2017 Kia Rio Insurance Quotes – 9 Tips for Cheaper Rates

Nobody that owns a car rejoices having to buy insurance, particularly when the cost is way too high. Due to the large number of options when it comes to insurance, it is hard for the average consumer to find the cheapest insurance provider.

Discounts can really help lower rates

Some insurance providers do not list all disounts in a way that’s easy to find, so we break down both well-publicized and also the more inconspicuous discounts that you may qualify for.

• Homeowners Pay Less – Owning a house can help you save on insurance coverage due to the fact that maintaining a home requires personal responsibility.
• Defensive Driver Discount – Passing a course that instructs on driving safety may get you a small discount if you qualify.
• Drive Safe and Save – Insureds who avoid accidents could pay up to 40% less for Rio insurance as compared to drivers with claims.
• Seat Belt Discounts – Drivers who require all occupants to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
• 55 and Retired – If you qualify as a senior citizen, you can get better insurance coverage rates for Rio insurance.
• Good Grades Discount – A discount for being a good student may save you up to 25%. Earning this discount can benefit you until age 25.
• Telematics Discount – Insureds who allow driving data collection to analyze driving manner by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they are good drivers.
• Discount for Life Insurance – Insurance carriers who offer life insurance give lower premium rates if you buy a life policy as well.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in school or through a local driver safety program.

It’s important to note that most of the big mark downs will not be given to the entire cost. Most cut individual premiums such as comprehensive or collision. If you do the math and it seems like you would end up receiving a 100% discount, you’re out of luck.

Popular insurance coverage companies and a selection of discounts are included below.

• State Farm policyholders can earn discounts including Drive Safe & Save, defensive driving training, accident-free, student away at school, multiple autos, and anti-theft.
• Progressive offers premium reductions for homeowner, multi-policy, multi-vehicle, online signing, continuous coverage, and good student.
• Travelers has savings for new car, multi-policy, payment discounts, student away at school, and continuous insurance.
• American Family discounts include defensive driver, bundled insurance, mySafetyValet, TimeAway discount, and accident-free.
• Liberty Mutual may have discounts that include good student, safety features, exclusive group savings, new vehicle discount, multi-car, teen driver discount, and newly retired.

Before you buy a policy, ask every insurance company to give you their best rates. Some of the earlier mentioned discounts may not apply to policies in your state.

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Big names are not always cheapest

Consumers can’t get away from all the ads for cheaper car insurance from the likes of 21st Century, Allstate and State Farm. All the ads advertise claims that drivers can save some big amount after switching your policy.

How is it possible that every company can cost less than your current company? Here is how they do it.

Many companies are able to cherry pick for the driver that earns them the highest profit. For example, a desirable risk may be a mature driver, has other policies, and has great credit. A customer who fits that profile receives the best auto insurance rates and therefore will cut their rates substantially.

Potential customers who fall outside this ideal profile may be required to pay a higher rate which leads to business going elsewhere. If you listen to the ad wording, they say “customers who switch” not “everyone that quotes” save that much money. That is how companies can make claims that they all have the best prices.

Because of these techniques, you should get as many free insurance coverage quotes as possible. It’s not possible to predict which car insurance company will have better premium rates than you’re paying now.

Will just any policy work for me?

When buying coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether your personal situation could use an agent’s help.

• What if I don’t agree with a claim settlement offer?
• If my pet gets injured in an accident are they covered?
• Is my vehicle covered by my employer’s policy when using it for work?
• Does my 2017 Kia Rio need full coverage?
• Is motorclub coverage worth it?
• What is the ISO rating for a 2017 Kia Rio?
• When would I need rental car insurance?
• When would I need additional glass coverage?
• Can I rent a car in Mexico?
• How much liability do I need to cover my assets?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.

Learn about car insurance coverages for a 2017 Kia Rio

Having a good grasp of a car insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types found on most car insurance policies.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses such as doctor visits, EMT expenses and nursing services. They can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 2017 Kia Rio.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually these limits are set the same as your liablity limits.

Liability auto insurance

This coverage protects you from damage that occurs to other’s property or people in an accident. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers claims such as funeral expenses, attorney fees and court costs. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Collision coverage

This coverage will pay to fix damage to your Rio caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as sideswiping another vehicle, driving through your garage door, colliding with another moving vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as theft, damage from flooding, vandalism and hail damage. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

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What is YOUR best insurance company?

As you quote insurance coverage, it’s not a good idea to reduce needed coverages to save money. In many cases, consumers will sacrifice collision coverage to discover at claim time they didn’t have enough coverage. The goal is to buy enough coverage at the lowest possible cost but still have enough coverage for asset protection.

We’ve covered quite a bit of information on how to shop for 2017 Kia Rio insurance online. It’s most important to understand that the more companies you get auto insurance rates for, the better your chances of lowering your auto insurance rates. Consumers may even find the lowest priced car insurance comes from the least-expected company. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

Additional information can be read on the following sites:

• Drunk Driving Statistics (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)

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