A recent insurance study discovered that a large majority of insurance policyholders have been with the same company for at least four years, and almost 40% of drivers have never quoted insurance rates at all. Many consumers in Nevada could save nearly $550 every year just by comparing rates, but most undervalue how much money they would save if they switched.
The best way to get the cheapest Kia Forte insurance in Henderson is to compare quotes once a year from providers who sell auto insurance in Nevada.
- Step 1: Try to learn a little about how auto insurance works and the modifications you can make to prevent expensive coverage. Many factors that increase rates like traffic citations and a negative credit score can be rectified by being financially responsible and driving safely.
- Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like Progressive or Allstate, while independent agents can provide prices for a wide range of companies.
- Step 3: Compare the price quotes to your current policy premium to see if a cheaper price is available. If you find a lower rate and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
The key thing to know about shopping around is to make sure you’re comparing the same physical damage deductibles and liability limits on each quote request and and to get price quotes from as many different insurance providers as possible. This guarantees the most accurate price comparison and a complete price analysis.
Buying the cheapest auto insurance in Henderson is quite easy. If you have a current auto insurance policy, you will be able to buy cheaper auto insurance using the ideas presented in this article. Vehicle owners only have to learn the proper methods to compare rates from many companies at once.
Get Kia Forte Insurance at a Discount
Lots of factors are considered when you quote your car insurance policy. Some of the criteria are obvious such as your driving history, but some are more obscure like your continuous coverage or how financially stable you are.
The itemized list below are just a few of the factors car insurance companies consider when setting premiums.
- Liability protection is critical – Liability coverage is the coverage that protects you if a jury decides you are liable for physical damage or personal injury to other. Liability provides legal defense starting from day one. Liability insurance is quite affordable compared to other policy coverages, so do not cut corners here.
- Higher physical damage deductibles cost less – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Kia. A few examples of covered claims are a windshield shattered by a rock, flood damage, and rolling your vehicle. The deductibles are how much you are willing to pay if you file a covered claim. The more of the claim you pay before a claim is paid (deductible), the less money you will pay for car insurance.
- Safer cars are cheaper to insure – Cars with high safety ratings get lower rates. Vehicles built for safety help reduce the chance of injuries in an accident and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates.
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What type of vehicle do you drive? – The type of car you are insuring makes a big difference in the rate you pay. The lowest base rates will normally be found when insuring low performance passenger models, but many other things help determine your insurance rates.
The chart below is based on a married female driver age 30, full coverage with $500 deductibles, and no discounts or violations. It shows Kia Forte rates compared to other models of vehicles that have a range of risk factors.
- More annual miles equals more premium – The more you drive in a year the more you’ll pay to insure your vehicle. A lot of insurance companies charge rates determined by how the vehicle is used. Cars and trucks that have low annual miles can get a lower rate compared to those used for work or business. Incorrect rating for your Forte is throwing money out the window. It’s a good idea to make sure your vehicle rating correctly shows the correct usage.
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Loss probability for a Kia Forte – Companies use claims history to help calculate a profitable premium price. Vehicles that the data shows to have higher losses will cost more for coverage. The next table illustrates the insurance loss data for Kia Forte vehicles.
For each coverage category, the claim probability for all vehicles as a whole equals 100. Numbers below 100 indicate better than average losses, while values that are 100 or greater indicate higher probability of having a loss or statistically larger losses.
Insurance Loss Ratings for Kia Forte Vehicles Vehicle 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
The quickest way to compare car insurance company rates for Kia Forte insurance in Henderson is to realize auto insurance companies allow for online access to give you rate quotes. To get started, all you need to do is spend a couple of minutes providing details like daily mileage, if the car is leased, whether the vehicles are used for commuting, and if you require a SR-22. The rating information is instantly provided to many different companies and they provide comparison quotes quickly.
To start a rate quote now, click here and complete the quick form.
The following companies are ready to provide price comparisons in Henderson, NV. If you wish to find the best cheap auto insurance in Henderson, we recommend you visit two to three different companies to get the best price comparison.
Insurance rate breakdown
The coverage information shown below highlights different insurance prices for Kia Forte models. Knowing how insurance policy premiums are formulated can assist in making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $264 | $406 | $416 | $24 | $124 | $1,234 | $103 |
| Forte EX 4-Dr Sedan | $264 | $406 | $416 | $24 | $124 | $1,234 | $103 |
| Forte SX 4-Dr Sedan | $298 | $494 | $416 | $24 | $124 | $1,356 | $113 |
| Forte EX 2-Dr Coupe | $298 | $582 | $470 | $28 | $140 | $1,518 | $127 |
| Forte SX 2-Dr Coupe | $298 | $582 | $470 | $28 | $140 | $1,518 | $127 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in specific garaging location which can revise premium rates substantially.
