2018 Kia Rio Insurance Quotes

Are you drained from sacrificing other expenses to insure your Kia every month? You’re in the same situation as many other drivers.

Vehicle owners have many insurers to purchase coverage from, and though it is a good thing to have a choice, lots of choices makes it harder to compare rates and cut insurance costs.

Insurance quotes comparison

There are a lot of ways to compare insurance quotes, but one way is less labor-intensive and much quicker. You could spend your day discussing policy coverages with insurance agencies in your area, or you can utilize online quoting to get rates in a matter of minutes.

All the larger companies participate in a marketplace that allows shoppers to only type in their quote data once, and each participating company can give them a price based on that data. This system prevents you from having to do quote requests for each company you want a rate for. To find out how much you’re overpaying now click to open in new window.

The single downside to doing it this way is that consumers can’t choose which providers to receive prices from. So if you prefer to pick specific providers to compare, we have a page of the cheapest insurance companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just do your best to enter apples-to-apples quote data on every price quote you get. If you enter mixed coverages it’s impossible to determine which company has the best rates. Quoting even small variations in coverage limits may result in large price differences. And when quoting insurance, remember that comparing all the rates in your area will increase your chances of finding lower pricing.

Tailor your insurance coverage to you

When choosing the best insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions may help highlight if you would benefit from an agent’s advice.

Should I sign the liability waiver when renting a car?
Is there coverage for injuries to my pets?
If I drive on a suspended license am I covered?
How can I find cheaper teen driver insurance?
How much liability do I need to cover my assets?
Is upholstery damage covered by car insurance?
Should I buy more coverage than the required minimum liability coverage?
Am I insured when driving a different vehicle?

If it’s difficult to answer those questions, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Learn about auto insurance coverages for a 2018 Kia Rio

Having a good grasp of a auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages found on most auto insurance policies.

Liability auto insurance

Liability insurance provides protection from damages or injuries you inflict on other’s property or people. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things like structural damage, loss of income, attorney fees and medical expenses. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Comprehensive auto insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, damage from flooding, falling objects, vandalism and fire damage. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

Collision coverage will pay to fix damage to your Rio resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as driving through your garage door, colliding with a tree, hitting a parking meter, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Kia Rio.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like EMT expenses, prosthetic devices, nursing services, rehabilitation expenses and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage