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Kia Rio Insurance Cost

Finding cheaper auto insurance from online companies can be fast and easy and at the same time you may find lower rates. The most important part is to compare rates from as many companies as possible so you can get all possible prices.

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of online auto insurance companies and websites selling insurance. Finding a better price on auto insurance is actually quite simple. All you need to do is spend a few minutes to compare quotes provided by online insurance companies. It is quite easy and can be accomplished by completing this short form.

Which factors influence the rate you pay?

Insurance premiums for your Kia Rio will vary greatly depending on several factors. Taken into consideration are:

  • Crash test rating for your Rio
  • Deductibles directly impact insurance rates
  • Being married may save money
  • Mature drivers pay less
  • How many accidents you have had
  • Your profession
  • Maintaining coverage lowers rates
  • The replacement cost of your Rio

One important consideration which can affect your rates is the age of the vehicle. New vehicles have a higher actual cash value compared to older Kia models so the cost to replace them will push premiums up. But new Kia models have more advanced features including forward-collision avoidance, a collision avoidance system, dual-stage airbags, and all-wheel drive so those may give discounted rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability coverage

This coverage provides protection from damages or injuries you inflict on other's property or people that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as much as you can afford.

Collision coverage

This pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage

This protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.

How Much are Kia Rio Insurance Rates?

Popular U.S. Cities for Kia Rio Insurance

  • Jacksonville, FL
  • Kansas City, MO
  • San Jose, CA
  • Columbus, OH
  • Philadelphia, PA
  • Colorado Springs, CO
  • Los Angeles, CA
  • Fresno, CA
  • Sacramento, CA
  • Oklahoma City, OK
  • San Francisco, CA
  • Detroit, MI
  • Raleigh, NC
  • Wichita, KS
  • Seattle, WA