2018 Kia Rio Car Insurance Cost

Having to pay for high-priced insurance coverage can consume your budget and put the squeeze on your family’s finances. Shopping your coverage around is an excellent way to tighten up your finances.

Multiple insurance companies compete to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the cheapest price

You should make it a habit to do rate comparisons before your policy renews because insurance prices go up and down regularly. Even if you think you had the best rates for Rio coverage a few years ago a different company probably has better premium rates today. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to the easiest way to find great coverage at a great price.

The method we recommend to compare insurance rates from multiple companies is to know the fact most of the bigger providers participate in a system to compare rate quotes. The one thing you need to do is give them some information such as how your vehicles are used, if you are currently licensed, your job, and if it has an alarm system. Your insurance information is sent automatically to multiple auto insurance providers and they provide comparison quotes instantly to find the best rate.

Are insurance coverage companies telling the truth?

Drivers can’t avoid all the ads for cheaper insurance coverage from the likes of State Farm, Geico and Progressive. They all state the claim about saving some big amount after switching your coverage to them.

How does every insurance coverage company say the same thing? Just pay attention to how they say it.

All companies have strict underwriting profiles for the type of insured that will most likely be profitable. One example of this type of driver might have to be between the ages of 30 and 50, owns their home, and drives less than 10,000 miles a year. Any driver that hits that “sweet spot” will qualify for the lowest prices and most likely will save some money.

Consumers who cannot meet these stringent criteria must pay higher premiums and this can result in the customer not buying. If you pay attention, the ads say “drivers that switch” but not “everyone who gets a quote” save that kind of money. That’s the way companies can truthfully claim big savings. Each company has different criteria, so you really should get car insurance quotes as often as possible. You cannot predict which insurance companies will be your best fit.

What determines Kia Rio insurance prices?

The best way to find cheaper insurance is to take a look at the factors that are used to determine your insurance rates. When you know what positively or negatively determines base rates, this helps enable you to make changes that can help you get big savings.

• Drive lots and pay more – The more miles you rack up on your Kia each year the higher the price you pay to insure it. A lot of companies calculate rates partially by how you use the vehicle. Cars and trucks left parked in the garage qualify for better rates than vehicles that have high annual mileage. A policy that improperly rates your Rio may be wasting your money. It’s always a good idea to double check that your insurance coverage correctly shows the correct usage for each vehicle.
• Maintain insurance coverage – Not maintaining insurance is against the law and any future policy may cost more because you let your coverage cancel without a new policy in place. And not only will insurance be more expensive, being ticketed for driving with no insurance could result in a fine, jail time, or a revoked license.
• Gender matters – Over time, data shows women tend to be less risk to insure than men. That doesn’t necessarily mean that females are better drivers. Both genders cause at-fault accidents at a similar rate, but guys have accidents that have higher claims. Not only are claims higher, but men have more aggressive citations like DWI (DUI) or reckless driving. Young males cause the most accidents and thus pay the highest rates.
• Is you occupation costing you more? – Did you know that where you work can have an impact on rates? Jobs such as doctors, business owners and dentists usually pay higher premium rates attributed to high stress levels and long work hours. On the flip side, careers like professors, students and the unemployed pay the least for Rio coverage.
• Less chance of injury means lower premiums – Safe vehicles are cheaper to insure. The safest vehicles result in less severe injuries and lower rates of occupant injuries means less claims paid and lower rates for you. If the Kia Rio earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
• Don’t get traffic citations – How you drive has a huge affect on how much you pay. Drivers with clean records have lower premiums as compared to careless drivers. Just one speeding ticket or other violation could increase your next policy renewal by twenty percent. Drivers who have received careless violations like DUI or reckless driving might be required by their state to complete a SR-22 with their state’s licensing department in order to prevent a license revocation.
• Adjust physical damage deductibles and save – The deductibles define how much you are required to pay if the claim is covered. Physical damage protection, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Examples of covered claims are rearending another vehicle, vandalism, and damage caused by road hazards. The larger the amount you choose to pay out-of-pocket, the less your insurance will be for Rio coverage.
• Policy add-ons may be wasting money – Insurance policies have a lot of additional extra coverages that may not really be needed when buying insurance. Insurance for things like vanishing deductibles, accidental death, and extra life insurance coverage are examples of these. They may seem like a good idea initially, but if you’ve never needed them in the past think about removing them and cutting costs.

