View 2004 Kia Rio Insurance Rates

Car owners fed up with high insurance prices and are new to comparison shopping online are likely to find locating cheap car insurance is more work than they anticipated.

If you have car insurance now, you will be able to lower your premiums substantially using these tips. Finding the best car insurance is simple if you know the tricks. But drivers should learn the way companies sell online because it can help you find the best coverage.

How to compare free insurance coverage quotes

When looking for inexpensive car insurance quotes, there are a couple ways of comparing price quotes from different insurance companies. By far the easiest way to find affordable 2004 Kia Rio insurance rates is to use the internet to compare rates. This is quite simple and can be completed by using one of the methods below.

1. The first (and easiest) way to get quotes would be an industry-wide quote request form (click to open form in new window). This quick form saves time by eliminating separate quotation requests to each individual insurance coverage company. Filling out one form will return price quotes from multiple low-cost companies. It’s the fastest way to compare.
2. A more time consuming way to find more affordable insurance is going to the website for every company you want to comare to complete a price quote. For examples sake, we’ll assume you want to compare prices for Farmers, Liberty Mutual and Allstate. To do that, you would have to take the time to go to each site to enter the same coverage data repeatedly, which can get old fast.

   For a list of companies in your area, click here.

3. The hardest way to get price estimates to and from local insurance agencies. The ability to buy insurance online has made agencies unnecessary unless you’re the type of person who wants the peace of mind of an agent trained in personal lines coverage. It is possible to get the lowest quotes online but have a local agent actually write the policy.

Take whichever approach you prefer, but be sure to compare identical coverages and limits for every quote you compare. If you have different deductibles you can’t possibly determine which rate is truly the best. Just slight variations in coverages can mean a large discrepancy in price. And when quoting insurance coverage, remember that quoting more provides better odds of finding the best price. Not every company does price estimates online, so it’s important to also get price quotes from the smaller companies as well.

Cheaper rates with these discounts

Auto insurance is not inexpensive, but you can get discounts that you may not even know about. Some of these disounts will be visible when you complete an application, but occassionally some discounts must be asked for before you will receive the discount.

• ABS Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes can avoid accidents so companies give up to a 10% discount.
• Discount for Life Insurance – Insurance companies who offer life insurance give a discounted premium rate on car insurance if you buy a life policy as well.
• Low Mileage Discounts – Fewer annual miles on your Kia could earn discounted rates on garaged vehicles.
• No Accidents – Drivers who stay claim-free can earn big discounts in comparison to bad drivers.
• Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% for Rio coverage depending on your auto insurance provider.
• New Vehicle Savings – Adding a new car to your policy can save you some money because newer models have to meet stringent safety requirements.
• Defensive Driver – Taking part in a defensive driver course may get you a small discount and easily recoup the cost of the course.
• Pay Early and Save – If you pay your bill all at once as opposed to paying monthly you may reduce your total bill.
• Distant Student Discount – Older children living away from home attending college and do not take a car to college may be able to be covered for less.

One thing to note about discounts is that many deductions do not apply to the entire policy premium. The majority will only reduce individual premiums such as medical payments or collision. So even though you would think adding up those discounts means a free policy, nobody gets a free ride.

Larger auto insurance companies and some of the premium reductions they offer can be read below.

• State Farm includes discounts for Drive Safe & Save, anti-theft, safe vehicle, good student, multiple autos, and accident-free.
• Farmers Insurance has savings for bundle discounts, switch companies, alternative fuel, multi-car, homeowner, and youthful driver.
• Progressive offers discounts including online quote discount, continuous coverage, multi-policy, multi-vehicle, good student, homeowner, and online signing.
• Geico offers discounts for air bags, driver training, seat belt use, federal employee, anti-theft, military active duty, and membership and employees.
• Auto-Owners Insurance has discounts for safe vehicle, company car, safe driver, mature driver, and multiple vehicles.
• The Hartford policyholders can earn discounts including good student, bundle, vehicle fuel type, defensive driver, driver training, and anti-theft.
• Farm Bureau may offer discounts for multi-policy, driver training, good student, youthful driver, and multi-vehicle.
• USAA may include discounts for family discount, good student, new vehicle, annual mileage, military installation, loyalty savings, and driver training.

Check with each company or agent which discounts can lower your rates. Depending on the company, some discounts might not be offered in your area. To choose providers that offer the discounts shown above, follow this link.

Car insurance can be complex

When buying adequate coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

For instance, these questions may help highlight if your insurance needs would benefit from professional advice.

• When should my teen driver be added to my policy?
• Are rental cars covered under my policy?
• Are my friends covered when driving my 2004 Kia Rio?
• What is medical payments coverage?
• Am I covered if I hit a deer?
• Do I need rental car coverage?
• Can I make deliveries for my home business?
• Am I missing any policy discounts?

If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance coverage information

Knowing the specifics of your policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like vandalism, a tree branch falling on your vehicle and hail damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as scraping a guard rail, driving through your garage door, backing into a parked car, colliding with another moving vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Coverage for liability – This provides protection from damage that occurs to other’s property or people that is your fault. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like attorney fees, repair bills for other people’s vehicles, repair costs for stationary objects, pain and suffering and medical services. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist coverage – This provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for bills like chiropractic care, prosthetic devices, surgery and dental work. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay