Cheapest Insurance for a Kia Rio in Greensboro

Unbelievable but true according to a study almost 70% of insureds in North Carolina kept buying from the same company for more than four years, and nearly 40% of drivers have never taken the time to shop around. Most drivers in the U.S. could cut their rates by up to $850 a year just by comparing rates, but most just don’t grasp how much savings they would realize if they switched to a cheaper policy.

Discount Kia Rio insuranceThe best way we recommend to get affordable Kia Rio insurance is to regularly compare quotes from companies who provide auto insurance in Greensboro.

An essential thing to point out is to use the same physical damage deductibles and liability limits on each quote request and and to get quotes from every insurance company. Doing this enables the most accurate price comparison and maximum price selection.

We hope to teach you how car insurance companies work and some tips to save money. If you have a current insurance policy, you will be able to buy cheaper insurance using the concepts covered in this article. Smart buyers just have to understand the quickest way to buy insurance instantly.

Low Cost companies for Kia Rio insurance in North Carolina

The companies shown below have been selected to offer free quotes in Greensboro, NC. To find the best auto insurance in Greensboro, NC, it’s a good idea that you visit several of them to get the most competitive price.

Auto insurance statistics and figures

The coverage information displayed below highlights different rate quotes for Kia Rio models. Having a better understanding of how prices are established is important for drivers to make smart choices when buying a policy.

Kia Rio Insurance Rates in Greensboro, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $192 $324 $368 $22 $110 $1,016 $85
Rio LX $192 $324 $368 $22 $110 $1,016 $85
Rio SX $220 $382 $368 $22 $110 $1,102 $92
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate information does not factor in vehicle garaging location which can modify coverage prices noticeably.

Difference between full coverage and liability only rates

The diagram below compares Kia Rio auto insurance costs with full coverage compared to only the North Carolina minimum liability coverage. The data is based on no violations or accidents, $500 deductibles, drivers are single, and no discounts are applied to the premium.

Are you wasting money paying for full coverage?

There is no clear-cut rule to delete physical damage insurance, but there is a guideline you can consider. If the yearly cost of full coverage is more than around 10% of any settlement you would receive from your insurance company, then you might consider buying liability only.

For example, let’s say your Kia Rio book value is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $4,000 after paying the physical damage deductible. If it’s costing in excess of $400 annually to have full coverage, then it might be time to consider dropping full coverage.

There are a few situations where removing full coverage is not in your best interest. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Kia Rio Insurance Rates Can Be Lower

Many things are considered when you get your auto insurance bill. Most are fairly basic like your driving record, but other criteria are not quite as obvious like your vehicle usage or your commute time.

Save money with these premium slashing discounts

Insuring your fleet can be pricey, but there are discounts available that could drop your premiums quite a bit. Some discounts apply automatically at quote time, but occasionally some discounts must be inquired about prior to receiving the credit.Save money with discounts

One last thing about discounts, many deductions do not apply to the whole policy. Some only reduce individual premiums such as comp or med pay. So even though you would think you would end up receiving a 100% discount, you aren’t that lucky.

The chart below shows the comparison of Kia Rio auto insurance rates with and without discounts applied. The rate quotes are based on a female driver, no tickets, no at-fault accidents, North Carolina state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, claim-free, safe-driver, and marriage discounts applied.

A list of insurance companies and some of the discounts are shown below.

When comparing rates, check with every prospective company how you can save money. A few discounts might not be offered in your area.

Exclusive or independent car insurance agents

Some people just want to buy from a licensed agent and that is just fine! Good insurance agents will help you protect your assets and give you someone to call. One of the great benefits of comparing rates online is that you can obtain better rates and still buy from a local agent. Buying from local insurance agents is still important in Greensboro.

Insurance agency in GreensboroFor easy comparison, once you complete this quick form, the quote information is submitted to agents in your area who will return price quotes for your auto insurance coverage. There is no reason to find an agent because quoted prices will be sent instantly to you. In the event you want to get a comparison quote from a specific insurance company, feel free to jump over to their website and submit a quote form there.

Deciding on an company requires you to look at more than just the quoted price. A good agent in Greensboro will have answers to these questions.

You are unique and your car insurance should be too

Keep in mind that when it comes to choosing a policy, there really is no “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply.Higher deductibles save money
These are some specific questions could help you determine if you will benefit from professional help.

If you’re not sure about those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Quote. Compare. Save.

As you prepare to switch companies, don’t be tempted to skimp on coverage in order to save money. There have been many cases where drivers have reduced liability coverage limits only to find out that the savings was not a smart move. Your aim should be to get the best coverage possible for the lowest cost, not the least amount of coverage.

We’ve covered a lot of ways to shop for Kia Rio insurance online. The most important thing to understand is the more you quote Greensboro auto insurance, the better likelihood of getting the cheapest Kia Rio rate quotes. Drivers may even discover the biggest savings come from an unexpected company. These companies may cover specific market segments cheaper compared to the large companies like GEICO and State Farm.

Much more information about car insurance in North Carolina can be found on the following sites: