Locating low-cost insurance for a new or used Kia Rio in Pennsylvania can turn out to be a painful process, but you can use a few tricks and make it easy. There is a better way to buy insurance so you’re going to learn the absolute fastest way to compare rates for a new or used Kia and locate the best price possible from Pittsburgh insurance agents and online providers.
Consumers need to compare premium rates as often as possible due to the fact that insurance rates are usually higher with each renewal. Just because you had the best premium rates on Kia Rio insurance in Pittsburgh a couple years back you can probably find a lower rate today. There is a lot of wrong information about Rio insurance out there, but you can learn some tested techniques to lower your insurance premiums.
If you are insured now or just want a better rate, you can learn to find the best rates without reducing coverage. Quoting and buying the lowest-priced coverage in Pittsburgh can be fairly easy. Smart buyers just need to use the best way to buy insurance from many different companies.
Best Kia Rio insurance price quotes in Pennsylvania
The following companies provide price quotes in Pittsburgh, PA. If you want cheap car insurance in PA, it’s highly recommended you click on several of them to find the cheapest auto insurance rates.
Insurance coverage details
The data table displayed next covers different insurance prices for Kia Rio models. Having insight into how insurance rates are calculated can assist in making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rio | $170 | $356 | $350 | $20 | $104 | $1,000 | $83 |
| Rio LX | $170 | $356 | $350 | $20 | $104 | $1,000 | $83 |
| Rio SX | $196 | $420 | $350 | $20 | $104 | $1,090 | $91 |
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage rates significantly.
Analysis of deductible levels
One of the more difficult decisions when buying car insurance is which deductible level should you buy. The rates shown below can help illustrate how much more rates are between low and high policy deductibles. The first data set uses a $100 deductible and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rio | $246 | $512 | $372 | $22 | $112 | $1,289 | $107 |
| Rio LX | $246 | $512 | $372 | $22 | $112 | $1,289 | $107 |
| Rio SX | $284 | $602 | $372 | $22 | $112 | $1,417 | $118 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rio | $180 | $346 | $372 | $22 | $112 | $1,032 | $86 |
| Rio LX | $180 | $346 | $372 | $22 | $112 | $1,032 | $86 |
| Rio SX | $206 | $408 | $372 | $22 | $112 | $1,120 | $93 |
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Prices do not factor in Pittsburgh location which can lower or raise coverage prices greatly.
We can derive from the above data that using a $100 deductible costs about $23 more each month or $276 each year averaged for all Rio models than requesting the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 17 months between claims, you would probably come out ahead if you choose the higher deductible.
How to calculate if a higher deductible is a good decision
| Average monthly premium for $100 deductibles: | $111 |
| Average monthly premium for $500 deductibles (subtract): | – $88 |
| Monthly savings from raising deductible: | $23 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $23 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
Age-based car insurance rates by gender
The illustration below visualizes the comparison of Kia Rio insurance prices for male and female drivers. Data assumes a clean driving record, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium.
Take advantage of these discounts on Kia Rio insurance in Pittsburgh
Car insurance is not cheap, but you can get discounts that you may not even know about. Certain reductions will be credited when you complete an application, but some discounts are required to be asked for prior to getting the savings. If you’re not getting every credit you deserve, you could be paying more than you need to.
- Homeowners Savings – Owning a home in Pittsburgh can save you money because owning a home demonstrates responsibility.
- New Vehicle Savings – Adding a new car to your policy can be considerably cheaper because newer models have to meet stringent safety requirements.
- Telematics Discount – Insureds who allow their company to monitor driving patterns by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if their driving habits are good.
- No Charge for an Accident – Not necessarily a discount, but a few companies such as Liberty Mutual, GEICO and Allstate will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims prior to being involved in the accident.
- Online Discount – A few larger online companies will discount your bill up to fifty bucks for signing up over the internet.
- Club Memberships – Joining specific professional or occupational memberships or organizations can get you a small discount on your policy.
- Student in College – Older children who are enrolled in higher education away from home and leave their car at home can receive lower rates.
- Military Deployment Discount – Having an actively deployed family member may qualify for rate reductions.
One last thing about discounts, most discount credits are not given to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, nobody gets a free ride. Any amount of discount should help lower your policy premium.
The chart below shows the difference between Kia Rio insurance costs with and without discounts applied to the premium. The premiums are based on a male driver, no tickets, no at-fault accidents, Pennsylvania 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 homeowner, safe-driver, claim-free, multi-car, multi-policy, and marriage discounts applied.
To locate auto insurance companies with the best Kia Rio insurance discounts in Pittsburgh in Pennsylvania, follow this link.
Will just any policy work for me?
When it comes to buying coverage, there really isn’t a “perfect” insurance plan. Every insured’s situation is different.
For instance, these questions may help you determine whether you might need an agent’s assistance.
- Does coverage follow the driver or the vehicle?
- Can I get by with minimal medical coverage if I have good health insurance?
- Should I put collision coverage on all my vehicles?
- How much coverage applies to personal belongings?
- When would I need additional glass coverage?
- Do I need special coverage while pulling a rented trailer?
If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.
You may require the services of a local insurance agent
A small number of people still like to sit down with an agent and that is not a bad decision Good agents can help determine the best coverages and help you file claims. A nice benefit of comparing insurance prices online is you can get cheap auto insurance quotes but also keep your business local.
