Save on 2014 Kia Rio Insurance Rates

Feel like you have overpriced auto insurance? Don’t sweat it because you’re not the only one. Drivers have so many car insurance companies to choose from, and although it’s a good thing to have multiple companies, so many choices can make it hard to adequately compare rates.

It is always a good idea to compare premium rates quite often because auto insurance prices are adjusted regularly by insurance companies. Just because you found the best price on Rio coverage a few years ago you can probably find a lower rate today. You’ll find a ton of advice on auto insurance on the internet, but by reading this article, you’re going to learn some of the best techniques to stop overpaying for insurance.

Finding the best rates is not rocket science. If you have insurance now or are looking for a new policy, you can use these tips to find better prices while maintaining coverages. Vehicle owners just need to learn the tricks to get comparison quotes on the web.

How to shop insurance coverage online

Most major insurance companies allow you to get price estimates on their websites. Doing online price comparisons is fairly simple as all you need to do is type in your personal and coverage information into the quote form. After you submit the form their quoting system collects reports for credit and driving violations and provides a quote. Online price quotes simplifies rate comparisons, but the time it takes to visit a lot of sites and type in the same information can be a bit repetitive. But it is imperative to compare as many rates as possible in order to get a lower rate.

There is a better way!

The easiest way to find cheaper rates requires only one form that analyzes rates from multiple companies. It saves time, reduces the work, and makes quoting online a little more enjoyable. Immediately after you send the form, your coverage is rated with multiple companies and you can pick your choice of the resulting price quotes. If the quotes result in lower rates, you simply finish the application and buy the new coverage. The whole process takes just a few minutes to complete and can result in significant savings.

If you want to compare pricing, click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you enter your coverages just like they are on your policy. This helps ensure you’re receiving a rate comparison for exact coverage.

Do you qualify for discount insurance coverage?

Companies that sell car insurance don’t always advertise the complete list of policy discounts in an easy-to-find place, so we took the time to find both well-publicized and also the lesser-known credits that you can use to lower your rates.

  • Passive Restraints and Air Bags – Options like air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Memberships – Affiliation with certain professional organizations can get you a small discount on your next insurance coverage statement.
  • Driver Education Discount – Teen drivers should take driver’s ed class if it’s offered in school.
  • Discounts for Federal Employees – Employees or retirees of the government may qualify for a discount when you quote insurance on Rio coverage with some insurance coverage companies.
  • Accident-Free Discounts – Drivers who don’t have accidents get the best insurance coverage rates compared to drivers who are more careless.
  • Telematics Devices – Policyholders that allow their insurance coverage company to spy on vehicle usage by using a small device installed in their vehicle like Allstate’s Drivewise might get better premium rates as long as they are good drivers.
  • Good Student Discount – Performing well in school can earn a discount of 20% or more. The discount lasts up to age 25.

A little disclaimer on discounts, most discounts do not apply to the entire cost. Some only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

To view providers with discount rates, click here.

How do insurers determine Kia Rio insurance costs?

The best way to find cheaper car insurance is to take a look at some of the things that help determine your policy premiums. If you have a feel for what controls the rates you pay, this allows you to make educated decisions that can earn you lower car insurance prices.

  • Cheaper rates after marriage – Having a significant other can get you a discount on your car insurance policy. Marriage means you’re more mature and it’s statistically proven that married couples file fewer claims.
  • Extra policy coverages can cost a lot – Policies have extra add-on coverages that you can buy if you aren’t diligent. Insurance for replacement cost coverage, accidental death, and additional equipment coverage are examples of these. These may sound like a good investment at first, but your needs may have changed so get rid of them and save.
  • Credit rating impacts rates – Your credit score can be an important factor in determining your rates. Insureds with very high credit ratings tend to file fewer claims and have better driving records than drivers who have worse credit. If your credit rating is not that good, you could potentially save money when insuring your 2014 Kia Rio by spending a little time repairing your credit.
  • Your liability limits – Your policy’s liability coverage provides coverage if you are found liable for personal injury or accident damage. Liability insurance provides for a legal defense which can cost thousands of dollars. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so do not skimp.

What insurance coverages do I need?

When choosing the best insurance coverage coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. For example, these questions may help you determine whether you would benefit from professional advice.

  • Should I buy more coverage than the required minimum liability coverage?
  • Am I covered when using my vehicle for business?
  • Am I covered when delivering products for my home-based business?
  • What is PIP insurance?
  • Which is better, split liability limits or combined limits?
  • Am I covered if I break a side mirror?
  • How do I buy GAP insurance?
  • Can I drive in Mexico and have coverage?
  • What if I don’t agree with a claim settlement offer?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Coverages available on your policy

Having a good grasp of insurance aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverages found on the average insurance policy.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2014 Kia Rio.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Auto collision coverage

Collision insurance pays for damage to your Rio resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like sustaining damage from a pot hole, colliding with a tree and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for expenses such as ambulance fees, pain medications, doctor visits and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Auto liability insurance

Liability coverage protects you from damage that occurs to people or other property by causing an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as pain and suffering, repair costs for stationary objects, medical services and attorney fees. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Comprehensive coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, hitting a deer and fire damage. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Knowledge is power

Cheap 2014 Kia Rio insurance is possible online and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some companies don’t offer rates over the internet and many times these regional carriers only sell through independent agencies.

In this article, we presented many ways to get a better price on 2014 Kia Rio insurance. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. You may even find the best price on insurance coverage is with the least-expected company. Some small companies may often insure only within specific states and give getter rates compared to the large companies like Progressive and GEICO.

When searching for affordable insurance quotes, make sure you don’t sacrifice coverage to reduce premiums. In many cases, someone dropped collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to purchase plenty of coverage at the lowest possible cost while not skimping on critical coverages.

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