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Kia Rio Insurance Rates

Finding cheaper auto insurance by getting online quotes can be fast and easy, in addition you might just save a little. The most important part is to compare rates from all companies in order to have the cheapest rate quotes.

If you are a novice to online auto insurance shopping, you may be confused by the hoards of companies vying for your business. Finding lower Rio insurance cost can be relatively painless. You just have to spend a little time to get quotes provided by online insurance companies. It is quite easy and can be accomplished by comparing rates here.

Criteria which help determine Kia insurance rates

Auto insurance rates on a Kia Rio will vary greatly depending on several factors. A few of these criteria are:

  • A clean driving record keeps rates low
  • Your credit history
  • Men typically pay more than women
  • Deductible amount directly impacts your rate
  • NTSB crash rating for your vehicle
  • Claims drive up premiums
  • No coverage lapses saves money
  • Owning a home can lower rates

A final factor which can affect Rio insurance rates is the model year. Newer models have a higher actual cash value in comparison to later models so the cost to replace them will push premiums up. Conversely, more recent Kia vehicles may have a trim level with safety features such as anti-lock brakes, adaptive headlights, and adaptive cruise control so those may lower rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Liability - This coverage will cover injuries or damage you cause to people or other property that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision coverage - This will pay to fix damage to your Kia resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your Rio can be pricey, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision - This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your Kia Rio comprehensive insurance. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical costs insurance - Personal Injury Protection (PIP) and medical payments coverage pay for bills (i.e. ambulance fees, surgery, and doctor visits). They are often used in conjunction with a health insurance plan or if you do not have health coverage. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.

How Much are Kia Rio Insurance Rates?