View 2014 Kia Rio Insurance Quotes

Locating low-cost insurance for a Kia Rio can be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to buy auto insurance so you’re going to learn the quickest way to compare rates for a new or used Kia and get the cheapest rates.

Consumers need to do rate comparisons once or twice a year since prices are adjusted regularly by insurance companies. Even if you got the best rate for Rio insurance a couple years back you will most likely find a better premium rate today. You can find a lot of wrong information about auto insurance on the web, but by reading this article, you’re going to learn some good information on how to slash your auto insurance rates.

If you are insured now or are just looking to switch companies, you can use these techniques to find better prices while maximizing coverage. Locating the best protection is easy if you know what you’re doing. Vehicle owners only need to know the tricks to find the lowest price online.

Quote car insurance online

Reducing your 2014 Kia Rio insurance rates can be relatively painless. You just need to invest a few minutes to compare rate quotes online with multiple companies. Rate comparisons can be done by using one of the methods below.

  1. The first (and easiest) way to get quotes is to use a rate comparison form (click to open form in new window). This style of form saves time by eliminating separate quote forms for each company. A single, simple form will get you price quotes from multiple companies. Just one form and you’re done.
  2. A less efficient way to find more affordable insurance requires a visit to each company’s website and repeat the quote process. For instance, let’s assume you want to compare prices for USAA, Safeco and Progressive. To find out each rate you need to go to every website and repeatedly enter your information, and that explains why we recommend the first method. For a list of companies in your area, click here.
  3. The least efficient and most time consuming method to quote and compare insurance rates is calling or driving to and from local insurance agencies. The ability to get quotes online has made agencies unnecessary unless you require the professional abilities of an agent trained in personal lines coverage. If you prefer, some companies allow you to obtain prices from the web but have your policy serviced through an agent.

The method you choose is up to you, but compare apples-to-apples deductibles and coverage limits for every company. If each company quotes higher or lower deductibles then you won’t be able to get a fair rate comparison.

Lower your insurance rates with discounts

Car insurance companies don’t always publicize every discount they offer in an easy-to-find place, so the following is a list of some of the best known and the more hidden ways to save on insurance.

  • Theft Deterent System – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Federal Employees – Active or retired federal employment could provide a small rate reduction for Rio insurance with a few insurance companies.
  • Mature Driver Discount – If you qualify as a senior citizen, you may be able to get lower premium rates for Rio insurance.
  • Defensive Driver Discount – Successfully completing a defensive driver course could save 5% or more and easily recoup the cost of the course.
  • Drive Safe and Save – Insureds who avoid accidents can get discounts for up to 45% lower rates for Rio insurance than drivers with accidents.
  • Smart Student Discounts – Excelling in school may save you up to 25%. This discount can apply until age 25.
  • Multi-Vehicle Discounts – Insuring multiple vehicles with the same insurance company can get a discount for every vehicle.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up can save up to 15% off PIP or medical payments premium.
  • Air Bag Discount – Factory air bags or motorized seat belts may earn rate discounts of 25 to 30%.

Just know that most credits do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, companies don’t profit that way.

A partial list of companies who might offer these benefits may include but are not limited to:

If you are trying to find affordable insurance coverage quotes, ask every prospective company how you can save money. Some of the discounts discussed earlier may not be offered in your area. To find providers with the best discounts, click here to view.

You are unique and your auto insurance should be too

When buying the right insurance coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining whether you might need an agent’s assistance.

  • How much liability insurance is required?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered if I wreck a rental car?
  • Why am I required to buy liability insurance?
  • Is my 2014 Kia Rio covered for flood damage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I benefit by insuring my home with the same company?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and can provide invaluable advice.

Car insurance coverage information

Learning about specific coverages of your policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Liability car insurance

Liability coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like attorney fees, court costs, emergency aid and repair costs for stationary objects. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive car insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a broken windshield, damage from flooding, fire damage and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for expenses for X-ray expenses, funeral costs, chiropractic care and doctor visits. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Kia Rio.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as damaging your car on a curb, hitting a parking meter, colliding with a tree, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.