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Discussion Starter · #1 ·
I ran into the issue of much higher car insurance when my wife and I got a 2011 forte koup sx. Our insurance went from 120 to 180 a month, even with much less coverage with the new car. I contacted my insurance company and they openly admitted to being much higher on Kias. My insurance company happened to be progressive and was much cheaper with everything else up to this point. I checked out state farm and it was 300 a month with the same coverage with progressive. Keep in mind this is without any tickets and only being faulted for 1 accident ever. I then checked out geico, and took us back down to 130 a month for higher coverage than even before the car switch. Just something to keep in mind for those looking to save a few dollars.
 

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I ran into the issue of much higher car insurance when my wife and I got a 2011 forte koup sx. Our insurance went from 120 to 180 a month, even with much less coverage with the new car. I contacted my insurance company and they openly admitted to being much higher on Kias. My insurance company happened to be progressive and was much cheaper with everything else up to this point. I checked out state farm and it was 300 a month with the same coverage with progressive. Keep in mind this is without any tickets and only being faulted for 1 accident ever. I then checked out geico, and took us back down to 130 a month for higher coverage than even before the car switch. Just something to keep in mind for those looking to save a few dollars.
So wierd. I have a 4 door sx. Im 21 and had more tickets than I can remember (lost my license once) and my insurance is 100% under my name and i pay $127/month for full coverage... wierd... and I have state farm
 

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i have the same exact same coverage that i had on my pos vibe for only $50 every 6 months

yeah i have State Farm too
 

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2021 Forte GT w/GT2, Currant Red, SXTH Element Intercooler Kit, Evilla Exhaust, Takeda S2 Intake
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Word to the wise...always shop around! You can get quotes on-line from nearly every insurance company (obviously if you're reading this you can shop around on-line) -- it costs you nothing either.
Rates depend a lot on where you live, what the accident rate is, and what the theft rate is.
Don't always rely on one company even if you think their rates are the lowest -- when its time to renew...SHOP AROUND!
 

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wow. i went from a paid off 1995 pont grand am to a financed koup SX and my insurance only went up 20 a month- even keeping the coverage the same
 

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$41/month with USAA for a Forte Koup SX. A whopping 67 cents cheaper than my Celica.

But then I'm married, homeowner, over 25, and not living in a crazy cost of living area so I can drive pretty much anything for around the same price.
 

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2021 Forte GT w/GT2, Currant Red, SXTH Element Intercooler Kit, Evilla Exhaust, Takeda S2 Intake
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$41/month with USAA for a Forte Koup SX. A whopping 67 cents cheaper than my Celica.

But then I'm married, homeowner, over 25, and not living in a crazy cost of living area so I can drive pretty much anything for around the same price.

Plus USAA usually gives a dividend back each year...so people in the Military should definitely check into USAA. But be warned...USAA is usually higher for your teenagers...in my case 3 times more than Allstate wanted. Shop around!
 

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My insurance company happened to be progressive and was much cheaper with everything else up to this point.
Hmm, I wonder why there's such a difference between our rates. I have Progressive, one ticket (drops off in a couple months, woot!), and am not married but I only pay $93. Maybe location is a big factor? Dont know...
 

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Hmm, I wonder why there's such a difference between our rates. I have Progressive, one ticket (drops off in a couple months, woot!), and am not married but I only pay $93. Maybe location is a big factor? Dont know...
Location can be a factor but also age, credit history, etc. Many other things to consider. Don't get me started on credit history... _all_ states should make this illegal.

As far as rates being lower from one company to another, one thing to also consider (but it's never done and not very practical) is that some policies are modified more then others to exclude certain thinks. This needs to be approved by the state so its limited, but it's done. Chances are you will never have a claim for one of these differences but they do exist. But who every gets a copy of the policy from the company for review before they buy the insurance? I've never heard of it being done.
 

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Discussion Starter · #10 · (Edited)
I am in the heart of the west end of Richmond, VA, so that may be a reason why, but my location was the same as the other two cars. I do have 1 accident that I was faulted for by the insurance company (no ticket given) so I am sure that may have an affect (even though it has not affected my rate until this point. I did not even think about credit, but according to my bank, I have perfect credit so thats not even a factor. Its a mystery to be sure, but definitely shop around before settling for any one company at least every 6 months.
 

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I hate seeing all you with such low insurance rates!!

Try paying $243/month. Only one speeding ticket from 10km/h over which will be gone from my record this coming September. I think I was quoted without the speeding ticket at $180/month (once it drops from my record). Damn high ass premiums in Ontario!! I hate this province sometimes.
 

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Don't forget that rates also depend a lot on your coverage. If you've got a high deductible, no collision and low limits on your liability coverage you're going to get a lower price. So, remember to compare apples to apples.

Just saying you're paying $xxx/month means nothing without knowing what that covers.
 

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I'm grandfathered in on my parents policy. About $100 a month. 20, one at fault accident, no tickets. If I had my own policy it'd be a lot more. Around 250 a month I believe with State Farm. Traveler's hates youngsters: 600 a month! This is all with close to max coverage.
 

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@ Under Flip

Not sure who you're with for insurance but as some have suggested here, shop around. I'm from the GTA area as well and my previous insurance company (The Personal) quoted me around $180. I shopped around and got a better deal with Scotia Life (Scotiabank) for my 2011 SX Koup - $160.

Cheers
 
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