How Much Does 2014 Kia Rio Car Insurance Cost?

Looking for better auto insurance rates for your Kia Rio? Overpriced Kia Rio insurance can empty your savings account and put a big crunch on your finances. Shopping your coverage around is a great way to cut your insurance bill.

There is such a variety of insurers to choose from, and though it is a good thing to have a choice, it makes it harder to get the best deal.

It is always a good idea to price shop coverage quite often because rates change regularly. Even if you got the best price for Rio coverage two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the quickest way to find better coverage at a better price.

Which Car Insurance is Cheapest?

When shopping for car insurance there are multiple ways to compare rate quotes from local car insurance companies. The easiest way by far to find competitive 2014 Kia Rio insurance rates consists of shopping online. This can be accomplished in just a few minutes using one of these methods.

1. The easiest and least time consuming way to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This method eliminates the need for a different quote for each company you want a rate for. Completing one form will get you price quotes direct from many companies.
2. A different way to compare prices requires a trip to each company’s website to request a price quote. For instance, we’ll pretend you want to compare Liberty Mutual, Allstate and American Family. You would have to visit each site to enter your coverage information, which is why the first method is more popular.

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

It’s up to you how you get prices quotes, just ensure you are comparing the exact same coverages and limits on every quote you get. If you enter different deductibles you will not be able to make a fair comparison for your Kia Rio. Slightly different insurance coverages can result in a big premium difference. And when comparison shopping, obtaining a wide range of quotes gives you a better chance of getting the best offered rates.

Everyone needs different coverages

When choosing the right insurance coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions could help you determine whether you will benefit from professional help.

• Do I pay less for low miles?
• When should I not file a claim?
• Can I afford low physical damage deductibles?
• Does medical payments coverage apply to all occupants?
• Why am I be forced to buy a membership to get insurance from some companies?
• Am I getting all the discounts available?
• How many claims can I have before being cancelled?
• Why am I required to get a high-risk car insurance policy?
• Am I covered if I drive in a foreign country?
• Do I need PIP (personal injury protection) coverage in my state?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Auto insurance coverages

Understanding the coverages of a car insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages available from car insurance companies.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for X-ray expenses, chiropractic care, doctor visits, rehabilitation expenses and pain medications. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Liability coverage – This protects you from damage that occurs to people or other property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means 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 protects against things like court costs, emergency aid, loss of income and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive car insurance – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, theft and rock chips in glass. The most a car 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.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like damaging your car on a curb, hitting a mailbox, sideswiping another vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Kia Rio.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.