2017 Kia Rio Insurance Rates

Searching for the cheapest insurance rates for your Kia Rio? Locating the cheapest insurance for a Kia Rio can be an all-consuming task, but you can learn our insurance buying tips and make it easy.

There are both good and bad ways to shop for insurance so you’re going to learn the best way to price shop coverage for your Kia and get the lowest price either online or from local insurance agents.

Consumers should take time to do price comparisons on a regular basis since prices trend upward over time. Even if you got the best rates for Rio insurance a few years ago other companies may now be cheaper. Block out anything you think you know about insurance because we’re going to show you the fastest and easiest way to save on insurance.

If you have a policy now or need a new policy, you can learn to find better prices while maximizing coverage. Finding the best insurance coverage can be fairly easy. Vehicle owners just need to understand how to find the lowest price on the web.

Affordable auto insurance quotes

Shopping for lower auto insurance rates can take time and effort if you don’t know the most efficient way to do it. You could spend your day talking to agents in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.

The majority of car insurance companies enroll in a system that enables customers to submit their information once, and each participating company can give them a price. This system prevents you from having to do quotation requests to each individual auto insurance company.

To get comparison pricing now click here to open in new window.

The one downside to getting quotes like this is you don’t know exactly which carriers to get pricing from. If you would rather choose specific insurance companies to compare, we put together a list of auto insurance companies in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just make sure you compare the same coverages and limits with every price quote. If the quotes have different liability limits you will not be able to find the best deal for your Kia Rio.

Is there deception in advertising?

Consumers can’t get away from all the ads for the lowest price car insurance by 21st Century, Allstate and State Farm. All the companies make the point about how much you will save just by switching to them.

How does every company sell you cheaper insurance coverage?

All the different companies are able to cherry pick for the type of customer that will generate a profit. For example, a preferred risk should be between 30 and 50, has a clean driving record, and has great credit. A customer getting a price quote that matches those criteria will probably get cheap premium rates and have a good chance to save when they switch companies.

Insureds who do not fit the requirements will probably have to pay higher premiums with the end result being the customer buying from someone else. The wording the ads use say “drivers that switch” not “everyone who quotes” save that much when switching. That’s the way insurance companies can state the savings.

This really illustrates why it’s extremely important to get car insurance quotes from several different companies. It’s just too difficult to predict the company that will fit you best based on your risk profile.

These discounts can cut insurance coverage rates

Insurance coverage can be pricey, but you may be missing some discounts to cut the cost considerably. A few discounts will be applied at quote time, but occassionally some discounts must be asked about in order for you to get them.

  • Discounts for Seat Belt Usage – Requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Multiple Cars – Insuring several vehicles with the same insurance coverage company can reduce rates for all insured vehicles.
  • Discount for Good Grades – Excelling in school can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Student in College – Children who live away from home to go to college and leave their car at home can be insured at a reduced rate.
  • Buy New and Save – Adding a new car to your policy can get you a discount due to better safety requirements for newer vehicles.

While discounts sound great, it’s important to understand that most discount credits are not given to the entire policy premium. Most cut individual premiums such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, insurance companies wouldn’t stay in business.

Large insurance coverage companies and some of the premium reductions they offer are outlined below.

  • State Farm may offer discounts for safe vehicle, Drive Safe & Save, passive restraint, defensive driving training, multiple autos, Steer Clear safe driver discount, and anti-theft.
  • Geico offers premium reductions for federal employee, air bags, seat belt use, multi-policy, and anti-theft.
  • Liberty Mutual includes discounts for hybrid vehicle, new graduate, multi-policy, preferred payment discount, and good student.
  • The Hartford offers discounts for air bag, driver training, defensive driver, bundle, good student, anti-theft, and vehicle fuel type.
  • MetLife has savings for defensive driver, claim-free, good student, good driver, and accident-free.
  • Progressive may include discounts for multi-vehicle, good student, multi-policy, homeowner, and online signing.

If you are trying to find low cost car insurance quotes, ask every prospective company which discounts you may be entitled to. Discounts may not apply in your area. To find providers with the best discounts, click here.

When do I need an agent’s advice?

When buying the best insurance coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine if your situation would benefit from an agent’s advice.

  • Will my insurance pay for OEM parts?
  • Do I need roadside assistance coverage?
  • When would I need rental car insurance?
  • Am I covered if hit by an uninsured driver?
  • Should I rate my 2017 Kia Rio as pleasure use or commute?
  • How much can I save by bundling my policies?
  • Can my teen drive my company car?
  • What can I do if my company won’t pay a claim?
  • Do I need an umbrella policy?
  • Should I buy more coverage than the required minimum liability coverage?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Car insurance 101

Learning about specific coverages of a insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverages

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, vandalism, hail damage and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision insurance

Collision insurance covers damage to your Rio from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a mailbox, driving through your garage door, backing into a parked car, colliding with another moving vehicle and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability auto insurance

This coverage will cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for 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 commonly see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things like structural damage, medical expenses, legal defense fees, emergency aid and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Kia Rio.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Coverage for medical payments

Med pay and PIP coverage reimburse you for bills for things like dental work, X-ray expenses and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Quote often and quote early

Insureds switch companies for many reasons like policy cancellation, questionable increases in premium, an unsatisfactory settlement offer and being labeled a high risk driver. No matter why you want to switch, finding a great new company is pretty easy and you might even save some money in the process.

As you restructure your insurance plan, make sure you don’t buy poor coverage just to save money. In too many instances, someone sacrificed uninsured motorist or liability limits to discover at claim time they didn’t have enough coverage. Your focus should be to purchase a proper amount of coverage at the best cost, but do not skimp to save money.

More affordable insurance can be found online as well as from insurance agents, so you need to shop car insurance with both so you have a total pricing picture. Some insurance providers don’t offer internet price quotes and most of the time these small insurance companies provide coverage only through local independent agents.

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