To find an agent, once you fill out this quick form, your insurance data is instantly submitted to agents in your area who will return price quotes for your coverage. It’s much easier because you don’t need to contact any agents since rate quotes are delivered straight to your inbox. If you want to compare rates for a specific company, just go to their quote page and complete a quote there.
Choosing the best insurer requires more thought than just the bottom line cost. Agents should be asked these questions:
- How much will you save each year by using a higher deductible?
- Will the quote change when the policy is issued?
- How many companies do they write for?
- Does the company have a solid financial rating?
- How is replacement cost determined on your vehicle?
- Can you get a list of referrals?
- Are claims handled at the agent’s location?
- Will the agent or a CSR service your policy?
If you want a good insurance agency, it can be helpful to understand the different types of agents and how they differ in how they can insure your vehicles. Auto insurance policy providers are either independent (non-exclusive) or exclusive. Either one can write policy coverage, but it is important to understand the difference in how they write coverage since it could factor into buying decisions.
Exclusive Insurance Agencies
Exclusive agencies can only provide pricing for a single company and some examples include State Farm, AAA, and Liberty Mutual. These agents are not able to give you multiple price quotes so you need to shop around if the rates are high. These agents are very knowledgeable on what they offer which aids in selling service over price. A lot of people choose to use a exclusive agent primarily because of loyalty to the company rather than having the cheapest rates.
Shown below are exclusive agents in Pittsburgh willing to provide price quotes.
- Michael Dear State Farm
2632 Brownsville Rd – Pittsburgh, PA 15227 – (412) 884-9700 – View Map - Donna Fleming – State Farm Insurance Agent
11203 Frankstown Rd – Pittsburgh, PA 15235 – (412) 242-5995 – View Map - Chad Gregorini – State Farm Insurance Agent
7 Brilliant Ave – Pittsburgh, PA 15215 – (412) 784-8855 – View Map
Independent Agents (or Brokers)
Agents of this type are not limited to a single company so they have the ability to put coverage amongst many companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, they simply move your policy to a different company without you having to go to a different agency. If you are comparing auto insurance prices, we highly recommend that you get several quotes from a couple of independent agencies to have the most options to choose from. Many independent agencies also insure through less well-known companies which could offer lower prices.
Listed below are Pittsburgh independent insurance agents that are able to give price quote information.
- Nationwide Insurance: Joshua Michael Dott Agency
513 Towne Square Way – Pittsburgh, PA 15227 – (412) 927-2400 – View Map - Nationwide Insurance: Swenson Insurance Inc
234 Shady Ave – Pittsburgh, PA 15206 – (412) 362-8340 – View Map - D Johnson Insurance Agency
12806 Frankstown Rd – Pittsburgh, PA 15235 – (412) 744-4800 – View Map
Cheap car insurance rates are out there
Insureds who switch companies do it for a number of reasons such as delays in paying claims, policy non-renewal, denial of a claim and high prices. Whatever your reason, finding a new car insurance company can be less work than you think.
As you quote Pittsburgh car insurance, it’s very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase a proper amount of coverage at the best cost, but do not sacrifice coverage to save money.
Some companies may not offer internet price quotes and these small insurance companies work with local independent agents. More affordable car insurance in Pittsburgh is available online and with local Pittsburgh insurance agents, and you need to price shop both to get a complete price analysis.
Steps to buying cheaper Kia Rio insurance in Pittsburgh
The easiest way to quote cheaper car insurance rates is to regularly compare price quotes from insurers that sell auto insurance in Pittsburgh. Price quotes can be compared by completing these steps.
- First, try to learn a little about car insurance and the measures you can control to keep rates in check. Many factors that cause rate increases like traffic citations, accidents, and a substandard credit score can be improved by paying attention to minor details.
- Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from one company like Progressive or Farmers Insurance, while independent agencies can give you price quotes from multiple sources.
- Third, compare the quotes to your current policy to see if a cheaper rate is available in Pittsburgh. If you can save money and buy the policy, make sure coverage does not lapse between policies.
- Fourth, give proper notification to your current agent or company to cancel your current car insurance policy and submit the signed application along with the required initial payment to the new company. Once the application is submitted, keep your new certificate verifying coverage somewhere easily accessible.
A crucial key to this process is to make sure you’re comparing identical limits and deductibles on every price quote and and to get rates from every insurance company. Doing this ensures a fair rate comparison and a complete price analysis.
Additional information can be found below:
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- How Much are Auto Insurance Quotes for High School Students in Pittsburgh? (FAQ)
- How Much is Pittsburgh Auto Insurance for a Chevrolet Silverado? (FAQ)
- How Much are Auto Insurance Quotes for a Dodge Ram in Pittsburgh? (FAQ)
- Who Has Affordable Car Insurance Rates for a Toyota Highlander in Pittsburgh? (FAQ)
- Who Has the Cheapest Car Insurance for a Kia Forte in Pittsburgh? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Real Estate Agents in Pittsburgh? (FAQ)
- How Much are Auto Insurance Quotes for Government Employees in Pittsburgh? (FAQ)
- Who Has Affordable Car Insurance for Hybrid Vehicles in Pittsburgh? (FAQ)
- Driving in Bad Weather (Insurance Information Institute)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Vehicle Size and Weight FAQ (iihs.org)