Compare 2004 Kia Rio Car Insurance Cost

If you are a novice to online car insurance shopping, there’s a good chance you are bewildered by the crazy number of car insurance companies who claim to have the best car insurance rates.

It’s a great practice to compare rates occasionally because prices tend to go up over time. Even if you got the best rates on Rio coverage two years ago you will most likely find a better premium rate today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the fastest way to reduce your cost while improving coverage.

If you currently have car insurance, you will be able to cut costs considerably using these methods. Locating the cheapest protection can be fairly easy. Nevertheless, consumers benefit from understanding the methods companies use to market on the web and use this information to your advantage.

More affordable rates by getting discounts

Companies that sell car insurance don’t list their entire list of discounts very well, so the following is a list of both the well known and also the more inconspicuous discounts that you can inquire about if you buy car insurance online.

  • Defensive Driver Discounts – Taking a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
  • Accident Free – Good drivers with no accidents can earn big discounts when compared with accident-prone drivers.
  • Discounts for Responsible Drivers – Insureds who avoid accidents may receive a discount up to 45% on Rio coverage than drivers with accident claims.
  • E-sign Discounts – Some of the larger companies will discount your bill up to fifty bucks for signing up on the internet.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid monthly service charges.
  • Theft Prevention System – Cars with anti-theft systems can help prevent theft and will save you 10% or more.
  • Anti-lock Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive so you can save 10 percent or more.
  • Government Employee Discount – Being employed by or retired from a federal job can save as much as 8% on Rio coverage with some auto insurance companies.

As a sidenote, most credits do not apply to the entire cost. Most only apply to the cost of specific coverages such as medical payments or collision. Just because you may think all those discounts means the company will pay you, that’s just not realistic.

Some companies that may offer most of these discounts are:

When getting a coverage quote, ask every insurance company what discounts are available to you. Some of the discounts discussed earlier may not be available in your area. For a list of insurance companies that offer discounts, click this link.

Compare car insurance quotes online

All the larger car insurance companies allow you to get coverage prices direct online. Obtaining pricing is fairly simple because you just enter the coverage amounts you desire as detailed in the form. Upon sending the form, their rating system pulls credit information and your driving record and provides a quote determined by many factors.

This makes it simple to compare prices but having to visit many different websites and type in the same information is a waste of time. But it’s necessary to do this if you are searching for the lowest possible prices on car insurance.

Rate comparisons made easy

A quicker way to compare car insurance pricing uses one simple form that obtains quotes from several companies at one time. The form is fast, eliminates repetitive work, and makes quoting online a lot less work. After your information is entered, your coverage is rated with multiple companies and you can pick your choice of the pricing results.

If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. It just takes a couple of minutes and can result in significant savings.

To get comparison pricing now, simply click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you copy your coverages exactly as shown on your declarations page. This way, you will have a rate comparison for the exact same coverage.

Smart consumers can reduce insurance rates

Lots of things are used when you quote your car insurance policy. A few of the factors are predictable like an MVR report, although some other factors are less apparent like your vehicle usage or your commute time.Consumers need to have an understanding of some of the things that play a part in calculating the rates you pay for insurance. When consumers understand what impacts premium levels, this enables you to make decisions that may result in lower premium levels.

The following are some of the things used by your company to calculate premiums.

