How Much Does 2009 Kia Rio Insurance Cost?

Searching for lower car insurance rates for your Kia Rio? Are you a victim of high-priced car insurance? Trust us, there are lots of people in the same boat.

There are many auto insurance companies to buy insurance from, and although it’s a good thing to have a choice, it can be more difficult to find the lowest rates.

Insurance Coverage Prices Online

Shopping for lower insurance coverage rates can be a daunting task if you don’t utilize the fastest way to get free quotes. You can waste a few hours (or days) talking to agents in your area, or you can stay home and use the internet to get the quickest rates.

All the larger companies are enrolled in a marketplace where prospective buyers complete one form, and each participating company then returns a price quote based on that data. This eliminates the need for form submissions for each company.

To use this form to compare 2009 Kia Rio insurance rates click here (opens in new window).

The one downside to using this type of form is that consumers can’t choose the insurers you will receive quotes from. So if you prefer to pick specific insurance companies to compare rates, we put together a list of low cost insurance coverage companies in your area. Click here to view list.

Whichever way you use, ensure you are comparing exactly the same coverage limits for each comparison quote. If you have unequal deductibles or liability limits you can’t possibly determine the best price for your Kia Rio. Quoting even small variations in coverage limits may result in large price differences. And when comparison shopping, more quotes will increase your chances of finding better pricing.

Tailor your coverage to you

When it comes to buying adequate coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether you will benefit from professional help.

  • Is pleasure use cheaper than using my 2009 Kia Rio to commute?
  • Is there coverage for injuries to my pets?
  • Is my teenager covered with friends in the car?
  • Do I have coverage if my license is suspended?
  • What is the difference between comprehensive and collision coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I need rental car coverage?
  • Is my babysitter covered when using my vehicle?

If you can’t answer these questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

What auto insurance coverages do you need?

Learning about specific coverages of auto insurance can help you determine the right coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are the usual coverages offered by auto insurance companies.

Liability insurance

Liability coverage can cover injuries or damage you cause to people or other property by causing an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as medical services, medical expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses like nursing services, chiropractic care, EMT expenses, prosthetic devices and doctor visits. They are used to fill the gap from your health insurance plan or if you do not have health coverage. They cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like sideswiping another vehicle, driving through your garage door, hitting a parking meter, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like theft, fire damage, hail damage and damage from flooding. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally these limits are identical to your policy’s liability coverage.