Save on 2006 Kia Rio Insurance Rates

Searching for the lowest price car insurance can seem to be impossible for consumers that are not comfortable with quoting and comparison shopping on the web. With so many insurance agents and companies competing online, how are we expected to even start to compare every company in order to find the lowest rates?

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. Finding affordable coverage can be fairly easy. But car owners must comprehend the way insurance companies compete online and take advantage of how the system works.

You may qualify for discounts

Some providers don’t necessarily list every available discount in a way that’s easy to find, so the list below details some of the more common and the harder-to-find discounts that you may qualify for. If you do not double check each discount available, you’re just leaving money on the table.

• Defensive Driver Discounts – Taking time to complete a course in defensive driver is a good idea and can lower rates if your company offers it.
• No Claims – Drivers with accident-free driving histories can save substantially as opposed to drivers with a long claim history.
• Waiver for an Accident – This isn’t a discount exactly, but companies like Allstate, Progressive, and Geico allow you one accident before your rates go up so long as you haven’t had any claims prior to being involved in the accident.
• Student Discount for Driver Training – It’s a good idea to have your young drivers sucessfully take a drivers education course as it will make them better drivers and lower rates.
• Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts could see savings of 20% or more.
• Discounts for Government Workers – Federal government employees can save as much as 8% for Rio coverage depending on your car insurance provider.
• College Student Discount – College-age children who live away from home to go to college and leave their car at home may be able to be covered for less.
• Multiple Vehicles – Buying insurance for multiple cars or trucks on one policy can reduce rates for all insured vehicles.

Don’t be surprised that most of the big mark downs will not be given to the entire cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like adding up those discounts means a free policy, nobody gets a free ride.

A list of car insurance companies and a summarized list of policyholder discounts are detailed below.

• State Farm discounts include student away at school, multiple policy, multiple autos, driver’s education, Drive Safe & Save, and Steer Clear safe driver discount.
• Progressive may include discounts for online signing, good student, homeowner, multi-vehicle, continuous coverage, and online quote discount.
• Travelers offers premium reductions for student away at school, home ownership, payment discounts, IntelliDrive, early quote, hybrid/electric vehicle, and good student.
• American Family offers discounts for good driver, TimeAway discount, defensive driver, good student, and accident-free.
• Liberty Mutual policyholders can earn discounts including exclusive group savings, newly retired, hybrid vehicle, new vehicle discount, multi-car, and new move discount.

Before purchasing a policy, check with every prospective company which discounts you may be entitled to. All car insurance discounts may not be available in your area.

Free car insurance rate quotes

When shopping for car insurance there are multiple ways of comparing rates from different companies. The best way to compare rates is to jump online and get quotes. It is quite easy and can be accomplished in a couple minutes as outlined below.

• The simplest way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This quick form eliminates the need for separate quote forms for each company. Taking the time to complete one form gets rate comparisons from several companies. Recommended for those who want to invest the least amount of time.
• A different way to find better pricing requires a trip to each company website and complete a new quote form. For examples sake, let’s say you want to view quotes from Geico, Safeco and Progressive. You would be required to go to every website to input your insurance information, which explains why we recommend starting with the first method.

  To view a list of companies in your area, click here.

• The last method to shop rates is to waste gas driving to insurance agencies in your area. The internet makes this unnecessary unless you have a need for the professional advice that only a licensed agent can provide. It is possible with some companies get prices online and get advice from an agent in your area.

It’s up to you how you get prices quotes, just double check that you are using nearly identical coverage limits and deductibles on every quote. If each company quotes higher or lower deductibles you will not be able to determine which rate is truly the best. Just slight variations in coverages may result in a large different in cost. Just remember that comparing a large number of companies helps you find more affordable rates.

There’s no such thing as the perfect auto insurance policy

When choosing coverage for your vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover whether your personal situation would benefit from professional advice.

• Should I sign the liability waiver when renting a car?
• Does my medical payments coverage pay my health insurance deductible?
• When does my teenage driver need to be added to my policy?
• Exactly who is provided coverage by my policy?
• Does my policy cover my teen driver if they drive my company car?
• Am I better off with higher deductibles on my 2006 Kia Rio?
• Does my policy cover me when driving someone else’s vehicle?
• Does my policy pay for OEM or aftermarket parts?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form.

Insurance coverage basics

Learning about specific coverages of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for short-term medical expenses like prosthetic devices, EMT expenses and hospital visits. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability insurance – This coverage protects you from damages or injuries you inflict on other’s property or people in an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as bail bonds, medical services, loss of income and legal defense fees. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Collision – This will pay to fix damage to your Rio resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a mailbox, rolling your car, damaging your car on a curb, sideswiping another vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Comprehensive coverages – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like theft, damage from flooding and hitting a deer. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

A fool and his money are soon parted

People who switch companies do it for many reasons like delays in responding to claim requests, being labeled a high risk driver, lack of trust in their agent or an unsatisfactory settlement offer. No matter why you want to switch, finding a new company is pretty simple and you could end up saving a buck or two.

As you go through the steps to switch your coverage, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced uninsured motorist or liability limits and found out when filing a claim that it was a big mistake. The goal is to find the BEST coverage at an affordable rate, but don’t skip important coverages to save money.

We just covered a lot of ways to reduce 2006 Kia Rio insurance prices online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding affordable insurance coverage. Drivers may discover the lowest prices are with an unexpected company.

To read more, link through to the following helpful articles:

• Understanding your Policy (NAIC.org)
• Side Impact Crash Tests (iihs.org)
• How to Avoid Staged Accidents (State Farm)
• Comprehensive Coverage (Liberty Mutual)