Save on 2012 Kia Rio Insurance Rates

Looking for lower car insurance rates for your Kia Rio? Did you come to the realization that you have an expensive car insurance policy? Don’t feel bad because there are many consumers feeling the pinch from expensive car insurance. Because there are so many insurance providers from which to choose, it’s nearly impossible to find a lower cost company.

These discounts can lower your insurance rates

Insurance is expensive, but there are discounts available that many people don’t even know exist. Certain reductions will be credited when you complete an application, but some need to be specially asked for prior to getting the savings.

• Drive Safe and Save – Drivers who avoid accidents can save as much as half off their rates for Rio insurance compared to rates paid by drivers with frequent claims.
• College Student – Kids living away from home attending college and leave their car at home could qualify for this discount.
• New Car Discount – Buying a new car instead of a used car can be considerably cheaper since newer vehicles are generally safer.
• Seat Belts Save – Forcing all vehicle occupants to fasten their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
• Paperless Signup – Many insurance companies will discount your bill up to fifty bucks for completing your application over the internet.
• Active Military Service – Being on active deployment in the military can result in better rates.
• Braking Control Discount – Vehicles with ABS and/or traction control prevent accidents and therefore earn up to a 10% discount.
• Telematics Data – Drivers that enable driving data submission to spy on vehicle usage through the use of a telematics system such as State Farm’s In-Drive could save a few bucks as long as they are good drivers.

Drivers should understand that many deductions do not apply the the whole policy. Most cut specific coverage prices like comp or med pay. Despite the appearance that it’s possible to get free car insurance, you aren’t that lucky.

Large insurance companies and a partial list of their discounts are included below.

• State Farm may have discounts that include Drive Safe & Save, good driver, defensive driving training, passive restraint, good student, and safe vehicle.
• Farmers Insurance has savings for early shopping, switch companies, homeowner, business and professional, multi-car, and electronic funds transfer.
• Geico has discounts for good student, five-year accident-free, daytime running lights, seat belt use, military active duty, and emergency military deployment.
• American Family may offer discounts for good student, defensive driver, accident-free, multi-vehicle, Steer into Savings, and bundled insurance.
• Nationwide offers premium reductions for Farm Bureau membership, good student, defensive driving, anti-theft, family plan, multi-policy, and business or organization.
• Progressive offers discounts including continuous coverage, online signing, multi-vehicle, online quote discount, and multi-policy.

If you need affordable car insurance quotes, ask every prospective company the best way to save money. Discounts may not apply to policies in your area. To view companies with significant discounts, click this link.

The easiest way to get rate comparisons utilizes the fact auto insurance companies actually pay money for the chance to provide you with free rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details including if it has an anti-theft system, driver ages, whether or not you need a SR-22, and marital status. The rating information is instantly sent to multiple auto insurance providers and you should receive rate quotes with very little delay.

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Why you might pay higher rates

Many different elements are taken into consideration when quoting car insurance. Some are pretty understandable like your driving record, but other criteria are less apparent like your vehicle usage or how safe your car is.

The following are just a few of the factors used by insurance companies to determine premiums.

• Advanced alarm systems – Purchasing a vehicle that has a built-in theft deterrent system can help lower your rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop vehicle theft.
• Raise your comp and collision deductibles for better rates – Physical damage coverage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your Kia. A few examples of covered claims would be a broken side mirror, hitting a deer, and damage caused by flying debris. Comp and collision deductibles define how much you are required to spend out-of-pocket if a covered claim is submitted. The higher the amount you’re willing to pay, the lower your rates will be for Rio insurance.
• Auto insurance lapses lead to higher auto insurance rates – Having a gap between insurance policy dates is a guaranteed way to increase your rates. In addition to paying higher premiums, failure to provide proof of insurance can result in fines or a revoked license. You will then be forced to file a SR-22 with your state department of motor vehicles.
• Traffic violations drive up rates – A bad driving record has a big impact on rates. Drivers with clean records get better rates compared to drivers with tickets. Even one driving citation can boost insurance rates twenty percent or more. People who have serious violations such as DUI or willful reckless driving may find they need to file a SR-22 with their state in order to prevent a license revocation.
• How many miles do you drive? – The higher the miles on your Kia in a year the more you will pay for auto insurance. The majority of insurers charge rates based on their usage. Cars left parked in the garage can be on a lower rate level than those that get driven frequently. It’s a good idea to make sure your auto insurance declarations sheet is showing the correct usage. Incorrect rating for your Rio is throwing money out the window.

Different people need different insurance coverage coverages

When choosing proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions could help you determine if your insurance needs could use an agent’s help.

• Will my rates increase for filing one claim?
• Does my insurance cover my expensive audio equipment?
• Is my state a no-fault state?
• Does my policy pay for OEM or aftermarket parts?
• Is my dog or cat covered if injured in an accident?
• Why am I required to buy high-risk coverage?
• Do I have coverage when making deliveries for my home business?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Auto insurance coverage information

Knowing the specifics of insurance aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are typical coverage types offered by insurance companies.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like X-ray expenses, hospital visits, prosthetic devices and dental work. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision protection

This pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as backing into a parked car, rolling your car, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Uninsured and underinsured coverage

This gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally these limits do not exceed the liability coverage limits.

Coverage for liability

This can cover damage that occurs to other people or property in an accident. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as bail bonds, legal defense fees, medical services and court costs. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Comprehensive coverages

This covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as theft, vandalism, damage from a tornado or hurricane, hitting a bird and falling objects. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

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A penny earned…

Cheaper insurance coverage can be found both online in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies don’t offer online quoting and usually these smaller companies provide coverage only through independent agencies.

As you prepare to switch companies, don’t be tempted to buy lower coverage limits just to save a few bucks. In many cases, an insured dropped physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your goal is to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.

We’ve covered many tips how you can reduce 2012 Kia Rio insurance rates online. The key concept to understand is the more quotes you get, the better your comparison will be. You may even find the lowest rates are with some of the lesser-known companies. They may often insure only within specific states and give getter rates compared to the large companies like State Farm and Allstate.

Helpful learning opportunities

• Avoiding Deer Collisions (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)
• Understanding Car Crashes Video (iihs.org)
• Tread Depth and Tire Safety (State Farm)
• Liability Insurance Coverage (Nationwide)
• Vehicle Insurance in the U.S. (Wikipedia)

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