2018 Kia Rio Insurance Rates

Searching for cheaper insurance coverage rates? Consumers have options when looking for the lowest priced Kia Rio insurance. You can either spend your time struggling with agents to get rate comparisons or leverage the internet to get rate quotes. There are both good and bad ways to buy insurance coverage so you’re going to learn the best way to quote coverages for a Kia and get the lowest possible price either online or from local insurance agents.

Compare quotes for auto insurance

There are a lot of ways to compare auto insurance quotes, but some are easier and takes less work. You could waste time driving to local insurance agents in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Many insurance companies participate in a marketplace where insurance shoppers enter their coverage request one time, and at least one company can provide price quotes determined by their information. This system prevents you from having to do quote requests to each individual auto insurance company.

To compare pricing click here to start a free quote.

The single downside to doing it this way is you are unable to specify the insurers to get quotes from. If you prefer to choose specific insurance companies to request quotes from, we have a listing of low cost auto insurance companies in your area. Click to view list.

Whichever way you use, do your best to use identical information on every quote you get. If you have higher or lower deductibles then you won’t be able to truly determine the lowest rate.

Insurance Coverage Discounts

Some companies don’t necessarily list all their discounts very clearly, so below is a list both the well known and also the lesser-known discounts that may be available.

  • Multi-line Discount – Select insurance coverage companies reward you with a discount if you purchase a life insurance policy as well.
  • Federal Employees – Being employed by or retired from a federal job could provide a small rate reduction for Rio insurance with a few insurance coverage companies.
  • Home Ownership Discount – Owning a house may trigger a policy discount on insurance coverage due to the fact that maintaining a home is proof that your finances are in order.
  • Accident Forgiveness – This one is not really a discount per se, but some insurance companies will let one accident slide before your rates go up so long as you haven’t had any claims prior to the accident.
  • Discount for Multiple Policies – If you insure your home and vehicles and insure them with the same company you could save up to 20% and get you cheaper insurance.
  • Early Switch Discount – Some insurance companies give discounts for signing up before your current expiration date. It could save around 10% when you buy insurance online.

Discounts lower rates, but most credits do not apply to the entire policy premium. Most only apply to individual premiums such as comp or med pay. Despite the appearance that you could get a free insurance coverage policy, that’s just not realistic.

Popular insurance coverage companies and a partial list of their discounts are shown below.

  • Geico offers discounts for anti-theft, membership and employees, air bags, defensive driver, and emergency military deployment.
  • SAFECO offers premium reductions for homeowner, multi-car, teen safety rewards, safe driver, teen safe driver, drive less, and accident prevention training.
  • State Farm includes discounts for student away at school, good student, multiple policy, passive restraint, and anti-theft.
  • MetLife has savings for multi-policy, claim-free, defensive driver, good student, accident-free, good driver
  • 21st Century may offer discounts for air bags, anti-lock brakes, early bird, homeowners, and teen driver.
  • Progressive discounts include homeowner, multi-vehicle, online quote discount, good student, multi-policy, continuous coverage, and online signing.

Before buying, ask each insurance company which discounts they offer. Some of the discounts discussed earlier may not apply in your state. If you would like to choose from a list of companies who offer discounts, follow this link.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage, there really is no cookie cutter policy. Everyone’s situation is unique.

For instance, these questions may help you determine if your situation may require specific advice.

  • When does my teenage driver need to be added to my policy?
  • Am I covered when driving someone else’s vehicle?
  • Am I covered if I break a side mirror?
  • Does insurance cover tools stolen from my truck?
  • What are the financial responsibility laws in my state?
  • Are my friends covered when driving my 2018 Kia Rio?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Decisions you make can impact your insurance rates

One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that aid in calculating the level of your policy premiums. When you understand what impacts premium levels, this empowers consumers to make smart changes that may result in much lower annual insurance costs.

The following are a few of the things car insurance companies consider when setting premiums.

  • Proper usage rating affects costs – Driving more miles annually the more it will cost to insure it. A lot of companies price each vehicle’s coverage based upon how much you drive. Vehicles used primarily for pleasure use receive better premium rates compared to those used for work or business. Incorrect rating for your Rio may be costing you higher rates. It’s always a good idea to double check that your declarations sheet is showing annual mileage.
  • Occupation stress can make you pay more – Careers such as fire fighters, architects and emergency personnel are shown to have higher premiums than the average policyholder because of job stress and lots of time spent away from family. On the flip side, professions such as professors, athletes and performers receive lower rates for Rio insurance.
  • Safer the car lower the rate – Vehicles with high crash test scores tend to have lower insurance rates. Safe vehicles have better occupant injury protection and fewer serious injuries means lower claim amounts and cheaper rates on your policy. If your Kia Rio scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Married drivers pay less – Having a wife or husband can actually save you money on car insurance. Marriage translates into being more mature than a single person and insurance companies reward insureds because married couples file fewer claims.
  • If you don’t need it don’t buy it – Policies have additional coverages that can add up when buying car insurance. Things like roadside assistance, towing coverage, and term life insurance may be costing you every month. These may sound like a good investment when you first buy your policy, but your needs may have changed so eliminate them to save money.

Car insurance coverage basics

Learning about specific coverages of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your 2018 Kia Rio.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto liability insurance

Liability insurance protects you from damage or injury you incur to people or other property. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers claims like funeral expenses, repair costs for stationary objects, medical expenses and medical services. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Comprehensive coverages

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like fire damage, rock chips in glass and vandalism. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage

Collision coverage will pay to fix damage to your Rio from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things like colliding with a tree, hitting a mailbox, crashing into a building, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills for nursing services, prosthetic devices and rehabilitation expenses. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Smart consumers save more

When trying to cut insurance costs, it’s a bad idea to reduce coverage to reduce premium. There are many occasions where someone dropped uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. The proper strategy is to buy a smart amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Some insurance companies don’t offer rate quotes online and most of the time these small, regional companies prefer to sell through local independent agents. Affordable 2018 Kia Rio insurance can be purchased both online and with local insurance agents, and you need to price shop both to have the best rate selection.

We’ve covered a lot of ways to save on 2018 Kia Rio insurance. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the best rates are with an unexpected company.

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