Best Tips to Save When Insurance Shopping for Your Kia Rio in Las Vegas

Locating low-cost insurance for your Kia Rio in Nevada can normally be an all-consuming task, but you can learn our car insurance buying tips to save time. There are both good and bad ways to compare car insurance rates so you’re going to learn the absolute fastest way to compare rates for your Kia and find the lowest possible price either online or from Las Vegas insurance agents.

It’s a good habit to compare prices yearly since insurance rates change quite often. Despite the fact that you may have had the best rates on Rio insurance on your last policy there may be better deals available now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the best methods to eliminate unnecessary coverages and save money.

Lower rates by qualifying for discounts

Companies don’t always advertise all available discounts very well, so we break down both the well known and the more hidden ways to save on car insurance.

  • One Accident Forgiven – A handful of insurance companies will allow you to have one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
  • Accident Free – Drivers with accident-free driving histories can save substantially when compared with bad drivers.
  • Multiple Vehicles – Buying insurance for multiple vehicles with the same company could earn a price break for each car.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get a small decrease in premiums on Rio insurance.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Air Bag Discount – Cars that have air bags or motorized seat belts can receive discounts of 20% or more.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way.

For a list of providers with the best car insurance discounts in Nevada, click here to view.

Compare Quotes for Las Vegas Car Insurance

Performing a rate comparison can be a daunting task if you don’t understand the fastest way to get free quotes. You could spend your day driving to insurance companies in Las Vegas, or you can stay home and use online quoting for quick rates.

Most of the best insurance companies belong to an insurance system that allows shoppers to complete one form, and each participating company can give them a price based on that data. This system prevents you from having to do quotation requests for each company.

To get comparison pricing now click to open in new window.

One minor caviat to using this type of system is that you can’t choose the companies to receive prices from. So if you prefer to pick from a list of companies to compare rates, we have a listing of car insurance companies in Nevada. Click here to view list.Auto insurance in Las Vegas

However you get your quotes, make sure you use identical coverage limits and deductibles with each company. If each company quotes different values for each quote it will be next to impossible to truly determine the lowest rate in Las Vegas. Quoting even small variations in limits may result in large price differences. Keep in mind that quoting more will improve the odds of getting the best offered rates.

What determines your Kia Rio insurance premium

Smart consumers have a good feel for the different types of things that come into play when calculating car insurance rates. Understanding what determines base rates enables informed choices that will entitle you to big savings.

  • Tickets mean higher rates – Your driving citation history has a big impact on rates. Drivers with clean records receive lower rates than their less careful counterparts. Even one moving violation may increase your cost by twenty percent. Drivers who have dangerous citations like hit and run, DWI or reckless driving convictions may need to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
  • Adjust deductibles and save – Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Kia. Some instances where coverage would apply are collision with another vehicle, collision with an animal, and windstorm damage. The deductibles are how much you are willing to pay out-of-pocket in the event of a claim. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance on Rio insurance.
  • Bundling policies can get discounts – Some insurers will award you with lower prices to insureds who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even if you’re getting this discount you may still want to shop around to confirm you are receiving the best rates possible.
  • Liability coverage protects you – Liability coverage provides coverage if ever you are found liable for personal injury or accident damage. It provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp.
  • High crash test scores lower rates – Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles have better occupant injury protection and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If your Kia has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.

Do I need a local agent?

Some consumers would rather buy from a licensed agent and there is nothing wrong with that. The biggest benefit of getting online price quotes is you can get lower rates but also keep your business local.

After filling out this short form, your information is submitted to local insurance agents who will compete for your insurance coverage. You never need to leave your computer since price quotes are sent immediately to your email address. It doesn’t get any easier! You can find the lowest rates without the usual hassles of price shopping.

Selecting an provider should depend on more than just a low price. Ask your prospective agent these questions:

  • Is the agency involved in supporting local community causes?
  • How long have they worked with personal auto insurance coverage?
  • Are you getting all the discounts the company offers?
  • Does the agency provide any after hours assistance?
  • Is working in the agency their full-time job?
  • What will you get paid if your car is a total loss? How is that amount determined?

If you want to view a list of agents in Las Vegas to contact, please view this page.

Upon receiving positive feedback and a good coverage price, you’ve probably found an insurer that is a good match to properly insure your vehicles.

Do drivers who switch really save?

Car insurance companies such as Allstate and Progressive constantly bombard you with ads on TV and radio. They all seem to make the same claim about savings if you switch to them. How can each company say the same thing?

All the different companies can use profiling for the type of driver that is profitable for them. An example of a profitable customer might be a mature driver, has no tickets, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications is entitled to the best price and therefore will save a lot of money.

cheapest Rio insurance

Drivers who don’t qualify for the “perfect” profile will be quoted a higher premium and ends up with business not being written. The ad wording is “drivers who switch” not “people who quote” save that much. That’s the way insurance companies can confidently state the savings. This emphasizes why drivers should quote coverage with many companies. It’s not possible to predict which insurance companies will provide you with the cheapest rates.

One last thing

Cheaper Kia Rio insurance can be found both online and with local Las Vegas insurance agents, so you should compare both so you have a total pricing picture. Some companies do not offer online price quotes and these smaller companies work with independent agents.

While you’re price shopping online, it’s a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced uninsured motorist or liability limits only to find out they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage at a price you can afford.

People who switch companies do it for a number of reasons such as poor customer service, not issuing a premium refund, delays in responding to claim requests or unfair underwriting practices. Regardless of your reason for switching companies, finding a new car insurance company can be pretty painless.

Even more information is located at the Nevada Division of Insurance website. Nevada drivers can find out which companies have the most complaints, view a list of available companies, and read enforcement actions against agents and companies.