Analysis of deductible levels
One of the more difficult decisions when buying car insurance is how high should the physical damage coverage deductibles be. The data tables below outline the differences in premium rates when you buy lower versus higher coverage deductibles. The first set of prices uses a $100 deductible for comp and collision 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 | $266 | $394 | $308 | $18 | $92 | $1,103 | $92 |
| Forte EX 4-Dr Sedan | $266 | $394 | $308 | $18 | $92 | $1,103 | $92 |
| Forte SX 4-Dr Sedan | $300 | $478 | $308 | $18 | $92 | $1,221 | $102 |
| Forte EX 2-Dr Coupe | $300 | $564 | $348 | $20 | $104 | $1,361 | $113 |
| Forte SX 2-Dr Coupe | $300 | $564 | $348 | $20 | $104 | $1,361 | $113 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $148 | $208 | $308 | $18 | $92 | $774 | $65 |
| Forte EX 4-Dr Sedan | $148 | $208 | $308 | $18 | $92 | $774 | $65 |
| Forte SX 4-Dr Sedan | $166 | $252 | $308 | $18 | $92 | $836 | $70 |
| Forte EX 2-Dr Coupe | $166 | $298 | $348 | $20 | $104 | $936 | $78 |
| Forte SX 2-Dr Coupe | $166 | $298 | $348 | $20 | $104 | $936 | $78 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Premium costs do not factor in specific garaging location which can raise or lower insurance rates significantly.
Based on this data, using a $100 deductible costs approximately $31 more each month or $372 each year across all Kia Forte models than opting for the higher $1,000 deductible. Since you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 29 months between claims, you would most likely save money by selecting a higher deductible.
Calculate deductible break even point
| Average monthly premium for $100 deductibles: | $102 |
| Average monthly premium for $1,000 deductibles (subtract): | – $71 |
| Monthly savings from raising deductible: | $31 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $31 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 29 months |
One important caveat is that a higher deductible level means you will have to pay more when you have a claim. You need enough disposable income in the event you have to pay the deductible for vehicle repair.
Illustration showing the impact of accidents and violations
The information below highlights how speeding tickets and accident claims increase Kia Forte insurance rates for each age group. The premiums are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
Full coverage rates vs. liability-only
The diagram below illustrates the difference between Kia Forte premium costs with full coverage compared to only the Nevada minimum liability coverage. The prices are based on no claims or driving violations, $1,000 deductibles, single marital status, and no additional discounts are factored in.
Guidelines for dropping full coverage
There is no exact formula for phasing out full coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.
For example, let’s say your Kia Forte replacement cost is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $4,000 after paying the physical damage deductible. If premium cost is more than $400 a year for full coverage, then you might consider buying liability only.
There are some cases where only buying liability is not advised. If you still owe a portion of the original loan, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.
Insurance does more than just repair your car
Even though it can be expensive, buying insurance may not be optional for several reasons.
- Just about all states have minimum liability requirements which means state laws require specific minimum amounts of liability if you drive a vehicle. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Kia has a loan, most lenders will require that you have comprehensive coverage to guarantee payment of the loan. If the policy lapses, the bank or lender will purchase a policy for your Kia at a much higher rate and require you to reimburse them the higher premium.
- Insurance protects not only your Kia Forte but also your financial assets. It will also provide coverage for hospital and medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance outweigh the cost, especially when you need to use it. The average driver in America is wasting up to $865 each year so shop around each time the policy renews to save money.
Earn discounts to get lower-cost Henderson car insurance quotes
Auto insurance companies don’t always publicize every discount in an easy-to-find place, so the following list contains a few of the more well known and also the lesser-known credits available to bring down your rates. If you are not receiving all the discounts possible, you’re just leaving money on the table.
- Smart Student Discounts – A discount for being a good student may save as much as 25% on a Henderson auto insurance quote. Most companies allow this discount up until you turn 25.
- Multi-policy Discount – If you combine your homeowners and auto policies with one insurance company you could get a discount of up to 20% off your total Forte insurance premium.
- Defensive Driving Course – Passing a safe driver course can save you 5% or more and easily recoup the cost of the course.
- Senior Citizens – Mature drivers may be able to get lower premium rates.
- Discounts for Government Workers – Being employed by or retired from a federal job could provide a small rate reduction with some car insurance companies.
- Discounts for Good Drivers – Drivers who avoid accidents may save up to 50% more compared to accident prone drivers.
- E-sign – A handful of insurance companies will give you a small discount get Henderson auto insurance online.
- Use Seat Belts – Forcing all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
- No Claims – Drivers with accident-free driving histories have much lower rates as compared to drivers with a long claim history.
