Are you doing reasearch to find the cheapest Kia Rio insurance in Sacramento? There isn’t anyone who looks forward to paying for car insurance, especially when they are aware that the cost is way too high.
It’s hard to believe, but a large majority of consumers kept their coverage with the same car insurance company for at least four years, and 38% of customers have never even shopped around for affordable coverage. Most drivers in California could save almost $470 each year just by comparing rates, but they don’t invest the time required to find affordable insurance by shopping around.
Steps to finding better rates for Kia Rio insurance in Sacramento
If saving the most money is your goal, then the best way to get affordable Kia Rio insurance is to do an annual price comparison from different companies who provide auto insurance in Sacramento.
- First, read and learn about car insurance and the changes you can make to lower rates. Many factors that are responsible for high rates such as traffic citations, accidents, and a not-so-good credit score can be remedied by improving your driving habits or financial responsibility.
- Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO and State Farm, while agents who are independent can provide prices for a wide range of insurance providers. View prices
- Third, compare the quotes to the price on your current policy to see if cheaper Rio coverage is available. If you find better rates and decide to switch, verify that coverage does not lapse between policies.
- Fourth, provide notification to your current agent or company of your intent to cancel your current coverage and submit a signed application and payment to your new company or agent. Don’t forget to keep the new certificate of insurance above your visor, in the console, or in the glove compartment.
A valuable tip to remember is that you’ll want to make sure you compare identical coverages on every quote and and to get rate quotes from as many carriers as you can. Doing this guarantees an apples-to-apples comparison and the most accurate and complete price analysis.
Companies like Allstate and Progressive continually hit you with ads and it is challenging if not impossible to see past the corporate glitz and do the work needed to find the best deal.
If you have coverage now, you stand a good chance to be able to shop for the lowest rates using the ideas covered in this article. Finding the cheapest coverage in Sacramento can be much easier if you know how to start. But California consumers need to have an understanding of how insurance companies price online insurance and take advantage of how the system works.
The most recommended method to compare policy rates for Kia Rio insurance in Sacramento takes advantage of the fact most larger insurance companies provide online access to provide you with free rate quotes. All consumers are required to do is take a few minutes to give details like an estimate of your credit level, what you do for a living, the year, make and model of vehicles, and if it has an alarm system. That information is instantly provided to many highly-rated insurers and you receive quotes quickly.
To compare affordable Kia Rio insurance rates now, click here and complete the quick form.
The companies shown below are ready to provide comparison quotes in California. To locate the best auto insurance in Sacramento, we suggest you compare several of them to find the cheapest auto insurance rates.
Kia Rio insurance rate analysis
The coverage table displayed next covers different rate quotes for Kia Rio models. Understanding more about how policy premiums are established is important to be able to make informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rio | $188 | $394 | $480 | $28 | $144 | $1,234 | $103 |
| Rio LX | $188 | $394 | $480 | $28 | $144 | $1,234 | $103 |
| Rio SX | $216 | $464 | $480 | $28 | $144 | $1,332 | $111 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Estimates do not factor in vehicle garaging location which can revise rates significantly.
Car insurance rates based on gender
The information below compares Kia Rio insurance costs for male and female drivers. The data assumes no violations or accidents, full physical damage coverage, $500 deductibles, single marital status, and no additional discounts are factored in.
Three good reasons to insure your Kia vehicle
Even though Sacramento Rio insurance rates can get expensive, insurance is mandatory in California but it also protects more than you think.
First, just about all states have mandatory liability insurance requirements which means you are required to carry specific minimum amounts of liability protection in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you took out a loan on your car, most lenders will make it a condition of the loan that you have physical damage coverage to guarantee payment of the loan. If the policy lapses, the lender may have to buy a policy to insure your Kia at an extremely high rate and require you to reimburse them for the much more expensive policy.
Third, insurance protects not only your vehicle but also your financial assets. Insurance will pay for medical bills for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also covers legal expenses if anyone sues you for causing an accident. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance more than offset the price you pay, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer overpays as much as $865 each year so it’s recommended you shop around each time the policy renews to make sure the price is not too high.
Get lower-cost Kia Rio insurance in Sacramento with discounts
Auto insurance is expensive, but there may be some discounts that you may not even be aware of. Most are applied when you complete an application, but a few must be asked for before they will apply.
- Paperless Signup – Some auto insurance companies give back up to $50 for completing your application on the web.
- Membership in Organizations – Joining a qualifying organization is a good way to get lower rates on your next auto insurance statement.
- Discount for Multiple Policies – If you have multiple policies and insure them both with the same insurance company they may give you a discount of up to 20% off your total Rio insurance premium.
- Multiple Cars – Drivers who insure all your vehicles on one policy can get a discount on all vehicles.
- ABS Brakes – Vehicles that have anti-lock braking systems can reduce accidents and earn discounts up to 10%.
Just know that most discount credits are not given to the entire policy premium. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though you would think you can get free auto insurance, it doesn’t quite work that way. But any discount will definitely lower the amount you pay for coverage.
The illustration below compares Kia Rio annual premium costs with and without discounts being applied to the rates. The costs are based on a male driver, no violations or claims, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, multi-car, homeowner, and multi-policy discounts applied.
A few companies who may offer some of the discounts shown above include:
If you are trying to find inexpensive Sacramento auto insurance quotes, ask every insurance company which discounts you qualify for. Some discounts might not apply in every state. To view insurers who offer discounts in California, click this link.
You may need advice from an agent
Certain consumers still like to buy from a licensed agent and that is just fine! One of the benefits of price shopping on the web is the fact that you can find the best rates and still have an agent to talk to. Supporting small agencies is important especially in Sacramento.
