2015 Kia Rio Insurance Quotes – 5 Tricks for Best Rates

Looking for better insurance coverage rates for your Kia Rio? Expensive insurance coverage can bottom out your checking account and possibly require postponing other expenditures. Doing a rate analysis is a smart way to make ends meet.

People have so many insurance companies to buy insurance from, and though it is a good thing to be able to choose, lots of choices makes it harder to find the best rates for your vehicles.

Smart consumers take time to price shop coverage yearly because insurance coverage prices tend to go up over time. Even if you think you had the best deal for Rio insurance last year you can probably find a better rate now. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to the tricks you need to know to lower your rates without sacrificing coverage.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are insured now or are just looking to switch companies, you can use this information to find the best rates and still get good coverage. Consumers just need to know the proper way to compare prices online.

Get affordable rates by applying these five discounts

Some insurers don’t necessarily list their entire list of discounts very well, so the below list has some of the best known as well as some of the hidden discounts that you can inquire about if you buy auto insurance online.

  • Discount for Swiching Early – Some insurance companies provide a discount for switching policies before your current expiration date. You could save around 10% when you buy auto insurance online.
  • Safe Driver Discount – Insureds without accidents may save up to 50% more for Rio insurance compared to accident prone drivers.
  • Homeowners Discount – Just being a homeowner can earn you a little savings since owning and maintaining a home requires personal responsibility.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts may be able to save a few bucks off the personal injury premium cost.
  • Employee of Federal Government – Active or retired federal employment may qualify for a discount when you quote auto insurance for Rio insurance depending on your company.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to your bottom line cost. A few only apply to individual premiums such as comp or med pay. Even though it appears all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

To view car insurance companies that offer the discounts shown above, click this link.

Does car insurance advertising bend the truth?

Drivers constantly see and hear ads for car insurance savings by State Farm, Allstate and Geico. All the ads state the claim that drivers will save a bundle if you move your policy.

How do they all offer drivers better rates? It’s all in the words they use.

Car insurance companies have specific criteria for the type of customer that earns them the most money. A good example of a driver they prefer may be a mature driver, insures multiple vehicles, and does not commute to work. Anybody who matches those parameters may get the lowest prices and most likely will pay quite a bit less when switching companies.

People who fall short of those standards will see higher premiums and the driver buying from a lower-cost company. The trick companies use is to say “customers who switch” but not “all drivers who get quotes” save that much when switching. This is how companies can truthfully claim big savings. That is why you need to compare price quotes frequently. It is impossible to predict which company will have the lowest rate quotes.

Your insurance coverage should be tailored to you

When buying adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions might point out if your situation would benefit from an agent’s advice.

  • What is UM/UIM insurance?
  • When should I remove comp and collision on my 2015 Kia Rio?
  • Why am I required to get a high-risk car insurance policy?
  • Do I have coverage for damage caused while driving under the influence?
  • Is my nanny covered when driving my vehicle?
  • What is the difference between comprehensive and collision coverage?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Car insurance policy specifics

Learning about specific coverages of a car insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages offered by car insurance companies.

Auto collision coverage

This will pay to fix damage to your Rio from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Liability car insurance

Liability coverage provides protection from injuries or damage you cause to a person or their property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as medical services, attorney fees, bail bonds, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Insurance for medical payments

Med pay and PIP coverage pay for expenses like ambulance fees, funeral costs, hospital visits and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as falling objects, damage from getting keyed, damage from flooding, fire damage and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Kia Rio.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

In any little way, save everyday

Cheap 2015 Kia Rio insurance is attainable online and also from your neighborhood agents, so you should compare both so you have a total pricing picture. There are still a few companies who do not offer online quoting and many times these smaller companies prefer to sell through independent insurance agents.

When getting auto insurance quotes online, never buy poor coverage just to save money. There are too many instances where an insured dropped comprehensive coverage or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to get the best coverage possible at the best price, but don’t skip important coverages to save money.

More tips and info about insurance coverage is located by following these links: