Cheapest 2019 Kia Rio Insurance Rates in 2023
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UPDATED: Nov 17, 2021
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Looking for better insurance rates? Shoppers have a choice when shopping for the best price on Kia Rio insurance. They can either waste time struggling with agents trying to get quotes or use the internet to compare rates.
There are both good and bad ways to compare insurance rates and we’ll show you the best way to get price quotes on a Kia and find the best price possible either online or from local insurance agents.
This article will tell you how to get online quotes and some tricks to saving. If you currently have car insurance, you will most likely be able to reduce your rates substantially using these tips. Drivers only need an understanding of the most efficient way to compare rates over the internet.
The quickest method we recommend to compare insurance rates from multiple companies utilizes the fact most of the bigger providers allow for online access to give rate comparisons. To get started, all you need to do is spend a couple of minutes providing details like if you lease or own, how many miles driven, whether you have decent credit, and how you use your vehicles. Your details gets transmitted to many different companies and they provide comparison quotes almost instantly.
To find lower rates now, click here and see if a lower rate is available.
Is there truth in advertising?
Consumers can’t get away from all the ads that promise big savings for switching from companies such as Progressive, Allstate and GEICO. They all seem to advertise the message that drivers will save a bundle if you move your policy.
Is it even possible that every company can say the same thing?
All companies have an ideal profile for the type of insured that will be a good risk. For example, a profitable customer might be described as married and over the age of 30, has a clean driving record, and drives less than 5,000 miles a year. A driver that hits that “sweet spot” is entitled to the best price and will probably save some money.
Potential customers who are not a match for this stringent profile may receive a more expensive rate and ends up with the prospect going elsewhere. The trick companies use is to say “people that switch” not “everyone who quotes” save that kind of money. That’s why companies can make claims that they all have the best premium rates.
That is why drivers should compare many company’s premium rates. It’s impossible to know which car insurance company will be your best fit.
Cheaper rates with these nine discounts
Insuring your vehicles can cost a lot, but you may be missing some discounts to reduce the price significantly. Many of these discounts will be applied automatically when you complete an application, but lesser-known reductions have to be specially asked for before you will receive the discount.
- Pay Now and Pay Less – If paying your policy premium upfront as opposed to paying monthly you could save up to 5%.
- Resident Student – Any of your kids who attend college more than 100 miles from home without a vehicle on campus could get you a discount.
- Senior Discount – If you’re over the age of 55, you may receive reduced rates on Rio coverage.
- Home Ownership Discount – Owning a home can help you save on insurance because maintaining a house demonstrates responsibility.
- Discounts for Government Workers – Having worked for a branch of the government could qualify for a slight premium decrease on Rio coverage but check with your company.
- Early Signing – Some insurance companies give discounts for buying a policy prior to the expiration date on your current policy. You could save around 10% when you buy insurance online.
- Seat Belt Discounts – Drivers who require all occupants to use their safety belts can save 10% or more off the PIP or medical payment premium.
- Sign Online – Some insurance companies will discount your bill up to fifty bucks simply for signing on your computer.
- Good Student Discount – Maintaining excellent grades could provide a savings of up to 20% or more. The discount lasts up to age 25.
A quick disclaimer, many deductions do not apply to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will reduce your overall premium however.
A few companies who might offer these discounts include:
- American Family
- The Hartford
When comparing rates, check with each company which discounts you qualify for. Some discounts listed above may not apply to policies in your area. To find providers with the best discounts, enter your zip code here.
Auto insurance can be complex
When it comes to buying the right insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is unique.
These are some specific questions might point out if your insurance needs would benefit from professional advice.
- Does my policy cover my teen driver if they drive my company car?
- Do I need roadside assistance coverage?
- Does coverage extend to a rental car in a foreign country?
- How much liability insurance is required?
- Do I need to file an SR-22 for a DUI in my state?
- When should I not file a claim?
- If my 2019 Kia Rio is totaled, can I afford another vehicle?
- Are my friends covered when driving my 2019 Kia Rio?
- Is a blown tire covered by insurance?
- What happens if I owe more than my 2019 Kia Rio is worth?
If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.
Learn about car insurance coverages for a Kia Rio
Learning about specific coverages of your car insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.
Uninsured and underinsured coverage
Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Kia Rio.
Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually these limits do not exceed the liability coverage limits.
This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as damage from a tornado or hurricane, a tree branch falling on your vehicle and fire damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Coverage for liability
Liability insurance can cover damage or injury you incur to other people or property. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.
Liability can pay for things such as bail bonds, court costs, legal defense fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.
Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for things such as hitting a mailbox, scraping a guard rail, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.
Coverage for medical payments
Coverage for medical payments and/or PIP reimburse you for bills like ambulance fees, rehabilitation expenses, prosthetic devices, hospital visits and doctor visits. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers 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
Be a smart shopper
Some insurance companies may not provide online quoting and many times these small insurance companies provide coverage only through independent agencies. Affordable 2019 Kia Rio insurance is available on the web in addition to local insurance agencies, so you need to compare both to get a complete price analysis.
We’ve covered a lot of techniques to save on 2019 Kia Rio insurance. It’s most important to understand that the more you quote insurance, the higher the chance of saving money. Consumers could even find that the lowest prices are with a small mutual company.
When getting insurance quotes online, never buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed full coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at the best possible price, but do not skimp to save money.
Even more information can be found at these sites:
- Credit Impacts Car Insurance Rates (State Farm)
- Neck Injury FAQ (iihs.org)
- Distracted Driving Extends Beyond Texting (State Farm)
- Keeping Children Safe in Crashes Video (iihs.org)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
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