Searching for low-cost insurance for your Kia Rio in Nevada can be difficult, but you can follow the following methods to make it easier.
There is a right way and a wrong way to find insurance online so we’re going to tell you the absolute fastest way to compare rates on a Kia and find the lowest price.
Unthinkable but true, nearly 70% of consumers kept their coverage with the same insurance company for a minimum of four years, and approximately 40% of consumers have never shopped around. Consumers in America could save $850 each year, but they don’t believe the large savings they would see if they swap their current policy for a cheaper one.
Comparing quotes for affordable auto insurance coverage in Henderson is easy if you know what you’re doing. If you have insurance now or want to find a cheaper company, use these tips to cut your premiums while maintaining coverages. Consumers just have to understand the most efficient way to compare price quotes online.
Low Cost Kia insurance rates in Henderson
The companies shown below are our best choices to provide free rate quotes in Nevada. In order to find the cheapest auto insurance in NV, we suggest you visit as many as you can to get a more complete price comparison.
Rates and statistics
The data table displayed next highlights estimates of insurance coverage prices for Kia Rio models. Learning as much as possible about how auto insurance premiums are calculated can assist in making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rio | $198 | $470 | $394 | $24 | $118 | $1,204 | $100 |
| Rio LX | $198 | $470 | $394 | $24 | $118 | $1,204 | $100 |
| Rio SX | $228 | $554 | $394 | $24 | $118 | $1,318 | $110 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Information does not factor in garaging location in Henderson which can alter premium rates greatly.
Drive safe and save
The chart below shows how traffic citations and accident claims can impact Kia Rio premium costs for each age group. The prices are based on a married male driver, comp and collision included, $500 deductibles, and no other discounts are factored in.
Six Things That Determine Your Insurance Prices
Multiple criteria are taken into consideration when premium rates are determined. Some of the criteria are obvious like your driving record, but others are less apparent such as whether you are married or your commute time. Consumers need to have an understanding of the different types of things that play a part in calculating the price you pay for auto insurance. If you know what positively or negatively impacts your premiums, this allows you to make good choices that could help you find lower rates.
The following are a few of the “ingredients” used by your company to calculate your rate level.
Lower auto insurance rates with alarms and GPS tracking – Selecting a car model that has a built-in theft deterrent system can help lower your rates. Systems that thwart thieves such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent vehicle theft.
Poor credit history equals high prices – Having a good credit score will be a significant factor in your rate calculation. Drivers with good credit tend to be better drivers and file fewer claims than drivers with worse credit. Therefore, if your credit is low, you could potentially save money when insuring your Kia Rio by repairing your credit.
Always keep your auto insurance policy in place – Not having insurance is illegal and auto insurance companies will penalize you for letting your coverage cancel without a new policy in place. Not only will rates go up, not being able to provide proof of insurance could earn you a license revocation or jail time.
More performance means more cost – The make and model of the car you are trying to find cheaper insurance for makes a substantial difference in your car insurance bill. The most favorable rates will generally be found on small economy passenger cars, but your final cost has many other factors.
The next chart assumes a single male driver age 50, full coverage with $250 deductibles, and no discounts or violations. The chart compares Kia Rio insurance rates compared to other vehicles that have a range of performance rating factors.
Don’t cut corners with liability insurance – Liability insurance will provide protection in the event that you are found liable for physical damage or personal injury to other. This coverage provides for a legal defense to defend your case. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should carry high limits.
How your age affects prices – Older insureds are more responsible, tend to file fewer claims, and are generally more financially stable. Beginning drivers are statistically proven to be inattentive behind the wheel therefore auto insurance rates are much higher.
The data below is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.
Insurance losses for a Kia Rio – Insurance companies analyze historical claim data to help calculate premium rates. Vehicles that historically have a trend towards higher claims will have higher rates. The table below illustrates the insurance loss data used by companies for Kia Rio vehicles.
For each coverage category, the loss probability for all vehicles as a whole is represented as 100. Values that are under 100 indicate better than average losses, while values over 100 point to more claims or an increased probability of a larger loss.
| Specific Kia Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Kia Rio | 90 | 109 | 81 | 141 | 158 | 127 |
Statistics from IIHS.org for 2013-2015 Model Years
Slash your insurance rates with discounts
Some companies don’t necessarily list every available discount in a way that’s easy to find, so the next list breaks down both the well known and the harder-to-find savings tricks you should be using when you buy Henderson auto insurance online.
- Safe Driver Discounts – Insureds without accidents can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it can save substantially.
- Good Student – Excelling in school can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.
- New Car Discount – Buying insurance coverage on a new vehicle may earn a small discount since new vehicles are generally safer.
- Senior Citizen Discount – Drivers that qualify as senior citizens could receive a small decrease in premiums.
- Safety Course Discount – Passing a course teaching defensive driver skills may get you a small discount and easily recoup the cost of the course.
Consumers should know that many deductions do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like you could get a free insurance policy, it’s just not the way it works.
The example below shows the difference between Kia Rio insurance prices with and without discounts. The data is based on a female driver, no accidents, no driving violations, Nevada state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, marriage, multi-policy, safe-driver, and multi-car discounts applied.
Larger insurance companies and some of the premium reductions they offer are outlined below.
- State Farm offers premium reductions for accident-free, Drive Safe & Save, good driver, student away at school, and Steer Clear safe driver discount.
- GEICO has savings for multi-vehicle, membership and employees, federal employee, defensive driver, seat belt use, and multi-policy.
- SAFECO has discounts for drive less, teen safety rewards, bundle discounts, multi-car, safe driver, and homeowner.
