Compare 2015 Kia Rio Car Insurance Quotes

Price shopping your auto insurance can be a challenge for consumers not familiar with comparing rates online. Consumers have so many options that it can easily become a real challenge to find the best price.

Low Cost Auto Insurance

There are multiple methods to shop for 2015 Kia Rio auto insurance, but one way is easier and takes less work. You can spend your afternoon driving to insurance agencies in your area, or you could use online quoting to achieve your goal.

Most car insurance companies belong to an insurance system where prospective buyers only type in their quote data once, and every company returns a rated price. This system prevents you from having to do repetitive form submissions for each company. To compare pricing click here (opens in new window).

The one disadvantage to comparing rates this way is buyers cannot specifically choose which companies to get pricing from. So if you want to select individual companies to compare rates, we have a listing of companies who write auto insurance in your area. Click here for list of insurance companies.

However you get your quotes, ensure you’re using identical coverage limits and deductibles for each comparison quote. If you have different liability limits it will be impossible to make an equal comparison. Quoting even small variations in coverages can mean a large discrepancy in price. It’s important to know that quoting more will improve the odds of getting a lower rate.

Cut your premium with discounts

The cost of insuring your cars can be expensive, but there are discounts available that you may not even be aware of. Some trigger automatically at quote time, but some must be inquired about before they will apply.

  • Early Switch Discount – Select companies give a discount for signing up prior to your current policy expiration. It’s a savings of about 10%.
  • Resident Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Senior Citizens – Mature drivers can possibly qualify for better car insurance rates on Rio coverage.
  • Sign Online – A few companies will discount your bill up to fifty bucks just for signing your application digitally online.
  • Good Students Pay Less – Performing well in school can save 20 to 25%. The discount lasts up until you turn 25.
  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you will save approximately 10% to 15%.

Consumers should know that some credits don’t apply to your bottom line cost. Most only reduce specific coverage prices like medical payments or collision. So even though they make it sound like you can get free auto insurance, car insurance companies aren’t that generous. But any discount will cut the amount you have to pay.

Car insurance companies that may offer these benefits are:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Some discounts may not be available everywhere.

What is the best insurance coverage?

When it comes to choosing coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every situation is different.

These are some specific questions may help you determine whether or not you might need an agent’s assistance.

  • Can my teen drive my company car?
  • Will my insurance pay for OEM parts?
  • Are all vehicle passengers covered by medical payments coverage?
  • How much underlying liability do I need for an umbrella policy?
  • What is an SR-22 filing?
  • Why is insurance for a teen driver so high?
  • Is there coverage for injuries to my pets?
  • Is upholstery damage covered by car insurance?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form.

Auto insurance coverages 101

Knowing the specifics of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Liability coverages

This coverage protects you from damages or injuries you inflict on other’s property or people. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for things such as legal defense fees, bail bonds, medical expenses, court costs and medical services. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Collision coverage protection

This coverage pays for damage to your Rio resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sideswiping another vehicle, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Kia Rio.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive auto coverage

Comprehensive insurance coverage 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 insurance covers things like hitting a bird, damage from getting keyed, fire damage, a broken windshield and damage from flooding. The most your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as rehabilitation expenses, dental work, chiropractic care, funeral costs and hospital visits. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Be a smart shopper

Consumers switch companies for a number of reasons such as an unsatisfactory settlement offer, questionable increases in premium, poor customer service and policy non-renewal. No matter why you want to switch, finding a great new company is less work than it seems.

In this article, we presented a lot of techniques to shop for 2015 Kia Rio insurance online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. You may even discover the best price on insurance is with a small local company.

When you buy insurance online, don’t be tempted to buy poor coverage just to save money. In many cases, someone dropped full coverage only to discover later that it was a big error on their part. Your focus should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

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