2017 Kia Rio Insurance Quotes – 6 Discounts for Best Rates

Looking for cheaper insurance rates for your Kia Rio? Finding cheaper insurance for a Kia Rio can turn out to be a lot of work, but you can learn these tips to save time. There are more efficient ways to find insurance online and we’ll show you the best way to quote coverages for a Kia and get the cheapest rates from both online companies and local agents.

Finding the best rates is not that difficult. If you have a policy now or are shopping for new coverage, you can use these tips to find the best rates and possibly find even better coverage. Vehicle owners just need to learn the proper methods to get comparison quotes over the internet.

Quote insurance coverage online

Getting cheap 2017 Kia Rio insurance coverage pricing is not rocket science. The only thing you need to do is take a couple of minutes to compare rate quotes from some recommended companies. This can be done by using one of the methods below.

  • Hands down the most simple method to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This easy form saves time by eliminating separate quote forms for each price estimate. One quote request gets you coverage quotes from many national carriers. It’s definitely the quickest method.
  • A harder way to find more affordable insurance requires visiting the website for each individual company and fill out a new quote form. For sake of this example, let’s assume you want to compare rates from USAA, Progressive and Allstate. You would need to go to every website and repeatedly type in your coverage information, which explains why we recommend starting with the first method.

    For a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but ensure you are comparing identical coverage information on every quote. If the quotes have different data it’s impossible to find the best deal for your Kia Rio.

Discounts can really help lower premiums

Companies don’t always publicize the complete list of policy discounts very clearly, so below is a list some of the more common as well as the least known credits available to lower your premiums when you buy auto insurance online. If they aren’t giving you every credit available, it’s possible you qualify for a lower rate.

  • Home Ownership Discount – Being a homeowner can help you save on insurance coverage because it requires a higher level of personal finance.
  • Full Payment Discount – If paying your policy premium upfront rather than spreading payments over time you may have a lower total premium amount.
  • Onboard Data Collection – Drivers who elect to allow their insurance company to spy on vehicle usage remotely like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates as long as the data is positive.
  • Multi-line Discount – Not all companies offer life insurance, but some may give you a discount if you purchase some life insurance in addition to your auto policy.
  • Save with a New Car – Insuring a new car can save up to 30% because new vehicles are generally safer.
  • Bundled Policy Discount – If you can bundle your auto and home insurance and insure them both with the same insurance company you could save up to 20% and get you the cheapest auto insurance.

Just know that some of the credits will not apply the the whole policy. The majority will only reduce individual premiums such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, companies don’t profit that way. But all discounts will reduce the amount you pay for coverage.

Some companies that may offer most of these discounts include:

When getting a coverage quote, ask each insurance company what discounts are available to you. Savings might not be offered on policies in your area.

Will just any policy work for me?

When choosing the best insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

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

  • Is my trailer covered?
  • What is medical payments coverage?
  • Are my friends covered when driving my car?
  • When does my teenage driver need to be added to my policy?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I covered when using my vehicle for business?
  • Am I covered when driving on a suspended license?
  • Does my insurance cover a custom paint job?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

What auto insurance coverages do you need?

Learning about specific coverages of auto insurance helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision) – Comprehensive insurance 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 coverage protects against things like a tree branch falling on your vehicle, a broken windshield, hitting a deer, theft and rock chips in glass. The maximum payout 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 coverages – This coverage covers damage to your Rio from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like scraping a guard rail, sustaining damage from a pot hole, colliding with another moving vehicle, crashing into a building and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Kia Rio.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Liability auto insurance – Liability insurance will cover injuries or damage you cause to people or other property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for claims such as loss of income, medical expenses, medical services and structural damage. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense insurance – Med pay and PIP coverage pay for short-term medical expenses for things like dental work, rehabilitation expenses and X-ray expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Stretch your dollar

While you’re price shopping online, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped physical damage coverage only to find out they didn’t purchase enough coverage. Your strategy should be to purchase a proper amount of coverage for the lowest price, but do not sacrifice coverage to save money.

Drivers leave their current company for many reasons like lack of trust in their agent, policy cancellation, policy non-renewal and even not issuing a premium refund. Regardless of your reason, choosing a new insurance company can be easy and end up saving you some money.

We just covered many ideas to shop for 2017 Kia Rio insurance online. It’s most important to understand that the more times you quote, the higher your chance of finding the cheapest auto insurance. Consumers could even find that the lowest rates are with a company that doesn’t do a lot of advertising.

To learn more, feel free to browse the resources below: