Cheaper 2015 Kia Rio Insurance Rates

Trying to find cheaper insurance coverage rates for your Kia Rio? If price shopping insurance coverage quotes online is new to you, chances are good that you are baffled of online insurance coverage companies and websites competing for your business.

It’s a great practice to get comparison quotes once or twice a year due to the fact that insurance prices are usually higher with each renewal. Just because you had the lowest price on Rio coverage two years ago there is a good chance you can find better rate quotes now. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to how to use the internet to find better coverage at a better price.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have a car insurance policy, you will most likely be able to save some money using these methods. Although vehicle owners do need to understand how insurance companies sell online and use this information to your advantage.

How to lower your insurance prices

Many things are considered when you get your auto insurance bill. A few of the factors are predictable such as your driving history, but other factors are not quite as obvious like where you live or how safe your car is.

  • Vehicle features that cut premiums – Selecting a car model that has an advanced theft prevention system can help lower your premiums. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent car theft and help bring rates down.
  • You might want pay the small insurance coverage claims yourself – Companies generally give lower rates to drivers who do not file claims often. If you file a lot of claims you can pretty much guarantee higher rates. Insurance coverage is intended to be relied upon for more catestrophic claims.
  • Lower rates for vehicles with better crash test results – Safe vehicles are cheaper to insure. Highly rated vehicles protect occupants better and any reduction in injury severity means lower claim amounts which can result in lower premiums. If the Kia Rio scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Teenagers vs. older drivers – Mature drivers have been proven to be more responsible, cause fewer claims and accidents and receive fewer citations.Teen drivers have a tendency to be inattentive and easily distracted when at the wheel of a vehicle and because of this, their insurance coverage rates are much higher.

Insurance coverage companies offer money-saving discounts

Auto insurance companies don’t necessarily list all possible discounts very well, so we researched a few of the more well known and the harder-to-find credits available to bring down your rates.

  • No Claims – Drivers with accident-free driving histories get the best insurance coverage rates in comparison with bad drivers.
  • Homeowners Pay Less – Just being a homeowner may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Data Collection Discounts – Drivers who agree to allow their insurance coverage company to scrutinize their driving habits through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they exhibit good driving behavior.
  • Defensive Driving Course – Taking time to complete a course in safe driver can save you 5% or more and easily pay for the cost of the class.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in school.
  • Smart Student Discounts – This discount may save you up to 25%. Many companies even apply the discount to college students until age 25.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can get savings of up to 25% or more.
  • Early Switch Discount – A few companies give discounts for renewing your policy before your current expiration date. This can save 10% or more.

Just know that many deductions do not apply to the entire cost. Most only cut specific coverage prices like medical payments or collision. Just because you may think you could get a free insurance coverage policy, that’s just not realistic. But all discounts will lower your policy cost.

A few popular companies and their possible discounts are detailed below.

  • AAA has discounts for good student, multi-policy, good driver, education and occupation, and AAA membership discount.
  • Progressive offers premium reductions for online signing, good student, continuous coverage, multi-policy, and homeowner.
  • State Farm offers discounts including multiple autos, defensive driving training, Steer Clear safe driver discount, good driver, anti-theft, and Drive Safe & Save.
  • Esurance may include discounts for renters, online shopper, anti-theft, good student, and anti-lock brakes.
  • Nationwide offers discounts for business or organization, easy pay, multi-policy, defensive driving, and Farm Bureau membership.

Check with every insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts may not be available in your area. To see companies that offer discounts, click this link.

Insurance myths debunked

Big name companies like State Farm and Allstate consistently run ads on TV and radio. They all seem to tend to make the same promise that people will save if you change to their company. That’s great but how can every company lower your rates? This is the trick they use.

All the different companies give the best rates for the type of driver that earns them the most money. For example, this type of insured could possibly be between the ages of 30 and 50, insures multiple vehicles, and chooses high deductibles. Any driver that meets those criteria is entitled to the best price and therefore will save quite a bit of money when switching.

Drivers who do not match those standards may receive a higher premium which translates to the customer buying from someone else. If you listen closely, the ads state “drivers who switch” not “everybody who quotes” save that kind of money. That’s the way insurance companies can advertise the savings. That is why you should compare as many free insurance coverage quotes as you can. It’s not possible to predict which company will be your best fit.

Do I just need basic coverages?

When it comes to choosing adequate coverage, there really is no cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that might point out whether or not you might need an agent’s assistance.

  • Are there companies who specialize in insuring high-risk drivers?
  • Where can I get insurance after a DUI in my state?
  • What vehicles should carry emergency assistance coverage?
  • If my 2015 Kia Rio is totaled, can I afford another vehicle?
  • Do I pay less for low miles?
  • Do I have coverage when making deliveries for my home business?
  • Should I buy full coverage?
  • Am I covered if my car is in a flood?
  • Does my insurance cover a custom paint job?
  • Should I buy additional glass protection?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Parts of your car insurance policy

Having a good grasp of car insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability car insurance

Liability insurance provides protection from injuries or damage you cause to a person or their property in an accident. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as loss of income, bail bonds, legal defense fees, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides 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 as well as damage to your Kia Rio.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, a broken windshield, fire damage and hail damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision insurance

Collision insurance will pay to fix damage to your Rio caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like scraping a guard rail, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as EMT expenses, prosthetic devices, X-ray expenses, rehabilitation expenses and hospital visits. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

And the best car insurance company is…

Budget-conscious 2015 Kia Rio insurance can be purchased both online as well as from insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers may not provide online quoting and usually these smaller providers only sell coverage through local independent agents.

Insureds leave their current company for a variety of reasons including extreme rates for teen drivers, an unsatisfactory settlement offer, being labeled a high risk driver or policy cancellation. Regardless of your reason, choosing a new insurance company can be easier than you think.

When searching for inexpensive insurance coverage quotes, you should never skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy a smart amount of coverage at the best possible price, not the least amount of coverage.

Additional auto insurance information can be found below: