How many times have you told yourself it's time to shop around for low-cost Kia Rio insurance in Colorado Springs? Purchasing low-cost Colorado Springs Kia Rio insurance quotes on the internet can appear to be intimidating for drivers who are new to buying insurance on the internet. With dozens of online companies available, how can Colorado Springs drivers have the ability to compare every insurance company to find the best available rates?

Insurance for Kia RioUnfortunately, most insurance customers kept buying from the same company for more than four years, and nearly the majority have never even compared quotes to find cheap rates. Colorado Springs consumers could cut their rates by almost 35% a year just by getting comparison quotes, but most undervalue the actual amount they would save if they switched to a more affordable policy.

Insurance discounts are available to cut your rates

Car insurance is not cheap, but there could be available discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied when you complete an application, but occasionally some discounts must be inquired about before being credited.

One last thing about discounts, most of the big mark downs will not be given the the whole policy. Most only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like it's possible to get free car insurance, insurance companies aren't that generous.

Popular insurance companies and some of the discounts include:

If you need lower rates, check with all the companies which discounts you qualify for. Depending on the company, some discounts might not be offered in your area. To see a list of insurance companies that have a full spectrum of discounts in Colorado Springs, click here to view.

Just remember that comparing more prices gives you a better chance of getting better pricing. Not every company does rate quotes online, so it's important to compare price estimates from those companies as well.

The companies in the list below offer price comparisons in Colorado Springs, CO. If several companies are displayed, we recommend you get rate quotes from several of them to get a more complete price comparison.

Kia Rio Insurance Rate Estimates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $204 $448 $448 $26 $134 $1,260 $105
Rio LX $166 $288 $520 $30 $156 $1,160 $97
Rio SX $186 $416 $536 $32 $160 $1,330 $111
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Prices do not factor in garaging location in Colorado Springs which can increase or decrease coverage rates considerably.

Higher deductibles lower rates

The information below illustrates how choosing a deductible and can raise or lower Kia Rio insurance rates for different ages of insureds. Data assumes a married male driver, comp and collision included, and no discounts are taken into consideration.

Higher deductibles save money

When buying auto insurance, a common question is at what level do you set your deductibles. The comparisons below may help you to understand the price difference of buying low and high comp and collision deductibles. The first rate comparisons uses a $100 comprehensive and collision deductible and the second pricing table uses a $500 deductible.

Kia Rio insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $264 $546 $396 $24 $118 $1,373 $114
Rio LX $264 $546 $396 $24 $118 $1,373 $114
Rio SX $302 $644 $396 $24 $118 $1,509 $126
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Kia Rio insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $192 $368 $396 $24 $118 $1,098 $92
Rio LX $192 $368 $396 $24 $118 $1,098 $92
Rio SX $220 $434 $396 $24 $118 $1,192 $99
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price information does not factor in specific location information which can lower or raise prices greatly.

Based on these figures, using a $100 deductible will cost you approximately $24 more each month or $288 for a full year than requesting the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you have at least 17 months between claim filings, you would most likely save money going with the higher deductible.

Why Your Insurance Prices might be higher

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the factors that go into determining the price you pay for auto insurance. If you know what determines premiums, this helps enable you to make changes that could result in big savings.

The itemized list below are most of the major factors utilized by car insurance companies to help set premiums.

Are insurance agencies obsolete?

Many drivers just prefer to get professional advice from a licensed agent and that can be a great decision One of the great benefits of price shopping on the web is the fact that drivers can get cheaper prices but also keep your business local.

After filling out this quick form, your information gets sent to participating agents in Colorado Springs who will return price quotes and help you find cheaper coverage. It's much easier because you don't need to do any legwork because quoted prices will be sent immediately to your email address. You can find the lowest rates without requiring a lot of work. If you wish to get a rate quote from a specific company, you would need to visit that company's website to submit a rate quote request.

Choosing a provider needs to be determined by more than just the quoted price. The questions below may impact your decision as well.

Is an exclusive or independent auto insurance agent right for you?

When looking for a reliable agent, you must know there are a couple different agency structures that you can select. Car insurance agencies can either be independent agents or exclusive agents depending on their employer.

Exclusive Car Insurance Agents

Agents that elect to be exclusive normally can only provide a single company's rates and some examples include Farmers Insurance, American Family, State Farm and Allstate. They usually cannot place coverage with different providers so always compare other rates. Exclusive insurance agents are usually well trained on their company's products which helps offset the inability to provide other markets. Some consumers prefer to buy from the same agent for years mainly due to loyalty to the company rather than having the cheapest rates.

Listed below is a list of exclusive agents in Colorado Springs willing to provide price quote information.

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Independent Car Insurance Agents

Independent agents are not locked into one company and that allows them to write policies with lots of companies and get you the best rates possible. If you want to switch companies, your policy is moved internally and you can keep the same agent.

When comparing rate quotes, you need to get several quotes from several independent insurance agents to ensure the widest selection of prices. They also have the ability to place coverage with lesser-known insurance companies that many times have cheaper rates.

The following are independent insurance agents in Colorado Springs that can give you comparison quotes.

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Choosing Kia vehicle insurance is an important decision

Even though Colorado Springs Rio insurance rates can get expensive, insurance serves an important purpose.

The benefits of carrying adequate insurance outweigh the cost, especially when you need to use it. On average, a vehicle owner in Colorado Springs is overpaying more than $820 a year so we recommend shopping around once a year at a minimum to be sure current rates are still competitive.

Compare. Compare. Compare.

Cost effective Kia Rio insurance can be bought on the web and also from your neighborhood Colorado Springs agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance companies don't offer rates over the internet and many times these regional insurance providers sell through independent agencies.

When trying to cut insurance costs, make sure you don't buy poor coverage just to save money. Too many times, an insured dropped collision coverage only to discover later that it was a big mistake. The ultimate goal is to purchase plenty of coverage at the lowest possible cost, not the least amount of coverage.

People switch companies for a variety of reasons including denial of a claim, policy non-renewal, not issuing a premium refund or high prices. It doesn't matter what your reason, finding a great new company is easier than you think.

Additional detailed information is available at these sites: