Kia Rio Insurance Rates in Jacksonville

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Insurance for Kia RioHow long have you put off shopping around for lower-priced insurance rates in Jacksonville, FL? Jacksonville drivers have lots of choices when trying to find the best price on Kia Rio insurance. They can either spend hours driving around to get rate comparisons or save time using the internet to compare rates. There are more efficient ways to shop for insurance and you need to know the absolute fastest way to get price quotes on a Kia and locate the lowest price from both online companies and Jacksonville agents.

If you have a current insurance policy or need a new policy, you can use this information to find better prices without reducing coverage. This article's intent is to teach you how auto insurance companies operate and some money-saving tips. Vehicle owners just have to understand the quickest method to shop from many different companies online.

Companies offering Kia Rio insurance in Florida

The companies in the list below offer price comparisons in Florida. If the list has multiple companies, it's a good idea that you compare several of them to get the lowest price.

Detailed insurance information

The premium information shown next showcases detailed analysis of insurance premium costs for Kia Rio models. Understanding more about how car insurance premiums are formulated is important to be able to make smart choices when buying a car insurance policy.

Kia Rio Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $244 $552 $452 $26 $136 $1,410 $118
Rio LX $244 $552 $452 $26 $136 $1,410 $118
Rio SX $280 $650 $452 $26 $136 $1,544 $129
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Information does not factor in specific Jacksonville garaging location which can raise or lower auto insurance rates significantly.

An analysis of deductible level

One of the hardest decisions when shopping for insurance is what deductibles to buy. The premium rates below can help illustrate how much more rates are when you select higher and lower insurance deductibles. The first rate estimation uses a $250 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.

Kia Rio insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $280 $544 $472 $28 $142 $1,491 $124
Rio LX $280 $544 $472 $28 $142 $1,491 $124
Rio SX $322 $640 $472 $28 $142 $1,629 $136
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Kia Rio insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $174 $342 $472 $28 $142 $1,158 $97
Rio LX $174 $342 $472 $28 $142 $1,158 $97
Rio SX $200 $402 $472 $28 $142 $1,244 $104
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rates do not factor in Jacksonville location which can alter rates considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $29 more each month or $348 each year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 26 months between claim filings, you would most likely save money if you decide on a higher deductible. The table below illustrates an example of how this calculation is made.

Average monthly premium for $250 deductibles: $128
Average monthly premium for $1,000 deductibles (subtract): - $99
Monthly savings from raising deductible: $29
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 26 months

One big caveat is that increasing deductibles to save money results in a higher out-of-pocket expense when you do file a claim. You need enough extra savings in the event you need to pay the deductible for vehicle repair.

The diagram below shows how choosing a deductible and can change Kia Rio insurance rates for different age categories. The price estimates are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

Kia Rio insurance rates by gender

The diagram below visualizes the comparison of Kia Rio insurance prices for male and female drivers. The premiums are based on no violations or accidents, full coverage, $1,000 deductibles, single status, and no discounts are factored in.

Cost difference between full coverage and liability

The diagram below shows the difference between Kia Rio car insurance rates with liability coverage only compared to full coverage. The premiums are based on no accidents or driving violations, $100 deductibles, drivers are not married, and no policy discounts are applied.

When to eliminate full coverage

There is no specific rule of when to eliminate physical damage coverage on your policy, but there is a general guideline. If the annual cost of coverage is about 10% or more of any settlement you would receive from your insurance company, then it's probably a good time to buy liability coverage only.

For example, let's assume your Kia Rio claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $7,000 after the policy deductible has been paid. If you are paying over $700 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some circumstances where dropping physical damage coverage is not a good idea. If you haven't satisfied your loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should keep full coverage in place.

Kia Rio insurance discounts in Jacksonville

Companies don't always list every discount they offer in a way that's easy to find, so we took the time to find a few of the more common and the harder-to-find credits available to bring down your rates.

  • Discount for Life Insurance - Some car insurance companies give lower car insurance rates if you buy some life insurance in addition to your auto policy.
  • Telematics Data - People who choose to allow data collection to monitor driving patterns by installing a telematics device such as State Farm's In-Drive might see lower rates if they are good drivers.
  • Senior Citizen Rates - If you qualify as a senior citizen, you may be able to get a discount up to 10%.
  • Theft Deterrent System - Cars and trucks that have factory anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
  • Driver Training Discounts - Passing a safe driver course could save 5% or more and make you a better driver.
  • Use Seat Belts - Using a seat belt and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.

Consumers should know that most discounts do not apply to your bottom line cost. Some only reduce individual premiums such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, that's just not realistic. Any qualifying discounts will cut the premium cost.

The example below visualizes the comparison of Kia Rio car insurance rates with and without discounts applied to the premium. The prices are based on a female driver, no violations or accidents, Florida 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 safe-driver, claim-free, marriage, multi-policy, multi-car, and homeowner discounts applied.

A list of companies and some of their more popular discounts are outlined below.

