Save Money on Kia Rio Insurance in Lincoln

Really, the only way to find low-cost prices for auto insurance rates is to regularly compare quotes from providers in Lincoln. You can shop around by following these steps.

1. Take a little time to learn about how companies price auto insurance and the modifications you can make to prevent rate increases. Many policy risk factors that increase rates such as traffic violations and a less-than-favorable credit history can be improved by making minor changes to your lifestyle. Read the full article for more details to get lower rates and get discounts that may be available to you.
2. Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO and State Farm, while independent agencies can provide price quotes from multiple companies.
3. Compare the new rates to your existing coverage to see if cheaper Rio coverage is available. If you can save some money and change companies, make sure coverage does not lapse between policies.
4. Give proper notification to your current agent or company to cancel the current policy and submit payment and a completed application for your new coverage. Be sure to store the proof of insurance certificate in your vehicle.

The key aspect of shopping around is that you’ll want to compare the same deductibles and limits on every price quote and and to analyze as many companies as possible. This helps ensure a level playing field and a complete price analysis.

Surprisingly, a recent survey revealed that the vast majority of drivers have remained with the same auto insurance company for four years or more, and roughly 40% of drivers have never even compared quotes to find cheaper rates. American drivers could pocket up to $850 a year, but they feel it’s too difficult to save money by comparing rate quotes.

All major insurance companies provide pricing direct online. Doing online quotes for Kia Rio insurance in Lincoln can be done by anyone as you just enter your coverage information on the page. After the form is submitted, the quote system pulls your driving and credit reports and returns pricing information based on the data you entered.

Quoting online for Kia Rio insurance in Lincoln helps simplify price comparisons, and it’s very important to do this if you want to find the lowest payment on insurance.

If you want to compare pricing, check out the insurance providers below. If you have your current policy handy, we recommend you input your coverages identical to your current policy. This ensures you will have comparison quotes based on identical coverages.

The following companies can provide comparison quotes in Nebraska. To get cheap auto insurance in Lincoln, NE, we recommend you visit two to three different companies in order to find the lowest rates.

Lincoln auto insurance discounts

Auto insurance companies don’t always list all discounts in a way that’s easy to find, so below is a list both the well known in addition to some of the lesser obvious discounts that may be available.

• Onboard Data Collection – Lincoln drivers who agree to allow driving data collection to spy on driving habits by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if their driving habits are good.
• Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in school.
• Theft Deterrent Discount – Cars equipped with tracking devices and advanced anti-theft systems can help prevent theft and will qualify for a discount on a Lincoln car insurance quote.
• Passive Restraint Discount – Vehicles equipped with air bags could see savings of up to 25% or more.
• Senior Discount – Mature drivers can possibly qualify for a small discount on rates.
• Professional Memberships – Joining qualifying clubs or civic groups could trigger savings on your next renewal.
• Full Payment Discount – By paying your policy upfront instead of making monthly payments you may have a lower total premium amount.
• Distant Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from Lincoln and do not have access to a covered vehicle could get you a discount.
• Defensive Driver Discount – Taking time to complete a class that teaches defensive driving techniques may get you a small discount if your company offers it.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to the overall cost of the policy. Most only cut specific coverage prices like liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, that’s just not realistic. But all discounts will definitely lower your policy cost.

The example below illustrates the comparison of Kia Rio insurance costs with and without discounts being applied to the rates. The prices are based on a female driver, no driving violations, no at-fault accidents, Nebraska state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, homeowner, safe-driver, claim-free, and multi-policy discounts applied.

For a list of insurers that offer some of these discounts in Lincoln, click this link.

Kia Rio insurance coverage information

The rate information shown below highlights detailed analysis of policy rates for Kia Rio models. Having a good grasp of how insurance policy premiums are calculated can help you make informed coverage decisions.

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rate information does not factor in specific location which can decrease or increase insurance rates significantly.

Where to set your deductibles

One frequently asked question is which deductibles should you choose. The figures shown below illustrate the rate differences between low and high policy deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second set of rates uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Estimates do not factor in specific location information which can affect auto insurance rates considerably.

Using the data above, we can ascertain that using a $250 deductible could cost the average driver approximately $13 more each month or $156 every year across all Kia Rio models than choosing the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 19 months between claims, you would save more money by going with a higher deductible.

Insurance rate increases from tickets or accidents

The chart below shows how traffic citations and fender-benders can raise Kia Rio car insurance rates for each different age group. The costs are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

How Insurance Companies Calculate Kia Rio Insurance Prices

Multiple criteria are considered when you quote your car insurance policy. Some are obvious like an MVR report, although some other factors are less obvious such as your credit history or your commute time.

• What’s your car’s safety rating? – Vehicles that have high safety ratings cost less to insure. Highly rated vehicles have better occupant injury protection and lower rates of occupant injuries translates into savings for insurance companies and cheaper rates on your policy. If the Kia Rio scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.

• Is your car built for speed? – The make and model of the car or truck you own makes a big difference in the rate you pay. The lowest premiums tend to be for low performance passenger cars, but the cost you end up paying is determined by many additional factors.

  The chart below assumes a married male driver age 20, full coverage with $500 deductibles, and no discounts or violations. It shows Kia Rio car insurance rates compared to other models that have a range of performance rating factors.

• Is your vehicle theft-ready? – Buying a car with advanced anti-theft systems can save you a little every year. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent your car from being stolen.

• Costs also based on gender – Statistics have proven that females tend to be a little less risky than males. The data does not necessarily mean that men are worse drivers. Men and women get in at-fault accidents at a similar rate, but guys tend to have more serious accidents. Men also tend to get ticketed for serious violations like DUI and reckless driving. Teenage male drivers cause the most accidents and thus pay the highest rates.

