2010 Kia Rio Car Insurance Cost

Drivers new to price shopping auto insurance online could find sourcing affordable insurance coverage is harder than they anticipated.

It’s a good idea to compare rates quite often since prices change quite often. Even if you think you had the lowest rate on Rio insurance on your last policy you can probably find a lower rate today. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the fastest way to reduce your cost while improving coverage.

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these techniques. Shopping for the cheapest car insurance is quite easy. Although car owners need to learn the way companies price online insurance and take advantage of how the system works.

How to get free insurance quotes online

When looking for low cost insurance coverage quotes, there are a couple ways to compare rate quotes from companies that offer insurance in your state. The best way to comparison shop is simply to get online rate quotes. This can be done in a couple minutes as outlined below.

Probably the best way to find low rates is to use a rate comparison form (click to open form in new window). This form eliminates the need for repetitive form submissions to each individual insurance company. Just one form compares rates from many national carriers. This is perfect if you don’t have a lot of time.

A more difficult way to compare rate quotes requires visiting the website for each individual company and repeat the quote process. For example, we’ll pretend you want to compare prices for Liberty Mutual, Progressive and Geico. To get each rate you have to go to every website and type in your information over and over, which is why the first method is quicker.

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

How you compare quotes is your choice, just be certain you are entering nearly identical coverage data for each quote you get. If you have different coverage information it’s not possible to determine the best price for your Kia Rio. Quoting even small variations in insurance coverages or limits could skew the results. Just remember that comparing a wide range of rates gives you a better chance of getting a better price. Not every company allows you to get price estimates online, so it’s necessary to compare price quotes on coverage from those companies, too.

Do insurance companies bend the truth?

Insurance providers like Progressive, Allstate and Geico constantly bombard you with ads on TV and radio. They all seem to convey the message that drivers will save a bundle just by moving your insurance policy to them. How is it plausible that every one can give you a lower rate? It’s all in the words they use.

All the different companies have a certain “appetite” for the type of customer that makes them money. An example of a profitable customer should be over the age of 40, is a homeowner, and the vehicle is rated for pleasure use. Anybody who meets those qualifications gets the lowest premium rates and as a result will probably save if they switch.

Potential customers who fall short of the ideal profile will see more expensive rates which results in business not being written. The ads state “drivers that switch” but not “all drivers who get quotes” save that much when switching. That is how companies can make it sound like they have such great prices. This illustrates why you really need to quote coverage with many companies. It’s just too difficult to predict which insurance companies will provide you with the cheapest premium rates.

Get cheaper insurance coverage with discounts

Companies offering auto insurance do not advertise the entire discount list very well, so the list below gives a summary of both well-publicized in addition to some of the lesser obvious credits available to you.

• Clubs and Organizations – Affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates on insurance coverage.
• Safe Driver Discount – Safe drivers could pay up to 40% less on Rio insurance than drivers with accidents.
• Federal Employees – Having worked for a branch of the government could qualify for a slight premium decrease on Rio insurance with certain companies.
• No Claims – Claim-free drivers are rewarded with significantly better rates on insurance coverage quote as compared to drivers with a long claim history.
• Low Miles Discount – Low annual miles may enable drivers to earn substantially lower prices.

Don’t be shocked that some credits don’t apply the the whole policy. Most only apply to individual premiums such as physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, insurance coverage companies aren’t that generous.

A few companies that have these discounts include:

• Geico
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

If you need cheaper insurance coverage quotes, ask every insurance company which discounts they offer. All car insurance discounts may not apply to policies in your state. If you would like to view insurance companies who offer online insurance coverage quotes, click here.

Tailor your car insurance coverage to you

When choosing proper insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if your situation would benefit from professional advice.

• Should I buy only the required minimum liability coverage?
• Am I covered by my spouse’s policy after a separation?
• Will I lose any money if I cancel my policy before it expires?
• Is my custom paint covered by insurance?
• What exactly is covered by my policy?
• Can I rent a car in Mexico?
• How high should my uninsured/underinsured coverage be in my state?
• Does my policy pay for OEM or aftermarket parts?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Specifics of your auto insurance policy

Knowing the specifics of a auto insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like rolling your car, crashing into a building, sustaining damage from a pot hole, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Liability coverages

This coverage will cover damages or injuries you inflict on people or other property by causing an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as legal defense fees, court costs and medical expenses. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like vandalism, hitting a bird, damage from getting keyed, a tree branch falling on your vehicle and falling objects. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Kia Rio.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for funeral costs, nursing services and surgery. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

One last thing

We covered a lot of techniques to reduce 2010 Kia Rio insurance rates online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding cheaper insurance coverage. You may be surprised to find that the lowest rates come from the least-expected company.

Insureds leave their current company for a number of reasons such as not issuing a premium refund, poor customer service, an unsatisfactory settlement offer or being labeled a high risk driver. No matter why you want to switch, finding a new company is easier than you think.

When trying to cut insurance costs, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where someone sacrificed uninsured motorist or liability limits only to find out that it was a big error on their part. The proper strategy is to get the best coverage possible at an affordable rate, but do not sacrifice coverage to save money.

More detailed auto insurance information is available in the articles below:

• Child Safety Seats (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)
• Get the Right Protection (InsureUonline.org)
• Red Light Cameras (State Farm)