Cheapest 2012 Kia Rio Insurance Rates in 2023
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UPDATED: Sep 2, 2022
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Scraping up a payment for overpriced Kia Rio insurance can take a big chunk out of your checking account and force you to prioritize other expenses. Comparing price quotes is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.
Many car insurance companies vie for your insurance dollar, and because of this it can be hard to compare insurance companies and uncover the absolute lowest cost out there.
If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you is quite easy. Nevertheless, consumers must comprehend the way insurance companies market insurance on the web because it can help you find the best coverage.
Low Cost Insurance
Effectively comparing insurance prices can be challenging if you aren’t aware of the best way to get rate quotes. You could spend your day discussing policy coverages with insurance agencies in your area, or you can utilize online quoting to achieve your goal.
The majority of car insurance companies take part in a program that allows shoppers to enter their coverage request one time, and each participating company then returns a price quote determined by their information. This system prevents you from having to do quote requests for each company you want a rate for.
To use this form to compare 2012 Kia Rio insurance rates click to open in new window.
The only downside to using this type of form is you can’t choose which providers you want to price. If you wish to select specific providers to compare, we have a listing of companies who write insurance in your area. View list of insurance companies.
Which method you use is up to you, but double check that you are using apples-to-apples coverages for each comparison quote. If your comparisons have higher or lower deductibles it’s not possible to make an equal comparison. Slightly different insurance coverages could mean much higher rates. And when quoting insurance, remember that comparing more company’s prices helps locate better pricing.
Beware of misleading insurance ads
Insurance companies such as Allstate and Progressive consistently run ads on TV and radio. They all seem to have a common claim that you can save if you change to their company. But how can every company claim to save you money? This is how they do it.
All the different companies have a preferred profile for the driver that is profitable for them. For instance, a profitable customer might be profiled as between the ages of 30 and 50, a clean driving record, and has a high credit rating. A propective insured who meets those qualifications gets the lowest rates and therefore will save quite a bit of money when switching.
Potential customers who don’t qualify for these standards must pay a higher premium which usually ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” not “everybody who quotes” save money. This is how companies can advertise the savings.
This illustrates why drivers must get as many comparisons as possible. It is impossible to predict which company will have the lowest Kia Rio insurance rates.
Discounts to lower 2012 Kia Rio insurance rates
Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not know about. Certain discounts will be applied when you quote, but some may not be applied and must be asked for before you will receive the discount.
- Discount for Swiching Early – Some companies give discounts for signing up before your current expiration date. The savings is around 10%.
- Low Mileage – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
- Theft Prevention Discount – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
- Seat Belts Save – Buckling up and requiring all passengers to use a seat belt could cut 10% or more off your medical payments premium.
- Government Employees – Employees or retirees of the government can earn a discount up to 10% for Rio insurance with select insurance companies.
- No Accidents – Drivers who don’t have accidents pay much less when compared with drivers who are more careless.
- Paperless Signup – Some insurance companies will discount your bill up to fifty bucks simply for signing over the internet.
A little note about advertised discounts, some credits don’t apply to your bottom line cost. Most only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like you can get free auto insurance, you’re out of luck. Any amount of discount will cut your overall premium however.
A partial list of companies who might offer these discounts may include but are not limited to:
It’s a good idea to ask every prospective company which discounts you may be entitled to. All car insurance discounts might not apply in every state.
Tailor your coverage to you
When it comes to buying proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. These are some specific questions could help you determine if your insurance needs may require specific advice.
- Do I need PIP (personal injury protection) coverage in my state?
- Can my babysitter drive my car?
- Do I need higher collision deductibles?
- What is no-fault insurance?
- Does coverage extend to a rental car in a foreign country?
- Am I covered when driving someone else’s vehicle?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area.
Auto insurance 101
Learning about specific coverages of car insurance can help you determine the right coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages found on most car insurance policies.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like doctor visits, surgery and rehabilitation expenses. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
This provides protection from damage that occurs to other people or property. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.
Liability insurance covers things like legal defense fees, medical services, pain and suffering, funeral expenses and structural damage. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.
Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.
Comprehensive or Other Than Collision
This coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things such as hail damage, theft and falling objects. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for things such as rolling your car, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.
When buying insurance coverage, it’s very important that you do not buy poor coverage just to save money. There have been many situations where an accident victim reduced collision coverage only to discover later that it was a big error on their part. Your focus should be to buy enough coverage for the lowest price while still protecting your assets.
We just covered a lot of tips how to get a better price on 2012 Kia Rio insurance. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. Consumers may even find the most savings is with a smaller regional carrier. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like Allstate, GEICO and Progressive.
Discount insurance is available on the web and with local insurance agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.
Much more information about car insurance is located on the following sites:
- Auto Insurance Facts and Statistics (Insurance Information Insitute)
- State Laws for Cellphones and Texting (iihs.org)
- Car Insurance: When not to Skimp (BankRate.com)
- How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
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