Auto Insurance Quotes for a Kia Rio in Cleveland

It’s a known fact that car insurance companies don’t want policyholders to shop around. People who get price quotes annually are very likely to switch companies because the odds are good of finding a policy with more affordable rates. A study showed that consumers who regularly shopped around saved approximately $860 a year compared to people who never compared prices.

If finding the best price on auto insurance is your goal, then having a good understanding the best ways to find and compare insurance coverage can save time and make the process easier.

The preferred way to find the cheapest price for Kia Rio insurance is to compare prices at least once a year from providers that sell auto insurance in Cleveland. Price quotes can be compared by following these steps.

1. Get an understanding of the coverage provided by your policy and the modifications you can make to keep rates low. Many policy risk factors that drive up the price like distracted driving and an unacceptable credit rating can be eliminated by making minor driving habit or lifestyle changes.
2. Get rate quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from a single company like GEICO and Allstate, while independent agencies can quote rates from many different companies.
3. Compare the new rate quotes to the price on your current policy and see if you can save money. If you find a lower rate quote and change companies, make sure there is no lapse between the expiration of your current policy and the new one.

One piece of advice is to make sure you’re comparing identical limits and deductibles on every quote and and to get quotes from every company you can. This guarantees a level playing field and plenty of rates choose from.

Coverage information

The premium table below showcases different insurance policy prices for Kia Rio models. Having a good grasp of how insurance quotes are calculated is important for making smart choices when choosing a car insurance company.

Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Price information does not factor in Cleveland location which can decrease or increase prices substantially.

Insurance deductibles

When buying insurance, a common question is which comprehensive and collision deductibles to buy. The rates shown below help summarize how much more rates are when you buy lower versus higher physical damage deductibles. The first rate estimation uses a $250 deductible for comp and collision and the second data table uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in specific location information which can change price quotes noticeably.

Based on the figures above, using a $250 deductible will cost you approximately $17 more each month or $204 a year than opting for the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 44 months between claim filings, you would save more money if you elect the higher deductible.

The information below demonstrates how deductibles and can raise or lower Kia Rio insurance rates for different insured age categories. The data assumes a single male driver, comp and collision included, and no discounts are factored in.

Car insurance policy discounts for Kia Rio insurance in Cleveland

The cost of insuring your cars can be expensive, but you might be missing out on some discounts that could drop your premiums quite a bit. Some of these discounts will be visible at the time you complete a quote, but some must be manually applied prior to receiving the credit.

• New Car Discount – Insuring a new Rio can be considerably cheaper due to better safety requirements for new model year vehicles.
• Telematics Discount – Drivers who elect to allow their company to analyze their driving habits by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if their driving habits are good.
• Mature Driver Discount – Drivers that qualify as senior citizens could receive reduced rates.
• Anti-theft System – Cars and trucks that have factory anti-theft systems can help prevent theft so companies will give you a small discount.
• Discount for Good Grades – Maintaining excellent grades can be rewarded with saving of up to 25%. You can use this discount normally up to age 25.
• Resident Student – Children who are enrolled in higher education away from home and leave their car at home may qualify for this discount.
• No Claims – Drivers with accident-free driving histories pay less as opposed to drivers who are more careless.
• Safety Course Discount – Taking time to complete a course that instructs on driving safety could save 5% or more and also improve your driving technique.
• Pay Upfront and Save – By making one initial payment rather than paying monthly you may have a lower total premium amount.
• Switch and Save Discount – A few larger companies allow discounts for signing up before your current expiration date. You could save around 10% when you buy Cleveland car insurance online.

Policy discounts save money, but most discount credits are not given to the whole policy. Most only reduce the cost of specific coverages such as comp or med pay. So when the math indicates you can get free auto insurance, it doesn’t quite work that way. But any discount will definitely lower your policy premiums.

The information below compares Kia Rio car insurance costs with and without discounts applied to the policy rates. The data is based on a female driver, no claims or driving citations, Ohio state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, claim-free, marriage, homeowner, and multi-car discounts applied.

A few popular companies and a selection of discounts can be found below.

• State Farm policyholders can earn discounts including multiple policy, defensive driving training, good student, student away at school, good driver, passive restraint, and Steer Clear safe driver discount.
• Esurance may offer discounts for anti-lock brakes, online shopper, renters, Switch & Save, anti-theft, and online quote.
• Progressive offers discounts for online quote discount, good student, continuous coverage, multi-vehicle, multi-policy, online signing, and homeowner.
• Liberty Mutual has savings for new vehicle discount, teen driver discount, hybrid vehicle, multi-policy, and multi-car.
• Auto-Owners Insurance may have discounts that include multiple vehicles, anti-lock brakes, anti-theft, air bags, and good student.
• GEICO discounts include military active duty, multi-policy, membership and employees, defensive driver, federal employee, and five-year accident-free.

Before purchasing a policy, check with each insurance company which discounts you may be entitled to. Depending on the company, some discounts may not apply to policyholders in your area.

Insurance policy coverages for a Kia Rio

Having a good grasp of your policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. These are the usual coverages found on the average insurance policy.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills for dental work, chiropractic care, doctor visits, ambulance fees and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Kia Rio.

Since a lot of drivers only purchase the least amount of liability that is required (25/50/25 in Ohio), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, hitting a deer, vandalism and rock chips in glass. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability

Liability coverage will cover injuries or damage you cause to a person or their property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as medical services, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible. Ohio requires minimum liability limits of 25/50/25 but you should consider buying more coverage.

The next chart demonstrates why buying minimum limits may not be enough.

Collision coverage protection

This pays for damage to your Rio resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like driving through your garage door, crashing into a ditch, damaging your car on a curb, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible on your Rio to save money on collision insurance.

What is the best auto insurance company in Cleveland?

Insuring your vehicle with a high-quality auto insurance company is hard considering how many companies there are to choose from in Cleveland. The ranking data listed below may help you decide which car insurance companies to look at when shopping your coverage around.

Top 10 Cleveland Car Insurance Companies by A.M. Best Rank

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Titan Insurance – A+
6. Progressive – A+
7. Erie Insurance – A+
8. Mercury Insurance – A+
9. The Hartford – A+
10. Nationwide – A+

Top 10 Cleveland Car Insurance Companies Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. AAA Insurance
7. GEICO
8. Safeco Insurance
9. Mercury Insurance
10. Esurance

Cover all your bases

Some companies don’t offer online quoting and many times these regional carriers only sell through local independent agents. Discount Kia Rio insurance can be found from both online companies and with local Cleveland insurance agents, and you need to price shop both to have the best chance of lowering rates.

You just read a lot of techniques to lower your Kia Rio insurance car insurance rates in Cleveland. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Consumers may even find the lowest car insurance rates are with a lesser-known regional company. Some small companies may only write in your state and offer lower premium rates compared to the large companies like Allstate, GEICO and Progressive.

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