- No Charge for an Accident – This one isn’t a discount, but some insurance companies will let one accident slide before they charge you more for coverage so long as you haven’t had any claims before the accident.
A quick disclaimer, some credits don’t apply to the entire policy premium. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, it just doesn’t work that way.
The example below illustrates the difference between Kia Forte insurance premiums with and without discounts applied to the policy rates. The rates are based on a female driver, no accidents or driving violations, Nevada state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, homeowner, multi-car, safe-driver, and multi-policy discounts applied.
Some companies that may offer these money-saving discounts may include but are not limited to:
If you are trying to find affordable Henderson auto insurance quotes, ask every prospective company what discounts are available to you. Savings may not be available in Henderson. To choose insurance companies with discount rates in Henderson, follow this link.
Get rate quotes but still have a local Henderson insurance agency
Certain consumers still like to talk to an insurance agent and that is a personal choice. Good agents can help you build your policy and help file insurance claims. A good thing about comparing rates online is you can get lower rates and still choose a local agent.
Once you complete this short form, your information is sent to local insurance agents who want to provide quotes for your business. It simplifies rate comparisons since you won’t have to leave your computer since rate quotes are delivered to you. If for some reason you want to compare prices from a specific company, just jump over to their website and give them your coverage information.
Finding a good insurer should depend on more than just the bottom line cost. Below are some questions you should ask.
- Is the agent CPCU or CIC certified?
- Do they specialize in personal lines auto insurance in Henderson?
- Is there a Errors and Omissions policy in force?
- Which family members are covered?
- How is replacement cost determined on your vehicle?
- How much experience to they have in personal lines coverages?
- If independent agents, which companies do they recommend?
- Where would glass claims be handled in Henderson?
Independent or Exclusive: It’s your choice
When narrowing the list to find an insurance agent, you must know there are a couple types of insurance agents and how they can quote your rates. Henderson agents are either independent agents or exclusive agents. Both types can provide insurance policies, but we need to point out how they differ because it can influence which agent you choose.
Exclusive Agencies
These agents can only write with one company and examples are Farmers Insurance, Allstate, or State Farm. They generally cannot provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. They receive a lot of sales training on their company’s products and that enables them to sell even at higher rates. Consumers often use the same agent primarily because of the brand name rather than low rates.
The following is a short list of exclusive agencies in Henderson that are able to give price quotes.
- State Farm: Carl Endorf
120 S Green Valley Pkwy #164 – Henderson, NV 89012 – (702) 834-7070 – View Map - Allstate Insurance: Kevin Walker
55 S Gibson Rd #106 – Henderson, NV 89012 – (702) 938-5050 – View Map - GEICO Insurance Agent
19 S Stephanie St #190 – Henderson, NV 89012 – (702) 565-9198 – View Map
Independent Agents (or Brokers)
Agents that choose to be independent are appointed with more than one company and that enables them to quote your coverage with a variety of different insurance companies and potentially find a lower price. If you want to switch companies, they simply move the coverage in-house and you won’t have to switch agencies. If you are trying to find cheaper rates, you definitely need to get several quotes from at least one independent agent for maximum quote selection. Many can place coverage with less well-known companies which can be an advantage.
The following is a short list of independent insurance agents in Henderson that can give you price quotes.
- Yoder Insurance Ltd
283 Grand Olympia Dr – Henderson, NV 89012 – (702) 434-7640 – View Map - Centurion Insurance Services
1399 Galleria Dr #201 – Henderson, NV 89014 – (702) 871-0001 – View Map - Balsiger Insurance
3481 E Sunset Rd #100 – Las Vegas, NV 89120 – (702) 220-8640 – View Map
Shop smart and save
When searching for affordable Kia Forte insurance quotes, it’s a bad idea to skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped uninsured motorist or liability limits and found out when filing a claim that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at the best price, but do not skimp to save money.
Some companies do not offer rate quotes online and most of the time these small insurance companies prefer to sell through independent insurance agents. Budget-friendly auto insurance in Henderson is possible from both online companies and with local Henderson insurance agents, so you should be comparing quotes from both to get a complete price analysis.
Insureds leave their current company for any number of reasons including delays in responding to claim requests, delays in paying claims, being labeled a high risk driver or even denial of a claim. No matter why you want to switch, finding a great new company can be pretty painless.
Much more information about auto insurance in Nevada can be found on the following sites:
- State Laws for Cellphones and Texting (iihs.org)
- How Much are Henderson Car Insurance Rates for 16 Year Olds? (FAQ)
- Who Has the Cheapest Henderson Auto Insurance for Low Mileage Drivers? (FAQ)
- What Auto Insurance is Cheapest for a Nissan Altima in Henderson? (FAQ)
- Winter Driving (Insurance Information Institute)
- Auto Insurance Facts and Statistics (Insurance Information Institute)