Anyone knows that insurance companies don’t want their customers to go rate shopping. Drivers who compare other rates are highly likely to switch companies because there is a high probability of finding more affordable rates. Remarkably, a study showed that drivers who regularly compared price quotes saved an average of $860 a year compared to those who didn’t regularly shop around.
If finding the cheapest rates on insurance in New Orleans is your objective, then having some insight into how to choose a company and compare coverages can help you succeed in finding affordable rates.
It takes a few minutes, but the best way to get cheaper auto insurance rates in New Orleans is to make a habit of comparing prices annually from providers in Louisiana.
Step 1: Learn about individual coverages and the steps you can take to prevent rate increases. Many factors that drive up the price such as accidents, traffic violations, and a negative credit history can be rectified by improving your driving habits or financial responsibility.
Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO or State Farm, while independent agencies can quote prices for a wide range of companies.
Step 3: Compare the new rate quotes to your current policy and see if there is a cheaper rate. If you find a better price, ensure coverage does not lapse between policies.
The most important part of this process is to compare the same coverage limits and deductibles on each quote request and and to get rates from as many companies as you can. This ensures an apples-to-apples comparison and maximum price selection.
How to get free Kia Forte insurance quotes online
Most companies make it easy to get coverage price quotes direct online. Comparing Kia Forte insurance rates online is fairly straightforward as you simply type in the coverage amounts you desire into the quote form. When complete, their rating system requests your driving record and credit report and generates a price based on the information you submitted. The ability to get online price quotes for Kia Forte insurance in New Orleans simplifies rate comparisons, and it is imperative to have as many quotes as possible if you are searching for a lower rate.
To compare pricing, compare rates from the companies below. To compare your current rates, we recommend you complete the form with the coverages just like they are on your policy. Doing this assures you will have rate comparison quotes for similar coverage.
The companies shown below are ready to provide price quotes in Louisiana. To get the best car insurance in Louisiana, we recommend you click on several of them in order to get a fair rate comparison.
Rate information and statistics
The coverage table displayed below showcases estimates of insurance coverage prices for Kia Forte models. Having a good grasp of how car insurance premiums are formulated is important to be able to make smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $308 | $488 | $488 | $28 | $146 | $1,458 | $122 |
| Forte EX 4-Dr Sedan | $308 | $488 | $488 | $28 | $146 | $1,458 | $122 |
| Forte SX 4-Dr Sedan | $348 | $592 | $488 | $28 | $146 | $1,602 | $134 |
| Forte EX 2-Dr Coupe | $348 | $698 | $552 | $32 | $166 | $1,796 | $150 |
| Forte SX 2-Dr Coupe | $348 | $698 | $552 | $32 | $166 | $1,796 | $150 |
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Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Louisiana minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in specific zip code location which can change premiums noticeably.
Safe drivers pay less for insurance
The example below demonstrates how citations and fender-benders influence Kia Forte auto insurance rates for each different age category. The data is based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.
Car insurance just makes sense
Even though New Orleans Forte insurance rates can get expensive, insuring your vehicle may not be optional for several reasons.
- Almost all states have minimum mandated liability insurance limits which means the state requires a minimum amount of liability insurance in order to be legal. In Louisiana these limits are 15/30/25 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Kia Forte has a lienholder, more than likely the lender will make it a condition of the loan that you carry insurance to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank or lender will purchase a policy for your Kia for a lot more money and require you to pay for the much more expensive policy.
- Insurance protects both your car and your personal assets. It also can pay for medical bills for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, will also pay for a defense attorney in the event you are sued. If you have damage to your Kia as the result of the weather or an accident, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of buying car insurance more than offset the price you pay, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer overpays as much as $810 a year so it’s important to compare rates at least once a year to ensure rates are competitive.
What auto insurance coverages do you need?
Understanding the coverages of a auto insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.
Collision coverage – This pays for damage to your Forte resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for claims such as sustaining damage from a pot hole, colliding with another moving vehicle, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible on your Forte to bring the cost down.
Liability auto insurance – Liability coverage provides protection from damage that occurs to a person or their property. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 15/30/25 which stand for a limit of $15,000 per injured person, $30,000 for the entire accident, and $25,000 of coverage for damaged property.
Liability can pay for things such as court costs, attorney fees and loss of income. How much coverage you buy is your choice, but you should buy as high a limit as you can afford. Louisiana state law requires minimum liability limits of 15/30/25 but you should consider buying better liability coverage.
The chart below demonstrates why low liability limits may not be adequate coverage.
Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like fire damage, hail damage, damage from flooding, vandalism and a tree branch falling on your vehicle. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Medical expense coverage – Med pay and PIP coverage kick in for short-term medical expenses for things like dental work, EMT expenses, doctor visits and hospital visits. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Kia Forte.
Because many people carry very low liability coverage limits (Louisiana limits are 15/30/25), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.
New Orleans auto insurance companies ranked
Choosing the best insurance company can be rather challenging considering how many choices drivers have in Louisiana. The ranking data shown next could help you choose which companies you want to consider when shopping your coverage around.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies