View 2017 Kia Rio Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 17, 2024

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Looking for cheaper auto insurance rates? Shoppers have options when shopping for the best price on Kia Rio insurance. You can either waste hours calling around to compare prices or leverage the internet to get rate quotes.

There is a better way to shop for auto insurance and we’ll show you the proper way to quote coverages for a Kia and get the cheapest rates from local insurance agents and online providers.

How to compare auto insurance rate quotes

Finding a lower price on 2017 Kia Rio insurance is pretty simple and can save money. The only thing you need to do is invest a little time to compare free auto insurance quotes to find. Shoppers can get rates in several different ways.

  1. The most efficient way to find the lowest comparison rates is to use a rate comparison form. This easy form eliminates the need for separate quote forms for each company. A single, simple form gets coverage cost estimates from multiple companies. It’s the fastest way to compare.
  2. A different way to analyze rates consists of visiting the website for each individual company to complete a price quote. For example, we’ll assume you want to view quotes from Progressive, Esurance and Travelers. To find out each rate you need to navigate to each company’s site to enter the same coverage data repeatedly, which can be really labor intensive.
  3. The hardest method to find and compare rates is driving to insurance agencies in your area. Buying insurance online reduces the need to sit down with an agent unless you have a need for the advice and guidance that only a licensed agent can provide. If you prefer, some companies allow you to obtain prices from the web but have a local agent actually write the policy.

Compare rates however you want, just try to keep exactly the same information for every company. If the quotes have unequal deductibles or liability limits it’s not possible to find the best deal for your Kia Rio.

Insurance advertising gotchas

Consumers can’t get away from all the ads for insurance savings from companies such as Allstate and Progressive. They all seem to tend to make the same promise that drivers can save some big amount if you just switch your coverage to them.

It sounds good, but how can they all sell you cheaper insurance coverage? It’s all in how they say it.

Insurance companies give the cheapest rates for the type of customer that will not have excessive claims. For instance, this type of insured could be a married male, has never had a policy lapse, and has excellent credit. Any customer who fits those characteristics will get a cheap rate quote and have a good chance to cut their rates if they switch.

Potential insureds who may not quite match those criteria may be forced to pay more expensive rates which results in the customer not purchasing. The wording the ads use say “customers that switch” not “everybody who quotes” save that kind of money. That’s the way companies can truthfully claim big savings.

Because of the profiling, you should compare as many free auto insurance quotes as you can. It is impossible to guess the company that will provide you with the cheapest prices.

Quote Kia Rio insurance for less

When buying insurance coverage it’s important to understand the different types of things that help determine your insurance coverage rates. When you understand what positively or negatively impacts your premiums, this enables informed choices that will entitle you to big savings.

  • Gender impacts premiums – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. This data doesn’t prove that women are better drivers. Women and men cause accidents in similar numbers, but the male of the species get into accidents with more damage. They also receive more costly citations such as DWI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure and thus pay the highest rates.
  • Where you call home – Living in smaller towns and rural areas of the country has definite advantages when shopping for auto insurance. Fewer drivers on the road means reduced accidents and a lower car theft rate. Urban drivers tend to have much more traffic and much longer commute distances. More time commuting means more chance of being in an accident.
  • Drive less and get lower costs – The higher the miles on your Kia each year the more it will cost to insure it. Many insurance companies price each vehicle’s coverage based upon how much you drive. Vehicles left parked in the garage cost less to insure than cars that get driven a lot. Having an incorrect usage rating on your Rio can result in significantly higher rates. Double check that your policy reflects the correct usage.
  • Rates can drop if you have more than one policy – Most insurance coverage companies afford lower prices to people who consolidate policies with them in the form of a multi-policy discount. Even with this discount, drivers will still want to shop around to help guarantee you have the best rates. You may still be able to save even more by insuring with multiple companies.
  • Incidental coverages that may not be needed – Policies have additional coverages that can waste your money if you aren’t careful. Add-on coverages like roadside assistance, towing, and motor club memberships may be costing you every month. These may sound like a good investment when deciding what coverages you need, but now you might not need them so eliminate the coverages to reduce your premium.
  • Pay lower rates if you’re married – Your spouse may earn you lower rates on your insurance coverage bill. It is viewed as being more financially stable and insurance companies like that being married results in fewer claims.
  • Theft deterrents lowers rates – Driving a car that has an advanced theft prevention system can help lower your rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
  • Your credit history is important – Your credit score can be an important factor in determining your rates. If your credit history can be improved, you could be paying less to insure your 2017 Kia Rio if you clean up your credit. Consumers who have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with poor credit scores.

