decrease coverage rates considerably.
Based on these figures, using a $100 deductible costs approximately $44 more each month or $528 for a full year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 20 months between claims, you would come out ahead by going with a higher deductible.
Calculation for raising deductibles
| Average monthly premium for $100 deductibles: | $146 |
| Average monthly premium for $1,000 deductibles (subtract): | - $102 |
| Monthly savings from raising deductible: | $44 |
| Difference between deductibles ($1,000 - $100): | $900 |
| Divide difference by monthly savings: | $900 / $44 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 20 months |
The example below illustrates how choosing a deductible and can impact Kia Forte annual premium costs for different insured age categories. The prices are based on a married male driver, full coverage, and no other discounts are factored in.
Yearly auto insurance costs for men versus women
The information below shows the comparison of Kia Forte insurance prices for male and female drivers. The costs are based on no claims or driving citations, comprehensive and collision coverage, $100 deductibles, single marital status, and no policy discounts are applied.
Cost of full coverage
The illustration below shows the comparison of Kia Forte insurance prices with full coverage and liability only. The premiums assume a clean driving record, no claims, $1,000 deductibles, drivers are not married, and no discounts are applied.
When to stop buying physical damage coverage
There isn't a written rule that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
For example, let's assume your Kia Forte claim settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $6,000 after paying your policy deductible. If premiums are more than $600 annually to have full coverage, then you might want to think about dropping full coverage.
There are some situations where dropping full coverage is not a good plan. If you haven't paid off your loan, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
How Insurance Providers Calculate Kia Forte Insurance Costs
Many factors are used in the calculation when you get a price on insurance. Some factors are common sense like a motor vehicle report, but some are more transparent like where you live or your financial responsibility. The best way to find cheaper car insurance is to take a look at the rating factors that come into play when calculating the rates you pay for car insurance. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that may reward you with better car insurance rates.
Poor driving leads to higher rates - How you drive has a huge affect on how much you pay. Just one ticket can bump up the cost to the point where it's not affordable. Drivers who don't get tickets pay lower auto insurance prices than their less careful counterparts. Drivers who have gotten license-revoking tickets such as DUI or reckless driving are required to prove financial responsibility with their state's licensing department in order to legally drive a vehicle.
The illustration below demonstrates how citations and accidents can affect Kia Forte yearly insurance costs for each different age group. The data is based on a single female driver, full coverage, $500 deductibles, and no additional discounts are factored in.
Raise coverage deductibles and save - Comp and collision deductibles are how much you are required to spend out-of-pocket in the event of a claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. A few examples of covered claims would be colliding with a stationary object, animal collisions, and damage caused by road hazards. The more of the claim you have to pay, the lower your rates will be.
Marriage is a factor - Having a spouse can actually save you money when shopping for car insurance. Having a significant other means you're more financially stable and insurance companies like that married drivers tend to file fewer claims.
Prices go up with performance - The performance of the car or truck you are insuring makes a significant difference in your rates. The lowest premiums will normally be found when insuring lower cost passenger models, but there are many factors that impact the final cost.
The next chart assumes a married female driver age 20, full coverage with $500 deductibles, and no discounts or violations. The data compares Kia Forte car insurance rates compared to other models of vehicles that have different performances.
Do you really need to file those car insurance claims? - Auto insurance companies in California generally give cheaper rates to drivers that do not abuse their auto insurance. If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
Extra policy coverages push up costs - There are many additional extra coverages that sound like a good idea at the time but may not be useful. Coverages for rental car coverage, better glass coverage, and motor club memberships may be costing you every month. You may think they are a good idea when buying your policy, but if you've never needed them in the past get rid of them and save.
Credit score impacts premium costs - An insured's credit score factor in determining your rates. So if your credit history can be improved, you could potentially save money when insuring your Kia Forte by taking the time to improve your credit score. Insureds with excellent credit scores tend to be more responsible and file fewer claims than those with lower credit scores.
Rates impacted by your city - Choosing to live in a rural area can be a good thing when it comes to car insurance. People in densely populated areas have more road rage incidents and more severe claims. Fewer drivers and short commutes means reduced accidents and a lower car theft rate.
Kia Forte insurance loss statistics - Insurance companies use past loss statistics for each vehicle when setting rates for each model. Models that statistically have higher claim amounts or frequency will cost more to insure.
The data below shows the historical loss data for Kia Forte vehicles. For each coverage type, the loss probability for all vehicles, as an average, equals 100. Values under 100 suggest a positive loss record, while numbers that are greater than 100 indicate frequent claims or statistically larger claims.
| Specific Kia 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
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
How do I know if I need professional advice?
Always remember that when buying proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone's situation is unique so your insurance should reflect that For example, these questions might point out if your situation might need professional guidance.
- What does medical payments cover?
- Does having multiple vehicles earn me a discount?
- Is my dog or cat covered if injured in an accident?
- Can I use my car for my catering business?
- Is coverage enough to protect my assets?
- How much cheaper are high deductibles?
- Is my cargo covered for damage or theft?
- What if a claim settlement is too low?
- Are combined or split liability limits better?
If you're not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.
What if I want to buy from local Santa Ana insurance agencies?
