How Much Does 2009 Kia Rio Insurance Cost?

Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Believe me when I say there are lots of people in the same boat.

Lots of car insurance companies contend to insure your vehicles, and it can be difficult to compare rates to find the absolute lowest price

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this strategy. Finding the best rates is easy if you know what you’re doing. But vehicle owners need to have an understanding of the way insurance companies sell online and use this information to your advantage.

The best way to compare rates utilizes the fact most of the bigger providers have advanced systems to provide you with a free rate quote. The only thing you need to do is take a few minutes to give details including distance driven, your education level, the make and model of your vehicles, and whether your vehicle is owned or leased. Those rating factors is sent automatically to insurance carriers in your area and you will receive price estimates immediately.

To compare multiple company rates now, click here and see if a lower rate is available.

Lots of discounts mean lots of savings

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to cut the cost considerably. A few discounts will automatically apply when you get a quote, but a few need to be asked for before you get the savings.

• Student in College – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
• Good Student Discount – This discount can save 20 to 25%. The good student discount can last up until you turn 25.
• Multiple Policy Discount – If you have multiple policies with the same insurance company you could get a discount of at least 10% off all policies.
• Life Insurance – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
• Drive Safe and Save – Insureds without accidents can pay as much as 50% less for Rio coverage than less cautious drivers.

It’s important to note that most credits do not apply the the whole policy. Some only reduce specific coverage prices like medical payments or collision. Even though it may seem like all those discounts means the company will pay you, insurance companies aren’t that generous. Any qualifying discounts will help reduce your overall premium however.

For a list of insurance companies offering insurance discounts, follow this link.

Situations that might require an agent

When it comes to choosing the best insurance coverage for your vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions might point out if your situation would benefit from an agent’s advice.

• Do I benefit by insuring my home with the same company?
• Am I getting all the discounts available?
• When do I need to add a new car to my policy?
• Does coverage extend to Mexico or Canada?
• What is roadside assistance coverage?
• Am I covered if hit by an uninsured driver?
• Is my teen driver covered when they drive my company car?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with 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

What auto insurance coverages do you need?

Knowing the specifics of your policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average auto insurance policy.

Auto collision coverage

This coverage covers damage to your Rio from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like rolling your car, hitting a mailbox, crashing into a building, colliding with a tree and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as fire damage, falling objects, damage from flooding, rock chips in glass and hitting a deer. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Kia Rio.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like hospital visits, dental work, rehabilitation expenses, nursing services and funeral costs. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Coverage for liability

Liability coverage will cover injuries or damage you cause to people or other property. This coverage protects you against other people’s claims, and does not provide coverage for 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. You commonly see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as funeral expenses, bail bonds and legal defense fees. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.