More affordable rates by earning discounts

Insuring your vehicles can cost a lot, but you might already qualify for some discounts that may help make it more affordable. Certain reductions will be credited when you quote, but lesser-known reductions have to be specifically requested before being credited.

  • More Vehicles More Savings – Buying insurance for more than one vehicle with the same company can reduce the rates for all insured vehicles.
  • Low Mileage Discounts – Fewer annual miles on your Kia could earn cheaper prices.
  • Clubs and Organizations – Affiliation with qualifying clubs or civic groups could trigger savings on your policy.
  • Bundled Policy Discount – When you combine your auto and home insurance and insure them both with the same insurance company they may give you a discount of nearly 15% which can help you find inexpensive auto insurance.
  • No Claims – Insureds with no claims or accidents get the best insurance rates in comparison to accident-prone drivers.
  • Save with a New Car – Insuring a new car may earn a small discount because new vehicles are generally safer.
  • Early Renewal Discounts – A few companies offer discounts for switching policies before your current expiration date. It’s a savings of about 10%.

We need to note that some credits don’t apply to your bottom line cost. A few only apply to individual premiums such as medical payments or collision. Even though it appears all those discounts means the company will pay you, that’s just not realistic.

Auto insurance companies that have most of the discounts above include:

  • State Farm
  • American Family
  • AAA
  • Mercury Insurance
  • Farmers Insurance
  • Progressive

Before purchasing a policy, check with every insurance company which discounts you qualify for. Some of the earlier mentioned discounts might not apply in your area. If you would like to view providers that offer many of these discounts, enter your zip code here.

Your auto insurance coverage should be tailored to you

When it comes to buying adequate coverage for your vehicles, there is no best way to insure your cars. Each situation is unique.

These are some specific questions can aid in determining if your insurance needs could use an agent’s help.

  • Should I buy full coverage?
  • Am I covered when delivering products for my home-based business?
  • How much liability coverage do I need in my state?
  • Am I covered by my spouse’s policy after a separation?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered when using my vehicle for business?
  • How does medical payments coverage work?
  • Is my nanny covered when driving my vehicle?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out your zip code. It’s fast, doesn’t cost anything and may give you better protection.

Learn about insurance coverages for a Kia Rio

Learning about specific coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as ambulance fees, doctor visits, nursing services and surgery. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover 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

Collision coverage

This coverage covers damage to your Rio resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sideswiping another vehicle, hitting a parking meter, sustaining damage from a pot hole, crashing into a building and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to bring the cost down.

Auto liability insurance

Liability coverage will cover injuries or damage you cause to other people or property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as emergency aid, attorney fees and pain and suffering. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from getting keyed, theft, rock chips in glass, hail damage and falling objects. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Kia Rio.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally these coverages are set the same as your liability limits.

In Summary

We just covered some good ideas how you can compare 2017 Kia Rio insurance rates online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may even find the biggest savings come from a small mutual company.

There are still a few companies who may not have online rate quotes and usually these small, regional companies prefer to sell through local independent agents. Cost effective 2017 Kia Rio insurance is possible on the web and from local agencies, and you should be comparing both to have the best chance of lowering rates.

Consumers switch companies for a number of reasons such as high rates after DUI convictions, lack of trust in their agent, not issuing a premium refund and high prices. Regardless of your reason, choosing a new insurance company can be easier than you think.

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