2013 Kia Rio Car Insurance Quotes – 9 Tricks for Best Rates

Having to pay for pricey insurance coverage can empty your personal savings, especially in this economy. Comparing cost estimates is free, only takes a few minutes, and is a good way to tighten up your finances.

Numerous auto insurance companies battle for your insurance dollar, so it’s not easy to compare every insurance company to get the lowest price

Low cost car insurance

To find cheap rates, there are a couple of ways of comparing rate quotes from many car insurance companies in your state. One of the best ways to find cheaper Kia Rio rates consists of obtaining rate quotes online. This can be done in a couple minutes as outlined below.

• One of the fastest ways to get quotes is a comparison rater form click here to open form in new window. This quick form saves time by eliminating repetitive form submissions for every car insurance company. One simple form gets coverage cost estimates from car insurance companies with the best prices.
• Another way to find more affordable insurance consists of going to the website of each company to complete their respective quote request forms. For examples sake, we’ll assume you want to view quotes from Nationwide, 21st Century and Farmers. To get each rate you have to visit each site and enter your policy data, and that’s why the first method is more popular.

  For a handy list of car insurance company links in your area, click here.

You can use whichever method you prefer to find lower rates, just make darn sure you compare identical coverage limits and deductibles for each price quote. If the quotes have differing limits it will be nearly impossible to decipher which rate is best. Even a minor difference in insurance coverages could mean much higher rates. And when comparison shopping, more quotes increases the change that you will find better pricing.

Do you qualify for these nine discounts?

Insurance can be prohibitively expensive, but there could be significant discounts that many consumers don’t even know exist. Certain reductions will be credited when you get a quote, but less common discounts must be inquired about before they will apply.

• Anti-lock Brake Discount – Cars and trucks with ABS and/or traction control have fewer accidents so companies give up to a 10% discount.
• Defensive Driving Course – Taking a course that instructs on driving safety could earn you a small percentage discount if you qualify.
• Theft Deterent – Vehicles with anti-theft systems prevent vehicle theft and that can save you a little bit as well.
• Switch and Save Discount – Select insurance companies give a discount for switching to them prior to your current policy expiring. It can save you around 10%.
• Life Insurance Discount – Insurance carriers who offer life insurance give a small discount if you purchase life insurance from them.
• Accident-Free Discounts – Claim-free drivers can save substantially as compared to drivers who are more careless.
• E-sign – Some car insurance companies provide a small discount shop auto insurance on the internet.
• Accident Forgiveness Coverage – Not really a discount, but certain companies will allow you to have one accident before your rates go up with the catch being you have to be claim-free before the accident.
• Fewer Miles Equal More Savings – Maintaining low annual mileage could earn discounted premium rates on garaged vehicles.

A little disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, nobody gets a free ride.

Popular car insurance companies and some of the premium reductions they offer are:

• The Hartford discounts include air bag, vehicle fuel type, defensive driver, driver training, and bundle.
• American Family offers premium reductions for good student, accident-free, bundled insurance, defensive driver, TimeAway discount, and mySafetyValet.
• Progressive may offer discounts for continuous coverage, multi-vehicle, multi-policy, good student, online quote discount, and homeowner.
• Travelers has savings for home ownership, student away at school, multi-policy, good student, and driver training.
• Farmers Insurance may have discounts that include distant student, switch companies, alternative fuel, homeowner, business and professional, youthful driver, and electronic funds transfer.
• USAA has discounts for family discount, driver training, defensive driver, safe driver, multi-vehicle, vehicle storage, and annual mileage.
• Liberty Mutual offers discounts for new graduate, multi-policy, exclusive group savings, newly married, safety features, and multi-car.

If you are trying to find inexpensive auto insurance quotes, ask every company how you can save money. Depending on the company, some discounts might not be offered on policies in your state.

Don’t assume everyone needs the same auto insurance coverage

When buying proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether your personal situation would benefit from professional advice.

• How many claims can I have before being cancelled?
• What is roadside assistance coverage?
• Do I need motorclub coverage?
• Are split liability limits better than a combined single limit?
• Do I need rental car coverage?
• How high should my medical payments coverage be?
• When should I drop full coverage on my 2013 Kia Rio?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Do drivers who switch really save?

Insurance companies such as Progressive, Allstate and Geico seem to constantly run ads in print and on television. All the ads state the claim that drivers can save some big amount if you get a free auto insurance quote and switch to them. How does each company charge you a lower premium? Just pay attention to how they say it.

Insurance providers quote the lowest rates for the type of insured that will generate a profit. For example, a profitable customer should be over age 30, has no tickets, and does not commute to work. Someone who fits those characteristics receives the best premium rates and as a result will probably save a lot if they switch.

People who do not fit those criteria may be required to pay higher prices which results in the customer not purchasing. The ads state “drivers that switch” not “all people who quote” can get the lowest rates when switching. This is how companies can make it sound like they have such great rates. This really illustrates why it’s extremely important to quote coverage with many companies. Because you cannot predict the company that will have the best prices at this point in time.

Auto insurance coverage information

Learning about specific coverages of auto insurance aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are the usual coverages available from auto insurance companies.

Liability coverages

Liability coverage provides protection from injuries or damage you cause to a person or their property that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for things like court costs, attorney fees and structural damage. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for nursing services, chiropractic care, pain medications and dental work. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

This pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like backing into a parked car, colliding with another moving vehicle, crashing into a ditch, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive (Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, a tree branch falling on your vehicle, hail damage, vandalism and hitting a bird. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Make an honest buck

When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where an insured dropped collision coverage only to regret at claim time that the few dollars in savings costed them thousands. The goal is to buy enough coverage at the best cost but still have enough coverage for asset protection.

We covered a lot of information how to save on 2013 Kia Rio insurance. It’s most important to understand that the more you quote auto insurance, the better your comparison will be. You may be surprised to find that the lowest rates are with a company that doesn’t do a lot of advertising. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm and Allstate.

Helpful articles

• Teen Driver Statistics (Insurance Information Insitute)
• Teen Driving Statistics (Geico)
• All About Airbag Safety (State Farm)
• Shopping for a Safe Car (Insurance Information Insitute)