Cheap 2009 Kia Rio Car Insurance Rates

Trying to find lower car insurance rates for your Kia Rio? Searching for low-cost insurance for a Kia Rio can be an all-consuming task, but you can use our car insurance buying tips and make it easy. There is a better way to find car insurance online so we’re going to tell you the best way to compare rates for your Kia and obtain the cheapest rates from local insurance agents and online providers.

You should make it a habit to get comparison quotes quite often because insurance prices fluctuate regularly. Just because you found the lowest rates for Rio coverage two years ago you can probably find a better premium rate now. Forget all the misinformation about car insurance because we’re going to show you the fastest and easiest way to remove unneeded coverages and save money.

If you have a current insurance policy or are just looking to switch companies, you can use these techniques to cut your premiums and still get good coverage. Finding affordable insurance coverage is simple if you know the tricks. Drivers just need to learn the proper way to get comparison rates online.

Pay discount rates these discounts

Companies do not list the entire discount list in an easy-to-find place, so here is a list both the well known as well as the least known credits available to lower your premiums when you buy insurance coverage online.

• Fewer Miles Equal More Savings – Maintaining low annual mileage may allow you to get lower car insurancerates on the low mileage vehicles.
• Distant Student – Older children living away from home attending college and do not take a car to college can receive lower rates.
• Bundled Policy Discount – When you combine your home and auto insurance with the same company you could earn a discount of at least 10 to 15 percent or more.
• Federal Government Employee – Active or former government employment could qualify for a slight premium decrease for Rio coverage but check with your company.
• Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle their seat belts may be able to save a few bucks off PIP or medical payments premium.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Most only reduce individual premiums such as comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, nobody gets a free ride.

A list of companies and a selection of discounts are detailed below.

• Progressive may offer discounts for good student, online quote discount, multi-policy, online signing, multi-vehicle, continuous coverage, and homeowner.
• AAA has savings for pay-in-full, multi-car, multi-policy, good driver, and AAA membership discount.
• Farmers Insurance offers premium reductions for homeowner, bundle discounts, good student, distant student, teen driver, electronic funds transfer, and youthful driver.
• Geico may include discounts for military active duty, multi-policy, good student, defensive driver, and five-year accident-free.
• Esurance has discounts for safety device, DriveSense, paid-in-full, Pac-12 alumni, anti-lock brakes, and defensive driver.
• SAFECO includes discounts for teen safe driver, bundle discounts, multi-car, accident prevention training, anti-lock brakes, homeowner, and drive less.
• State Farm offers discounts including accident-free, good driver, Steer Clear safe driver discount, driver’s education, defensive driving training, anti-theft, and Drive Safe & Save.

Before you buy a policy, ask every company how many discounts you can get. Discounts might not be available to policyholders in your area.

How to lower your insurance costs

Lots of factors are considered when pricing auto insurance. Most are fairly basic like an MVR report, but some are not quite as obvious such as whether you are married or how safe your car is.

Listed below are some of the most common factors used by companies to determine your rates.

• Never let your auto insurance expire – Letting your insurance expire will be a quick way to increase your rates. Not only will rates go up, getting caught without coverage could result in fines and jail time.
• Liability is critical – Your policy’s liability coverage is the protection when you are found to be at fault for an accident. It will provide for a legal defense which can be incredibly expensive. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
• Rural vs Urban Areas – Being located in smaller towns and rural areas of the country has it’s advantages when trying to find low car insurance rates. Urban drivers tend to have more road rage incidents and more severe claims. Less people living in that area corresponds to lower accident rates and lower theft and vandalism rates.
• Does your vocation raise your prices? – Careers like doctorspolice officers and medical professionals usually pay higher rates than the rest of us due to high stress levels and lots of time spent away from family. Other jobs like actors, historians and homemakers generally pay rates lower than average for Rio coverage.
• Safety ratings are a factor – Vehicles with high crash test scores tend to have better insurance rates. Vehicles engineered for safety reduce occupant injuries and lower injury rates means your insurance company pays less passed on to you as lower rates. If your Kia Rio has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
• Bad driving means higher premiums – Attentive drivers pay less for auto insurance than bad drivers. Having just one ticket could increase your next policy renewal by twenty percent. Drivers who get multiple violations like DWI, reckless driving or hit and run convictions might be required by their state to submit a SR-22 form with their state motor vehicle department in order to legally drive a vehicle.
• Raise your comp and collision deductibles for better costs – Deductibles for physical damage represent how much money you are willing to pay in the event of a claim. Insurance for physical damage to your car, also called ‘full coverage’, insures against damage to your car. Examples of some claims that would be covered are colliding with a stationary object, animal collisions, and damage caused by road hazards. The more of the claim you choose to pay out-of-pocket, the lower your rates will be for Rio coverage.
• Cut premiums and deter theft – Purchasing a vehicle with a theft deterrent system can earn a premium discount. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft and help lower rates.

Special considerations

When it comes to choosing the best insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different.

For instance, these questions may help highlight if you may require specific advice.

• Am I covered if I hit a deer?
• Does having multiple vehicles earn me a discount?
• I have good health insurance, so how much medical payments coverage do I need?
• Am I covered when using my vehicle for business?
• When should my teen driver be added to my policy?
• Do I have coverage when making deliveries for my home business?
• Is business equipment covered while in my vehicle?
• Am I covered when renting a car or should I buy coverage from the car rental agency?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Educate yourself about car insurance coverages

Understanding the coverages of a car insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverage

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, hitting a bird, falling objects and hitting a deer. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverage

This coverage will pay to fix damage to your Rio resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like driving through your garage door, hitting a parking meter, rolling your car and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible to bring the cost down.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like doctor visits, chiropractic care, surgery and funeral costs. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Liability coverage

Liability coverage can cover damage that occurs to a person or their property in an accident. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for things like medical services, legal defense fees, pain and suffering and structural damage. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Shop Smart and Save

Drivers switch companies for a number of reasons such as policy non-renewal, policy cancellation, questionable increases in premium and even delays in responding to claim requests. Regardless of your reason, finding a new auto insurance company can be less work than you think.

When getting insurance coverage quotes online, never reduce coverage to reduce premium. In many cases, an insured cut uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find at the best cost and still be able to protect your assets.

We’ve covered a lot of techniques to lower your 2009 Kia Rio insurance car insurance rates. The most important thing to understand is the more companies you get premium rates for, the better your comparison will be. You may even discover the biggest savings come from a small local company.

Much more information about auto insurance can be found at the links below

• Senior Drivers (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Insuring a Leased Car (Insurance Information Insitute)
• Older Driver Statistics (Insurance Information Insitute)