Trying to find cheaper car insurance rates for your Kia Rio? No one in their right mind likes having to buy car insurance, particularly when they are paying too much.
Multiple insurers compete to insure your vehicles, so it’s not easy to compare every insurer to discover the definitive cheapest price
There are several ways to compare Kia Rio insurance coverage prices but some are less labor-intensive and much quicker. You can waste hours talking about coverages with insurance agencies in your area, or you can utilize the internet to get rates in a matter of minutes.
Many insurance companies take part in a program where insurance shoppers only type in their quote data once, and each company provides a quote determined by their information. This prevents consumers from doing repetitive form submissions to each company.
To get comparison pricing now click here to start a free quote.
The only drawback to using this type of form is you can’t choose which providers you will receive quotes from. If you prefer to choose from a list of companies to receive pricing from, we have a listing of insurance coverage companies in your area. Click to view list.
It doesn’t matter which method you choose, just make sure you use the exact same coverage information for every company. If you enter unequal deductibles or liability limits it will be next to impossible to find the best deal for your Kia Rio. Slightly different insurance coverages can mean a large discrepancy in price. Keep in mind that more quotes will improve the odds of getting a better price.
Car insurance companies do not list all their discounts very well, so we researched some of the best known as well as the least known savings tricks you should be using.
It’s important to understand that many deductions do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, companies don’t profit that way.
Insurance companies that may have these money-saving discounts include:
Before buying, ask each insurance company how you can save money. Savings might not be offered in your state.
When choosing the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions may help highlight whether your personal situation might need an agent’s assistance.
If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.
Learning about specific coverages of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on the average insurance policy.
Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for rehabilitation expenses, surgery, dental work, doctor visits and hospital visits. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Liability car insurance – Liability insurance will cover damages or injuries you inflict on other people or property in an accident. It protects you against other people’s claims. 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. As an example, you may have limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.
Liability coverage protects against things such as pain and suffering, legal defense fees, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.
Comprehensive coverage – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as fire damage, hitting a deer and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2011 Kia Rio.
Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.
Collision coverage – This covers damage to your Rio caused by collision with an object or car. A deductible applies then your collision coverage will kick in.
Collision coverage pays for things such as scraping a guard rail, colliding with a tree, backing into a parked car and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.