2015 Kia Rio Insurance Rates

Want the cheapest auto insurance rates for your Kia Rio? Trying to find the cheapest insurance for a Kia Rio can be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to buy auto insurance and you need to know the best way to price shop coverage for a Kia and obtain the lowest price either online or from local insurance agents.

Vehicle Insurance Comparison

Performing a rate comparison can be challenging if you aren’t aware of the easiest way. You can waste hours talking about coverages with insurance companies in your area, or you can stay home and use the internet to get the quickest rates.

Most of the larger companies take part in a program that enables customers to complete one form, and at least one company returns a competitive quote. This prevents consumers from doing form submissions to every company.

To participate in this free quote system, click here to open in new window.

The only downside to using this type of system is you cannot specify which companies to get quotes from. So if you prefer to pick individual companies to receive pricing from, we have assembled a list of the cheapest insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but compare exactly the same coverages and limits for each comparison quote. If you use differing limits you will not be able to determine the lowest rate for your Kia Rio.

When might I need the advice of an agent?

When choosing coverage for your vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight if you will benefit from professional help.

  • Who is covered by my policy?
  • How high should my medical payments coverage be?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my Kia Rio covered if I use it for business?
  • What can I do if my company won’t pay a claim?
  • When should I remove comp and collision on my 2015 Kia Rio?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and can help protect your family.

Detailed coverages of your insurance policy

Learning about specific coverages of your policy aids in choosing appropriate coverage for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for bills such as surgery, rehabilitation expenses and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability auto insurance – Liability coverage will cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as attorney fees, repair bills for other people’s vehicles, court costs and medical expenses. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Collision – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with a tree, colliding with another moving vehicle, damaging your car on a curb, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive coverages – This will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like theft, damage from flooding, hitting a bird and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage – This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.