Save on 2017 Kia Rio Insurance Rates

Want lower car insurance rates for your Kia Rio? Do you get confused by the wide range of car insurance sources in your area? people have such a large number of options that it can turn into a difficult challenge to find the best rates.

It’s a good idea to shop coverage around as often as possible because car insurance prices change quite often. Just because you found the best quotes on Rio coverage last year you can probably find a lower rate today. You can find a lot of wrong information about car insurance on the internet, but in a few minutes you can learn some proven techniques to stop overpaying for insurance.

If you currently have car insurance, you should be able to lower your premiums substantially using these methods. This article will instruct you on the best way to quote coverages. Although consumers do need to understand the way companies sell insurance online because it can help you find the best coverage.

Compare quotes for car insurance

To find the best car insurance rates, there are several ways to get quotes from different companies. The best method to compare rates involves getting comparison quotes online. This is very easy and can be done using a couple different methods.

  1. The fastest way to find low rates is to use a rate comparison form like this one (opens in new window). This quick form keeps you from doing boring form submissions to each individual car insurance company. Just one form will get you price quotes instantly. Recommended for those who want to invest the least amount of time.
  2. A different way to obtain and compare quotes online consists of visiting the website of each company and repeat the quote process. For examples sake, let’s assume you want to compare prices for USAA, Liberty Mutual and State Farm. In order to compare rates, you need to visit each site to enter your coverage information, which can take a lot of time.

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

Whichever way you use, make absolute certain that you use the exact same coverage data for each price quote. If you enter unequal deductibles or liability limits it will be very difficult to determine the best price for your Kia Rio. Just a small difference in limits may result in large price differences. And when quoting car insurance, remember that making a lot of price comparisons will improve the odds of getting lower pricing.

Save a ton by taking advantage of discounts

Some providers don’t necessarily list every policy discount very well, so below is a list some of the more common as well as some of the hidden savings tricks you should be using when you buy auto insurance online.

  • Claim Free – Drivers who don’t have accidents get the best auto insurance rates compared to policyholders that have many claims.
  • Save with a New Car – Insuring a vehicle that is new can save up to 30% because new model year vehicles are generally safer.
  • Anti-lock Brakes – Cars, trucks, and SUVs with ABS and/or traction control can reduce accidents and will save you 10% or more.
  • Good Grades Discount – Getting good grades may save you up to 25%. Most companies allow this discount well after school through age 25.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on Rio coverage with a few auto insurance companies.

While discounts sound great, it’s important to understand that many deductions do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, company stockholders wouldn’t be very happy. But all discounts should definitely cut the cost of coverage.

A few of the larger companies and their possible discounts can be read below.

  • Geico policyholders can earn discounts including five-year accident-free, emergency military deployment, defensive driver, seat belt use, multi-vehicle, and driver training.
  • Auto-Owners Insurance may offer discounts for group or association, company car, multi-policy, safe vehicle, and multiple vehicles.
  • American Family has discounts for bundled insurance, early bird, mySafetyValet, good student, TimeAway discount, and defensive driver.
  • Esurance discounts include multi-car, good student, multi-policy, emergency road assistance, anti-theft, and anti-lock brakes.
  • Progressive may include discounts for good student, multi-vehicle, multi-policy, online quote discount, homeowner, and continuous coverage.
  • State Farm offers discounts for anti-theft, Steer Clear safe driver discount, multiple autos, good driver, good student, and Drive Safe & Save.
  • AAA offers premium reductions for good student, good driver, education and occupation, multi-car, multi-policy, anti-theft, and pay-in-full.

Check with every company which discounts can lower your rates. Some of the earlier mentioned discounts might not be available to policyholders in your state.

How much auto insurance do I need?

When buying the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight if you may require specific advice.

  • Does insurance cover damages from a DUI accident?
  • What is the rate difference between pleasure use and commuting?
  • Does my 2017 Kia Rio need full coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I need roadside assistance coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need special endorsements for business use of my vehicle?
  • Do I need more liability coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How can I force my company to pay a claim?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form.

Insurance coverage basics

Having a good grasp of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

UM/UIM Coverage – This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical costs insurance – Med pay and PIP coverage kick in for bills for things like prosthetic devices, hospital visits, X-ray expenses and rehabilitation expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Auto liability – Liability coverage protects you from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as repair costs for stationary objects, loss of income, medical expenses, funeral expenses and medical services. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive or Other Than Collision – This pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from getting keyed, a tree branch falling on your vehicle and rock chips in glass. The most a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision – Collision coverage will pay to fix damage to your Rio from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like scraping a guard rail, crashing into a ditch, hitting a parking meter, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comments About 2017 Kia Rio Insurance

  1. Arianna Greene

    If you have a good history and are close to Owensboro, KY, check out Allstate. They seem to be cheaper. Was with Western Auto Insurance. Good savings if you bundle. Might find lower rates online.

  2. Bertha Dixon

    Will State Farm insure with a DUI in Warwick, RI?

  3. Dion Cash

    I’m in the south part of Bridgeport, Connecticut. Quoted quotes from The General, American Family, Nationwide, and a couple others for my 2017 Kia Rio and saved around $370 a year. Insured with State Farm before. Not sure about claim service.

  4. Stephanie Strong

    I live on the west side of Manchester, NH and for me State Farm had the lowest quote. I have kids on my policy, too. I got a quote from their website.

  5. Karin Mcintosh

    2017 Kia Rio + Allstate = CHEAP! At least inWest Virginia anyway.

  6. Doreen Parrish

    Enjoyed the article. I’m from Little Rock, Arkansas. Received quotes from GMAC, Auto-Owners, Nationwide, and a couple others for my 2017 Kia Rio and I think I saved about $50 each month. They have a lot of discounts available.

  7. Logan Underwood

    Great site. Got a quote with Hanover for my Kia and am saving around $250 a year. They have free quotes online.

  8. Clinton Beach

    Located in San Antonio, Texas. Compared rates from a lot of places. Saved about $60 a month. Progressive was the best choice for me. Moved home policy as well. I used their website to get prices.

  9. Lorna Townsend

    IMHO Great Falls, MT seems to have good rates from GEICO.

  10. Myung Paul

    Cheap car insurance? What’s that? I live south of Wilmington, Delaware. Compared rates from a lot of places. Saved darn near $40 a month. GEICO was the best choice for me. Online quotes are the way to go.

  11. Sheryll Frye

    Here’s my info. Live in the northern part of Lexington, KY. Got quotes from The General, Auto-Owners, Safeco, and a couple others for my 2017 Kia Rio and I’m now saving $52 a month. Insured with Eastwood before. Online quotes are the way to go.