  • Progressive offers discounts for continuous coverage, online quote discount, homeowner, online signing, good student, multi-policy, and multi-vehicle.
  • SAFECO may offer discounts for teen safe driver, homeowner, safe driver, drive less, bundle discounts, accident prevention training, and anti-lock brakes.
  • American Family may have discounts that include mySafetyValet, bundled insurance, multi-vehicle, Steer into Savings, good driver, and air bags.
  • MetLife has discounts for good driver, claim-free, defensive driver, accident-free, multi-policy, and good student.
  • GEICO policyholders can earn discounts including good student, daytime running lights, defensive driver, federal employee, air bags, emergency military deployment, and driver training.
  • The Hartford discounts include defensive driver, bundle, vehicle fuel type, driver training, and anti-theft.

If you need lower rates, check with each company or agent to give you their best rates. Some discounts may not apply in your state. To see a list of insurance companies that offer discounts in Florida, follow this link.

When do I need an agent's advice?

When quoting and choosing your policy for your personal vehicles, there is no one size fits all plan. Your needs are unique to you.

For example, these questions can aid in determining whether your personal situation might need professional guidance.

  • What companies insure drivers after a DUI or DWI?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is the difference between personal and commercial auto insurance policies?
  • Does every company file a SR-22 automatically?
  • Does insurance cover damages from a DUI accident?
  • What is UM/UIM insurance?
  • Am I covered if I break a side mirror?

If you don't know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form. It's fast, doesn't cost anything and may give you better protection.

Neighborhood insurance agents

Certain consumers still prefer to talk to a local agent and often times that is recommended Professional insurance agents will help you protect your assets and help file insurance claims. An additional benefit of comparing rate quotes online is that you can find lower rates but still work with a licensed agent.

Jacksonville insurance agentsAfter filling out this short form, your insurance coverage information is emailed to participating agents in Jacksonville that give free quotes for your insurance coverage. You never need to leave your house since price quotes are sent directly to you. In the event you want to get a comparison quote from a specific insurance company, don't hesitate to navigate to their website and give them your coverage information.

Finding a good insurer should include more criteria than just the bottom line cost. The questions below may impact your decision as well.

  • Do they feel the quoted coverages are adequate?
  • If independent agents, which companies do they recommend?
  • Are they in the agency full-time?
  • Does the quote include credit and driving reports?
  • How much will you save each year by using a higher deductible?

If you want to buy insurance from a local insurance agency, you need to know there are two types of agencies and how they are slightly different. Agencies in Jacksonville are categorized either exclusive agents or independent agents. Both types can do a good job, but we need to point out the subtle differences because it can influence buying decisions.

Exclusive Agencies

Agents of this type normally can only provide a single company's rates and some examples include State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents are unable to provide prices from multiple companies so they have to upsell other benefits. They are well trained on their products and sales techniques and that enables them to sell even at higher rates. Consumers often use the same exclusive agent partially due to the brand instead of buying on price only.

Shown below are exclusive agents in Jacksonville willing to provide comparison quotes.

View more Jacksonville agents

Independent Agents

These agents are not employed by any specific company so they can write business through many companies and find the cheapest insurance rates. To move your coverage to a new company, they simply switch companies in-house and you don't have to find a new agent.

If you need cheaper insurance rates, you absolutely need to get several quotes from at a minimum one independent agency in order to have the best price comparison. They also have the ability to place coverage with companies you've never heard of that may provide cheaper insurance rates.

Below is a short list of independent agencies in Jacksonville willing to provide rate quotes.

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Persistence will pay off

While you're price shopping online, don't be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped uninsured motorist or liability limits only to find out they didn't have enough coverage. Your strategy should be to find the BEST coverage at the lowest possible cost, not the least amount of coverage.

Affordable Kia Rio insurance in Jacksonville is available from both online companies and also from your neighborhood Jacksonville agents, so get free Jacksonville auto insurance quotes from both of them to get a complete price analysis. Some companies may not offer the ability to get a quote online and many times these smaller providers work with independent insurance agents.

Consumers leave their current company for many reasons like delays in responding to claim requests, not issuing a premium refund, policy cancellation and policy non-renewal. It doesn't matter what your reason, switching companies is easier than you think.

How to save money on Kia Rio insurance in Jacksonville

If saving the most money is your goal, then the best way to get more affordable Kia Rio insurance is to start doing a yearly price comparison from insurers in Jacksonville.

  • Step 1: It will benefit you to learn about how your policy works and the measures you can take to lower rates. Many policy risk factors that cause high rates such as traffic citations and an unacceptable credit history can be improved by paying attention to minor details.
  • Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like Progressive or Allstate, while independent agencies can quote rates for a wide range of companies. Start a quote
  • Step 3: Compare the price quotes to the premium of your current policy to determine if switching companies saves money. If you find better rates and switch companies, make sure coverage is continuous and does not lapse.
  • Step 4: Tell your current company to cancel your existing policy. Submit the completed application along with a down payment to your new agent or company. When you receive it, put the certificate of insurance with the vehicle registration.

One piece of advice is to try to use identical coverage information on every quote and and to compare as many companies as you can. This ensures the most accurate price comparison and the best price selection.

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