View 2011 Kia Rio Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Looking for cheaper insurance coverage rates for your Kia Rio? Nobody cherishes buying insurance coverage, in particular when the price is too high.

Big-name insurance companies like GEICO, 21st Century and Progressive continually hit you with fancy advertisements and it is challenging if not impossible to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

It’s important to shop coverage around quite often because rates go up and down regularly. Just because you found the best deal for Rio insurance a few years ago other companies may now be cheaper. There is a lot of bad advice regarding insurance coverage on the internet, so by reading this article, you’re going to learn some great ideas on how to find affordable insurance coverage.

How to Get Insurance Coverage

The are a couple different ways to compare rate quotes from local insurance coverage companies. The recommended way to find the lowest 2011 Kia Rio rates is simply to get online rate quotes. This is very easy and can be done in just a few minutes using one of these methods.

  • One of the best ways to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating separate forms for each company. Filling out one form gets rate comparisons from multiple low-cost companies.
  • Another way to get comparison quotes is going to the website of each company and request a quote. For instance, let’s assume you want comparison quotes from GEICO, Liberty Mutual and GMAC. To get each rate you have to spend time on each company’s site and enter your information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just ensure you’re using exactly the same coverage limits and deductibles for every company. If you enter unequal deductibles or liability limits it will be impossible to make a fair comparison for your Kia Rio. Quoting even small variations in coverages can mean a large discrepancy in price. It’s important to know that comparing a large number of companies gives you a better chance of getting the best price.

You may need specialized coverage

When it comes to buying the right insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions could help you determine if you could use an agent’s help.

  • Do I have coverage if my license is suspended?
  • What is the difference between comprehensive and collision coverage?
  • What happens if I owe more than my 2011 Kia Rio is worth?
  • When would I need additional glass coverage?
  • Can I make deliveries for my home business?
  • When can my company non-renew my policy?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I need more liability coverage?
  • Is a fancy paint job covered?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance 101

Knowing the specifics of your policy can help you determine the best coverages for your vehicles. Auto insurance terms can be ambiguous and coverage can change by endorsement. Listed below are typical coverages available from auto insurance companies.

Collision coverage

Collision insurance pays for damage to your Rio caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a parking meter, crashing into a building, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance coverage 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 coverage protects against things such as damage from a tornado or hurricane, hitting a deer and theft. The highest amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense coverage

Med pay and PIP coverage pay for bills such as rehabilitation expenses, funeral costs, nursing services, dental work and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Liability auto insurance

Liability coverage can cover damage or injury you incur to other’s property or people. This coverage protects you from legal claims by others. It does not 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 policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like medical services, structural damage, court costs and emergency aid. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

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