2007 Kia Rio Insurance Quotes – 7 Tips for Best Rates

Looking for better auto insurance rates for your Kia Rio? Getting discount auto insurance over the internet might seem problematic for beginners to buying insurance on the internet. With such a large number of insurers available, how are drivers expected to have time to compare every company in order to find the lowest rates?

Compare free car insurance quotes

There are several ways you can shop for car insurance and some are more efficient than others. You can spend your afternoon talking about coverages with agents in your area, or you could save time and use the web to maximize your effort.

Most car insurance companies participate in an industry program where insurance shoppers only type in their quote data once, and each participating company returns a competitive quote based on that data. This prevents consumers from doing repetitive form submissions to every company. To access this free quoting program, click here to start a free quote.

The only downside to getting quotes like this is you don’t know exactly the insurers to get quotes from. If you wish to select specific providers to receive pricing from, we have a page of low cost car insurance companies in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, make sure you use equivalent deductibles and coverage limits for every quote you compare. If you enter differing limits you will not be able to determine which rate is truly the best. Slightly different limits could skew the results. It’s important to know that comparing more rates from different companies helps improve the odds of finding a better price.

Insurance coverage companies are expert advertisers

Companies like Progressive, Allstate and Geico endlessly run ads on television and other media. All the ads advertise the message about how much you will save if you switch your coverage. But how can every company charge less that you’re paying now? Here is the trick they use.

Most companies provide the lowest rates for the type of insured that will be a good risk. A good example of a profitable risk profile could be over the age of 50, carries full coverage, and drives less than 7,500 miles a year. A driver who fits that profile may get the lowest prices and will also save quite a bit of money when switching.

Consumers who fall short of these stringent criteria will be charged higher prices and this can result in the customer buying from a different company. The ads state “people that switch” but not “all drivers who get quotes” will save that much if they switch. That’s why companies can make the claims of big savings.

This really drives home the point why you need to compare quotes as often as possible. You cannot predict which insurance companies will have better car insurance rates than you’re paying now.

Insurance discounts are available to lower your rates

Some insurance providers don’t always publicize every discount they offer in a way that’s easy to find, so we took the time to find a few of the more well known as well as the least known credits that you can use to lower your rates.

  • Active Military Service – Being deployed in the military could qualify you for better rates.
  • Seat Belt Usage – Drivers who require all occupants to buckle up before driving can save 10% or more off the medical payments premium.
  • Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes have fewer accidents so companies give up to a 10% discount.
  • Discount for Low Mileage – Keeping the miles down on your Kia can qualify you for better rates on cars that stay parked.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for reduced rates on Rio insurance.
  • Discount for New Cars – Buying a new car instead of a used car can cost up to 25% less since new vehicles have better safety ratings.
  • Driver Training Discounts – Participating in a class that teaches safe driver techniques could earn you a small percentage discount and also improve your driving technique.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like it’s possible to get free car insurance, it’s just not the way it works. But all discounts will cut the amount you pay for coverage.

Large insurance companies and a partial list of their discounts can be found below.

  • Progressive discounts include online signing, multi-policy, multi-vehicle, homeowner, and continuous coverage.
  • AAA offers premium reductions for AAA membership discount, good student, education and occupation, good driver, anti-theft, pay-in-full, and multi-car.
  • Farmers Insurance offers discounts for homeowner, pay in full, switch companies, business and professional, alternative fuel, teen driver, and electronic funds transfer.
  • Geico may include discounts for emergency military deployment, driver training, anti-theft, seat belt use, and military active duty.
  • Esurance offers discounts including paid-in-full, anti-theft, Switch & Save, online shopper, and online quote.
  • SAFECO has savings for anti-lock brakes, bundle discounts, anti-theft, safe driver, and drive less.
  • State Farm has discounts for passive restraint, Steer Clear safe driver discount, Drive Safe & Save, multiple policy, defensive driving training, and safe vehicle.

When getting free auto insurance quotes, it’s a good idea to all companies you are considering the best way to save money. Some discounts listed above may not be available in your area. To see a list of insurers that can offer you the previously mentioned discounts, click here.

Everyone needs different auto insurance coverages

When buying the best auto insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different.

These are some specific questions may help highlight if you might need an agent’s assistance.

  • Does insurance cover tools stolen from my truck?
  • Does coverage extend to Mexico or Canada?
  • How do I insure my teen driver?
  • Does coverage extend to my business vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Where can I find DUI or SR-22 insurance?
  • How can I force my company to pay a claim?
  • Can I afford to buy a different vehicle if my 2007 Kia Rio is totaled?
  • Does car insurance cover theft of personal property?
  • Is my state a no-fault state?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Car insurance coverages for a 2007 Kia Rio

Understanding the coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, fire damage, hitting a deer and damage from getting keyed. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability auto insurance

Liability coverage will cover damages or injuries you inflict on people or other property in an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims such as pain and suffering, structural damage and emergency aid. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for pain medications, nursing services, ambulance fees and rehabilitation expenses. 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 as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Kia Rio.

Since a lot of 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 very important. Frequently these limits are set the same as your liablity limits.

Collision coverage protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as backing into a parked car, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

And the best car insurance company is…

In this article, we covered many tips how you can shop for 2007 Kia Rio insurance online. The key concept to understand is the more rate quotes you have, the better likelihood of getting the cheapest auto insurance. You may even discover the best premium rates are with a smaller regional carrier.

More affordable insurance coverage is attainable on the web in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who may not have price quotes online and usually these small insurance companies prefer to sell through local independent agents.

Insureds leave their current company for many reasons like questionable increases in premium, denial of a claim, extreme rates for teen drivers or an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new company can be easier than you think.

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