Save on 2013 Kia Rio Insurance Quotes

Paying cheap coverage rates for car insurance is always very difficult for drivers who are beginners to comparison shopping online. People have so many options that it can easily be a challenge to find a cheaper company.

Smart consumers take time to get comparison quotes every six months because insurance prices are constantly changing. Just because you had the lowest rate for Rio coverage last year you can probably find a better premium rate now. You’ll find a ton of advice on car insurance on the internet, but you can learn some great ways to lower your car insurance rates.

If you currently have car insurance, you will most likely be able to save some money using these methods. This information will help you learn how car insurance quotes work and some tricks to saving. Nevertheless, car owners need to have an understanding of the methods companies use to price online insurance and take advantage of how the system works.

The quickest method we recommend to compare insurance rates in your area is to understand all the major auto insurance companies will pay a fee to quote your coverage. To start a quote, the only thing you need to do is give them rating details like your general credit rating, driver ages, whether you are single or married, and if it has an alarm system. That rating data is automatically sent to multiple companies and they return quotes with very little delay.

Discounts can really help to save

The price of auto insurance can be rather high, but there could be significant discounts that can help lower your rates. Some trigger automatically at the time of quoting, but a few must be specially asked for before you get the savings.

  • Low Miles Discount – Fewer annual miles on your Kia may enable drivers to earn lower insurance coveragerates due to less chance of an accident.
  • Good Student Discount – Being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Discount for Life Insurance – Select insurance companies reward you with lower premium rates if you buy some life insurance in addition to your auto policy.
  • No Accidents – Insureds who avoid accidents and claims get the best insurance coverage rates in comparison with drivers with a long claim history.
  • Employee of Federal Government – Active or former government employment may reduce rates when you quote auto insurance for Rio coverage but check with your company.
  • Multi-policy Discount – When you have multiple policies with one insurance company you could earn a discount of over 10 percent off each policy depending on the company.
  • No Charge for an Accident – Not necessarily a discount, but certain companies may permit one accident without the usual rate increase as long as you don’t have any claims prior to being involved in the accident.
  • Save with More Vehicles Insured – Buying coverage for several vehicles on one policy qualifies for this discount.
  • Defensive Driver Discount – Taking a course teaching safe driver skills could possibly earn you a 5% discount depending on where you live.

Don’t be shocked that most discount credits are not given to the overall cost of the policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you could get a free insurance coverage policy, company stockholders wouldn’t be very happy. But any discount should help lower the premium cost.

A list of insurance coverage companies and some of the premium reductions they offer are outlined below.

  • Progressive has discounts for good student, continuous coverage, online signing, online quote discount, and homeowner.
  • AAA may include discounts for AAA membership discount, multi-policy, anti-theft, pay-in-full, and education and occupation.
  • Farmers Insurance offers premium reductions for pay in full, youthful driver, multi-car, switch companies, distant student, and good student.
  • Geico includes discounts for emergency military deployment, good student, defensive driver, multi-vehicle, and daytime running lights.
  • Esurance discounts include multi-policy, anti-theft, good driver, claim free, emergency road assistance, and renters.
  • SAFECO offers discounts for anti-theft, homeowner, accident prevention training, safe driver, drive less, anti-lock brakes, and teen safe driver.
  • State Farm offers discounts including Steer Clear safe driver discount, accident-free, student away at school, anti-theft, passive restraint, and driver’s education.

When quoting, ask each insurance company which discounts you qualify for. Savings may not be offered everywhere. To see insurance companies who offer online insurance coverage quotes, click here to view.

Components of your Kia Rio insurance premiums

Smart consumers have a good feel for the rating factors that help calculate the rates you pay for insurance. If you have a feel for what positively or negatively impacts your premiums, this allows you to make good choices that may result in much lower annual insurance costs. Many things are taken into consideration when you get a price on insurance. Most are fairly basic like an MVR report, but others are less apparent such as whether you are married or how safe your car is.

