2017 Kia Rio Insurance Quotes

Want cheaper car insurance rates for your Kia Rio? Trying to find cheaper insurance for a Kia Rio can be an all-consuming task, but you can follow our car insurance buying tips to find lower rates.

There is a right way and a wrong way to find car insurance online and you need to know the proper way to quote coverages for your Kia and obtain the lowest price.

It’s a good habit to do rate comparisons yearly because insurance prices are constantly changing. If you had the lowest price on Rio insurance a year ago you will most likely find a better rate quote today. Ignore everything you know about car insurance because you’re about to learn one of the best ways to lower your annual insurance bill.

Shopping for the best coverage is easy if you know what you’re doing. If you have a policy now or are looking for a new policy, you will benefit by learning to find better prices and possibly find even better coverage. Consumers just need to know the best way to get comparison quotes over the internet.

How to lower your insurance cost

Finding a lower price on 2017 Kia Rio insurance is pretty simple and can save money. Just take a couple of minutes to compare rate quotes to find. Rate comparisons can be done using one of these methods.

The fastest way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This type of form keeps you from doing repetitive form submissions for every insurance company. Taking the time to complete one form gets rate comparisons direct from many companies. It’s definitely the quickest method.

A more time consuming way to get quotes online is spending the time to visit each individual company website to complete a price quote. For examples sake, we’ll assume you want to see prices from Farmers, State Farm and Allstate. In order to get each rate, you would have to go to every website to enter your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.

Whichever method you choose, double check that you are using identical deductibles and coverage limits for each comparison quote. If you are comparing differing limits then you won’t be able to decipher which rate is best.

Lower rate quotes with discounts

Auto insurance is expensive, but companies offer discounts to cut the cost considerably. Most are applied when you complete an application, but once in a while a discount must be inquired about prior to receiving the credit.

  • Online Discount – Some companies will give a small break get car insurance on the internet.
  • Seat Belt Usage – Requiring all passengers to use a seat belt can save up to 15% on the premium charged for medical payments and/or PIP.
  • Bundle and Save – If you can combine your home and auto policy with one insurance company you could save at least 10% off all policies.
  • Fewer Miles Equal More Savings – Low annual miles may enable drivers to earn substantially lower prices.
  • Senior Citizen Rates – Older drivers may qualify for a small decrease in premiums on Rio insurance.
  • Discounts for Government Workers – Having worked for a branch of the government can earn a discount up to 10% on Rio insurance with a few auto insurance companies.
  • Payment Method – By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • Passive Restraints – Factory air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Organization Discounts – Belonging to a qualifying organization may earn a discount on your bill.
  • Renewal Discounts – Some insurance companies give discounts for buying a policy prior to the expiration date on your current policy. This discount can save up to 10%.

Discounts lower rates, but many deductions do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, companies don’t profit that way.

A few of the larger companies and the discounts they provide can be found below.

  • State Farm may include discounts for good student, anti-theft, Steer Clear safe driver discount, good driver, accident-free, passive restraint, and safe vehicle.
  • Farmers Insurance policyholders can earn discounts including mature driver, homeowner, youthful driver, early shopping, pay in full, and teen driver.
  • Progressive has savings for continuous coverage, multi-policy, online quote discount, online signing, homeowner, and good student.
  • GEICO offers premium reductions for federal employee, membership and employees, five-year accident-free, multi-policy, and anti-theft.
  • Auto-Owners Insurance includes discounts for multiple vehicles, anti-lock brakes, good student, safe vehicle, and paperless.
  • The Hartford may have discounts that include anti-theft, vehicle fuel type, good student, bundle, air bag, and driver training.
  • Farm Bureau may offer discounts for good student, multi-vehicle, 55 and retired, safe driver, and driver training.
  • USAA has discounts for safe driver, driver training, good student, military installation, and new vehicle.

Before you buy a policy, ask every prospective company how you can save money. Some of the earlier mentioned discounts might not be offered in every state. If you would like to choose from a list of providers with discount auto insurance rates, click this link.

What is the best auto insurance coverage?

When it comes to buying the right insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions can aid in determining whether you may require specific advice.

  • Does insurance cover tools stolen from my truck?
  • What is the difference between comprehensive and collision coverage?
  • Is my Kia Rio covered if I use it for business?
  • Does medical payments coverage apply to all occupants?
  • Are rental cars covered under my policy?
  • Should I file a claim if it’s only slightly more than my deductible?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Detailed coverages of your auto insurance policy

Learning about specific coverages of a auto insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like X-ray expenses, nursing services, funeral costs and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage protection

This pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as backing into a parked car, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hail damage, theft, a tree branch falling on your vehicle, a broken windshield and hitting a deer. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many 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. Frequently these coverages are similar to your liability insurance amounts.

Liability auto insurance

This protects you from damages or injuries you inflict on other’s property or people. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as repair costs for stationary objects, emergency aid, attorney fees, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but buy as much as you can afford.