Want to learn how to buy low-cost Kia Rio insurance in Atlanta? Buying budget-priced Atlanta Kia Rio insurance quotes on the internet may seem to be impossible for consumers not familiar with buying insurance on the web. Because there are so many online companies, how can Atlanta drivers be able to compare every auto insurance company to find better auto insurance prices?
Sad but true, the vast majority of auto insurance customers kept their coverage with the same auto insurance company for at least the last four years, and nearly half have never shopped around. Atlanta insurance shoppers could cut their rates by as much as $960 a year by just comparing quotes, but they just assume it takes a lot of time to shop around.
You need to check auto insurance prices every six months because rates go up and down regularly. If you had the best rate on Kia Rio insurance in Atlanta on your last policy the chances are good that you can find a lower price today. Block out anything you think you know about auto insurance because you’re about to learn the best way to save money, get proper deductibles and limits, all at the lowest rate.
Check for these discounts on Kia Rio insurance in Atlanta
Buying auto insurance is not cheap, but you may be missing some discounts that many consumers don’t even know exist. Most are applied when you quote, but lesser-known reductions have to be asked for in order for you to get them.
- Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a discount if you purchase a life insurance policy as well.
- More Vehicles More Savings – Buying coverage for multiple cars on one policy may reduce the rate for each vehicle.
- First Accident Forgiveness – This one is not really a discount per se, but a handful of insurance companies permit an accident before raising your premiums if you are claim-free for a set time period.
- Discounts for Good Drivers – Insureds who avoid accidents can pay as much as 50% less compared to accident prone drivers.
- Safety Restraint Discount – Requiring all passengers to buckle up before driving could cut 10% or more on the medical payments or PIP coverage costs.
- Save with a New Car – Buying auto insurance coverage on a new vehicle may earn a small discount since newer vehicles are generally safer.
- Low Mileage – Driving less could be rewarded with discounted premium rates on garaged vehicles.
- Payment Discounts – By making one initial payment rather than paying in monthly installments you can avoid the installment charge.
- Telematics Data – Atlanta drivers who agree to allow their auto insurance company to study their driving habits by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if they exhibit good driving behavior.
A little disclaimer on discounts, most discount credits are not given to your bottom line cost. Some only apply to the price of certain insurance coverages like medical payments or collision. Even though it appears it’s possible to get free car insurance, you’re out of luck. Any amount of discount should help reduce your policy premium.
A partial list of companies that may offer policyholders these money-saving discounts include:
It’s a good idea to ask all companies you are considering which discounts you qualify for. Discounts might not be offered in Atlanta. To see a list of companies with discount auto insurance rates in Atlanta, click here to view.
The fastest way that we advise to compare insurance rates from multiple companies utilizes the fact car insurance companies have advanced systems to give rate comparisons. The only thing you need to do is take a few minutes to give details including whether you drive to work or school, the make and model of your vehicles, your education level, and deductibles desired. The data is submitted instantly to insurance carriers in your area and you will get price comparisons quickly.
To compare rates for your Kia Rio now, click here and complete the form.
The auto insurance companies shown below are ready to provide comparison quotes in Georgia. If multiple companies are listed, we suggest you visit two to three different companies to find the most affordable auto insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rio | $240 | $472 | $458 | $28 | $138 | $1,336 | $111 |
| Rio LX | $228 | $502 | $466 | $28 | $140 | $1,364 | $114 |
| Rio SX | $146 | $322 | $426 | $26 | $128 | $1,048 | $87 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rate quotes do not factor in specific location which can raise or lower premiums significantly.
Kia Rio full coverage rates compared to liability only
The chart below shows the difference between Kia Rio insurance rates when comparing full coverage to state minimum liability only. The information is based on a clean driving record, no at-fault accidents, $1,000 deductibles, married male driver, and no policy discounts are applied.
Guidelines for eliminating full coverage
There is no clear-cut rule to drop comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let’s assume your Kia Rio settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $4,000 after paying the physical damage deductible. If you are paying over $400 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are some conditions where removing full coverage is not advised. If you still owe money on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.
Should you raise deductibles?
One common question asked by Atlanta drivers is how high should the deductibles for physical damage be. The following insurance rates may aid in understanding the differences in price when you select higher and lower deductibles. The first table uses a $250 deductible for physical damage and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rio | $264 | $512 | $444 | $26 | $134 | $1,405 | $117 |
| Rio LX | $264 | $512 | $444 | $26 | $134 | $1,405 | $117 |
| Rio SX | $304 | $604 | $444 | $26 | $134 | $1,537 | $128 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rio | $164 | $322 | $444 | $26 | $134 | $1,090 | $91 |
| Rio LX | $164 | $322 | $444 | $26 | $134 | $1,090 | $91 |
| Rio SX | $188 | $380 | $444 | $26 | $134 | $1,172 | $98 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in specific zip code location which can revise prices greatly.
Based on the data above, we can derive that using a $250 deductible costs about $28 more each month or $336 for a full year than quoting the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 27 months between claim filings, you would more than likely save some money if you choose a higher deductible.
Calculate deductible break even point
| Average monthly premium for $250 deductibles: | $121 |
| Average monthly premium for $1,000 deductibles (subtract): | – $93 |
| Monthly savings from raising deductible: | $28 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $28 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 27 months |
One big caveat is that raising deductibles to save money means you will have to cover more of the damage yourself when you do file a claim. You will want to have enough extra money in order to pay the deductible for vehicle repair.
