Cheap 2006 Kia Rio Car Insurance Rates

Looking for lower insurance coverage rates for your Kia Rio? Finding low-cost insurance for a Kia Rio can turn out to 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 insurance coverage and we’ll show you the best way to compare rates for a new or used Kia and get the lowest price.

You should take the time to get comparison quotes yearly because insurance coverage prices are variable and change quite frequently. Just because you had the best rates for Rio coverage a few years ago you will most likely find a better rate quote today. Forget anything you know (or think you know) about insurance coverage because you’re going to learn the right way to save money, get proper coverage and the best rates.

How much is insurance coverage?

Effectively comparing insurance coverage prices can be challenging if you don’t understand the fastest way to get free quotes. You could waste time discussing policy coverages with insurance agencies in your area, or you can utilize online quoting to accomplish the same thing much quicker.

Most of the larger companies belong to a marketplace that enables customers to only type in their quote data once, and each company can provide price quotes based on that data. This system prevents you from having to do form submissions for every insurance coverage company.

To submit your quote information now, click here to open in new window.

The one downside to using this type of form is you don’t know exactly the insurers you will receive quotes from. So if you prefer to pick specific insurance companies to compare prices, we put together a list of the cheapest insurance coverage companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but make sure you are using the same coverage information for every quote you compare. If you compare differing limits you can’t possibly make an equal comparison.

When to get professional advice

When it comes to buying proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Every situation is different.

For example, these questions can help discover if your insurance needs would benefit from professional advice.

  • What is PIP insurance?
  • Should I bundle my homeowners policy with my auto?
  • If my pet gets injured in an accident are they covered?
  • Am I covered by my spouse’s policy after a separation?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered if I crash into my own garage door?
  • Where can I find high-risk insurance?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Insurance coverage basics

Knowing the specifics of your policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Liability

Liability coverage provides protection from injuries or damage you cause to people or other property that is your fault. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things such as medical expenses, medical services and funeral expenses. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like pain medications, X-ray expenses, rehabilitation expenses, EMT expenses and chiropractic care. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Kia Rio.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally these limits are set the same as your liablity limits.

Collision protection

Collision insurance covers damage to your Rio resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a parking meter, colliding with another moving vehicle, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision

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

Comprehensive coverage pays for things like fire damage, hitting a deer and rock chips in glass. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.