Save Money on Kia Rio Insurance in San Antonio

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Insurance for Kia RioWant to learn how to save money and find lower-priced Kia Rio insurance in San Antonio? No sane person enjoys paying for car insurance, especially when they are aware that the prices are way too high.

Unbelievable but true according to a study most car insurance policyholders have bought car insurance from the same company for well over three years, and almost 40% of drivers have never quoted rates to find cheaper coverage. San Antonio drivers could pocket approximately 70% a year by just comparing rate quotes, but they don't want to spend time to compare rates.

Numerous auto insurance companies battle to insure your vehicles, so it's not easy to compare every insurer to find the absolute lowest rate on Kia Rio insurance in San Antonio.

The best way to get policy rate comparisons for Kia Rio insurance in San Antonio is to realize almost all companies actually pay money for the chance to compare their rates. The only thing you need to do is give them some information including the make and model of your vehicles, if your license is active, what your job is, and if you lease or own. That information is instantly submitted to insurance carriers in your area and they respond with quotes within a short period of time.

To get price quotes for your car now, click here and find out if you can get cheaper insurance in San Antonio.

The companies shown below have been selected to offer quotes in Texas. If multiple providers are shown, it's highly recommended you click on several of them in order to find the most affordable rates.

These discounts can lower your car insurance quotes

Car insurance is expensive, but there could be significant discounts to help offset the cost. Many of these discounts will be applied automatically when you purchase, but occasionally some discounts must be inquired about before you get the savings.Discount car insurance

  • One Accident Forgiven - This one is not really a discount per se, but certain companies may permit one accident before your rates go up so long as you are claim-free for a particular time prior to the accident.
  • Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase some life insurance too.
  • Online Discount - A handful of insurance companies will give a small break simply for signing on the internet.
  • Discounts for Federal Employees - Being employed by or retired from a federal job may qualify for a discount when you quote San Antonio car insurance depending on your company.
  • Save with a New Car - Adding a new car to your policy can save up to 30% because new model year vehicles keep occupants safer.
  • Early Payment Discounts - If paying your policy premium upfront rather than paying in monthly installments you may reduce your total bill.

Please keep in mind that most discounts do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you aren't that lucky.

The diagram below illustrates the comparison of Kia Rio car insurance rates with and without discounts. The rates are based on a male driver, no violations or accidents, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, safe-driver, marriage, homeowner, and multi-car discounts applied.

Auto insurance companies that may offer policyholders some of the above discounts are:

Before you buy a policy, ask every company the best way to save money. Some of the discounts discussed earlier might not apply everywhere. If you would like to see a list of insurance companies with discount car insurance rates in San Antonio, click here to view.

Kia Rio coverage statistics

The premium information displayed next showcases a range of insurance rates for Kia Rio models. Learning how rate quotes are figured can help drivers make smart choices when buying a car insurance policy.

Kia Rio Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $200 $422 $414 $24 $124 $1,184 $99
Rio LX $200 $422 $414 $24 $124 $1,184 $99
Rio SX $230 $496 $414 $24 $124 $1,288 $107
Get Your Own Custom Quote Go

Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rates do not factor in San Antonio location which can increase or decrease premiums greatly.

Choosing deductibles

The hardest decision when buying coverage is which deductible level should you buy. The comparisons below can help you understand the differences in price when you buy lower versus higher physical damage deductibles. The first table uses a $100 physical damage deductible and the second price grid uses a $1,000 deductible.

Kia Rio insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $286 $592 $430 $26 $128 $1,487 $124
Rio LX $286 $592 $430 $26 $128 $1,487 $124
Rio SX $328 $698 $430 $26 $128 $1,635 $136
Get Your Own Custom Quote Go
Kia Rio insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $158 $312 $430 $26 $128 $1,054 $88
Rio LX $158 $312 $430 $26 $128 $1,054 $88
Rio SX $182 $368 $430 $26 $128 $1,134 $95
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rate quotes do not factor in San Antonio location which can raise or lower prices noticeably.

Based on these figures, using a $100 deductible will cost you about $38 more each month or $456 a year than selecting the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 24 months between claim filings, you would probably be better off if you opt for a higher deductible.

The information below demonstrates how deductible levels and can affect Kia Rio insurance premiums for each different age group. The price estimates are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.

Kia Rio insurance costs by age and gender

The chart below shows the difference between Kia Rio insurance costs for male and female drivers. The premium estimates are based on a clean driving record, no at-fault accidents, comp and collision included, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

Comparison of full coverage and liability-only policies

The illustration below shows the difference between Kia Rio insurance rates when comparing full coverage to liability only. The rates are based on no claims or driving citations, $1,000 deductibles, drivers are single, and no other discounts are factored in.

When to stop paying for full coverage

There is no exact formula that works best for making the decision to drop physical damage coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let's assume your Kia Rio replacement value is $4,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $3,000 after the deductible is paid. If you are paying more than $300 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some circumstances where eliminating full coverage is not a good idea. If you have an outstanding loan on your vehicle, you are required to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage.

Local San Antonio insurance agents

Certain consumers prefer to sit down with an agent and often times that is recommended One of the best bonuses of comparing insurance online is you may find the lowest rates and still have a local agent. Buying insurance from local insurance agencies is especially important in San Antonio.

For easy comparison, once you complete this quick form, your insurance coverage information is immediately sent to insurance agents in San Antonio who can give free rate quotes for your insurance coverage. It's much easier because you don't need to visit any agencies since price quotes are sent to the email address you provide. You can find lower rates AND a local agent. If you want to get a price quote from a particular provider, you can always navigate to their website and fill out the quote form the provide.

