Compare 2006 Kia Rio Insurance Quotes

Searching for cheaper car insurance rates for your Kia Rio? I can’t think of anyone who cherishes buying car insurance, particularly when the price is too high.

Because you have many car insurance companies to choose from, it can be diffult for consumers to locate the right insurer.

Smart consumers take time to shop coverage around quite often because rates tend to go up over time. Just because you had the lowest rates on Rio insurance a few years ago you can probably find a better price now. There is a lot of wrong information about car insurance online, so we’re going to give you some solid techniques on how to stop overpaying for insurance.

Low Cost Insurance

When shopping for insurance there are multiple ways of comparing price quotes from local insurance companies. The recommended way to find the lowest 2006 Kia Rio rates consists of shopping online. This is very easy and can be done in just a few minutes using one of these methods.

  • The single most time-saving way consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This easy form saves time by eliminating multiple quote forms for every insurance company. One form gets rate comparisons from multiple low-cost companies.
  • Another way to compare prices is going to the website of each company to complete a price quote. For examples sake, we’ll assume you want comparison quotes from Nationwide, GEICO and Progressive. You would have to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

  • The least recommended method to compare rates is to spend your day driving to different agent offices. Buying insurance online makes this process obsolete unless you require the professional guidance that only a license agent can provide. Drivers can comparison shop your insurance online but still have the advice of a local agent. We’ll cover that shortly.

It’s up to you which method you use, but ensure you’re using apples-to-apples coverage information for every company. If you compare different liability limits it will be next to impossible to make a fair comparison for your Kia Rio. Just a small difference in insurance coverages can mean a large discrepancy in price. It’s important to know that getting more free quotes provides better odds of finding lower pricing.

Do you really save 40% when you switch?

Car insurance companies such as 21st Century, Allstate and State Farm continually stream ads on TV and radio. They all seem to make an identical promise of big savings after switching to them. How does each company claim to save you money?

Insurance companies are able to cherry pick for the type of driver that makes them money. For example, a driver they prefer could possibly be between the ages of 30 and 50, has no tickets, and drives less than 10,000 miles a year. A customer who fits that profile will get the preferred rates and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who don’t meet this ideal profile must pay higher rates and this can result in business not being written. The ads say “customers who switch” not “everyone that quotes” save that kind of money. That is how companies can state the savings. This illustrates why you need to compare as many rates as you can. Because you never know the company that will have the lowest Kia Rio insurance rates.

Cut your insurance rates with discounts

Companies that sell car insurance don’t necessarily list all their discounts in a way that’s easy to find, so we took the time to find both the well known as well as the least known ways to save on insurance.

  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Defensive Driver – Taking part in a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
  • Organization Discounts – Belonging to a professional or civic organization is a good way to get lower rates when shopping for insurance on Rio insurance.
  • Paperwork-free – Certain companies may give you up to $50 for buying a policy and signing up on their website.
  • One Accident Forgiven – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Multi-policy Discount – If you have multiple policies with one insurance company you will save up to 20% off your total premium.
  • Multiple Vehicles – Buying insurance for multiple vehicles with the same company could earn a price break for each car.

Drivers should understand that some of the credits will not apply the the whole policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky.

For a list of companies with discount insurance rates, follow this link.

You are unique and your insurance coverage should be too

When buying coverage, there is no best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether your personal situation might need an agent’s assistance.

  • Who is covered by my policy?
  • Will filing a claim cost me more?
  • If I drive on a suspended license am I covered?
  • Am I covered when pulling a rental trailer?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is my camper covered by my car insurance policy?
  • Why am I required to buy high-risk coverage?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area.

Car insurance coverage information

Knowing the specifics of your insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages found on the average insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Kia Rio.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision protection

This covers damage to your Rio resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as rolling your car, scraping a guard rail, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Auto liability insurance

This protects you from damage or injury you incur to people or other property by causing an accident. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like loss of income, repair bills for other people’s vehicles, pain and suffering, bail bonds and emergency aid. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Comprehensive auto coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a bird, hitting a deer, damage from a tornado or hurricane and vandalism. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for expenses such as EMT expenses, rehabilitation expenses, prosthetic devices and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Best coverage at the best price

Budget-conscious 2006 Kia Rio insurance can be purchased from both online companies as well as from independent agents, and you should compare price quotes from both to have the best rate selection. Some car insurance companies don’t offer online quoting and these small, regional companies work with independent agents.

In this article, we presented quite a bit of information on how to reduce insurance prices online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best prices are with an unexpected company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm and Allstate.

Additional information