  • Bad credit hurts insurance rates – Having a bad credit score is a large factor in calculating your premium rate. So if your credit rating leaves room for improvement, you could be paying less to insure your 2004 Kia Rio by improving your rating. People with excellent credit tend to be better drivers and file fewer claims than drivers who have lower credit ratings.
  • Certain jobs raise insurance rates – Do you have a high-stress occupation? Jobs such as military personnelpolice officers and emergency personnel are shown to have the highest average rates attributed to high stress and long work hours. Other careers like farmers, athletes and the unemployed receive lower rates on Rio coverage.
  • Multiple policies with one company can save – Most major insurance companies provide a discount to buyers that have more than one policy such as combining an auto and homeowners policy. Even if you already get this discount, it’s always a smart idea to get quotes from other companies to verify if the discount is saving money.There is a good possibility that you can find better rates even if you have your coverage with different companies
  • Annual mileage and car insurance costs – Driving a lot of miles each year the higher your rate. The majority of insurers rate vehicles partially by how you use the vehicle. Cars left parked in the garage qualify for better rates than those that get driven frequently. Having the wrong rating on your Rio can cost quite a bit. It’s always a good idea to double check that your insurance policy reflects the correct usage for each vehicle.
  • Lower insurance rates with alarm systems – Choosing to buy a car with a theft deterrent system can save you some money. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft and help lower rates.
  • Are men or women drivers cheaper? – Statistics demonstrate that women are safer drivers than men. It does not mean males are worse at driving than females. Males and females are responsible for accidents at about the same rate, but the male of the species tend to have more serious accidents. In addition to higher claims, males also receive more costly citations like driving under the influence (DUI). Young males generally have the highest accident percentage and therefore pay the highest rates.

Your insurance coverage should be tailored to you

When choosing proper insurance coverage, there is no perfect coverage plan. Each situation is unique.

Here are some questions about coverages that may help you determine if your insurance needs could use an agent’s help.

  • Can my teen drive my company car?
  • How do I file an SR-22 for a DUI in my state?
  • Is a blown tire covered by insurance?
  • Should I get collision insurance on every vehicle?
  • Where can I find DUI or SR-22 insurance?
  • Is my babysitter covered when using my vehicle?
  • Should I have combined single limit or split liability limits?
  • Do I need more liability coverage?
  • Do I have newly-aquired coverage?
  • Should I file a claim if it’s only slightly more than my deductible?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Buyer beware of insurance coverage advertising tricks

Insurance coverage companies such as 21st Century, Allstate and State Farm regularly use television and radio advertisements. They all seem to make the point that drivers will save a bundle if you move your coverage to them. But how can every company make the same claim? You have to listen carefully.

Many companies have an ideal profile for a prospective insured that will generate a profit. For instance, a desirable risk might have to be between the ages of 30 and 45, has no driving citations, and drives less than 7,500 miles a year. A customer who fits those characteristics will most likely get cheap prices as well as cut their rates substantially.

Potential customers who don’t meet those standards will probably have to pay higher prices which leads to the prospect going elsewhere. The trick is to say “people that switch” not “all people who quote” save that much when switching. That is how companies can truthfully make those claims.

Different companies use different criteria so it is so important to get price quotes at each policy renewal. It’s just too difficult to predict the company that will have the best prices.

Learn about car insurance coverages for a 2004 Kia Rio

Knowing the specifics of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Comprehensive protection – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, vandalism, fire damage, a broken windshield and damage from getting keyed. 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 consider removing comprehensive coverage.

Liability coverage – Liability coverage will cover damage that occurs to people or other property in an accident. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

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 limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims such as repair bills for other people’s vehicles, repair costs for stationary objects, court costs and structural damage. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Medical expense coverage – Coverage for medical payments and/or PIP kick in for expenses for things like pain medications, ambulance fees and EMT expenses. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Kia Rio.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently these coverages are set the same as your liablity limits.

Collision – Collision insurance will pay to fix damage to your Rio resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as crashing into a building, damaging your car on a curb, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Have the Midas touch

We’ve covered some good ideas how to get a better price on 2004 Kia Rio insurance. It’s most important to understand that the more companies you get prices for, the more likely it is that you will get a better rate. You may even discover the lowest premium rates are with a small mutual company.

A few companies may not offer online rate quotes small, regional companies only sell coverage through local independent agencies. Lower-priced car insurance is available both online and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money.

Insureds switch companies for a variety of reasons including denial of a claim, lack of trust in their agent, questionable increases in premium and delays in paying claims. Regardless of your reason, finding a new car insurance company is pretty easy and you might even save some money in the process.

Additional car insurance information is located at the links below