Compare Kia Rio Insurance Rate Quotes in Long Beach

Insurance for Kia RioWant to know an easy way to compare lower-priced Kia Rio insurance in Long Beach? No one in their right mind looks forward to paying for insurance, in particular when they could find better rates elsewhere.

Unbelievably, the vast majority of consumers in California have bought insurance from the same company for at least four years, and nearly half have never compared rates from other carriers. With the average premium in America being $1,847, drivers could pocket roughly 46.5% a year just by getting comparison quotes, but they mistakenly think it’s difficult to save money by comparing rate quotes.

Steps to finding better rates for Kia Rio insurance in Long Beach

The best way to get budget auto insurance rates in Long Beach is to compare prices regularly from insurers that sell auto insurance in California. Rates can be compared by completing these steps.

  1. Spend some time learning about how insurance works and the factors you can control to prevent rate increases. Many risk factors that drive up the price such as traffic citations and a negative credit history can be rectified by making lifestyle changes or driving safer. This article gives ideas to help prevent expensive coverage and get additional discounts that may be available.
  2. Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from a single company like Progressive or Allstate, while independent agencies can provide price quotes for a wide range of insurance providers.
  3. Compare the new quotes to your current policy to determine if you can save on Rio insurance in Long Beach. If you find a better price and decide to switch, ensure there is no coverage lapse between policies.
  4. Give notification to your current company of your intention to cancel your current policy. Submit the required down payment along with the signed application to your new company or agent. Once the application is submitted, put the proof of insurance certificate with your registration paperwork.

One key aspect when comparing rates is to make sure you’re comparing identical limits and deductibles on every quote request and and to get price estimates from as many different insurance providers as possible. This guarantees an accurate price comparison and a good representation of prices.

Lots of car insurance companies contend for your insurance dollar, so it can be very hard to choose a insurer and uncover the absolute cheapest price on Kia Rio insurance in Long Beach.

Best companies for low-cost Kia Rio insurance in California

The companies in the list below can provide price comparisons in California. If your goal is to find the cheapest auto insurance in Long Beach, we recommend you get rates from several of them to get a more complete price comparison.

Rates and statistics

The table shown below showcases a range of prices for Kia Rio models. Learning more about how car insurance premiums are calculated can be valuable when making informed decisions.

Kia Rio Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $298 $576 $500 $30 $150 $1,554 $130
Rio LX $298 $576 $500 $30 $150 $1,554 $130
Rio SX $342 $678 $500 $30 $150 $1,700 $142
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rate quotes do not factor in vehicle location which can increase or decrease prices noticeably.

Choosing deductibles

One of the hardest decisions when shopping for car insurance is what deductibles to buy. The comparisons below can help you understand the costs and benefits between high and low insurance deductibles. The first set of rates uses a $250 deductible and the second pricing table uses a $1,000 deductible.

Kia Rio insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $298 $576 $500 $30 $150 $1,579 $132
Rio LX $298 $576 $500 $30 $150 $1,579 $132
Rio SX $342 $678 $500 $30 $150 $1,725 $144
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Kia Rio insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $184 $362 $500 $30 $150 $1,226 $102
Rio LX $184 $362 $500 $30 $150 $1,226 $102
Rio SX $210 $426 $500 $30 $150 $1,316 $110
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rate information does not factor in specific garaging location which can influence rates considerably.

Based on the above data, using a $250 deductible will cost you roughly $31 more each month or $372 every year across all Kia Rio models than quoting the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 24 months between claim filings, you would come out ahead if you elect the higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $250 deductibles: $136
Average monthly premium for $1,000 deductibles (subtract): – $105
Monthly savings from raising deductible: $31
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

Difference between full coverage and liability only rates

The information below visualizes the comparison of Kia Rio yearly insurance costs with full physical damage coverage compared to only buying liability only. The rate quotes are based on a clean driving record, no at-fault accidents, $100 deductibles, single status, and no discounts are factored in.

When to drop comp and collision

There is no written rule of when to phase out physical damage coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let’s pretend your Kia Rio book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $5,000 after paying your deductible. If you are paying in excess of $500 annually for physical damage coverage, then you may want to consider only buying liability coverage.

