Searching for better car insurance rates for your Kia Rio? Scraping up a payment for overpriced Kia Rio insurance can empty your bank account and put a big crunch on your finances. Comparing price quotes is free, only takes a few minutes, and is a good way to lower your monthly bill. Because there are so many companies to choose from, it’s difficult to choose the cheapest company.
The fastest way that we advise to compare insurance rates in your area is to know the fact most of the larger companies pay for the opportunity to quote your coverage. To get started, all you need to do is provide a little information such as if you have an active license, coverage limits, driver ages, and whether your vehicle is owned or leased. Those rating factors is instantly submitted to multiple different insurance companies and they return rate quotes almost instantly.
Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not know about. Some discounts apply automatically at the time you complete a quote, but some may not be applied and must be specially asked for before you will receive the discount. If you aren’t receiving every discount you deserve, you’re paying more than you need to.
A little note about advertised discounts, most discount credits are not given to the entire policy premium. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts will reduce your premiums.
For a list of insurers with the best car insurance discounts, click here to view.
When it comes to choosing coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions can help discover whether your personal situation may require specific advice.
If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.
Understanding the coverages of a auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. These are the normal coverages available from auto insurance companies.
Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as falling objects, damage from flooding, a tree branch falling on your vehicle and rock chips in glass. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Liability coverages – This coverage protects you from damage that occurs to other’s property or people that is your fault. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.
Liability can pay for things like legal defense fees, attorney fees, medical expenses, emergency aid and court costs. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.
Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Kia Rio.
Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.
Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like damaging your car on a curb, driving through your garage door, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.
Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for bills like prosthetic devices, chiropractic care, EMT expenses and nursing services. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover 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 only offered in select states but it provides additional coverages not offered by medical payments coverage