View 2008 Kia Rio Car Insurance Rates

Searching for the cheapest insurance coverage rates for your Kia Rio? Sick and tired of not being able to scrape enough together to pay your insurance coverage bill each month? You’re in the same situation as millions of other people.

With people having so many insurance companies to choose from, it can be diffult for drivers to find the cheapest insurer.

It’s important to compare rates every six months since prices change frequently. Even if you think you had the best price on Rio coverage a year ago you can probably find a lower rate today. There is a lot of bad information regarding insurance coverage online, but I’m going to show you the easiest ways to lower your insurance coverage rates.

Get more affordable insurance prices by understanding these factors

It’s important that you understand the rating factors that play a part in calculating the price you pay for auto insurance. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that can help you get lower premium levels.

  • Too many claims and you’ll pay more – If you are a frequent claim filer, don’t be surprised to see either policy cancellation or increased premiums. Insurance companies generally give discounts to drivers who only file infrequent claims. Auto insurance is intended for more catestrophic claims.
  • High credit scores save money – A driver’s credit score can be an important factor in calculating your premium rate. So if your credit history is not that good, you could be paying less to insure your 2008 Kia Rio by improving your credit score. Insureds with high credit scores tend to file fewer claims and have better driving records than drivers with lower ratings.
  • Insurance rates in urban areas – Having an address in areas with lower population is a good thing when shopping for auto insurance. Lower population means a lower chance of having an accident and lower theft and vandalism rates. People in densly populated areas regularly have more road rage incidents and longer commutes to work. Longer commute distances translates into higher accident risk.
  • Don’t get traffic citations – Careful drivers get better prices as compared to careless drivers. Having a single ticket can boost insurance rates by twenty percent. Drivers who have received careless violations such as reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state DMV in order to legally drive a vehicle.
  • GPS tracking and theft deterrents reduce rates – Selecting a car model with a theft deterrent system can save you some money. Anti-theft devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder auto theft.
  • Liability insurance limits are a factor – Liability coverage provides coverage if you are found to be at fault for physical damage or personal injury to other. This coverage provides you with a defense in court to defend your case. It is affordable coverage compared to other policy coverages, so insureds should have plenty of protection for their assets.
  • Marriage can save on auto insurance – Getting married may save some money compared to being single. It generally demonstrates drivers are more financially stable and statistics show married drivers tend to file fewer claims.

How to compare free car insurance quotes

Most of the larger companies make it easy to get prices for coverage online. Doing online price comparisons is easy for anyone as you just type in your required coverages on the page. When complete, the system requests your driving record and credit report and generates pricing information. Online price estimates makes comparing rates easy, but the work required to visit many different websites and complete many quote forms is a waste of time. But it’s absolutely necessary to compare as many rates as possible if you want to get the best price possible.

A less time-consuming method to lower your car insurance bill makes use of a single form to obtain quotes from a bunch of companies at once. It’s a real time-saver, reduces the work, and makes rate comparisons a little more enjoyable. After sending the form, your coverage is rated and you can select any one of the quotes returned.

If the quotes result in lower rates, you can simply submit the application and purchase coverage. The entire process can be completed in less than 10 minutes and may result in a nice savings.

In order to compare rates using this form now, click here and complete the simple form. If you have a policy now, it’s recommended that you enter coverages and limits exactly as they are listed on your policy. Using the same limits helps guarantee you are getting a price comparison based on similar coverages.

Why you might not save $494 a year

Auto insurance companies such as State Farm, Allstate and Geico endlessly run ads on TV and radio. They all tend to make the same promise that you’ll save big if you just switch your auto insurance policy to them. That’s great but how can every company make the same claim? It’s all in the words they use.

Many companies have specific criteria for the type of driver that will be a good risk. One example of a desirable risk could possibly be between the ages of 30 and 50, has other policies, and has great credit. A driver who meets those qualifications will probably get the lowest prices and will probably save a lot of money.

Potential insureds who fall short of the requirements will probably be forced to pay higher rates which usually ends up with the prospect going elsewhere. The wording the ads use say “people who switch” not “everybody who quotes” save that much when switching. This is how companies can make those statements.

This really drives home the point why you really should quote coverage with many companies. It’s just not possible to know which insurance companies will be your best fit.

Don’t overlook these car insurance discounts

Some insurance providers don’t always advertise every disount available very clearly, so here is a list some of the more common in addition to some of the lesser obvious credits available to lower your premiums when you buy car insurance online. If you’re not getting every credit possible, you could be saving more on your car insurance.

  • College Student Discount – Older children who are enrolled in a college that is more than 100 miles from home and do not take a car to college can receive lower rates.
  • Membership in Organizations – Belonging to qualifying employment or professional organizations may earn a discount when getting a car insurance quote.
  • Air Bags and Passive Restraints – Vehicles with factory air bags or motorized seat belts may earn rate discounts of 25 to 30%.
  • Discount for New Cars – Insuring a new car can cost up to 25% less because new model year vehicles keep occupants safer.
  • Mature Driver Discount – Seniors may receive a discount up to 10% on Rio coverage.
  • Sign Early and Save – A few insurance companies offer discounts for switching policies before your current policy expires. It could save around 10% when you buy car insurance online.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Low Mileage Discounts – Maintaining low annual mileage can qualify you for slightly better rates than normal.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Discounts for Federal Employees – Active or retired federal employment can save as much as 8% on Rio coverage with some car insurance companies.

