2012 Kia Rio Insurance Rates

Finding better insurance prices for a Kia Rio can normally be an all-consuming task, but you can use our auto insurance buying tips and make it easy. There is a better way to compare auto insurance rates and we’ll show you the quickest way to get price quotes for your Kia and obtain the lowest possible price from local insurance agents and online providers.

It is always a good idea to compare rates quite often because prices change quite often. Even if you think you had the best deal for Rio insurance a year ago you can probably find a better price now. You can find a lot of misleading information regarding auto insurance online but I’m going to show you a bunch of ideas how to quit paying high auto insurance rates.

Auto Insurance Comparison Rates

Performing a rate comparison can be challenging if you don’t know the most efficient way to do it. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you could save time and use the web for quick rates.

Many companies belong to a marketplace that enables customers to enter their coverage request one time, and at least one company provides a quote. This saves time by eliminating quote forms to each company. To find out how much you’re overpaying now click here to open in new window.

The one disadvantage to doing it this way is that consumers can’t choose the companies you will receive quotes from. So if you want to select individual companies to compare rates, we put together a list of auto insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but double check that you are using identical quote information for each price quote. If each company quotes different values for each quote it will be impossible to determine the lowest rate for your Kia Rio.

Everyone needs different coverages

When choosing the right insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine if you will benefit from professional help.

  • Am I insured when driving a different vehicle?
  • Do I have coverage for damage caused while driving under the influence?
  • Does my liability insurance cover pulling a trailer or camper?
  • How can I find cheaper teen driver insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • Exactly who is provided coverage by my policy?
  • Am I covered when driving a rental car?
  • Is a blown tire covered by insurance?
  • Do I have coverage if my license is suspended?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Learn about insurance coverages for a Kia Rio

Knowing the specifics of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverage protection

This covers damage to your Rio from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with another moving vehicle, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2012 Kia Rio.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage

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 insurance covers claims such as vandalism, hitting a deer, rock chips in glass, fire damage and a broken windshield. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for immediate expenses like surgery, EMT expenses, ambulance fees, chiropractic care and nursing services. They are often used to fill the gap from your health insurance program 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 is not universally available and gives slightly broader coverage than med pay

Liability car insurance

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

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like repair bills for other people’s vehicles, bail bonds, medical expenses, loss of income and legal defense fees. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.