A small number of people would prefer to sit down and talk to an agent and that can be a great decision A good thing about comparing insurance prices online is the fact that you can find cheap insurance quotes and still buy from a local agent.
To help locate an agent, after submitting this short form, your insurance coverage information is submitted to local insurance agents who will give you bids for your insurance coverage. You won't even need to visit any agencies because quoted prices will be sent straight to your inbox. You can find the lowest rates and a licensed agent to work with. If you have a need to get a rate quote from one company in particular, don't hesitate to visit that company's website to submit a rate quote request.
Choosing an insurer requires you to look at more than just the bottom line cost. Any agent in Santa Ana should be forthright in answering these questions:
- Do they make recommendations based only on price?
- Can they provide you with a list of referrals?
- Does their agency support local causes in Santa Ana?
- Will their companies depreciate repairs to your car based on the mileage?
- Do they feel the quoted coverages are adequate?
- Can glass claims be handled at your home?
When narrowing the list to find an insurance agent, you should know the types of insurance agents to choose from. Insurance agencies are either independent agents or exclusive agents.
Exclusive Insurance Agents
Exclusive insurance agents can only write with one company and some examples include Allstate, Farmers Insurance or State Farm. Exclusive agencies are unable to provide prices from multiple companies so they really need to provide good service. Exclusive agencies are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents. Drivers often buy from exclusive agents mainly due to the brand legacy instead of buying on price only.
Below are Santa Ana exclusive agents who can help you get price quote information.
- Jose Gastelum - State Farm Insurance Agent
1780 E McFadden Ave Ste 114 - Santa Ana, CA 92705 - (714) 557-3344 - View Map - Aidee Lopez - State Farm Insurance Agent
3750 W McFadden Ave e - Santa Ana, CA 92704 - (714) 775-3090 - View Map - Farmers Insurance - Araceli Padilla
2424 N Grand Ave b - Santa Ana, CA 92705 - (714) 543-4638 - View Map
Independent Insurance Agencies
These type of agents are appointed with more than one company so they have the ability to put coverage amongst many companies enabling the ability to shop coverage around. If you want to switch companies, your agent can switch companies and you stay with the same agent. When shopping rates, it's a good idea to include rate quotes from a couple of independent agencies to have the most options to choose from. Many write coverage with mutual insurance companies that may have much lower rates than larger companies.
Below are Santa Ana independent agents willing to provide rate quotes.
- Velece Insurance
830 N Ross St - Santa Ana, CA 92701 - (714) 558-1034 - View Map - Sureguard Insurance Agency Inc
555 Park Center Dr #118 - Santa Ana, CA 92705 - (714) 464-8010 - View Map - Ayala's Insurance
2020 N Grand Ave #107 - Santa Ana, CA 92705 - (714) 210-5770 - View Map
Car insurance is not optional
Even though Santa Ana Forte insurance rates can get expensive, maintaining insurance may not be optional for several reasons.
- Just about all states have minimum mandated liability insurance limits which means state laws require specific limits of liability insurance in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Kia has a lienholder, almost all lenders will require you to buy insurance to guarantee their interest in the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Kia at a much higher premium rate and require you to reimburse them for the expensive policy.
- Car insurance protects both your Kia and your assets. Insurance will pay for medical bills incurred in an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if you are sued as the result of your driving. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.
The benefits of carrying enough insurance definitely exceed the cost, especially when you need to use it. According to a 2015 survey, the average American driver is overpaying more than $855 a year so you should quote your policy with other companies at every policy renewal to make sure the price is not too high.
Best auto insurance in Santa Ana
Choosing a high-quality insurer is difficult considering how many different companies there are to choose from in California. The ranking information in the lists below could help you choose which car insurance providers to look at shopping prices with.
Top 10 Santa Ana Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Top 10 Santa Ana Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance - 95%
- USAA - 94%
- AAA of Southern California - 92%
- AAA Insurance - 91%
- Nationwide - 90%
- State Farm - 90%
- The Hartford - 89%
- GEICO - 89%
- The General - 88%
- 21st Century - 88%
Be persistent to save money
Affordable Kia Forte insurance in Santa Ana can be bought both online as well as from independent agents in Santa Ana, so you need to shop Santa Ana car insurance with both to have the best chance of lowering rates. A few companies may not offer online rate quotes and many times these smaller providers work with local independent agencies.
We've covered quite a bit of information on how to compare Kia Forte insurance prices in Santa Ana. The most important thing to understand is the more providers you compare, the better your comparison will be. Consumers may even find the lowest prices are with a small mutual company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like Progressive or GEICO.
For more information, link through to the following helpful articles:
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Who Has the Cheapest Santa Ana Auto Insurance for 16 Year Olds? (FAQ)
- Who Has Affordable Santa Ana Car Insurance Rates for Real Estate Agents? (FAQ)
- Who Has Affordable Santa Ana Car Insurance Rates for a Nissan Altima? (FAQ)
- What Auto Insurance is Cheapest for Drivers with a Bad Driving Record in Santa Ana? (FAQ)
- What Auto Insurance is Cheapest for Seniors in Santa Ana? (FAQ)
- Understanding Rental Car Insurance (Insurance Information Institute)
- Things to Know Before you Cancel Insurance (Allstate)
- How to Avoid Staged Accidents (State Farm)