Save on 2014 Kia Rio Car Insurance Quotes

Looking for lower auto insurance rates for your Kia Rio? Finding low-cost insurance for a new or used Kia Rio can be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to find auto insurance online and we’ll show you the best way to compare rates for a new or used Kia and locate the lowest possible price from both online companies and local agents.

It’s a good habit to do rate comparisons as often as possible because auto insurance prices are rarely the same from one policy term to another. If you had the best price on Rio insurance a few years ago there is a good chance you can find better rates now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the right way to eliminate unnecessary coverages and save money.

Lower rate quotes by earning discounts

Companies don’t always list every disount available very well, so the below list has a few of the more common and the harder-to-find credits that you can use to lower your rates.

  • Discount for Life Insurance – Select insurance companies reward you with a small discount if you purchase auto and life insurance together.
  • Multi-car Discount – Purchasing coverage when you have all your vehicles on a single policy can get a discount for every vehicle.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle up could save 15% off the personal injury premium cost.
  • Discounts for Government Workers – Being employed by or retired from a federal job may reduce rates when you quote insurance on Rio insurance with certain companies.
  • Responsible Driver Discount – Insureds without accidents can save up to 40% or more on their insurance quote on Rio insurance than drivers with accidents.
  • College Student Discount – Older children who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Waiver for an Accident – but companies like State Farm and Geico will turn a blind eye to one accident before hitting you with a surcharge so long as you are claim-free for a specific time period.
  • Home Ownership Discount – Just being a homeowner can get you a discount since owning and maintaining a home is proof of financial responsibility.
  • Buy New and Save – Buying a new car model can cost up to 25% less since newer models are generally safer.

While discounts sound great, it’s important to understand that many deductions do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like comp or med pay. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will lower the amount you have to pay.

To find companies that offer multiple discounts, click this link.

Your car insurance coverage should be tailored to you

When choosing the right insurance coverage, there really is no single plan that fits everyone. Every situation is different.

Here are some questions about coverages that might point out whether you will benefit from professional help.

  • Do I need motorclub coverage?
  • What is the rate difference between pleasure use and commuting?
  • When would I need additional glass coverage?
  • Am I covered when using my vehicle for business?
  • Are rental cars covered under my policy?
  • Are there companies who specialize in insuring high-risk drivers?
  • Are all vehicle passengers covered by medical payments coverage?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage information

Having a good grasp of your insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Liability – This will cover damage or injury you incur to other’s property or people that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for things such as medical services, emergency aid and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Protection from uninsured/underinsured drivers – This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Kia Rio.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like funeral costs, doctor visits, hospital visits and nursing services. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, damage from flooding and hail damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverages – This coverage will pay to fix damage to your Rio resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a mailbox, colliding with a tree, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

You can do this!

You just learned some good ideas how you can get a better price on 2014 Kia Rio insurance. The most important thing to understand is the more providers you compare, the better likelihood of getting inexpensive insurance. Drivers may discover the biggest savings come from a small local company.

Consumers change insurance companies for any number of reasons including delays in paying claims, high rates after DUI convictions, lack of trust in their agent and even delays in responding to claim requests. Regardless of your reason for switching companies, switching companies is pretty simple and you could end up saving a buck or two.

A few companies don’t offer online rate quotes smaller companies work with independent agents. The cheapest 2014 Kia Rio insurance is attainable on the web and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates.

Additional insurance coverage information is available at the links below