If you're searching for lower-cost insurance online, are you frustrated by the sheer number of insurance companies in your area? You're not alone. You have so many companies available that it is a real hassle to find lower premium rates on Kia Rio insurance. Everyone knows that Columbia is a good city to live in, but having to pay for pricey insurance makes it impossible to purchase enough protection.

Insurance quote for Kia Rio in ColumbiaA recent NerdWallet.com study revealed that almost 70% of insureds have bought insurance from the same company for at least the last four years, and about 40% of consumers have never quoted rates to find affordable coverage. The average driver in Columbia could cut their rates by $700 a year just by shopping around, but they don't know the amount of savings they would get if they switched to a cheaper policy.

When shopping for Kia Rio insurance in Columbia there are multiple ways to compare prices from local Columbia insurance companies. The fastest way to compare Kia Rio insurance prices is to perform an online rate comparison.

When quoting insurance, remember that comparing more prices helps increase your odds of locating lower pricing. Not every company allows you to get online rate quotes, so you need to compare price quotes from those companies as well.

The providers in the list below can provide free rate quotes in Columbia, SC. If multiple providers are shown, we suggest you get prices from several of them to get the cheapest price.

Kia Rio Insurance Cost Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $142 $280 $386 $22 $116 $946 $79
Rio LX $226 $512 $466 $28 $140 $1,372 $114
Rio SX $252 $612 $436 $26 $130 $1,456 $121
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in specific location which can influence coverage prices substantially.

Accidents and violations increase rates

The chart below shows how speeding tickets and accidents impact Kia Rio insurance premiums for different age groups of insureds. The rate quotes are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

Deductible comparison

The chart below illustrates how choosing a deductible and can increase or decrease Kia Rio annual premium costs for different insured age categories. The prices are based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Policy deductibles

A question often asked by Columbia drivers is the level to set your comp and collision deductibles. The data tables below summarize the rate differences when you buy lower versus higher physical damage coverage deductibles. The first price estimate table uses a $100 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.

Kia Rio insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $256 $530 $386 $22 $116 $1,335 $111
Rio LX $256 $530 $386 $22 $116 $1,335 $111
Rio SX $294 $624 $386 $22 $116 $1,467 $122
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Kia Rio insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $186 $358 $386 $22 $116 $1,068 $89
Rio LX $186 $358 $386 $22 $116 $1,068 $89
Rio SX $214 $422 $386 $22 $116 $1,160 $97
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Prices do not factor in specific location information which can raise or lower coverage prices greatly.

We can estimate from the data above that using a $100 deductible costs an average of $23 more each month or $276 for a full year than requesting the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 17 months between claims, you would more than likely save some money by going with a higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $100 deductibles: $115
Average monthly premium for $500 deductibles (subtract): - $92
Monthly savings from raising deductible: $23
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

Insurance discounts help lower rates for Kia Rio insurance in Columbia

Auto insurance companies don't necessarily list every available discount very well, so we researched a few of the more well known and the harder-to-find credits that you can use to lower your rates.Cheaper insurance with discounts

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Some only apply to individual premiums such as liability and collision coverage. Even though the math looks like you can get free auto insurance, it's just not the way it works. Any qualifying discounts will bring down your overall bill.

The best insurance companies and a selection of discounts can be read below.

Before purchasing a policy, check with each company or agent to give you their best rates. Some credits might not apply in your area. To see providers with discount rates in Columbia, click here.

Why you need quality insurance for your Kia Rio

Even though it's not necessarily cheap to insure a Kia in Columbia, insurance is mandatory in South Carolina but it also protects more than you think.

First, just about all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance coverage if you want to drive legally. In South Carolina these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a loan on your Rio, almost every bank will have a requirement that you buy insurance to ensure loan repayment if the vehicle is totalled. If you default on your policy, the bank may insure your Kia for a lot more money and require you to pay the higher price.

Third, insurance protects both your assets and your car. It will also provide coverage for medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses if anyone sues you for causing an accident. If damage is caused by hail or an accident, your policy will pay to restore your vehicle to like-new condition.

The benefits of insuring your Rio more than cancel out the cost, particularly for liability claims. According to a survey of 1,000 drivers, the average driver is overpaying more than $820 a year so compare quotes from several companies at least once a year to help ensure money is not being wasted.

What is the best car insurance coverage?

Keep in mind that when it comes to choosing adequate coverage, there really isn't a "perfect" insurance plan. Every situation is different so this has to be addressed.Drive safe and save For example, these questions may help highlight whether your personal situation may require specific advice.

If it's difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

When to get advice from a local insurance agent

A lot of people just prefer to talk to a local agent and that can be a smart move An additional benefit of comparing rate quotes online is that you can find lower rates and still buy from a local agent.

For easy comparison, once you complete this form (opens in new window), the quote information is immediately sent to agents in your area that can give you free Columbia auto insurance quotes and help you find cheaper coverage. You won't need to find an agent as quotes are delivered instantly to you. You can find lower rates without the usual hassles of price shopping. In the event you want to compare rates from one company in particular, don't hesitate to visit that company's website and give them your coverage information.

Choosing the best company requires you to look at more than just the price. These are some valid questions you should ask.

What types of car insurance agents are in Columbia?

When searching for a reputable agency, you must know there are a couple different agency structures and how they can quote your rates. Auto insurance agents can be categorized as either independent agents or exclusive agents.

Exclusive Insurance Agents

Agents in the exclusive channel can only provide one company's prices and some examples include Allstate, Farmers Insurance or State Farm. These agents are unable to compare other company's rates so it's a take it or leave it situation. These agents are usually well trained on their products and sales techniques which helps overcome the inability to quote other rates. A lot of people buy insurance from these agents mainly due to the prominent brand name and the convenience of having a single billing for all their coverages.

Listed below is a short list of exclusive agents in Columbia willing to provide comparison quotes.

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Independent Agents (or Brokers)

Agents of this type are not limited to a single company and that enables them to quote your coverage through lots of different companies and find you the best rates. To move your coverage to a new company, your agent can switch companies and you can keep the same agent.

When comparing auto insurance prices, we recommend you include price quotes from independent agents for the best price selection. Most also have access to additional companies that you may not be familiar with which could offer lower prices.

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

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