2008 Kia Rio Car Insurance Rates – 9 Tricks for Best Quotes

Looking for better auto insurance rates for your Kia Rio? Having to pay for high-priced auto insurance can drain your funds and put a big crunch on your finances. Getting a rate comparison can be a smart way to slash your bill and have more diposable income.

Numerous insurers battle for your insurance dollar, and it can be difficult to compare rates to find the lowest cost out there.

If you are paying for car insurance now, you will be able to reduce your rates substantially using this information. Finding affordable coverage is not rocket science. But car owners do need to know how big insurance companies compete online.

Lower rates by qualifying for these nine discounts

Car insurance companies don’t always advertise every discount they offer in an easy-to-find place, so we break down both the well known and also the lesser-known discounts that you may qualify for.

  • Drive Less and Save – Low mileage vehicles could be rewarded with better auto insurancerates on cars that stay parked.
  • Senior Citizen Discount – Seniors are able to get a slight reduction on a auto insurance quote on Rio insurance.
  • Auto/Life Discount – Companies who offer life insurance give a small discount if you purchase a life policy as well.
  • No Charge for an Accident – Not necessarily a discount, but a few companies such as Allstate, State Farm and Geico will turn a blind eye to one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Defensive Driver Discounts – Completing a driver safety class could possibly earn you a 5% discount if you qualify.
  • Passive Restraints – Factory air bags could see savings of more than 20%.
  • Telematics Discount – Policyholders that allow their auto insurance company to study when and where they use their vehicle by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they are good drivers.
  • ABS Brakes – Cars and trucks with ABS braking systems or traction control are safer to drive and therefore earn up to a 10% discount.
  • Professional Organizations – Joining certain professional organizations may earn a discount on your bill.

It’s important to understand that some of the credits will not apply the the whole policy. Most only apply to the price of certain insurance coverages like medical payments or collision. Just because it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

Large auto insurance companies and a selection of discounts are:

  • American Family may offer discounts for multi-vehicle, TimeAway discount, Steer into Savings, bundled insurance, air bags, early bird, and accident-free.
  • Farm Bureau includes discounts for 55 and retired, safe driver, good student, multi-vehicle, driver training, and youthful driver.
  • State Farm has discounts for safe vehicle, accident-free, good driver, good student, multiple autos, multiple policy, and passive restraint.
  • Travelers offers premium reductions for IntelliDrive, good student, multi-car, payment discounts, and hybrid/electric vehicle.
  • The Hartford offers discounts for good student, driver training, air bag, bundle, and vehicle fuel type.
  • Geico may have discounts that include multi-policy, membership and employees, military active duty, multi-vehicle, five-year accident-free, anti-lock brakes, and good student.
  • Progressive may include discounts for continuous coverage, multi-policy, good student, homeowner, and online quote discount.

Before you buy a policy, ask each company or agent how you can save money. Depending on the company, some discounts may not apply to policyholders in every state. If you would like to see a list of companies who offer cheap auto insurance quotes, click here to view.

Car insurance is unique, just like you

When buying the right insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. These are some specific questions might help in determining whether you might need an agent’s assistance.

  • Is upholstery damage covered by car insurance?
  • Am I covered if I hit a deer?
  • Will my insurance pay for OEM parts?
  • Does my 2008 Kia Rio need full coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I need added coverage for expensive stereo equipment?
  • Does coverage extend to a rental car in a foreign country?
  • When should I buy a commercial auto policy?
  • Should I get collision insurance on every vehicle?

If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Drivers who switch save $394 a year? Really?

Respected companies like Geico, State Farm and Progressive seem to constantly run ads on TV and radio. They all say the same thing that drivers will save a bundle just by switching to them. But how can every company sell you cheaper insurance coverage? Here is the trick they use.

Many companies have an ideal profile for the type of driver that earns them the highest profit. For instance, a desirable risk might be married and over the age of 30, has other policies, and has a short commute. Someone who meets those qualifications will most likely get cheap auto insurance rates and as a result will probably save a lot of money.

Consumers who cannot meet the ideal profile must pay higher prices which usually ends up with the customer not purchasing. The trick companies use is to say “drivers that switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s why insurance companies can make those claims. That is why drivers should do a rate comparison at every renewal. It’s impossible to know which car insurance company will fit your personal profile best.

Specific coverages for a 2008 Kia Rio

Having a good grasp of auto insurance can help you determine which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages offered by auto insurance companies.

Liability coverages

This coverage will cover damage or injury you incur to people or other property that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as bail bonds, repair costs for stationary objects, legal defense fees, medical services and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, falling objects, damage from getting keyed and fire damage. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Kia Rio.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as rehabilitation expenses, EMT expenses, prosthetic devices and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage covers damage to your Rio resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with another moving vehicle, hitting a mailbox, damaging your car on a curb and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

One last thing about your coverage

We just covered many ideas to shop for 2008 Kia Rio insurance online. The key concept to understand is the more times you quote, the better chance you’ll have of finding the cheapest auto insurance. You may even discover the lowest premium rates are with some of the lesser-known companies. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm and Allstate.

Budget-friendly auto insurance is possible both online and with local insurance agents, and you should compare rates from both so you have a total pricing picture. Some auto insurance companies may not provide online rate quotes and most of the time these smaller companies work with independent insurance agencies.

While you’re price shopping online, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your goal is to purchase a proper amount of coverage for the lowest cost, not the least amount of coverage.

Additional auto insurance information can be found below: