Want to learn how to save money and find more affordable insurance rates in Phoenix, AZ? Phoenix buyers have many options when searching for the lowest priced Kia Rio insurance. You can either waste hours struggling with agents trying to get quotes or utilize the internet to find the lowest rates. There is a right way and a wrong way to shop for insurance so we’re going to tell you the best way to compare rates for your Kia and obtain the cheapest rates.
It’s smart to do rate comparisons yearly since insurance prices trend upward over time. If you had the best rates on Kia Rio insurance in Phoenix last year you may be paying too much now. You can find a lot of wrong information about Rio insurance out there, but I’m going to show you the easiest ways to put money back in your pocket.
Locating the most cost-effective insurance policy in Phoenix is not that difficult as long as you know where to start. If you have insurance now, you will definitely be able to shop for the lowest rates using the concepts covered in this article. Smart shoppers just need to learn the most efficient way to shop for insurance using one simple form.
All major auto insurance companies such as State Farm, Allstate and GEICO provide prices for coverage on their websites. The process is fairly straightforward as you simply enter the amount of coverage you want into the form. After you submit the form the company’s rating system sends out for reports for credit and driving violations and generates a price based on these and other factors.
Being able to quote online for Kia Rio insurance in Phoenix makes it simple to compare prices and it’s necessary to do this if you are searching for a better rate.
To save time and find out if lower rates are available, consider comparing rates from the companies shown below. If you have your current policy handy, we recommend that you enter the limits and deductibles as shown on your current policy. This ensures you’re receiving an apples-to-apples comparison based on similar coverages.
The companies in the list below are ready to provide free rate quotes in Phoenix, AZ. If the list has multiple companies, we recommend you compare several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rio | $174 | $382 | $356 | $22 | $106 | $1,040 | $87 |
| Rio LX | $220 | $536 | $410 | $24 | $122 | $1,312 | $109 |
| Rio SX | $210 | $456 | $458 | $28 | $136 | $1,288 | $107 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rate information does not factor in vehicle garaging location which can revise premiums considerably.
Higher deductibles save money
The hardest decision when buying coverage is the level to set your comp and collision deductibles. The premium rates below may help to illustrate the cost difference when you select higher and lower insurance deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rio | $202 | $390 | $338 | $20 | $102 | $1,077 | $90 |
| Rio LX | $202 | $390 | $338 | $20 | $102 | $1,077 | $90 |
| Rio SX | $232 | $460 | $338 | $20 | $102 | $1,177 | $98 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rio | $124 | $246 | $338 | $20 | $102 | $830 | $69 |
| Rio LX | $124 | $246 | $338 | $20 | $102 | $830 | $69 |
| Rio SX | $144 | $290 | $338 | $20 | $102 | $894 | $75 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Premium costs do not factor in specific zip code location which can influence insurance rates noticeably.
Based on this data, using a $250 deductible could cost the average driver approximately $22 more each month or $264 every year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 34 months between claims, you would come out ahead if you choose a higher deductible.
Gender differences in auto insurance premiums
The illustration below shows the difference between Kia Rio car insurance rates for male and female drivers. The data is based on a clean driving record, no claims, comprehensive and collision coverage, $250 deductibles, drivers are single, and no discounts are factored in.
Your insurance coverage should be tailored to you
When buying proper insurance coverage for your personal vehicles, there really is no one-size-fits-all type of policy. Everyone’s situation is unique.
Here are some questions about coverages that might help in determining if your insurance needs might need professional guidance.
- Do I have coverage when pulling a U-Haul trailer?
- Is my Kia Rio covered if I use it for business?
- Is my state a no-fault state?
- Do I get a pro-rated refund if I cancel my policy early?
- Which is better, split liability limits or combined limits?
- Does my car insurance cover rental cars?
If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.
Buying from insurance agencies
A small number of people would prefer to get advice from a local agent and that is recommended in a lot of cases Licensed agents are very good at helping people manage risk and give you someone to call. An additional benefit of getting free rate quotes online is the fact that you can find the best rates and still have a local agent.
Upon completion of this form (opens in new window), your insurance data is transmitted to agents in your area who will give you bids for your car insurance coverage. There is no need to search for an agent because quoted prices will be sent to you. If you need to compare rates from a particular provider, feel free to navigate to their website to submit a rate quote request.
Finding the right insurance company shouldn’t rely on just a cheap price quote. The answers to these questions are important, too.
- Do they feel the quoted coverages are adequate?
- How long has the business existed?
- Does the company have a local claim office in Phoenix?
- Is the agent properly licensed in Arizona?
- Does their agency support local causes in Phoenix?
- Do you qualify for any additional discounts?
- Does the agency have a positive business rating?
- Do the companies they represent have a solid financial rating?
When researching a local insurance agency, there are two different types of agents and how they can write your policy. Agencies in Phoenix can be categorized as either independent agents or exclusive agents depending on their employer. Both do a good job, but we need to point out the difference between them because it can factor into which agent you choose.
Exclusive Car Insurance Agencies
These agents work for only one company and examples are Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents are unable to shop your coverage around so always compare other rates. Exclusive insurance agents are well schooled on their products and sales techniques and that allows them to sell at a higher price point. Consumers often use the same agent mainly due to the brand legacy and the convenience of having a single billing for all their coverages.
Below are exclusive agents in Phoenix that are able to give price quote information.
- Lupita Fernandez – State Farm Insurance Agent
2610 W Baseline Rd Ste 116 – Phoenix, AZ 85041 – (602) 633-2088 – View Map - Andy Carrillo – State Farm Insurance Agent
4713 E Southern Ave – Phoenix, AZ 85042 – (602) 426-8088 – View Map - Mary Parada – State Farm Insurance Agent
3414 W Bell Rd – Phoenix, AZ 85053 – (602) 942-9202 – View Map
Independent Car Insurance Agencies
These agents do not write with just one company and that allows them to write policies with multiple insurance companies and find the cheapest rate. If you are not satisfied with one company, an independent agent can move your coverage and the insured can keep the same agent.
If you need lower rates, you should always compare quotes from a couple of independent agencies so that you have a good selection of quotes to compare. Most also write with small regional insurance companies which may provide better rates.
The following is a list of independent insurance agencies in Phoenix that can give you comparison quotes.
- General Southwest Insurance Agency
5628 E Thomas Rd – Phoenix, AZ 85018 – (480) 990-1900 – View Map - Best Buy Insurance
3917 S Central Ave – Phoenix, AZ 85040 – (602) 268-2548 – View Map - Rodriguez Insurance
5720 N 27th Ave – Phoenix, AZ 85017 – (602) 242-5303 – View Map