2016 Kia Rio Car Insurance Quotes – 8 Tricks for Cheapest Rates

Drivers have a choice when trying to find affordable Kia Rio insurance. You can either spend your time driving around to get rate comparisons or use the internet to get rate quotes.

There is a better way to find insurance coverage online and you need to know the absolute fastest way to compare rates for a Kia and find the lowest possible price from local insurance agents and online providers.

If you have insurance now or need a new policy, you can use these techniques to find the best rates while maintaining coverages. The purpose of this article is to let you in on how to get online quotes and some tricks to saving. Drivers just need to understand the most effective way to find the lowest price over the internet.

Discount car insurance rates

Companies don’t always list every discount in an easy-to-find place, so the following list contains both well-publicized in addition to some of the lesser obvious credits available to lower your premiums when you buy car insurance online.

• Early Signing – A few insurance companies allow discounts for switching to them prior to your current policy expiring. It could save around 10% when you buy car insurance online.
• Good Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% on Rio insurance than drivers with accidents.
• Discount for Life Insurance – Some car insurance companies give a lower rate if you buy auto and life insurance together.
• Multiple Policy Discount – If you have multiple policies and insure them with the same company you could get a discount of nearly 15% which can help you find inexpensive car insurance.
• Student Discounts – A discount for being a good student may save as much as 25% on a car insurance quote. Many companies even apply the discount to college students up until you turn 25.
• Military Rewards – Being on active duty in the military could qualify you for better car insurance rates.
• Discounts for New Vehicles – Buying car insurance coverage on a new vehicle can save up to 30% due to better safety requirements for newer models.
• Low Mileage Discounts – Fewer annual miles on your Kia can qualify you for cheaper car insurancerates.

Just know that most credits do not apply to the entire cost. Some only reduce specific coverage prices like comprehensive or collision. Even though it may seem like you can get free auto insurance, you’re out of luck. Any qualifying discounts will help lower your overall bill.

If you would like to choose from a list of companies with the best car insurance discounts, click here.

How to compare car insurance price quotes

Finding a lower price on 2016 Kia Rio insurance is a great way to save money. The only requirement is to invest a few minutes to compare rate quotes to find out which insurance company has inexpensive car insurance quotes. Insurance prices can be quoted by following the guidelines below.

If you are pressed for time, the simplest way consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This easy form saves time by eliminating boring form submissions for each company you want a rate for. One quote request gets insurance cost estimates from multiple low-cost companies. It’s the fastest way to compare.

A more difficult way to analyze rates requires visiting each company’s website to request a price quote. For example, let’s assume you want to compare Farmers, Geico and State Farm. In order to compare rates, you need to spend time going to each site individually to enter your coverage information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

Whichever way you choose to compare rates, be certain you are entering identical quote information on every price quote you get. If you use different coverage information it will be nearly impossible to determine the best price for your Kia Rio.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage, there really is not a cookie cutter policy. Each situation is unique.

Here are some questions about coverages that might help in determining if your situation will benefit from professional help.

• How can I get high-risk coverage after a DUI?
• I have a DUI can I still get coverage?
• Am I covered if I crash into my own garage door?
• Do I really need UM/UIM coverage?
• Are there companies who specialize in insuring high-risk drivers?
• Why am I be forced to buy a membership to get insurance from some companies?
• Do I need more liability coverage?
• Do I have coverage if my license is suspended?
• What vehicles should carry emergency assistance coverage?
• What is an SR-22 filing?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and may give you better protection.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t get away from all the ads that promise big savings from the likes of State Farm, Geico and Progressive. All the ads advertise the message about saving some big amount if you get a free car insurance quote and switch to them.

That’s great but how can every company charge you a lower premium? It’s all in the wording.

Many companies have underwriting criteria for a prospective insured they prefer to insure. For instance, a profitable insured may need to be married and over the age of 30, owns a home, and has great credit. A customer getting a price quote that hits that “sweet spot” will get low car insurance rates and as a result will probably save a lot of money.

Drivers who fall outside the ideal profile may be forced to pay a higher rate which usually ends up with the prospect going elsewhere. If you listen to the ad wording, they say “drivers that switch” but not “all drivers who get quotes” can save as much as they claim. That’s why insurance companies can advertise the savings.

This illustrates why drivers should do a rate comparison at every renewal. It’s not possible to predict the company that will have better car insurance rates than you’re paying now.

Coverages available on your policy

Having a good grasp of car insurance aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverages

Liability insurance protects you from injuries or damage you cause to a person or their property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things like bail bonds, structural damage, attorney fees, legal defense fees and emergency aid. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Auto collision coverage

Collision insurance pays for damage to your Rio resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, backing into a parked car, damaging your car on a curb and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive car insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hail damage, hitting a bird, falling objects, vandalism and damage from flooding. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for chiropractic care, dental work, EMT expenses, funeral costs and prosthetic devices. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Quote often and quote early

You just learned a lot of ways to shop for 2016 Kia Rio insurance online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a smaller regional carrier.

Discount 2016 Kia Rio insurance is available online as well as from insurance agents, and you should be comparing both to have the best rate selection. There are still a few companies who do not offer online quoting and usually these regional insurance providers prefer to sell through independent agents.

Consumers who switch companies do it for any number of reasons including policy non-renewal, an unsatisfactory settlement offer, being labeled a high risk driver and even extreme rates for teen drivers. Whatever your reason, finding the right insurance provider is not as hard as you think.

Other learning opportunities

• Avoiding Deer Collisions (Insurance Information Insitute)
• Auto Crash Statistics (Insurance Information Insitute)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Safety Belts FAQ (iihs.org)