  • Insurance is expensive for younger drivers – Older, more experienced drivers have been proven to be more responsible, tend to cause fewer accidents and get fewer tickets.Teenage drivers have been known to be less responsible with other occupants in the car so insurance rates are higher.
  • Cheaper to insure women? – Statistics show that females tend to be a little less risky than males. The data does not necessarily mean that men are WORSE drivers than women. They both cause at-fault accidents at a similar rate, but guys get into accidents with more damage. Men also get higher numbers of serious violations such as DWI and reckless driving. Youthful male drivers have the highest risk to insure and therefore are the most expensive to insure.
  • Companies want multiple policies – Lots of insurance companies give lower prices to buyers who consolidate policies with them in the form of a multi-policy discount. The amount of the discounts can be as much as ten percent or more If you currently are using one company, it’s in your best interest to check prices from other companies to make sure you are getting the best deal. Consumers may save even more than the discount by buying insurance from a different company.
  • Defend yourself with liability protection – Liability coverage is the protection in the event that you are responsible for damages from an accident. Your liability coverage provides legal defense which can cost thousands of dollars. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
  • Be proud to be claim-free – Companies award better rates to drivers who are not frequent claim filers. If you frequently file small claims, you can definitely plan on either higher rates or even cancellation. Your insurance policy is meant to be used in the event of the large, substantial claims.

Will just any policy work for me?

When it comes to buying proper insurance coverage, there really is no one size fits all plan. Each situation is unique.

For instance, these questions may help you determine if you would benefit from an agent’s advice.

  • I have a DUI can I still get coverage?
  • Am I better off with higher deductibles on my 2013 Kia Rio?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can I afford low physical damage deductibles?
  • Why am I required to buy liability insurance?
  • What is an SR-22 filing?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance advertising gotchas

Popular auto insurance providers such as State Farm, Geico and Progressive seem to constantly run television, radio, and online ads. All the companies make the point that drivers will save a bundle if you get a free auto insurance quote and switch your auto insurance coverage to their company. It sounds good, but how can they all offer you a better deal? It’s all in the wording.

Auto insurance companies give the cheapest rates for a prospective insured that will not have excessive claims. One example of this type of risk profile may need to be over the age of 40, has no claims, and drives a lower-performance vehicle. Any person who fits those characteristics will probably get the lowest rates and is almost guaranteed to save a lot if they switch.

Potential customers who do not match this ideal profile will be quoted higher rates which leads to the prospect going elsewhere. If you listen closely, the ads state “customers who switch” not “everybody who quotes” can save as much as they claim. This is how companies can truthfully advertise the way they do. Because of the profiling, you need to quote coverage with many companies. It is impossible to guess which insurance companies will have the best prices at this point in time.

Information about specific coverages

Understanding the coverages of your policy can be of help when determining 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.

Collision coverage – This pays for damage to your Rio from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like driving through your garage door, rolling your car and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your 2013 Kia Rio.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision) – This covers 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 claims such as vandalism, rock chips in glass, damage from getting keyed and hitting a deer. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Insurance for medical payments – Med pay and PIP coverage pay for short-term medical expenses for things like doctor visits, funeral costs, rehabilitation expenses and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Liability car insurance – Liability insurance provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like court costs, attorney fees, legal defense fees and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Cheaper insurance is a realistic goal

When searching for the cheapest auto insurance quotes, never buy poor coverage just to save money. There have been many cases where an insured dropped liability limits or collision coverage and learned later that the savings was not a smart move. Your strategy should be to purchase plenty of coverage for the lowest cost, but do not skimp to save money.

We just showed you a lot of techniques to get a better price on 2013 Kia Rio insurance. The key concept to understand is the more times you quote, the better your chances of lowering your rates. You may even find the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

Drivers who switch companies do it for a number of reasons such as lack of trust in their agent, policy cancellation, high rates after DUI convictions or delays in responding to claim requests. Regardless of your reason for switching companies, switching auto insurance companies is actually quite simple.

Much more information about auto insurance can be found at the links below