Below is a list of auto insurance companies in San Antonio that can give you rate quotes for Kia Rio insurance in San Antonio.


800 Isom Rd # 100 - San Antonio, TX 78216 - (210) 366-5094 - View Map


5890 De Zavala Rd Ste 105 - San Antonio, TX 78249 - (210) 615-7898 - View Map


3029 S WW White Rd - San Antonio, TX 78222 - (210) 337-1786 - View Map


10103 TX-1604 Loop #102 - San Antonio, TX 78254 - (210) 688-7707 - View Map

More insurance agents

Selecting an provider is decision based upon more than just the price. The following questions are important to ask.

  • Are there any discounts for paying up front?
  • How long has their agency been open in San Antonio?
  • Do they prorate repair cost based on vehicle mileage?
  • Where would your vehicle be repaired?
  • Did they already check your driving record and credit reports?
  • Do they write coverage based solely on cost?

If you get good feedback to your questions in addition to an acceptable price estimate, you have narrowed it down to an insurance company that meets your needs to service your policy. Just understand that it's your policy and you can terminate coverage for any reason so never feel you're contractually obligated to your new company with no way out.

You Can Change Your Insurance Rates

Many different elements are used when you get your auto insurance bill. Some factors are common sense such as your driving history, although some other factors are more transparent like your vehicle usage and annual miles driven.

High credit rating translates to low premiums - A driver's credit score is a large factor in your rate calculation. So if your credit could use some work, you could be paying less to insure your Kia Rio by improving your credit score. Insureds with excellent credit scores tend to be less risk to insure than those with bad credit.

Insurance is expensive for younger drivers - Young drivers in Texas are statistically shown to be careless and easily distracted behind the wheel so they pay higher car insurance rates. Adding a first-time driver to your policy can increase premiums substantially. More mature drivers are proven to be safer behind the wheel, cost insurance companies less in claims, and tend to be get fewer driving tickets.

The data below assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.

Premiums increase with driving tickets - Good drivers get better rates as compared to those with violations. Even a single moving violation can boost insurance rates by as much as twenty percent. People who have serious citations such as reckless driving or DUI may be required to complete a SR-22 with their state DMV in order to prevent a license revocation.

The diagram below demonstrates how citations and at-fault collisions can impact Kia Rio insurance premiums for different age groups. The rate quotes are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

Decrease rates by maintaining coverage - Not having insurance can get you a ticket and your next policy will cost more because you let your insurance expire. Not only will rates go up, getting caught without coverage might get you a license revocation or jail time.

Companies want multiple policies - Some companies will give a discount to people who consolidate policies with them in the form of a multi-policy discount. Even if you qualify for this discount already, you still need to get quotes from other companies to verify if the discount is saving money. You may still be able to save money by insuring with multiple companies.

Lower premiums for safer vehicles - Safer cars are cheaper to insure. Vehicles built for safety reduce occupant injuries and fewer serious injuries translates into savings for insurance companies and more competitive rates for policyholders. If your Kia Rio earned at least an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.

Costs are affected by your address - Residing in less populated areas may provide you with better prices when it comes to car insurance. Drivers in populated areas have to deal with more road rage incidents and more time behind the wheel. Less people living in that area translates into fewer accident claims as well as less vandalism and auto theft.

Is your vehicle theft-ready? - Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart your car from being stolen.

Loss statistics for a Kia Rio - Companies analyze the history of losses in order to profitably underwrite each model. Vehicles that the data determines to have higher claim amounts or frequency will have a higher cost to insure.

The next table shows the loss history for Kia Rio vehicles. For each insurance policy coverage type, the loss probability for all vehicles averaged together is a value of 100. Percentage values below 100 mean the vehicle has better than average losses, while values that are above 100 indicate frequent claims or larger claims.

Kia Rio Insurance Loss Statistics
Specific Kia Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Kia Rio 90 109 81 141 158 127
BETTER
AVERAGE
WORSE

Statistics from IIHS.org for 2013-2015 Model Years

Buying the right vehicle insurance in Texas is an important decision

Despite the high cost, car insurance is a good idea for several reasons.

  • Almost all states have mandatory liability insurance requirements which means the state requires specific minimum amounts of liability insurance coverage if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you took out a loan on your vehicle, it's most likely the lender will have a requirement that you have full coverage to protect their interest in the vehicle. If you do not keep the policy in force, the bank will be required to insure your Kia at a much higher premium rate and force you to pay for it.
  • Insurance safeguards both your assets and your vehicle. It will also reimburse you for medical transport and hospital expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense in the event you are sued. If you have damage to your Kia as the result of the weather or an accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.

The benefits of having insurance greatly outweigh the cost, particularly if you ever have a claim. According to a recent study, the average American driver is currently overpaying as much as $865 each year so compare rate quotes once a year at a minimum to make sure the price is not too high.

Frequent quotes can save

When searching for cheaper San Antonio car insurance quotes, don't be tempted to buy less coverage just to save a little money. In many cases, drivers have reduced comprehensive coverage or liability limits to discover at claim time that it was a big error on their part. Your strategy should be to purchase plenty of coverage at the best price while still protecting your assets.

The cheapest Kia Rio insurance in San Antonio can be bought on the web and from local agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies do not offer internet price quotes and most of the time these smaller companies only sell through local independent agents.

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