2002 Kia Rio Car Insurance Cost

Want the cheapest auto insurance rates for your Kia Rio? Are you tired of robbing Peter to pay Paul to buy auto insurance? You’re in the same situation as the majority of other drivers. Insurance companies such as Geico, 21st Century and Progressive promote their brand names with catchy ads and it is challenging if not impossible to see past the corporate glitz and find the best price available.

Which auto insurance is cheapest?

Reducing your 2002 Kia Rio insurance rates is an easy way to save money. The only thing you need to do is spend a few minutes on the computer comparing rate quotes to see which company has affordable insurance coverage quotes. Comparing prices online can be done by using one of the methods below.

  1. Hands down the most simple method to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This style of form eliminates the need for boring form submissions for every company. Completing one form will return quotes from several companies.
  2. A harder way to obtain and compare quotes online is spending the time to visit each company website and request a quote. For examples sake, we’ll assume you want rates from Nationwide, 21st Century and Progressive. To do that, you would have to spend time going to each site individually and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

How you compare quotes is your choice, just be sure to compare nearly identical coverages on every price quote you get. If you have unequal deductibles or liability limits it will be nearly impossible to determine which rate is truly the best.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different so this has to be addressed. For example, these questions can help discover if your insurance needs may require specific advice.

  • Which companies will insure high-risk drivers?
  • Is my babysitter covered when using my vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is business equipment covered while in my vehicle?
  • When would I need additional glass coverage?
  • What if I total my 2002 Kia Rio and owe more than it’s worth?
  • Do I need roadside assistance coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area. It’s fast, free and you can get the answers you need.

Specifics of your insurance policy

Knowing the specifics of insurance aids in choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on most insurance policies.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as pain medications, chiropractic care, prosthetic devices, dental work and funeral costs. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability coverage

This can cover damage or injury you incur to people or other property. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things like loss of income, pain and suffering and court costs. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Uninsured or underinsured coverage

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Kia Rio.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage protection

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like driving through your garage door, crashing into a building and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Comprehensive protection

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, rock chips in glass, theft and hail damage. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Comments About 2002 Kia Rio Insurance

  1. Sharika Woodward

    In Reno, NV, AIG Insurance had the best rates for my 2002 Kia Rio. I’m a pretty low risk driver. It’s too old for full coverage.

  2. Jalisa Richmond

    If you have a good history and are close to Charlotte, NC, check out Allstate. You might save some money. Good savings if you bundle.

  3. Eloisa Black

    I’m just north of Overland Park, Kansas. Quoted prices online for a 2002 Kia Rio. Ended up at about $90 savings annually. Went with Progressive. Left Amica to switch. Good multi-policy discounts. I’m thinking about dropping full coverage though.

  4. Yung Carroll

    I compared a lot of rate quotes for a 2002 Kia Rio in Denver, Colorado. Ended up at darn near $120 every six months with American Family. Liability only on my Rio.

  5. Herlinda Weiss

    Will State Farm raise rates after an accident?

  6. Shavonda Hicks

    I live just outside Boise, Idaho. I got free rates from Progressive, Eastwood, and Liberty Mutual for my 2002 Kia Rio and I think I am saving around $20 each month. Insured with 21st Century before. I get lower rates because of my clean driving record. I used their website to get prices. Just liability coverage since it’s getting old.

  7. Shanae Morton

    Liked the article. From a town just southwest of Parkersburg, WV. I quoted with American Family, Nationwide, and a few others for my 2002 Kia Rio and saved just over $70 a year. Hopefully won’t need it. Highly recommended.

  8. Kimbery Emerson

    I found affordable 2002 Kia Rio insurance from Progressive in Chesapeake, VA.

  9. Cheyenne Moore

    All insurance companies are crooks.

  10. Burma Snyder

    It all costs too much. I’m from Aurora, IL. I compared lots of rates. Saved about $30 a month. GEICO was the cheapest for me. Insured with State Farm before. Have a couple speeding tickets too.

  11. Cesar Donovan

    Good site, thanks. From Norfolk, VA. Compared quite a few companies. Saved roughly $20 a month. GEICO was the cheapest for me.

  12. Jen Carson

    Does Allstate insure after a DUI?