Cheapest 2007 Kia Rio Insurance Rates in 2023
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UPDATED: May 12, 2022
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Having to pay for overpriced insurance coverage can overdraw your personal savings and force you to prioritize other expenses. Comparing price quotes is a smart way to make sure you’re not throwing money away.
Big-name insurance companies like State Farm and GEICO increase brand awareness with TV and radio ads and it is challenging if not impossible to ignore the propoganda and take the time to shop coverage around.
How to Compare Insurance Coverage Quotes
Effectively comparing insurance coverage prices can be a daunting task if you don’t understand the easiest way. You can waste a few hours (or days) talking to insurance agencies in your area, or you could use online quotes for quick rates.
The majority of car insurance companies belong to a marketplace where prospective buyers submit their information once, and each company then gives them pricing based on that data. This saves time by eliminating repetitive form submissions for each company you want a rate for.
To find out how much you’re overpaying now click here (opens in new window).
The only downside to using this type of system is that consumers can’t choose which providers you will receive quotes from. So if you want to select individual companies to request quotes from, we have assembled a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.
It’s up to you which method you use, but compare the exact same coverages for each price quote. If each company quotes unequal deductibles or liability limits it will be very difficult to determine the best price for your Kia Rio. Slightly different coverage limits can result in a big premium difference. Just remember that quoting more will enable you to find the best rates.
Discounts are available to cut your rates
Insurance can be prohibitively expensive, but you can get discounts to cut the cost considerably. Certain discounts will be applied when you purchase, but lesser-known reductions have to be requested specifically before they will apply.
- Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
- Federal Employees – Employees or retirees of the government can save as much as 8% for Rio coverage with a few insurance companies.
- Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
- Multiple Cars – Having all your vehicles on the same insurance policy qualifies for this discount.
- Service Members Pay Less – Being deployed with a military unit can result in better rates.
- Driver Safety – Taking a driver safety course could cut 5% off your bill depending on where you live.
- Seat Belts Save – Requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
- No Charge for an Accident – A handful of insurance companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
- Drive Less and Save – Keeping the miles down on your Kia can earn lower rates on the low mileage vehicles.
A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, you’re out of luck. Any amount of discount will bring down your premiums.
For a list of providers with the best insurance discounts, click here to view.
Kia Rio rates are in the details
An important part of buying insurance is that you know the factors that go into determining the rates you pay for car insurance. Understanding what determines base rates empowers consumers to make smart changes that could result in big savings.
- Lower rates with optional equipment – Driving a car that has an advanced theft prevention system can save you a little every year. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your vehicle from being stolen.
- Adjust deductibles and save – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Kia from damage. Some examples of claims that would be covered are colliding with a building, collision with an animal, and windstorm damage. Your deductibles are the amount of money you are willing to pay out-of-pocket before your car insurance pays a claim. The higher the amount the insured has to pay upfront, the bigger discount you will receive for Rio coverage.
- Safe vehicles cost less to insure – Vehicles with high crash test scores get lower rates. Safer cars protect occupants better and fewer injuries means less money paid by your insurance company and lower rates for you. If your Kia is rated at least four stars on Safercar.gov it may be receiving lower rates.
- Rates may be higher depending on your occupation – Did you know that where you work can have an impact on rates? Careers like real estate brokers, business owners and dentists are shown to have the highest average rates due to job stress and lengthy work days. Other occupations such as scientists, historians and performers pay the least for Rio coverage.
Everyone needs different coverages
When buying adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different and your policy should reflect that. For example, these questions may help highlight if your situation might need an agent’s assistance.
- Where can I find DUI or SR-22 insurance?
- How many claims can I have before being canceled?
- Do I need PIP (personal injury protection) coverage in my state?
- Which is better, split liability limits or combined limits?
- If my pet gets injured in an accident are they covered?
- Do I have coverage for damage caused while driving under the influence?
- What discounts do I qualify for?
- Do I need replacement cost coverage on my 2007 Kia Rio?
- Should I file a claim if it’s only slightly more than my deductible?
If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier
Auto insurance coverage information
Learning about specific coverages of your auto insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages found on most auto insurance policies.
Comprehensive (Other than Collision) – Comprehensive insurance pays for 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 insurance covers claims such as theft, a tree branch falling on your vehicle and hitting a deer. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Liability coverages – Liability insurance can cover damage or injury you incur to people or other property. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
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 limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined limit that pays claims from the same limit without having the split limit caps.
Liability can pay for claims like structural damage, repair bills for other people’s vehicles, bail bonds, emergency aid and medical expenses. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.
Protection from uninsured/underinsured drivers – This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Kia Rio.
Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.
Collision coverages – This coverage covers damage to your Rio resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for things like driving through your garage door, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.
Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like doctor visits, pain medications, funeral costs, dental work and nursing services. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Be Smart and Buy Smart
When trying to cut insurance costs, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where drivers have reduced collision coverage and found out when filing a claim they didn’t have enough coverage. The aim is to get the best coverage possible at an affordable rate.
Cost effective 2007 Kia Rio insurance can be purchased online and with local insurance agents, and you should be comparing both to get a complete price analysis. A few companies do not offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.
Much more information about auto insurance is located at these links:
- Young Drivers: The High Risk Years Video (iihs.org)
- Airbag FAQ (iihs.org)
- Smart Auto Insurance Tips (Insurance Information Insitute)
- Preventing Carjacking and Theft (Insurance Information Insitute)
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