Cheap 2011 Kia Rio Insurance Rates

Trying to find the cheapest insurance for a new or used Kia Rio could be an all-consuming task, but you can follow our insurance buying tips to save time. There is a right way and a wrong way to shop for insurance and you need to know the absolute fastest way to price shop coverage for your Kia and locate the best price possible.

It’s a great practice to get comparison quotes on a regular basis because insurance rates are usually higher with each renewal. Even if you got the lowest premium rates on Rio coverage a couple years back there is a good chance you can find better prices now. Block out anything you think you know about insurance because you’re about to find out the right way to eliminate unnecessary coverages and save money.

How much is car insurance?

Most of the larger companies such as 21st Century, Allstate and State Farm allow you to get coverage price quotes direct online. Getting prices online doesn’t take much effort as you simply type in your coverage preferences as requested by the quote form. After you complete the form, their rating system will order reports for credit and driving violations and returns pricing information.

Being able to quote online simplifies rate comparisons, but the time it takes to visit many different websites and complete many quote forms gets old quite quickly. But it’s also necessary to have as many quotes as possible in order to find better prices.

Keep reading for an easier way to compare prices

A better way to lower your car insurance bill uses one form that obtains quotes from a lot of companies. The form is fast, eliminates form submissions, and makes online shopping much easier. Immediately after you send the form, it gets priced and you can select any or none of the returned quotes. If a lower price is quoted, you can simply submit the application and purchase coverage. The whole process just takes a couple of minutes and can result in significant savings.

To get comparison pricing now, click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you enter just like they are on your policy. This ensures you are getting comparison quotes for exact coverage.

Slash your insurance rates with discounts

Insurance is expensive, but you might already qualify for some discounts that can drop the cost substantially. Most are applied when you purchase, but a few must be inquired about before being credited.

  • Seat Belt Discounts – Drivers who require all vehicle occupants to buckle their seat belts could cut 10% or more off PIP or medical payments premium.
  • Mature Driver Discount – If you’re over the age of 55, you could receive a small discount on rates on Rio coverage.
  • Auto/Home Discount – When you have multiple policies with one company they may give you a discount of as much as 10 to 15 percent.
  • Accident Forgiveness – but a few companies such as State Farm and Progressive will forgive one accident before hitting you with a surcharge if you have no claims for a certain period of time.
  • Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you better prices if you take out life insurance from them.
  • Buy New and Save – Insuring a new car may earn a small discount since newer models are generally safer.
  • Organization Discounts – Affiliation with certain professional organizations can get you a small discount on your next insurance statement.
  • Theft Prevention System – Cars and trucks optioned with advanced anti-theft systems help deter theft and that can save you a little bit as well.
  • Telematics Data – Insureds that choose to allow their insurance company to analyze driving patterns remotely such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they show good driving skills.
  • Driver’s Ed – Require your teen driver to enroll and complete driver’s education as it will make them better drivers and lower rates.

A quick disclaimer, most of the big mark downs will not be given the the whole policy. Most only cut specific coverage prices like medical payments or collision. So when the math indicates you would end up receiving a 100% discount, companies don’t profit that way.

Companies and a selection of discounts include:

  • GEICO may have discounts that include driver training, membership and employees, good student, five-year accident-free, anti-lock brakes, and military active duty.
  • USAA has savings for defensive driver, military installation, safe driver, driver training, multi-policy, family discount, and new vehicle.
  • Progressive offers discounts for online quote discount, homeowner, online signing, good student, and continuous coverage.
  • American Family may include discounts for mySafetyValet, Steer into Savings, air bags, bundled insurance, and good student.
  • Esurance has discounts for good student, Switch & Save, online quote, claim free, and homeowner.
  • Farmers Insurance may offer discounts for good student, homeowner, electronic funds transfer, early shopping, and teen driver.
  • State Farm discounts include good student, student away at school, passive restraint, Steer Clear safe driver discount, driver’s education, and defensive driving training.

Before buying, ask every company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policies in your state. If you would like to choose from a list of insurance companies that offer multiple discounts, click here to view.

You are unique and your insurance should be too

When it comes to choosing coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions may help you determine whether your personal situation would benefit from professional advice.

  • What if I total my 2011 Kia Rio and owe more than it’s worth?
  • Should I put collision coverage on all my vehicles?
  • What are the best liability limits?
  • Which is better, split liability limits or combined limits?
  • Why is insurance for a teen driver so high?
  • Is business property covered if stolen from my car?
  • Will my rates increase for filing one claim?

If it’s difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Educate yourself about auto insurance coverages

Learning about specific coverages of your auto insurance policy can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Liability car insurance

This protects you from damage or injury you incur to other’s property or people. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against things like repair bills for other people’s vehicles, emergency aid, pain and suffering, structural damage and loss of income. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like theft, damage from a tornado or hurricane and fire damage. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your 2011 Kia Rio.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Collision coverage protection

This coverage pays for damage to your Rio from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as rolling your car, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for chiropractic care, doctor visits and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Online plus local equals savings

We covered a lot of tips how to lower your 2011 Kia Rio insurance prices. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers could even find that the best price on car insurance is with an unexpected company.

Budget-conscious 2011 Kia Rio insurance is definitely available from both online companies in addition to local insurance agencies, and you should compare rates from both to get a complete price analysis. Some insurance providers do not offer rate quotes online and most of the time these smaller companies prefer to sell through independent agents.

People leave their current company for any number of reasons including questionable increases in premium, being labeled a high risk driver, delays in paying claims and lack of trust in their agent. Regardless of your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

More detailed car insurance information is located in the articles below: