View 2018 Kia Rio Insurance Rates

Want cheaper auto insurance rates for your Kia Rio? Finding low cost auto insurance may appear to be difficult at first if you have never taken advantage of rate quotes online. But don’t let that discourage you because finding lower prices is easier than you think.

It’s a good habit to quote other rates before your policy renews because insurance prices fluctuate regularly. Even if you got the lowest price on Rio insurance on your last policy other companies may now be cheaper. Ignore everything you know about auto insurance because you’re about to find out the tricks you need to know to find the best coverage while lowering your premiums.

Cheaper rates with discounts

Car insurance is easily one of your largest bills, but you might find some hidden discounts to cut the cost considerably. A few discounts will automatically apply at quote time, but lesser-known reductions have to be requested specifically before you get the savings. If you don’t get every credit available, you could be getting lower rates.

• Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts may earn rate discounts up to 30%.
• Fewer Miles Equal More Savings – Keeping the miles down on your Kia could be rewarded with discounted prices on garaged vehicles.
• Multiple Vehicles – Buying coverage for several vehicles with the same car insurance company can reduce the rates for all insured vehicles.
• Homeowners Savings – Owning a house can save you money since home ownership is proof that your finances are in order.
• Paperwork-free – Many larger companies will discount your bill up to fifty bucks simply for signing online.
• Student Discount for Driver Training – Cut your cost by having your teen driver take driver’s ed class in school.
• Telematics Discount – Drivers that enable data collection to look at where and when they drive by using a telematic data system such as Progressive’s Snapshot could possibly reduce rates if they exhibit good driving behavior.
• Professional Organizations – Joining specific professional or occupational memberships or organizations could earn you a nice discount on car insurance.
• Anti-theft System – Cars and trucks equipped with anti-theft or alarm systems have a lower chance of being stolen and earn discounts up to 10% off your auto insurance quote.

Policy discounts save money, but some of the credits will not apply to the entire policy premium. Some only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates it’s possible to get free car insurance, that’s just not realistic.

A partial list of companies who might offer most of these discounts include:

• Geico
• Travelers
• Nationwide
• Farmers Insurance
• Esurance
• State Farm
• Progressive
• Mercury Insurance

It’s a good idea to ask each company or agent to give you their best rates. All car insurance discounts might not be offered everywhere.

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Cheapest auto insurance quotes

There are several ways to shop for auto insurance, but one way is less labor-intensive and much quicker. You can waste a lot of time talking about coverages with insurance agencies in your area, or you could use online quoting to maximize your effort.

Many of the larger companies take part in a program where prospective buyers send in one quote, and each participating company returns a competitive quote determined by their information. This prevents consumers from doing quote requests for every auto insurance company.

To participate in this free quote system, click here (opens in new window).

The one downside to using this type of form is you don’t know exactly which companies you want pricing from. So if you prefer to pick specific providers to request quotes from, we have assembled a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but be sure to compare identical information for every quote you compare. If the quotes have different deductibles it will be impossible to get a fair rate comparison. Slightly different coverages could mean much higher rates. And when quoting auto insurance, remember that comparing all the rates in your area helps improve the odds of finding the best rates. Some insurance companies are not set up to provide online quotes, so it’s important to compare price quotes from the smaller companies as well.

What is the best car insurance coverage?

When choosing adequate coverage, there really is not a single plan that fits everyone. Everyone’s needs are different.

For instance, these questions might help in determining whether or not you will benefit from professional help.

• I have health insurance so do I need medical payments coverage?
• Does my car insurance cover rental cars?
• Why am I required to buy high-risk coverage?
• How much liability insurance is required?
• Will I be non-renewed for getting a DUI or other conviction?
• Do I need more liability coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Specific coverages for a Kia Rio

Learning about specific coverages of your policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like fire damage, a broken windshield, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like doctor visits, rehabilitation expenses, funeral costs, pain medications and ambulance fees. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision coverage protection

Collision insurance will pay to fix damage to your Rio from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as hitting a mailbox, rolling your car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Liability insurance

This protects you from injuries or damage you cause to other’s property or people in an accident. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as bail bonds, court costs and medical services. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

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More quotes. Lower rates.

When getting auto insurance quotes online, it’s not a good idea to reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice collision coverage only to regret at claim time that the savings was not a smart move. Your strategy should be to find the BEST coverage at the best price.

Consumers switch companies for a number of reasons such as not issuing a premium refund, denial of a claim, an unsatisfactory settlement offer or even extreme rates for teen drivers. It doesn’t matter why you want to switch switching auto insurance companies is not as difficult as it may seem.

Cheaper auto insurance is definitely available both online and also from your neighborhood agents, and you should be comparing both to get a complete price analysis. Some insurance companies do not provide online rate quotes and these smaller companies sell through local independent agents.

To read more, feel free to browse the articles below:

• Help Your Teen Be a Better Driver (State Farm)
• Shopping for a Safe Car (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Learn About Car Insurance (Geico)

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