  The information below shows the difference between Kia Rio yearly insurance costs for male and female drivers. The premiums assume no claims or driving violations, comp and collision included, $100 deductibles, marital status is single, and no additional discounts are factored in.

• Premiums are lower the older you get – Older insureds are more responsible, are lower risk to insure, and usually have better credit. Beginning drivers have been known to get distracted easily when driving with friends and because of this, their auto insurance rates are much higher.

  The data below assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Minor frequent insurance claims are not good – Car insurance companies in Nebraska give discounts to policyholders who do not file claims often. If you are the type of insured that files lots of claims you can definitely plan on increased rates or even have your policy non-renewed. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.

• Insurance loss data for Kia Rio vehicles – Insurers analyze historical claim data as a tool for profitable underwriting. Vehicles that statistically have increased losses will have higher premium rates. The next table shows the compiled insurance loss statistics for Kia Rio vehicles.

  For each policy coverage, the claim amount for all vehicles averaged together is a value of 100. Numbers under 100 suggest a better than average loss history, while values that are above 100 indicate a higher chance of having a claim or an increased likelihood of larger losses.

  
  

  Kia Rio Insurance Claim Statistics

  Specific Kia Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Kia Rio	90	109	81	141	158	127

  BETTER

  AVERAGE

  WORSE

  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Local Lincoln insurance agencies and auto insurance

Some people would prefer to get advice from a local agent and we recommend doing that Insurance agents will help you protect your assets and help in the event of a claim. One of the benefits of comparing rate quotes online is the fact that drivers can get cheaper premium rates and still choose a local agent.

Upon completion of this simple form, your coverage information is instantly submitted to insurance agents in Lincoln that provide free Lincoln car insurance quotes to get your business. It makes it easy because there is no need to even leave your home as quotes are delivered immediately to you. If you need to get a price quote from a specific company, just search and find their rate quote page and fill out their quote form.

Finding the right insurer needs to be determined by more than just a low price. Here are some questions you might want to ask.

• Is the quote a firm price?
• Is every driver in your family covered?
• How many years have they been established?
• What is the financial rating for the quoted company?
• Does the agency support the community they serve?
• How experienced are they in personal risk management?
• Can you use your own choice of collision repair facility?
• Is there a local claims center in Lincoln?

If you are wanting to find a local Lincoln insurance agent, it helps to know the two different types of agents and how they operate. Auto insurance agents in Lincoln are categorized either independent agents or exclusive agents depending on their employer. Either type can write auto insurance policies, but it’s worth learning the difference in the companies they write for since it could factor into the selection process.

Exclusive Insurance Agents

Exclusive insurance agents are contracted to one company and some examples include State Farm or Allstate. Exclusive agents are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive insurance agents are usually well trained on their products and sales techniques which aids in selling service over price. Consumers sometimes choose to use a exclusive agent partially due to the prominent brand name rather than having low rates.

Below is a list of exclusive insurance agencies in Lincoln that can give you price quotes.

• American Family Insurance – Linde Matthiesen
  245 S 84th St #117 – Lincoln, NE 68510 – (402) 489-7799 – View Map
• American Family Insurance – James L. Brown Agency Inc
  4500 Cornhusker Hwy Ste 1 – Lincoln, NE 68504 – (402) 465-0748 – View Map
• Allstate Insurance: Erik Brooks
  1600 Normandy Ct #110 – Lincoln, NE 68512 – (402) 261-3959 – View Map

View more Lincoln agents

Independent Agencies or Brokers

These type of agents do not sell for just one brand and that is an advantage because they can write policies through many companies and possibly get better coverage at lower prices. If premiums increase, the agent simply finds a different carrier and you don’t have to do anything. When comparing rate quotes, you need to compare quotes from at a minimum one independent agency so that you can do a thorough price comparison. They often place coverage with companies that do not advertise much that may provide cheaper auto insurance rates.

Shown below is a list of independent insurance agents in Lincoln who can help you get rate quotes.

• INSPRO Insurance
  4000 Pine Lake Rd – Lincoln, NE 68516 – (402) 483-4500 – View Map
• Union Agency Inc
  4719 Prescott Ave – Lincoln, NE 68506 – (402) 810-7582 – View Map
• Mid Mex Insurance Inc
  1010 South St A – Lincoln, NE 68502 – (402) 438-6800 – View Map

View more Lincoln agents

Cheaper auto insurance is a realistic goal

As you shop your coverage around, make sure you don’t buy poor coverage just to save money. There are a lot of situations where drivers have reduced uninsured motorist or liability limits to discover at claim time that it was a big mistake. The proper strategy is to purchase plenty of coverage at an affordable rate.

Budget-conscious Kia Rio insurance can be sourced on the web and with local Lincoln insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies may not provide price quotes online and usually these smaller companies only sell through independent insurance agents.

We covered a lot of techniques to get a better price on Kia Rio insurance in Lincoln. The key thing to remember is the more rate quotes you have, the better likelihood of getting inexpensive Lincoln car insurance quotes. You may even be surprised to find that the best premium rates are with some of the lesser-known companies.

Helpful information

• Uninsured Motorists: Threats on the Road (Insurance Information Institute)
• Who Has Cheap Car Insurance Rates for a Nissan Altima in Lincoln? (FAQ)
• How Much are Lincoln Auto Insurance Rates for a Honda CR-V? (FAQ)
• Who Has Cheap Lincoln Car Insurance for a Toyota Camry? (FAQ)
• How Much is Auto Insurance for Single Moms in Lincoln? (FAQ)
• Who Has Cheap Lincoln Auto Insurance for High School Students? (FAQ)
• Rental Reimbursement Coverage (Allstate)
• How do I File a Claim? (Insurance Information Institute)
• Insurance losses by make and model (Insurance Institute for Highway Safety)