Lower Your 2007 Kia Rio Insurance Quotes

Are you tired of trying to scrape together enough money to buy car insurance? You’re in the same situation as many other consumers.

Companies like State Farm and Geico constantly bombard you with advertising and it is difficult to ignore the flashy ads and do the work needed to find the best deal.

Do you qualify for discounts?

Companies that sell car insurance don’t list all their discounts in a way that’s easy to find, so we researched both the well known and the harder-to-find discounts you could be receiving.

  • Discount for Life Insurance – Some companies give a break if you buy auto and life insurance together.
  • Safety Course Discount – Taking a defensive driving course can save you 5% or more if your company offers it.
  • Accident Forgiveness – A handful of insurance companies permit an accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.

Consumers should know that most discount credits are not given to the entire policy premium. A few only apply to individual premiums such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, insurance companies aren’t that generous.

For a list of insurers with the best insurance discounts, click this link.

Don’t assume everyone needs the same coverage

When it comes to choosing proper insurance coverage, there isn’t really a cookie cutter policy. Every situation is different so your insurance should reflect that For instance, these questions may help highlight whether or not you could use an agent’s help.

  • Is motorclub coverage worth it?
  • Should I buy additional glass protection?
  • What is the minimum liability in my state?
  • How high should deductibles be on a 2007 Kia Rio?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I need roadside assistance coverage?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Don’t listen to company ads

Insurance companies such as Allstate, Geico and Progressive consistently run ads on television and other media. They all seem to have a common claim that you’ll save big if you change your coverage to them. How does each company make almost identical claims?

All companies are able to cherry pick for the right customer they prefer to insure. For example, a driver they prefer could be between 30 and 50, is a homeowner, and has great credit. A driver who fits that profile will qualify for the lowest rates and therefore will pay quite a bit less when switching companies.

Potential customers who don’t meet the requirements will be charged higher premiums which usually ends up with the customer not buying. The ad wording is “customers that switch” not “people who quote” save that kind of money. This is how insurance companies can confidently state the savings. That is why you should get as many quotes as possible. It’s impossible to know the company that will give you the biggest savings on Kia Rio insurance.

What insurance coverages do you need?

Knowing the specifics of insurance aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages found on the average insurance policy.

Collision coverage – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as rolling your car, hitting a mailbox, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as funeral costs, EMT expenses, rehabilitation expenses, prosthetic devices and dental work. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 2007 Kia Rio.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like falling objects, hitting a deer, rock chips in glass, damage from flooding and vandalism. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability auto insurance – This will cover damage that occurs to other’s property or people. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like bail bonds, court costs, medical expenses and emergency aid. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Make an honest buck

As you go through the steps to switch your coverage, never buy poor coverage just to save money. Too many times, consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that the savings was not a smart move. Your goal should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

Affordable 2007 Kia Rio insurance can be bought from both online companies in addition to many insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

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