Insurance quote for Kia Rio in EvansvilleHas it been a year or more since you last compared quotes for lower-priced Kia Rio insurance in Evansville? Buying lower-cost Evansville Kia Rio insurance quotes online can be intimidating for vehicle owners who are beginners to quoting and comparing and buying insurance over the internet. With so many insurance agents and online companies, how are vehicle owners able to have time to compare the different rates to find the lowest price available?

Amazingly, about 70% of customers have remained with the same insurance company for at least four years, and just short of a majority have never shopped around. Most drivers in America can cut their rates by about 47% a year by just comparing rate quotes, but they just don't want to compare rates and save money.

It's important to do rate comparisons once or twice a year because insurance prices fluctuate regularly. If you had the lowest rate on Kia Rio insurance in Evansville on your last policy other companies may now be cheaper. There is a lot of bad advice regarding Rio insurance on the web, but in this article, you're going to get some great ways to quit paying high insurance rates in Evansville.

Cheapest companies for Kia Rio insurance

The providers in the list below offer free quotes in Indiana. If more than one company is shown, we suggest you visit two to three different companies in order to get a fair rate comparison.

Kia Rio Insurance Rates in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $210 $436 $318 $18 $94 $1,076 $90
Rio LX $132 $304 $358 $22 $108 $924 $77
Rio SX $220 $472 $326 $20 $98 $1,136 $95
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price information does not factor in specific location information which can increase or decrease coverage prices substantially.

Higher deductibles lower rates

When shopping for car insurance, a common question is how high or low should comp and collision deductibles be. The premium rates below can help show the rate difference when you buy lower versus higher deductibles. The first rate quote example uses a $100 deductible for physical damage and the second price chart uses a $1,000 deductible.

Kia Rio insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $210 $436 $318 $18 $94 $1,101 $92
Rio LX $210 $436 $318 $18 $94 $1,101 $92
Rio SX $242 $514 $318 $18 $94 $1,211 $101
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Kia Rio insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $116 $230 $318 $18 $94 $776 $65
Rio LX $116 $230 $318 $18 $94 $776 $65
Rio SX $134 $270 $318 $18 $94 $834 $70
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Price information does not factor in vehicle garaging location which can revise coverage rates greatly.

We can estimate from the data above that using a $100 deductible could cost the average driver approximately $28 more each month or $336 a year than selecting the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 32 months between claims, you would more than likely save some money going with the higher deductible.

Kia Rio insurance rates by age and gender

The example below visualizes the comparison of Kia Rio insurance prices for male and female drivers. The information is based on no claims, a clean driving record, comp and collision included, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

Drive safe and save

The information below shows how speeding tickets and at-fault accidents can impact Kia Rio car insurance costs for each different age category. The premiums assume a married male driver, full coverage, $500 deductibles, and no additional discounts are factored in.

The Kia Rio Insurance Price Equation

Consumers need to have an understanding of the factors that go into determining your car insurance rates. If you know what determines base rates, this enables you to make decisions that could help you find lower premium levels.

Don't neglect these premium slashing discounts

Not too many consumers would say car insurance is affordable, but you might find some hidden discounts that could drop your premiums quite a bit. Some discounts will apply when you get a quote, but a few must be manually applied in order for you to get them.Save money with discounts

A little disclaimer on discounts, most credits do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like you would end up receiving a 100% discount, it just doesn't work that way.

Insurance companies that possibly offer most of the discounts above include:

When comparing rates, check with each company which discounts you qualify for. Discounts may not apply in every state.

Are car insurance agents of importance?

A lot of people prefer to have an agent's advice and that is a smart decision An additional benefit of comparing rates online is that you can obtain lower rates but still work with a licensed agent.

To help locate an agent, after submitting this short form, your insurance coverage information is transmitted to companies in Evansville who will give competitive quotes for your coverage. It makes it easy because there is no need to do any legwork as quotes are delivered to you directly. You'll get the best rates and a licensed agent to talk to. If you want to get a rate quote from a specific car insurance provider, just visit that company's website and submit a quote form there.

Picking a insurance company needs to be determined by more than just the quoted price. The questions below may impact your decision as well.

If you are wanting to purchase car insurance from a reliable insurance agent, it's important to understand the types of insurance agents and how they differ in how they quote coverages. Agents can be classified as either exclusive or independent (non-exclusive).

Exclusive Agencies

Exclusive agencies normally can only provide a single company's rates and examples are Allstate, Farmers Insurance or State Farm. Exclusive agents are unable to place coverage with different providers so they really need to provide good service. These agents are usually well trained on their company's products and that can be a competitive advantage. Consumers sometimes buy from the same agent for years mainly due to the brand name rather than low price.

Shown below are Evansville exclusive insurance agencies who can help you get rate quotes.

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Independent Insurance Agents

Independent agencies are appointed with more than one company and that gives them the ability to insure through many companies and find the cheapest car insurance rates. To transfer your coverage to a different company, they simply move the coverage in-house which is easy for the insured.

When comparison shopping, you need to get insurance quotes from independent agents to ensure the widest selection of prices. They also have the ability to place coverage with smaller companies that may provide cheaper car insurance rates.

Listed below are independent agencies in Evansville that are able to give comparison quotes.

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If you feel you receive reasonable responses to all your questions as well as an affordable premium quote, it's possible that you found an insurance agency that meets your needs to insure your vehicles.

Save $448 a year. For real?

Big name companies like Progressive, GEICO, Allstate and State Farm consistently run ads on TV and radio. All the companies make the same claim that people will save if you move to their company. How does every insurance company offer you a better deal on Kia Rio insurance in Evansville? Here is how they do it.

Many companies give the best rates for the type of customer that will add to their bottom line. A good example of a desirable risk may need to be a married female, has no driving citations, and insures a new vehicle. A propective insured who fits those characteristics gets the lowest rates and will probably save a lot on Evansville Kia Rio insurance if they switch.

Potential customers who may not quite match the requirements will have to pay higher prices which usually ends up with the customer buying from someone else. The ads state "drivers that switch" not "everyone that quotes" save that much when switching. This is how companies can make those claims. Because of this risk profiling, you really need to compare rate quotes every year. It is just not possible to predict which insurance companies will provide you with the cheapest Kia Rio insurance in Evansville.

Quote. Compare. Save.

Lower-priced Kia Rio insurance in Evansville can be bought online and with local Evansville insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers don't offer internet price quotes and usually these regional insurance providers only sell through independent insurance agents.

When searching for affordable Kia Rio insurance quotes, it's a bad idea to buy poor coverage just to save money. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. Your objective should be to purchase plenty of coverage at the best possible price and still be able to protect your assets.

We just showed you many tips how you can compare Kia Rio insurance prices in Evansville. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the lowest priced insurance comes from some of the lesser-known companies.

More tips and info about insurance can be found by following these links: