Lower Your 2015 Kia Rio Insurance Rates

Looking for the cheapest insurance coverage rates for your Kia Rio? Finding lower rates for insurance coverage is nearly impossible for consumers new to buying insurance online. You have so many choices that it can turn into a ton of work to compare prices.

You should take the time to take a look at other company’s rates before your policy renews since rates trend upward over time. Just because you found the lowest rates for Rio insurance a year ago other companies may now be cheaper. Forget all the misinformation about insurance coverage because we’re going to demonstrate how to quote online to find better coverage at a better price.

Kia Rio rates influenced by many factors

An important part of buying insurance is that you know the rating factors that go into determining your insurance rates. Knowing what controls the rates you pay enables informed choices that can help you get lower insurance prices.

  • Keep rates low by being claim-free – Auto insurance companies give discounts to insureds who are claim-free. If you tend to file frequent claims, you can expect higher rates. Your insurance policy is designed for larger claims.
  • Pleasure use or commuting – The more you drive every year the higher your rate. Most companies rate vehicles based on their usage. Vehicles left parked in the garage receive lower rates than those used for commuting. Make sure your insurance policy is showing the correct driver usage, because improper ratings can cost you money. If your policy improperly rates your Rio can result in significantly higher rates.
  • Cautious drivers pay less – Only having one moving violation can boost insurance rates by as much as thirty percent. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers with severe tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.
  • Your occupation can affect rates – Did you know your job can affect your rates? Jobs such as doctors, business owners and financial analysts tend to pay higher average rates attributed to high stress and lots of time spent at work. Conversely, occupations like actors, engineers and performers have the lowest average rates for Rio insurance.
  • Your age impacts your rates – Older insureds are more responsible, tend to cause fewer accidents and get fewer tickets. Teen drivers have a tendency to be less responsible when behind the wheel therefore insurance rates are much higher.
  • Little extras can really add up – There are a lot of extra bells and whistles that you can get tricked into buying when buying insurance. Coverages like vanishing deductibles, accidental death and term life insurance are examples of these. They may seem like a good idea when you first buy your policy, but if they’re wasting money get rid of them and save.
  • Being married is a good thing – Having a spouse actually saves money on insurance. Having a significant other usually means you are more mature and responsible and it’s statistically proven that married couples file fewer claims.

Take advantage of discounts

Companies don’t always list every available discount very well, so we took the time to find both the well known and also the lesser-known ways to save on insurance coverage.

  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Defensive Driving Course – Taking a defensive driving course can save you 5% or more depending on where you live.
  • Organization Discounts – Being a member of a qualifying organization may earn a discount when buying insurance coverage for Rio insurance.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.
  • Sign Early and Save – Some companies give discounts for switching to them before your current expiration date. It can save you around 10%.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can qualify for discounts up to 30%.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy life insurance.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you could get a discount of at least 10% off all policies.
  • Accident Forgiveness – Some insurance companies will allow you to have one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.

Consumers should know that most credits do not apply the the whole policy. Some only apply to individual premiums such as liability and collision coverage. So even though they make it sound like you could get a free insurance coverage policy, it just doesn’t work that way.

To see a list of insurers with discount insurance coverage rates, click this link.

Are auto insurance companies telling the truth?

Auto insurance companies such as State Farm, Allstate and Geico consistently run ads on TV and radio. They all seem to have a common claim that you can save if you change your policy. How can each company make the same claim? It’s all in the numbers.

Insurance companies can use profiling for the type of driver that is profitable for them. For instance, a desirable insured might be between the ages of 40 and 55, owns a home, and has excellent credit. A customer that hits that “sweet spot” will get very good rates and most likely will save when switching.

Potential insureds who are not a match for these standards will be charged more money which leads to business going elsewhere. The ads say “people who switch” not “everyone that quotes” save that much. That’s why companies can make those claims. That is why drivers should quote coverage with many companies. It’s not possible to predict which insurance companies will fit your personal profile best.

How to know if you need help

When it comes to choosing the right insurance coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different.

For example, these questions might point out whether you might need an agent’s assistance.

  • Am I covered when driving on a suspended license?
  • Is pleasure use cheaper than using my 2015 Kia Rio to commute?
  • Should I have combined single limit or split liability limits?
  • What is the difference between comprehensive and collision coverage?
  • Does coverage extend to my business vehicle?
  • I have a DUI can I still get coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is business equipment covered while in my vehicle?
  • Am I insured when driving a different vehicle?
  • What discounts do I qualify for?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Car insurance 101

Knowing the specifics of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability auto insurance

Liability coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as medical expenses, legal defense fees and structural damage. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Comprehensive coverages

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, a broken windshield, a tree branch falling on your vehicle and hitting a bird. The most you’ll receive from a 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 and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverage protection

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

Collision coverage protects against things like damaging your car on a curb, rolling your car, sustaining damage from a pot hole, colliding with a tree and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical payments

Med pay and PIP coverage pay for bills for prosthetic devices, EMT expenses, ambulance fees, X-ray expenses and dental work. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Smart consumers save more

People switch companies for any number of reasons including denial of a claim, poor customer service, extreme rates for teen drivers and even delays in responding to claim requests. No matter why you want to switch, choosing a new company is not as hard as you think.

As you shop your coverage around, never reduce coverage to reduce premium. There are many occasions where consumers will sacrifice uninsured motorist or liability limits only to find out that it was a big mistake. Your aim should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

Lower-priced 2015 Kia Rio insurance can be bought from both online companies and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

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