2007 Kia Rio Insurance Cost

Buyers have many options when searching for low-cost Kia Rio insurance. You can either waste hours contacting agents getting price quotes or utilize the internet to make rate comparisons.

There are both good and bad ways to find auto insurance online so we’re going to tell you the quickest way to quote coverages for a new or used Kia and obtain the cheapest rates either online or from local insurance agents.

Consumers should take time to check auto insurance prices every six months since insurance rates are constantly changing. If you had the best deal on Rio insurance six months ago you can probably find a lower rate today. You can find a lot of misleading information regarding auto insurance on the internet, so I’m going to show you some good information on how to put money back in your pocket.

The most recommended method to compare car insurance company rates takes advantage of the fact most larger insurance companies participate in online systems to quote your coverage. All consumers are required to do is provide a little information such as if it has an alarm system, if the car is leased, deductibles desired, and if you went to college. That information is sent automatically to all major companies and they provide comparison quotes almost instantly.

When might I need an agent?

When choosing adequate coverage, there really is not a one size fits all plan. Each situation is unique.

Here are some questions about coverages that can aid in determining if your insurance needs may require specific advice.

  • I don’t drive much so do I pay less?
  • Does my insurance cover a custom paint job?
  • What are the financial responsibility laws in my state?
  • Should I sign the liability waiver when renting a car?
  • Can my teen drive my company car?
  • Does my 2007 Kia Rio need full coverage?
  • How do I insure my teen driver?
  • Does my liability insurance cover pulling a trailer or camper?
  • Where can I get insurance after a DUI in my state?
  • Are all vehicle passengers covered by medical payments coverage?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance policy coverages for a Kia Rio

Learning about specific coverages of car insurance can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive protection

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, damage from getting keyed, hitting a bird, fire damage and a tree branch falling on your vehicle. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for liability

Liability coverage will cover damage or injury you incur to people or other property. This insurance protects YOU against other people’s claims. 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 commonly see policy limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like loss of income, repair bills for other people’s vehicles, bail bonds and emergency aid. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Collision insurance

This coverage pays for damage to your Rio resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like sideswiping another vehicle, colliding with another moving vehicle, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Kia Rio.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits are similar to your liability insurance amounts.

Medical expense coverage

Med pay and PIP coverage provide coverage for expenses like pain medications, EMT expenses, dental work, ambulance fees and doctor visits. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage