Year/Make Model: 2018 Kia Forte LX |
Ownership Status: 2+ years |
Discounts: Preferred Driver Discount and Paperless |
Selected Coverages With Bristol West |
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Bodily Injury Liability: $25,000 each person/ $50,000 each accident |
Property Damage Liability: $25,000 each accident |
Uninsured Motorist Bodily Injury: Rejected Comprehensive: 500 deductible Collision: 500 deductible |
Other Rejected Coverages: Medical Payments |
One of our Denver clients was in need of the cheapest insurance plan he could find. He had been shopping around for full coverage but had no luck finding a premium he liked. As we looked around we found that Bristol West came in at the cheapest with a monthly payment of $261.91! He was able to obtain this premium with discounts such as Preferred Driver and Paperless as well as rejecting Uninsured Motorist and Medical Payments.
Total 6 Month Premium: $1,571.50
Insurance Costs for a 2018 Kia Forte LX:
Insurance premiums for the Kia Forte are affordable due to its compact size and good safety ratings. Here’s an estimate:
Liability-Only:
- Standard Drivers: $40–$70 per month.
- High-Risk Drivers: $80–$120 per month.
- Young Drivers (under 25): $75–$110 per month.
Full Coverage:
- Standard Drivers: $100–$150 per month.
- High-Risk Drivers: $160–$230 per month.
- Young Drivers: $130–$190 per month.
Monthly Installments: $261.91
Factors Influencing Insurance Rates:
- Driver Profile: Clean driving records and good credit scores reduce premiums.
- Location: Urban areas tend to have higher rates due to traffic density and accident rates.
- Vehicle Use: Daily commuting or high annual mileage can increase premiums.
- Coverage Levels: Opting for higher liability limits or full coverage will increase costs.
Tips to Lower Insurance Costs:
- Safe Driving Discounts: Enroll in telematics programs like Progressive’s Snapshot or Geico’s DriveEasy.
- Bundle Policies: Combine auto insurance with home or renters insurance.
- Higher Deductibles: Choose a $1,000 deductible instead of $500 to reduce premiums.
- Compare Providers: Get quotes from multiple companies to find the best rate.