A little note about advertised discounts, some credits don’t apply the the whole policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it appears having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Popular car insurance companies and their possible discounts can be found below.

  • State Farm has savings for Steer Clear safe driver discount, anti-theft, defensive driving training, good driver, driver’s education, Drive Safe & Save, and accident-free.
  • American Family may have discounts that include TimeAway discount, mySafetyValet, Steer into Savings, air bags, accident-free, and good driver.
  • AAA includes discounts for AAA membership discount, pay-in-full, multi-policy, good driver, and good student.
  • Geico has discounts for defensive driver, multi-vehicle, daytime running lights, anti-theft, emergency military deployment, multi-policy, and membership and employees.
  • Mercury Insurance discounts include type of vehicle, ease of repair, annual mileage, good student, location of vehicle, age of vehicle, and anti-theft.
  • Farmers Insurance offers discounts for switch companies, pay in full, mature driver, distant student, electronic funds transfer, business and professional, and bundle discounts.
  • Progressive may offer discounts for good student, multi-vehicle, online quote discount, online signing, and homeowner.

It’s a good idea to ask all the companies to give you their best rates. Savings may not apply to policyholders everywhere.

When to get professional advice

When it comes to buying adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions might help in determining whether or not you may require specific advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • Is pleasure use cheaper than using my 2008 Kia Rio to commute?
  • Do all my vehicles need collision coverage?
  • What happens if I owe more than my 2008 Kia Rio is worth?
  • Is my custom paint covered by insurance?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I need higher collision deductibles?
  • How much underlying liability do I need for an umbrella policy?
  • Why do I need rental car insurance?
  • Do I need special endorsements for business use of my vehicle?

If you’re not sure about 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, simply complete this short form or click here for a list of insurance coverage companies in your area.

Specifics of your insurance policy

Knowing the specifics of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.

Liability coverages – Liability coverage can cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of 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 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like emergency aid, medical expenses, court costs, loss of income and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Coverage for medical payments – Med pay and PIP coverage kick in for immediate expenses for things like dental work, X-ray expenses and funeral costs. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverages – Collision coverage pays for damage to your Rio resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like damaging your car on a curb, hitting a mailbox, colliding with another moving vehicle, rolling your car and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hail damage, damage from getting keyed, fire damage and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants 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 damage to your 2008 Kia Rio.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits are set the same as your liablity limits.

Knowledge is power

When shopping online for auto insurance, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where an insured dropped physical damage coverage only to regret at claim time that they should have had better coverage. Your goal should be to buy a smart amount of coverage for the lowest price.

Some auto insurance companies may not have the ability to get quotes online and usually these regional carriers sell through local independent agents. Lower-priced auto insurance is attainable online in addition to local insurance agencies, so compare prices from both to have the best selection.

Additional auto insurance information can be found at the links below

Comments About 2008 Kia Rio Insurance

  1. Jacklyn Shepard

    Will Allstate cancel me if I have an accident?

  2. Tonya Mcclure

    I think I’m paying too much. Got a quote with GMAC for my Rio and cut my rates about $100 a year. Was with Auto-Owners. Not sure if rates are cheaper online or through an agent.

  3. Hang Reed

    Located in San Antonio, TX. Compared quite a few companies. Saved roughly $70 a month. State Farm was the most affordable for me. I have a teen driver too. Did it all online.

  4. Rachael Wynn

    Cheaper car insurance is a myth. Live in Bridgeport, CT. Can’t remember who all I quoted but I ended up saving about $70 each month. Left USAA to switch. Good multi-policy discounts.

  5. Malena Sutton

    Not sure if this is cheap. I live in Nampa, ID. Received quotes from State Farm, The General, and Encompass for my Rio and saved just over $440 a year. I quoted rates online then called them.

  6. Karma Salas

    Cheap is not always the best policy. I’m from Boston, Massachusetts. Quoted quotes with GEICO, American Family, and Esurance for my Rio and I think I saved about $40 each month. Ask about discounts. Might find lower rates online.

  7. Kathaleen Flynn

    I live north of Rochester, Minnesota, and Allstate rates were best. Get lots of quotes to find the best rate.

  8. Noah Murray

    If you have a good history and are close to Paterson, New Jersey, check out Allstate. You might save some money. Was with Erie.

  9. Cletus Phillips

    I went with State Farm at renewal. Best rates in Saint Paul, Minnesota. Did it all online.

  10. Ashlee Key

    Located in Minneapolis, Minnesota. Got car insurance rates from AAA, Safeco, and some smaller one I can’t remember the name of for my 2008 Kia Rio and I’m now saving $45 a month. Have an at-fault accident tho.

  11. Brad Schroeder

    Nice info. Proud to be from Des Moines, IA. Not sure of all the companies but I ended up saving about $30 each month.

  12. Prince Moreno

    What exactly does liability cover?