Compare 2011 Kia Rio Insurance Rates

There isn’t anyone who looks forward to buying insurance, particularly when the prices are way too high.

Lots of insurance companies contend for your business, so it’s not easy to compare every provider and get the best coverage at the best rates possible.

You need to shop coverage around before your policy renews due to the fact that insurance prices are constantly changing. Just because you found the best rates for Rio coverage a couple years back a different company probably has better rate quotes today. You’ll find a ton of advice on insurance on the web, but by reading this article, you’re going to learn some of the best techniques to save money.

If you currently have car insurance, you will be able to reduce your rates substantially using this strategy. Finding affordable coverage is not rocket science. But consumers benefit from understanding the way companies market on the web.

Finding insurance

There are a lot of ways to compare insurance prices but one way is less time-consuming than others. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you can utilize online quoting to get the quickest rates.

Most of the best insurance companies participate in a marketplace that enables customers to enter their coverage request one time, and at least one company then gives them pricing for coverage. This prevents consumers from doing quote requests to each individual insurance company.

To use this form to compare rates click here to open in new window.

The one disadvantage to pricing coverage this way is you can’t choose which insurance companies you will receive quotes from. So if you prefer to choose from a list of companies to request quotes from, we have a listing of the cheapest insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but make sure you use exactly the same quote information for every quote you compare. If you compare different coverage information it’s not possible to determine the best price for your Kia Rio. Quoting even small variations in coverage limits could throw off the whole comparison. And when comparing insurance rates, know that quoting more will enable you to find more affordable rates. Some smaller insurers to not give prices over the internet, so you need to compare price estimates from them, too.

Pay discount rates these money-saving discounts

Some companies don’t always list every policy discount very well, so the below list has some of the more common and the more hidden credits that you can use to lower your rates. If you check and find you aren’t receiving every discount available, you are not getting the best rate possible.

  • Discount for Good Grades – A discount for being a good student could provide a savings of up to 20% or more. This discount can apply well after school through age 25.
  • Early Renewal Discounts – A few companies allow discounts for renewing your policy before your current policy expires. It can save you around 10%.
  • Active Service Discounts – Having a family member in the military could be rewarded with lower premium rates.
  • Onboard Data Collection – Drivers that enable their auto insurance company to track driving manner remotely such as State Farm’s In-Drive might see lower rates if they show good driving skills.
  • Theft Deterent System – Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and will qualify for a discount on a auto insurance quote.
  • Safety Restraint Discount – Drivers who require all vehicle occupants to fasten their seat belts can save 10% or more on medical payment and PIP coverage.
  • Sign Online – Some of the larger companies provide a small discount shop auto insurance over the internet.
  • Student Driver Training – Require your teen driver to sucessfully take a drivers education course in high school.
  • Accident Free – Good drivers with no accidents pay less when compared to drivers who are more careless.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Most only apply to the price of certain insurance coverages like comp or med pay. Just because you may think adding up those discounts means a free policy, you’re out of luck. But any discount will definitely reduce your auto insurance premiums.

Some of the larger companies who may offer some of the discounts shown above are:

Double check with each company the best way to save money. Some of the discounts discussed earlier may not be offered in your area. To see providers with discount auto insurance rates, click this link.

Do I need special coverages?

When it comes to buying the right insurance coverage, there really is not a one size fits all plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that could help you determine whether you could use an agent’s help.

  • Can my babysitter drive my car?
  • How high should deductibles be on a 2011 Kia Rio?
  • Does insurance cover tools stolen from my truck?
  • Is motorclub coverage worth it?
  • Where can I find DUI or SR-22 insurance?
  • When should my teen driver be added to my policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • How can I force my company to pay a claim?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is my ex-spouse still covered by my policy?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Kia Rio insurance cost factors

Lots of things are part of the calculation when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, although some other factors are less apparent such as your credit history and annual miles driven.Part of the insurance buying process is learning the factors that come into play when calculating your premiums. If you know what positively or negatively impacts your premiums, this allows you to make good choices that can help you get better insurance rates.

