Cheap Insurance for a Kia Rio in Scottsdale

It’s well known that auto insurance companies don’t want customers comparing rates. Drivers who shop around for the cheapest rate will most likely switch auto insurance companies because there is a significant possibility of finding a more affordable policy. A recent auto insurance study revealed that drivers who routinely shopped around saved approximately $3,450 over four years compared to those who don’t make a habit of comparing rates.

If finding the lowest price for insurance is your objective, learning the best way to shop and compare auto insurance can help you be more efficient.

Discount Kia Rio insuranceThe easiest way to find affordable auto insurance rates is to compare quotes once a year from insurers who can sell car insurance in Scottsdale.

  1. Take a little time to learn about what coverages are included in your policy and the things you can control to drop your rates. Many factors that drive up the price like distracted driving and a not-so-good credit score can be rectified by making lifestyle changes or driving safer. Later in this article we will cover instructions to help keep prices low and get additional discounts.
  2. Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like Progressive or State Farm, while independent agencies can give you price quotes for a wide range of insurance providers. Start a quote
  3. Compare the new rate quotes to your existing rates and determine if there is any savings. If you find a better price and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Provide proper notification to your current company of your decision to cancel your current auto insurance policy and submit the completed application along with a down payment to the new company. As soon as you can, store the certificate verifying coverage along with the vehicle’s registration papers.

A tip to remember is that you’ll want to make sure you compare similar limits and deductibles on every quote and and to get prices from as many companies as possible. Doing this helps ensure a fair rate comparison and the best price quote selection.

Low Cost companies for Kia Rio insurance in Arizona

The companies shown below have been selected to offer comparison quotes in Arizona. In order to find the best cheap car insurance in Scottsdale, we suggest you compare several of them to find the most competitive car insurance rates.

Kia Rio insurance coverage information

The information displayed below showcases detailed analysis of insurance coverage prices for Kia Rio models. Understanding more about how insurance prices are established helps drivers make smart choices when purchasing an auto insurance policy.

Kia Rio Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $198 $448 $410 $24 $122 $1,202 $100
Rio LX $198 $448 $410 $24 $122 $1,202 $100
Rio SX $226 $528 $410 $24 $122 $1,310 $109
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can revise price quotes greatly.

The illustration below highlights how deductible selection and can impact Kia Rio insurance premiums for each different age group. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Insurance rate increases from tickets or accidents

The illustration below illustrates how traffic citations and at-fault accidents increase Kia Rio car insurance costs for each different age group. The information is based on a married male driver, full coverage, $1,000 deductibles, and no discounts are applied.

Cheaper Scottsdale car insurance rates with discounts

Companies offering auto insurance don’t always publicize the entire discount list very clearly, so we took the time to find some of the more common and also the lesser-known credits available to lower your premiums when you buy Scottsdale car insurance online.

Just know that some of the credits will not apply to the overall cost of the policy. Most only reduce individual premiums such as comprehensive or collision. If you do the math and it seems like all the discounts add up to a free policy, it just doesn’t work that way.

The illustration below compares Kia Rio auto insurance costs with and without some available policy discounts. The premiums are based on a male driver, no claims, a clean driving record, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, homeowner, multi-car, and marriage discounts applied.

To view car insurance companies with the best Kia Rio insurance discounts in Scottsdale in Scottsdale, follow this link.

Everyone needs different insurance coverages

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine if your situation may require specific advice.

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Independent versus exclusive car insurance agents

Many people still prefer to sit down with an agent and doing that can be a smart decision Agents can help you choose the best coverages and help in the event of a claim. One of the benefits of getting free rate quotes online is you can get the lowest rates and also buy local.

Scottsdale insurance agentsTo help locate an agent, after submitting this form (opens in new window), your insurance data gets sent to local insurance agents who can give free rate quotes for your coverage. You don’t have to search for any insurance agencies as quotes are delivered directly to your email. If you want to compare rates for a specific company, you can always jump over to their website and give them your coverage information.

Choosing a insurer is decision based upon more than just a cheap price. Here are some questions you might want to ask.

Do you need an independent or exclusive car insurance agent?

If you want to use a good Scottsdale insurance agent, it’s helpful to know the types of insurance agents to choose from. Agencies in Scottsdale can be categorized as either exclusive or independent. Both can sell affordable car insurance policies, but it’s worth mentioning the difference between them because it may have an impact on buying decisions.

Exclusive Insurance Agencies

These agents have only one company to place business with and some examples include State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to provide prices from multiple companies so it’s a take it or leave it situation. These agents are usually well trained on their company’s products which can be an advantage. Consumers often use the same agent partially due to the prominence of the brand and the convenience of having a single billing for all their coverages.

The following is a short list of exclusive insurance agencies in Scottsdale who may provide you with price quotes.

More Scottsdale agents

Independent Car Insurance Agents

These agents are not employed by any specific company and that enables them to quote your coverage amongst many companies and find you cheaper rates. If premiums increase, they simply move your policy to a different company and you don’t have to do anything.

If you are comparing car insurance prices, it’s recommended you get quotes from at a minimum one independent agency so that you have a good selection of quotes to compare. They also have the ability to place coverage with less well-known companies which could offer lower prices.

Below is a short list of independent agencies in Scottsdale who can help you get rate quotes.

More Scottsdale agents

A little work can save a LOT of money

Drivers change insurance companies for any number of reasons including policy non-renewal, high prices, poor customer service or not issuing a premium refund. Regardless of your reason, switching car insurance companies is pretty simple and you could end up saving a buck or two.

When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped full coverage and learned later that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find at the lowest possible cost.

In this article, we presented a lot of techniques to find cheaper Kia Rio insurance in Scottsdale. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the most savings is with an unexpected company.

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