Think you have an overpriced car insurance policy? Don’t sweat it because there are many San Antonio drivers thinking the same thing. Big companies like State Farm, Allstate, GEICO and Progressive increase brand awareness with TV and radio ads and it can be hard to ignore the propoganda and take the time to shop coverage around.
It’s important to shop coverage around every six months because car insurance rates trend upward over time. Despite the fact that you may have had the best rate on Rio coverage a year ago the chances are good that you can find a lower price today. Block out anything you think you know about car insurance because you’re about to find out one of the easiest ways to eliminate unnecessary coverages and save money.
The most recommended method to compare car insurance company rates is to understand most of the larger companies will pay a fee to provide you with a free rate quote. All you need to do is provide a small amount of information like what you do for a living, which vehicles you own, if it has an alarm system, and how much you drive. The rating information is instantly submitted to many different companies and you will receive price estimates with very little delay.
To check Kia Rio insurance prices now, click here and find out if you can get cheaper insurance.
Are you earning every discount?
Some companies don’t always advertise every possible discount very well, so we researched a few of the more common and the more hidden credits that you can use to lower your rates.
- Payment Method – By paying your policy upfront rather than paying monthly you may have a lower total premium amount.
- Employee of Federal Government – Federal government employees can save as much as 8% on Rio coverage with select insurance companies.
- Multi-car Discount – Purchasing coverage when you have multiple cars or trucks on the same car insurance policy can reduce rates for all insured vehicles.
- ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control can reduce accidents and earn discounts up to 10%.
- Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle their seat belts may be able to save a few bucks off the medical payments premium.
Please keep in mind that many deductions do not apply to the entire cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, you aren’t that lucky.
Companies and some of the discounts are:
- State Farm offers discounts including multiple policy, Steer Clear safe driver discount, defensive driving training, multiple autos, safe vehicle, student away at school, and accident-free.
- GEICO may offer discounts for membership and employees, anti-lock brakes, five-year accident-free, driver training, and multi-policy.
- Allstate offers discounts for early signing, good student, 55 and retired, eSmart discount, resident student, and anti-theft.
- SAFECO may include discounts for bundle discounts, homeowner, accident prevention training, anti-lock brakes, drive less, teen safe driver, and multi-car.
- Farm Bureau offers premium reductions for multi-vehicle, renewal discount, 55 and retired, good student, youthful driver, safe driver, and driver training.
- Progressive discounts include multi-policy, online signing, good student, multi-vehicle, continuous coverage, homeowner, and online quote discount.
- AAA has savings for anti-theft, multi-policy, good driver, multi-car, education and occupation, pay-in-full, and AAA membership discount.
Before purchasing a policy, check with every prospective company which discounts they offer. Some of the discounts discussed earlier may not apply to policies in your state. To find car insurance companies who offer discounts in San Antonio, follow this link.
More tips and info about car insurance can be found at the Texas Department of Insurance website. Visitors are able to find out which companies have the most complaints, download brochures, find disaster information, and read state legal mandates and laws.
The following information may also be useful.
One last thing
Cheaper car insurance is available both online as well as from insurance agents, so you need to with both to have the best chance of lowering rates. Some insurance companies may not offer price quotes online and most of the time these regional carriers sell through independent agencies.
In this article, we presented a lot of ways to lower your Kia Rio insurance rates. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding . You may even discover the most savings is with a smaller regional carrier. These companies may cover specific market segments cheaper as compared to the big name companies such as State Farm and Allstate.
When you , make sure you don’t buy poor coverage just to save money. There have been many cases where an accident victim reduced full coverage only to regret that it was a big mistake. The ultimate goal is to get the best coverage possible at the best price and still be able to protect your assets.