Shown below are some of the most rate-impacting factors insurance companies consider when setting rates.

  • Get hitched and get better costs – Getting married may earn you lower rates on your insurance policy. It means you’re more responsible and statistics show being married results in fewer claims.
  • Rate your vehicle for proper use – The higher the miles on your Kia every year the more it will cost to insure it. Most insurance companies rate vehicles based upon how you use the vehicle. Cars not used for work or commuting can get a lower rate than vehicles that are driven to work every day. An incorrectly rated Rio can result in significantly higher rates. Double check that your insurance coverage properly reflects how each vehicle is driven, because it can save money.
  • Raise comp and collision deductibles and save – Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your Kia from damage. Some examples of covered claims are a broken side mirror, flood damage, and damage from a fallen tree branch. Your deductibles are the amount of money you are willing to pay in the event of a claim. The higher the amount you have to pay, the better rate you will receive for Rio coverage.
  • More than one policy can earn a discount – Most insurance companies afford better rates to customers that have more than one policy, otherwise known as a multi-policy discount. Even with this discount applied, it’s always a smart idea to check prices from other companies to guarantee you are still saving the most.
  • Too many claims drive up premiums – Car insurance companies generally give the best rates to drivers who file claims infrequently. If you are the type of insured that files lots of claims you can definitely plan on increased rates or even have your policy non-renewed. Your car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Never go without insurance – Driving without insurance can get your license suspended and insurance companies will penalize you for letting your insurance lapse for non-payment. And not only will your rates increase, the inability to provide proof of insurance may result in a license revocation or jail time.

Drivers who switch save $395 a year? Really?

Insurance companies such as Progressive, Geico, Allstate and State Farm regularly use ads on television and other media. They all seem to seem to make the promise that you’ll save big after switching your insurance coverage to their company. How can each company charge you a lower premium? Here is how they do it.

Many companies offer their best rates for the type of driver that will generate a profit. One example of a driver they prefer should be a mature driver, has a clean driving record, and the vehicle is rated for pleasure use. Any driver who matches that profile will most likely get cheap rates and as a result will probably save money with a new company.

Drivers who fall short of this ideal profile will get higher prices which leads to the prospect going elsewhere. The trick companies use is to say “people who switch” not “everyone that quotes” can save as much as they claim. That’s why insurance companies can lure you into getting a quote.

Different companies use different criteria so you need to do a quote comparison often. It’s not possible to predict which insurance company will have the lowest rates.

Auto insurance specifics

Having a good grasp of your policy can help you determine the best coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages offered by auto insurance companies.

Collision coverage

This coverage will pay to fix damage to your Rio resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a ditch, colliding with another moving vehicle, hitting a mailbox, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a bird, hail damage, fire damage and hitting a deer. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for bills for things like EMT expenses, nursing services, prosthetic devices, rehabilitation expenses and dental work. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

UM/UIM Coverage

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Kia Rio.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently these limits are similar to your liability insurance amounts.

Liability auto insurance

Liability coverage provides protection from damage that occurs to other people or property that is your fault. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things like pain and suffering, bail bonds, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Summing up your auto insurance search

We covered quite a bit of information on how to reduce 2011 Kia Rio insurance rates online. The key thing to remember is the more times you quote, the better chance you’ll have of finding cheaper auto insurance. Drivers may discover the best price on auto insurance is with an unexpected company. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

Some auto insurance companies may not have online price quotes and many times these small, regional companies only sell coverage through local independent agencies. Cheap 2011 Kia Rio insurance is attainable from both online companies as well as from insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.

As you shop your coverage around, make sure you don’t skimp on coverage in order to save money. There have been many cases where an insured cut liability coverage limits to discover at claim time they didn’t have enough coverage. The goal is to buy the best coverage you can find at the best cost, but do not skimp to save money.

More information is available at the links below