Cheaper rates with discounts

Some companies do not list the complete list of policy discounts very well, so below is a list both well-publicized in addition to some of the lesser obvious credits available to lower your premiums when you buy car insurance online.

• E-sign – Many insurance companies will discount your bill up to fifty bucks for buying your policy on the web.
• Waiver for an Accident – Not really a discount, but companies like State Farm and Progressive will forgive one accident before they charge you more for coverage if your claims history is clear prior to being involved in the accident.
• Discounts for Cautious Drivers – Insureds without accidents can save as much as half off their rates for Rio coverage than their less cautious counterparts.
• Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Rio coverage with some auto insurance companies.
• Military Rewards – Having an actively deployed family member could trigger a small discount.
• No Accidents – Insureds who avoid accidents and claims pay less when compared to frequent claim filers.

Just know that most discount credits are not given to the entire policy premium. A few only apply to individual premiums such as medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way.

Companies and their possible discounts are:

• Geico has discounts for good student, five-year accident-free, anti-theft, driver training, anti-lock brakes, and emergency military deployment.
• MetLife may offer discounts for claim-free, defensive driver, good driver, accident-free, multi-policy, and good student.
• Progressive may include discounts for good student, online signing, continuous coverage, online quote discount, homeowner, and multi-policy.
• Travelers may have discounts that include good student, multi-car, home ownership, student away at school, save driver, and IntelliDrive.
• SAFECO offers discounts for drive less, accident prevention training, homeowner, multi-car, safe driver, anti-theft, and teen safe driver.
• AAA discounts include multi-policy, anti-theft, multi-car, good driver, good student, AAA membership discount, and pay-in-full.

Before you buy a policy, ask every prospective company how many discounts you can get. A few discounts might not be offered on policies in every state. If you would like to view insurance companies that offer discounts, follow this link.

What is the best car insurance coverage?

When choosing coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. For example, these questions can aid in determining if you might need professional guidance.

• Does my car insurance cover rental cars?
• Is upholstery damage covered by car insurance?
• Am I insured when driving a different vehicle?
• Why does it cost so much to insure a teen driver?
• If my pet gets injured in an accident are they covered?
• Is my cargo covered for damage or theft?
• Is my business laptop covered if it gets stolen from my vehicle?
• Will filing a claim cost me more?
• I have good health insurance, so how much medical payments coverage do I need?
• When should I remove comp and collision on my 2018 Kia Rio?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Auto insurance coverage considerations

Knowing the specifics of your policy can help you determine appropriate coverage and the correct deductibles and limits. Auto insurance terms can be confusing and coverage can change by endorsement. Listed below are typical coverage types found on the average auto insurance policy.

Liability

Liability coverage protects you from injuries or damage you cause to a person or their property. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like court costs, repair bills for other people’s vehicles, attorney fees and funeral expenses. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Coverage for collisions

This covers damage to your Rio resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a parking meter, colliding with another moving vehicle, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive protection

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like theft, a tree branch falling on your vehicle and a broken windshield. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your Kia Rio.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for expenses for pain medications, EMT expenses, surgery, ambulance fees and chiropractic care. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Never pay more for less

Some insurance companies may not have internet price quotes and most of the time these small, regional companies provide coverage only through local independent agents. Affordable 2018 Kia Rio insurance is available from both online companies as well as from insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.

As you prepare to switch companies, don’t be tempted to sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice full coverage only to find out they didn’t have enough coverage. Your aim should be to purchase plenty of coverage at the best cost.

We’ve covered a lot of techniques to reduce 2018 Kia Rio insurance car insurance rates online. The most important thing to understand is the more price quotes you have, the higher your chance of finding inexpensive car insurance. Consumers may even find the best price on insurance is with a company that doesn’t do a lot of advertising. These smaller insurers often have lower premium rates on specific markets compared to the large companies like Allstate, Geico and Progressive.

Additional information is available at these links:

• Keeping Children Safe in Crashes Video (iihs.org)
• Bodily Injury Coverage (Liberty Mutual)
• Comprehensive Coverage (Liberty Mutual)
• Credit and Insurance Scores (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)