The lowest advertised rates are not necessarily available from all advertisers on our site. Smartfinancial.com matches users to advertisers and insurance agents only after we've received certain information from you, and your rates may vary based on your coverage limits, deductibles, driving history, education, occupation, type of vehicle, and location, among other factors. The rates included in our advertising reflect the lowest monthly premium when paid semi-annually for a 2008 Kia Rio 4 Door Sedan driven for pleasure with less than 3000 miles per year for a male, 41 with an above-average driving record. Safe driver, association and alumni membership, and other discounts may have been applied.