- Farmers Insurance discounts include good student, business and professional, youthful driver, homeowner, multi-car, bundle discounts, and mature driver.
- AAA includes discounts for good student, anti-theft, pay-in-full, AAA membership discount, and multi-policy.
- USAA policyholders can earn discounts including new vehicle, multi-vehicle, defensive driver, driver training, military installation, safe driver, and multi-policy.
If you need lower rates, check with each company which discounts can lower your rates. Depending on the company, some discounts might not be offered on policies in your state.
Do I need an insurance agency?
A small number of people still like to visit with an insurance agent. Most agents can help determine the best coverages and help you file claims. A good thing about comparing insurance prices online is the fact that drivers can get lower rates and still buy from a local agent. Buying from and supporting small agencies is still important in Henderson.
Once you complete this simple form, your insurance coverage information is sent to local insurance agents that give free quotes for your business. You won’t need to find an agent since price quotes are sent directly to your email. In the event you want to compare prices from one company in particular, you can always navigate to their website and give them your coverage information.
Choose the right car insurance agent
If you are wanting to purchase auto insurance from a local insurance agency, there are two different types of agents and how they function. Agents may be either independent or exclusive. Either one can insure your vehicles, but it’s worth mentioning the differences because it can influence the selection process.
Independent Agents
These agents often have affiliation with several companies so they can quote policies with lots of companies enabling the ability to shop coverage around. To move your coverage to a new company, your policy is moved internally which is easy for the insured.
When comparing auto insurance rates, you need to get several quotes from a few independent agents to maximize your price options. A lot of them also have access to mutual insurance companies that can offer cheaper rates than bigger companies.
Featured below are independent agents in Henderson that may be able to provide free rate quotes.
- All Star Insurance Agency
10120 S. Eastern Ave, Suite 200 – Henderson, NV 89052 – (702) 660-6618 – View Map - Paradigm Insurance Agency
170 S Green Valley Pkwy #300 – Henderson, NV 89012 – (702) 522-0730 – View Map - High Desert Insurance Agency
140 E Horizon Dr – Henderson, NV 89015 – (702) 558-8587 – View Map
Exclusive Insurance Agents
Exclusive agencies can only quote rates from one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. They usually cannot give you multiple price quotes so you need to shop around if the rates are high. These agents are highly trained on sales techniques which can be an advantage. A lot of people buy from exclusive agents partially due to the brand rather than having low rates.
Below are exclusive insurance agents in Henderson that are able to give price quotes.
- Henry Crockett II – State Farm Insurance Agent
2986 St Rose Pkwy #150 – Henderson, NV 89052 – (702) 489-9999 – View Map - Leon Pearson Jr – State Farm Insurance Agent
1730 W Horizon Ridge Pkwy #110 – Henderson, NV 89012 – (702) 457-0306 – View Map - J.J. Tucker – State Farm Insurance Agent
10890 S Eastern Ave #115 – Henderson, NV 89052 – (702) 616-1000 – View Map
Choosing the best insurance agent is decision based upon more than just the price. Get answers to these questions too.
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Is the agent and/or agency licensed to do business in Nevada?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do they see any coverage gaps in your plan?
- Do they review policy coverages at every renewal?
- Do they receive special compensation for putting your coverage with one company over another?
- Will their companies depreciate repairs to your car based on the mileage?
Upon getting satisfactory answers to your questions as well as an affordable premium quote, you have narrowed it down to an insurance agent that meets your needs to insure your vehicles. Keep in mind you can always cancel your policy at any time so never assume that you’re stuck with any specific company for the full policy term.
One last note
You just learned many ideas to shop for Kia Rio insurance online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your premium rates. Consumers could even find that the best price on auto insurance is with the smaller companies.
As you quote Henderson auto insurance, it’s very important that you do not skimp on coverage in order to save money. There have been many cases where an insured cut liability coverage limits only to regret that they should have had better coverage. Your focus should be to get the best coverage possible at the best cost, not the least amount of coverage.
Insureds leave their current company for a number of reasons such as an unsatisfactory settlement offer, delays in responding to claim requests, not issuing a premium refund or delays in paying claims. Regardless of your reason for switching companies, switching companies is easier than you think.
How to find cheaper rates for Kia Rio insurance in Henderson
If you want to find the absolute lowest rates, then the best way to get discount Kia Rio insurance in Henderson is to annually compare prices from different companies in Nevada.
- Get an understanding of what coverages are included in your policy and the steps you can take to keep rates down. Many rating criteria that are responsible for high rates like distracted driving and a bad credit rating can be eliminated by paying attention to minor details.
- Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like Progressive or State Farm, while independent agencies can give you price quotes for many different companies. View insurance agents
- Compare the new rate quotes to your existing coverage to determine if you can save on Rio insurance. If you find a lower rate quote and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
A crucial key to this process is to make sure you’re comparing similar deductibles and liability limits on every price quote and and to get price quotes from as many carriers as you can. Doing this guarantees a fair price comparison and the best price selection.
For more information, feel free to browse the articles below:
- Reducing Your Risks in a Car Crash Video (iihs.org)
- How Much are Auto Insurance Rates for Homeowners in Henderson? (FAQ)
- How Much are Auto Insurance Quotes for a Nissan Sentra in Henderson? (FAQ)
- Who Has Affordable Henderson Auto Insurance for High Mileage Drivers? (FAQ)
- Who Has Affordable Henderson Auto Insurance Rates for a 20 Year Old Female? (FAQ)
- Understanding Limits and Deductibles (Allstate)
- Property Damage Coverage (Liberty Mutual)