Do I just need basic coverages?
When it comes to coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is unique.
For instance, these questions could help you determine whether you would benefit from an agent’s advice.
- What is the difference between personal and commercial auto insurance policies?
- Am I covered by my spouse’s policy after a separation?
- Do I have coverage if I rent a car in Mexico?
- Is my state a no-fault state?
- What if a claim settlement is too low?
- What is glass protection for?
- Can I get by with minimal medical coverage if I have good health insurance?
- Does my insurance cover a custom paint job?
- Is coverage enough to protect my assets?
- Are combined or split liability limits better?
If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.
When to contact a local insurance agent
Some people would prefer to talk to a local agent and that is not a bad decision One of the great benefits of price shopping on the web is the fact that you can find lower premium rates but still work with a licensed agent. Putting coverage with local agents is important particularly in Atlanta.
For easy comparison, once you complete this short form, your insurance coverage information is transmitted to insurance agents in Atlanta that can provide free Atlanta car insurance quotes to get your business. It’s much easier because you don’t need to leave your house because prices are sent to you. You can find the lowest rates without the usual hassles of price shopping. In the event you want to get a rate quote from one company in particular, feel free to search and find their rate quote page and give them your coverage information.
Atlanta car insurance agents come in two flavors
If you prefer to buy insurance from a local agent, there are two different agency structures and how they can quote your rates. Agents may be either exclusive agents or independent agents.
Independent Agents (or Brokers)
Agents that elect to be independent do not write with just one company and that enables them to quote your coverage through many different insurance companies and help determine which has the cheapest rates. If prices rise, the agent simply finds a different carrier which is easy for the insured. When shopping rates, you will want to compare quotes from multiple independent agents so that you have a good selection of quotes to compare. Many can place coverage with less well-known companies which may have better rates.
Below are Atlanta independent agencies that may be able to give competitive price quotes.
- PointeNorth Insurance Group
1100 Cir 75 Pkwy SE #140 – Atlanta, GA 30339 – (800) 634-2903 – View Map - Nationwide Insurance: Walter Wade Agency
4401 Northside Pkwy NW #311 – Atlanta, GA 30327 – (404) 550-3448 – View Map - Snellings Walters Insurance Agency
1117 Perimeter Center W – Atlanta, GA 30338 – (770) 396-9600 – View Map
Exclusive Agencies
Agents of this type can usually just insure with one company and examples are AAA, Allstate, and State Farm. They usually cannot provide rate quotes from other companies so they really need to provide good service. Exclusive insurance agents are usually well trained on their company’s products and that can be a competitive advantage. Some people will only choose to use an exclusive agent partially due to the brand legacy and the convenience of having a single billing for all their coverages.
Below is a short list of exclusive insurance agencies in Atlanta that are able to give price quotes.
- DeWayne Hrabowski – State Farm Insurance Agent
1120 Ralph David Abernathy Blvd SW #4 – Atlanta, GA 30310 – (404) 758-5400 – View Map - Randy Beavers – State Farm Insurance Agent
135 Mount Vernon Hwy – Atlanta, GA 30328 – (770) 396-3810 – View Map - Allstate Insurance: Laura Leidigh
7 Lenox Pointe NE – Atlanta, GA 30324 – (404) 233-5650 – View Map
Choosing the best insurance agent needs to be determined by more than just the bottom line cost. Agents should be asked these questions:
- Does the company have a solid financial rating?
- What company holds the largest book of business for them?
- Do you need full coverage on every vehicle?
- What is their Better Business Bureau rating?
- How is replacement cost determined on your vehicle?
After getting answers to your satisfaction to all your questions as well as offering an affordable quote, chances are good that you have found an insurance agency that is a good match to adequately provide insurance. Just understand that consumers can terminate coverage at any time so never feel that you’re stuck with the insurance policy with no way to switch.
Insurance savings summarized
As you quote Atlanta car insurance, it’s not a good idea to buy poor coverage just to save money. In too many instances, consumers will sacrifice liability coverage limits and found out when filing a claim that it was a big error on their part. Your aim should be to buy enough coverage for the lowest price and still be able to protect your assets.
We just covered many ideas to shop for Kia Rio insurance online. The key concept to understand is the more companies you get rates for, the better your comparison will be. You may even be surprised to find that the best price on insurance is with the least-expected company.
Some companies may not offer the ability to get quotes online and these smaller companies only sell coverage through independent agents. Low-cost Kia Rio insurance in Atlanta can be purchased both online and with local Atlanta insurance agents, and you need to price shop both to get a complete price analysis.
Much more information about insurance in Georgia can be read at these links:
- Safety Belts FAQ (iihs.org)
- Who Has Affordable Auto Insurance Quotes for Good Students in Atlanta? (FAQ)
- How Much are Auto Insurance Quotes for Inexperienced Drivers in Atlanta? (FAQ)
- What Car Insurance is Cheapest for a GMC Sierra in Atlanta? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Toyota RAV4 in Atlanta? (FAQ)
- Who Has the Cheapest Auto Insurance for Felons in Atlanta? (FAQ)
- How Much is Car Insurance After a Speeding Ticket in Atlanta? (FAQ)
- Tread Depth and Tire Safety (State Farm)
- Protect Yourself Against Auto Theft (Insurance Information Institute)