Once you complete this short form, the coverage information is immediately sent to local insurance agents that provide free Sacramento auto insurance quotes to get your business. You don’t have to contact an agency since price quotes are sent directly to you. You can most likely find cheaper rates and work with a local agent. If you want to get a price quote from a specific company, you can always search and find their rate quote page to submit a rate quote request.
Two types of car insurance agents
If you need to find a good insurance agency, there are a couple of different types of agents that differ in how they can insure your vehicles. Insurance agencies are considered either independent or exclusive.
Independent Insurance Agencies
Agents in the independent channel are normally appointed by many insurers so they can insure your vehicles with a variety of different insurance companies and find you cheaper rates. If you are not satisfied with one company, your agent can just switch to a different company which requires no work on your part. If you are comparing rate quotes, we recommend you get some free quotes from a few independent agents to have the most options to choose from.
The following is a small list of independent insurance agencies in Sacramento that may be able to give you comparison quotes.
The United Brokers Insurance Agency Inc
7750 College Town Dr #101 – Sacramento, CA 95826 – (877) 223-4437 – View Map
Bertolino Insurance Agency
9719 Lincoln Village Dr #409 – Sacramento, CA 95827 – (916) 384-9621 – View Map
Peter S Schiro Ins Agcy Inc
1515 30th St #200 – Sacramento, CA 95816 – (916) 444-9787 – View Map
Exclusive Insurance Agents
Agents that elect to be exclusive normally can only provide a single company’s rates and some examples include State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to provide other company’s prices so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are well schooled on their products and sales techniques and that can be a competitive advantage.
Shown below is a list of exclusive agencies in Sacramento who can help you get price quote information.
Farmers Insurance – Wayne Wong
2015 Q St – Sacramento, CA 95811 – (916) 760-7858 – View Map
Brian Clark – State Farm Insurance Agent
2331 El Camino Ave – Sacramento, CA 95821 – (916) 488-2212 – View Map
Bob Spears – State Farm Insurance Agent
3110 Fulton Ave – Sacramento, CA 95821 – (916) 482-9227 – View Map
Choosing an insurance agency needs to be determined by more than just a cheap price. Some important questions to ask are:
- Are they in the agency full-time?
- Which insurance companies are they affiliated with?
- Does the company use OEM repair parts?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- If independent agents, which companies do they recommend?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
Upon getting satisfactory answers to any questions you may have as well as a price you’re happy with, you may have found an auto insurance agent that will insure your vehicles. But keep in mind you are able to cancel a policy when you choose so never assume that you are permanently stuck with your new company for the full policy term.
Auto insurance coverage specifics
Understanding the coverages of your auto insurance policy can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages found on most auto insurance policies.
Auto liability
This coverage can cover damage that occurs to a person or their property in an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 15/30/5 which stand for a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and a limit of $5,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.
Liability can pay for claims such as repair bills for other people’s vehicles, court costs, medical expenses, medical services and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible. California state minimum liability requirements are 15/30/5 but drivers should carry better liability coverage.
The next chart shows why low liability limits may not provide adequate coverage.
Comprehensive or Other Than Collision
Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as damage from getting keyed, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for doctor visits, chiropractic care, EMT expenses and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible
Auto collision coverage
Collision insurance pays for damage to your Rio from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims like rolling your car, sideswiping another vehicle, backing into a parked car and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible on your Rio to save money on collision insurance.
UM/UIM Coverage
Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Kia Rio.
Since a lot of drivers carry very low liability coverage limits (which is 15/30/5), their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages are identical to your policy’s liability coverage.
A conclusion for your car insurance search
Some car insurance companies do not provide rates over the internet and many times these smaller providers provide coverage only through independent insurance agencies. Cheaper Kia Rio insurance in Sacramento is available online and from local insurance agents, and you should compare rates from both so you have a total pricing picture.
While you’re price shopping online, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut liability coverage limits only to discover later that the small savings ended up costing them much more. Your goal should be to get the best coverage possible at the best possible price.
How to find lower priced Kia Rio insurance in Sacramento
If you want to find the absolute lowest rates, then the best way to find discount Kia Rio insurance is to start comparing prices regularly from insurance carriers who sell auto insurance in Sacramento. Rate comparisons can be done by completing these steps.
Step 1: It will benefit you to learn about the coverage provided by your policy and the measures you can take to drop your rates. Many risk factors that drive up the price like accidents, traffic violations, and poor credit history can be controlled by making minor changes in your lifestyle.
Step 2: Request price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO and State Farm, while agents who are independent can quote prices from multiple insurance companies.
Step 3: Compare the new quotes to your current policy premium to determine if you can save on Rio insurance. If you can save money and buy the policy, make sure there is no coverage gap between policies.
Step 4: Provide adequate notice to your current company of your intention to cancel your existing policy and submit a down payment along with a signed application to the new company. Don’t forget to place your new certificate of insurance along with your vehicle registration.
The key thing to know about shopping around is that you’ll want to compare the same amount of coverage on each price quote and and to get rate quotes from every company you can. Doing this helps ensure a fair price comparison and the best rate selection.
Additional detailed information is available at these sites:
- Preventing Carjacking and Theft (Insurance Information Institute)
- Who Has Cheap Auto Insurance Quotes for High Risk Drivers in Sacramento? (FAQ)
- How Much is Sacramento Car Insurance for a Jeep Wrangler? (FAQ)
- What Auto Insurance is Cheapest for Real Estate Agents in Sacramento? (FAQ)
- Airbag FAQ (iihs.org)
- Collision Coverage (Liberty Mutual)
- Prom Night Tips for Teen Drivers (State Farm)