Want 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.
- 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.
- 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.
- 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.
- 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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
- Paper-free Discount – A handful of companies give back up to $50 get Long Beach auto insurance online.
- Theft Deterrent Discount – Vehicles optioned with advanced anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
- Early Signing – Some companies provide a discount for signing up prior to the expiration date on your current Rio insurance policy. It’s a savings of about 10%.
- Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of 25 to 30%.
- Driver’s Education for Students – It’s a good idea to have your young drivers successfully take a driver’s education course if it’s offered in school.
- Good Students Pay Less – Excelling in school can earn a discount of 20% or more. This discount can apply up to age 25.
- Auto/Home Discount – If you can combine your homeowners and auto policy with the same company you could earn a discount of over 10 percent off each policy depending on the company.
- Long Beach Homeowners Discount – Just being a homeowner can earn you a little savings because owning a home is proof of financial responsibility.
- Life Insurance – If the company offers life insurance, you could get a discounted price on car insurance if you buy auto and life insurance together.
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.
Once 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.
Long Beach Insurance Services
2316 E 7th St – Long Beach, CA 90804 – (562) 439-0244 – View Map
Fox Benefits Insurance Agency
5175 E Pacific Coast Hwy #304 – Long Beach, CA 90804 – (562) 735-3125 – View Map
Galaxy Insurance Service, Inc
2411 E Anaheim St – Long Beach, CA 90804 – (562) 438-7000 – View Map
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.
Peter Chai – State Farm Insurance Agent
3253 E South St #103 – Long Beach, CA 90805 – (562) 634-2000 – View Map
Jose Olguin – State Farm Insurance Agent
4464 California Pl – Long Beach, CA 90807 – (562) 427-2014 – View Map
Inna Tseikhin – State Farm Insurance Agent
3912 Atlantic Ave – Long Beach, CA 90807 – (562) 490-0779 – View Map
Finding the right car insurance agent requires you to look at more than just the price. These are valid questions to ask:
- Do the coverages you’re quoting properly cover your vehicle?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- How will an accident affect your rates?
- Will they give you a referral list?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Which insurance companies are they affiliated with?
- Are there any discounts that you might be missing?
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.
- Step 1: Try to learn a little about how car insurance works and the factors you can control to lower rates. Many rating factors that cause rate increases such as at-fault accidents, careless driving, and poor credit rating can be controlled by making minor driving habit or lifestyle changes.
- Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like Progressive and State Farm, while agents who are independent can provide rate quotes for many different companies.
- Step 3: Compare the new quotes to your current policy premium to determine if you can save on Rio insurance. If you find better rates, make sure the effective date of the new policy is the same as the expiration date of the old one.
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:
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for First-time Drivers in Long Beach? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Toyota RAV4 in Long Beach? (FAQ)
- Who Has the Cheapest Auto Insurance for a Hyundai Santa Fe in Long Beach? (FAQ)
- What Auto Insurance is Cheapest for a Toyota Tacoma in Long Beach? (FAQ)
- What Insurance is Cheapest for Government Employees in Long Beach? (FAQ)
- How Much is Auto Insurance for Police Officers in Long Beach? (FAQ)
- Who Has the Cheapest Long Beach Car Insurance for Homeowners? (FAQ)
- Liability Insurance Coverage (Nationwide)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Teen Driving and Texting (State Farm)