2010 Kia Rio Car Insurance Quotes – 7 Ways to Save

If price shopping car insurance online is new to you, you may be confused due to the large number of companies all offering big savings.

You need to check car insurance prices once or twice a year because rates are usually higher with each renewal. Even if you got the best price on Rio insurance a year ago the chances are good that you can find a lower rate today. You’ll find quite a bit of inaccurate information about car insurance on the internet, so I’m going to show you a lot of great tips on how to buy car insurance cheaper.

Free Insurance Quotes

There are several ways to compare Kia Rio insurance quotes, but some are less labor-intensive and much quicker. You could spend your day discussing policy coverages with agents in your area, or you could use the internet to get the quickest rates.

Most major companies are enrolled in a marketplace that allows shoppers to submit their information once, and at least one company can provide price quotes based on that data. This saves time by eliminating quote requests for every insurance company.

To find out how much you can save on insurance click to open in new window.

The only drawback to doing it this way is you cannot specify the companies to get pricing from. So if you want to choose from a list of companies to request quotes from, we have a page of companies who write insurance in your area. Click to view list.

Which method you use is up to you, but compare identical deductibles and coverage limits on every quote you get. If you compare unequal deductibles or liability limits it’s not possible to truly determine the lowest rate. Slightly different coverage limits could mean much higher rates. And when quoting insurance, remember that quoting more helps locate lower pricing.

Save $489 a year? Really?

Car insurance companies such as State Farm and Allstate regularly use ads on TV and radio. They all seem to say the same thing that you can save if you move to their company. But how can every company make almost identical claims?

All companies have a preferred profile for the right customer that is profitable for them. For instance, a desirable insured might be between 30 and 50, has no driving citations, and drives less than 7,500 miles a year. A propective insured that hits that “sweet spot” will get the preferred rates and most likely will pay quite a bit less when switching companies.

Potential insureds who fall outside the requirements will have to pay higher premiums and this can result in the customer not buying. The ads state “people who switch” but not “drivers who get quotes” save that much. That’s why insurance companies can make the claims of big savings.

Because of the profiling, it’s extremely important to get as many quotes as possible. Because you never know which insurance companies will fit your personal profile best.

Discounts to lower 2010 Kia Rio insurance rates

Insurance can cost an arm and a leg, but discounts can save money and there are some available that many people don’t even know exist. Some trigger automatically when you purchase, but some must be asked about before you will receive the discount.

  • Government Employees – Being employed by or retired from a federal job can save as much as 8% on Rio insurance with a few auto insurance companies.
  • Discount for New Cars – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
  • Life Insurance – Larger companies have a discount if you purchase life insurance from them.
  • Multiple Cars – Insuring all your vehicles on one policy qualifies for this discount.
  • Good Student – A discount for being a good student can save 20 to 25%. This discount can apply up until you turn 25.
  • Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Rio insurance than drivers with accidents.

Drivers should understand that most discount credits are not given to all coverage premiums. Some only apply to individual premiums such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, it just doesn’t work that way. Any qualifying discounts will cut your premiums.

For a list of providers offering auto insurance discounts, click here to view.

Tailor your coverage to you

When buying proper insurance coverage, there isn’t really a one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining if you might need professional guidance.

  • How much liability insurance is required?
  • Does my liability insurance cover pulling a trailer or camper?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when driving on a suspended license?
  • Can I afford to buy a different vehicle if my 2010 Kia Rio is totaled?
  • Will my rates increase for filing one claim?
  • Which companies will insure high-risk drivers?
  • What is PIP insurance?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance coverage considerations

Knowing the specifics of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as chiropractic care, dental work and nursing services. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with a tree, scraping a guard rail, sustaining damage from a pot hole and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, a broken windshield, theft and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverages – This coverage protects you from damages or injuries you inflict on a person or their property. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as attorney fees, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Protection from uninsured/underinsured drivers – This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

More quotes. Lower rates.

We just presented a lot of information how to reduce 2010 Kia Rio insurance prices online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers may even find the best price on auto insurance is with a small local company.

Low-cost insurance is available both online as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. A few companies don’t offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

People change insurance companies for a number of reasons such as extreme rates for teen drivers, delays in responding to claim requests, questionable increases in premium or even not issuing a premium refund. Whatever your reason, switching auto insurance companies can be easier than you think.

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