There are a few situations where removing full coverage is not a good plan. If you still owe money on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.

Save money with these discounts on Kia Rio insurance in Long Beach

Companies don’t always list all available discounts in an easy-to-find place, so the following is a list of some of the more common in addition to some of the lesser obvious credits that you can use to lower your rates.

You should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most cut specific coverage prices like liability, collision or medical payments. Despite the appearance that you can get free auto insurance, it’s just not the way it works.

The diagram below shows the difference between Kia Rio insurance costs with and without discounts being applied to the rates. The premiums assume a female driver, no violations or accidents, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, multi-policy, marriage, and homeowner discounts applied.

Insurance companies who might offer most of the discounts above are:

If you need lower rates, check with all the companies which discounts can lower your rates. All car insurance discounts may not apply in your area.

Do I need a local insurance agent?

A lot of people prefer to get advice from a local agent and that is a smart decision One of the best bonuses of comparing insurance prices online is you may find better rates but also keep your business local. Buying insurance from local insurance agencies is definitely important in Long Beach.

Insurance agency in Long BeachOnce you complete this short form, your coverage information is sent to companies in Long Beach who will give competitive quotes and help you find cheaper coverage. It makes it easy because there is no need to find an agent since price quotes are sent to you directly. You can get cheaper auto insurance rates and a licensed agent to work with. In the event you want to get a comparison quote from a specific insurance company, don’t hesitate to visit that company’s website and give them your coverage information.

Pick the best car insurance agent in Long Beach for you

If you are wanting to find a local insurance agency, there are two different agency structures and how they differ in how they can insure your vehicles. Auto insurance policy providers are classified as either exclusive or independent.

Independent Agents (or Brokers)

Agents that elect to be independent are not employed by one company so they can quote policies with lots of companies and get you the best rates possible. If your agent finds better pricing, the business is moved internally and you don’t have to do anything. When comparing rate quotes, we recommend you get quotes from at a minimum one independent agency to have the most options to choose from.

Featured below is a short list of independent insurance agencies in Long Beach who can help you get rate quotes.

2316 E 7th StLong Beach, CA 90804(562) 439-0244View Map

5175 E Pacific Coast Hwy #304Long Beach, CA 90804(562) 735-3125View Map

2411 E Anaheim StLong Beach, CA 90804(562) 438-7000View Map

More Long Beach agents

Exclusive Agents

Agents of this type normally can only provide a single company’s rates like AAA, State Farm, Farmers Insurance, and Allstate. These agents are not able to provide other company’s prices so always compare other rates. Exclusive insurance agents receive a lot of sales training on sales techniques and that allows them to sell at a higher price point.

Shown below is a short list of exclusive agents in Long Beach willing to provide comparison quotes.

3253 E South St #103Long Beach, CA 90805(562) 634-2000View Map

4464 California PlLong Beach, CA 90807(562) 427-2014View Map

3912 Atlantic AveLong Beach, CA 90807(562) 490-0779View Map

More Long Beach agents

Finding the right car insurance agent requires you to look at more than just the price. These are valid questions to ask:

Affordable auto insurance premiums are possible

When searching for affordable Kia Rio insurance quotes, it’s very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where someone sacrificed liability limits or collision coverage only to regret at claim time that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage at the best price, not the least amount of coverage.

We just showed you a lot of ways to reduce Kia Rio insurance rates online in Long Beach. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding cheaper Long Beach auto insurance quotes. Consumers could even find that the best price on auto insurance is with a lesser-known regional company. These smaller insurers may often insure only within specific states and give better rates than the large multi-state companies such as Allstate or State Farm.

Some insurance companies may not have internet price quotes and most of the time these regional carriers provide coverage only through independent agents. Lower-priced auto insurance in Long Beach is attainable both online and from local insurance agents, and you need to comparison shop both so you have a total pricing picture.

Steps to finding discount Kia Rio insurance in Long Beach

Truthfully, the best way to get the cheapest Kia Rio insurance is to do a yearly price comparison from insurers in Long Beach. You can compare prices by following these steps.

One important bit of advice is to compare the same deductibles and limits on each quote request and and to compare as many companies as you can. This ensures a fair rate comparison and a better comparison of the market.

Much more information about auto insurance in California is located on the following sites: