Lower Your 2001 Kia Rio Car Insurance Quotes

Trying to find better auto insurance rates for your Kia Rio? Pricey auto insurance can stress out your checking account and possibly require you to analyze your spending habits. Price shopping at each renewal is an excellent way to ensure you are getting the best deal.

You have so many car insurance companies to buy insurance from, and even though it’s nice to have a choice, so many choices can make it hard to find the best rates for your vehicles.

Compare auto insurance rate quotes online

The majority of larger companies provide coverage prices from their websites. Comparing rates online doesn’t take much effort as all you need to do is type in the amount of coverage you want on the page. Once you submit the form, the system gets reports for credit and driving violations and returns pricing information. Online price quotes simplifies rate comparisons, but the process of having to visit a lot of sites and type in your information is a big time waster. But it is imperative to do this in order to get a better rate.

There is a better way to compare rates

The easiest way to find lower prices makes use of a single form to return rates from several companies at one time. It saves time, eliminates repetitive work, and makes comparison shopping a little more enjoyable. After sending the form, it is rated and you can select any or none of the quote results.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. The whole process only takes a few minutes and can result in significant savings.

To quickly find out what other companies charge, click here to open in a new tab and fill out the form. If you currently have coverage, we recommend you enter exactly as they are listed on your policy. This guarantees you will have a rate comparison for similar insurance coverage.

Are you qualifying for every discount?

Some insurance providers don’t always list all disounts in an easy-to-find place, so below is a list a few of the more common as well as some of the hidden credits available to bring down your rates.

• Responsible Drivers – Insureds without accidents could pay up to 40% less for Rio coverage compared to accident prone drivers.
• Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems could see savings of more than 20%.
• Save with More Vehicles Insured – Drivers who insure several vehicles on a single policy can get a discount on all vehicles.
• Switch and Save Discount – Some car insurance companies give discounts for switching to them before your current coverage expires. It’s a savings of about 10%.
• Savings for New Vehicles – Buying a new car model can save you some money because new model year vehicles have to meet stringent safety requirements.
• Life Insurance Discount – Insurance carriers who offer life insurance give a discounted price on car insurance if you buy life insurance.

Don’t be surprised that most of the big mark downs will not be given to the entire policy premium. Some only reduce individual premiums such as comprehensive or collision. If you do the math and it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Some companies who might offer some of the discounts shown above may include but are not limited to:

• Farmers Insurance
• Esurance
• State Farm
• Geico
• Allstate

If you need low cost car insurance quotes, ask all the companies which discounts they offer. Some of the discounts discussed earlier may not apply to policyholders everywhere. To choose providers that offer discounts, follow this link.

When in doubt talk to an agent

When it comes to buying the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s needs are different so your insurance should reflect that For example, these questions may help highlight if your situation may require specific advice.

• Is a fancy paint job covered?
• What is UM/UIM insurance?
• What if I total my 2001 Kia Rio and owe more than it’s worth?
• Is my trailer covered?
• Am I covered when driving a rental car?
• Can I get a multi-policy discount?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Coverages available on your policy

Understanding the coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages offered by car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits are similar to your liability insurance amounts.

Liability coverages

Liability coverage will cover damage or injury you incur to a person or their property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has 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 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things such as repair bills for other people’s vehicles, funeral expenses and legal defense fees. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as nursing services, chiropractic care and rehabilitation expenses. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with another moving vehicle, sustaining damage from a pot hole, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as falling objects, theft and hail damage. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.