Affordable Insurance for a Kia Rio in Tampa

If you want to find the absolute lowest rates, then the best way to save on auto insurance rates is to make a habit of comparing prices annually from companies who sell insurance in Tampa.

One thing to point out is to use the same level of coverage on every quote and and to get price estimates from as many companies as you can. This ensures an apples-to-apples comparison and a thorough selection of prices.

Insurance for Kia RioSmart shoppers know that auto insurance companies don’t want you shop around. Consumers who shop around will, in all likelihood, switch insurance companies because the odds are good of getting low-cost coverage. A study discovered that people who compared rate quotes regularly saved over $865 a year compared to drivers who don’t regularly compare prices.

If saving money on car insurance is your intention, then having an understanding of how to quote and compare insurance can help make the process easier.

If you have a current auto insurance policy, you should be able to get lower rates using the techniques covered below. This information will teach you the best ways to compare prices and some money-saving tips. But Florida consumers do need to know how big insurance companies calculate their prices and use this information to your advantage.

Companies offering Kia Rio insurance in Florida

The providers in the list below are our best choices to provide free quotes in Tampa, FL. To get the cheapest car insurance in FL, it’s a good idea that you compare several of them in order to find the most affordable rates.

Rates and statistics

The premium information below outlines estimates of prices for Kia Rio models. Learning as much as possible about how rates are figured is important for making decisions when choosing a new policy provider.

Kia Rio Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $178 $372 $452 $26 $136 $1,164 $97
Rio LX $178 $372 $452 $26 $136 $1,164 $97
Rio SX $204 $438 $452 $26 $136 $1,256 $105
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Table data does not factor in Tampa location which can decrease or increase premium rates substantially.

Should you raise deductibles?

When comparing car insurance rates, the most common question is how high should the deductibles for physical damage be. The figures shown below illustrate the costs and benefits between low and high deductibles. The first pricing table uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.

Kia Rio insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $280 $544 $472 $28 $142 $1,491 $124
Rio LX $280 $544 $472 $28 $142 $1,491 $124
Rio SX $322 $640 $472 $28 $142 $1,629 $136
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Kia Rio insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $228 $438 $472 $28 $142 $1,308 $109
Rio LX $228 $438 $472 $28 $142 $1,308 $109
Rio SX $262 $516 $472 $28 $142 $1,420 $118
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Price estimates do not factor in specific zip code location which can modify auto insurance rates significantly.

We can estimate from the data above that using a $250 deductible costs roughly $16 more each month or $192 every year than buying the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 16 months between claim filings, you would more than likely save some money going with the higher deductible.

The example below demonstrates how choosing different deductibles and can increase or decrease Kia Rio insurance prices for different age groups of insureds. The prices are based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

What Determines Kia Rio Insurance Premiums?

Lots of things are taken into consideration when you get a price on insurance. Some factors are common sense such as your driving record, but others are less obvious such as your credit history and annual miles driven.

Tampa insurance discounts for a Kia Rio

Car insurance can cost a lot, but you may be missing some discounts to help offset the cost. A few discounts will be applied when you purchase, but less common discounts must be asked about prior to receiving the credit.Save money with discounts

As a footnote on discounts, some of the credits will not apply to the entire policy premium. Some only apply to the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like you could get a free car insurance policy, company stockholders wouldn’t be very happy.

The illustration below illustrates the comparison of Kia Rio annual premium costs with and without discounts being applied to the rates. The costs are based on a male driver, no violations or claims, Florida state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, claim-free, safe-driver, homeowner, and multi-policy discounts applied.

Companies that may include most of these discounts include:

If you need lower rates, check with every company how many discounts you can get. Some discounts listed above may not apply to policyholders in your state. For a list of providers who offer discounts in Florida, follow this link.

When to get advice from an insurance agency

A small number of people just prefer to sit down and talk to an agent and that is OK! One of the benefits of comparing insurance prices online is that drivers can save money and get the best rates and still choose a local agent.

Insurance agents in TampaAfter filling out this quick form, your insurance coverage information gets sent to companies in Tampa that give free quotes for your car insurance coverage. It makes it easy because there is no need to search for any insurance agencies since price quotes are sent to you. You can get cheaper car insurance rates without requiring a lot of work. If you need to compare prices from one company in particular, you just need to find their quoting web page to submit a rate quote request.

Picking an insurance company should depend on more than just a cheap price. The answers to these questions are important, too.

The different types of auto insurance agents

When looking for a local agent, you must know there are a couple different types of agents and how they can service your needs differently. Car insurance agents are classified as either independent agents or exclusive agents depending on their employer.

Exclusive Agents

These type of agents can only provide one company’s prices and some examples include AAA, Allstate, and State Farm. They usually cannot compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are very knowledgeable on sales techniques and that allows them to sell at a higher price point. Many people buy insurance from these agents partially due to the brand legacy rather than having low rates.

Below are Tampa exclusive agencies who can help you get comparison quotes.

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Independent Agents

Independent agencies are not limited to a single company so they can quote policies through many companies and find the cheapest car insurance rates. If prices rise, they simply move your policy to a different company and you stay with the same agent. If you are trying to find cheaper rates, we recommend you check rates from at least one independent agent to ensure the widest selection of prices. Most independent agents also contract with lesser-known insurance companies that may have much lower rates than larger companies.

The following is a list of independent agents in Tampa who can help you get comparison quotes.

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Don’t give up on cheap rates

When you buy Tampa auto insurance online, don’t be tempted to buy less coverage just to save a little money. There have been many situations where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

We just covered quite a bit of information on how to reduce Kia Rio insurance car insurance rates online in Tampa. It’s most important to understand that the more times you quote, the better chance you’ll have of finding affordable Tampa auto insurance quotes. You may even discover the lowest car insurance rates are with the smaller companies.

Insureds leave their current company for a number of reasons such as questionable increases in premium, policy cancellation, high prices and even delays in responding to claim requests. It doesn’t matter what your reason, choosing a new insurance company is actually quite simple.

Additional insurance information can be read on the following sites: