Denver Full Coverage – 2018 Kia Forte LX

The 2018 Kia Forte LX is a compact sedan offering excellent value, fuel efficiency, and a comfortable ride. It’s a popular choice for budget-conscious drivers seeking a reliable and practical vehicle.

safe driver 2( 39 year old male , Single , Denver )
Year/Make Model: 2018 Kia Forte LX
Ownership Status: 2+ years
Discounts: Preferred Driver Discount and Paperless
2018 kia forte lx
Selected Coverages With Bristol West
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:

  1. Driver Profile: Clean driving records and good credit scores reduce premiums.
  2. Location: Urban areas tend to have higher rates due to traffic density and accident rates.
  3. Vehicle Use: Daily commuting or high annual mileage can increase premiums.
  4. Coverage Levels: Opting for higher liability limits or full coverage will increase costs.

Tips to Lower Insurance Costs:

  1. Safe Driving Discounts: Enroll in telematics programs like Progressive’s Snapshot or Geico’s DriveEasy.
  2. Bundle Policies: Combine auto insurance with home or renters insurance.
  3. Higher Deductibles: Choose a $1,000 deductible instead of $500 to reduce premiums.
  4. Compare Providers: Get quotes from multiple companies to find the best rate.
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