Kia Kia Spectra Insurance Rates
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UPDATED: Feb 25, 2020
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Have you had enough of robbing Peter to pay Paul to buy car insurance? Your situation is no different than many other drivers.
Drivers have multiple insurers to buy insurance from, and even though it’s nice to have a selection, too many choices makes it more difficult to compare rates and find the lowest cost auto insurance.
Where Can I Get Cheap Insurance Coverage?
Most companies like Allstate and Progressive allow you to get insurance quotes directly from their websites. Getting quotes is quite simple as you just enter the coverage amounts you desire as detailed in the form. Once you submit the form, the system pulls your driving and credit reports and generates a price based on these factors. This helps simplify price comparisons, but the work required to visit different websites and fill out multiple forms can be a bit repetitive. But it’s absolutely necessary to compare as many rates as possible in order to get the lowest insurance coverage rates.
An easier way to locate the lowest prices uses one simple form to get prices from many companies. The form is fast, eliminates repetitive work, and makes price shopping online much more efficient. After your information is entered, it is quoted and you are able to buy any one of the quotes that you receive. If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The entire process can be completed in less than 10 minutes and you will find out if you’re overpaying now.
To quickly compare rates using this form now, simply click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you copy deductibles and limits just like they are on your policy. This guarantees you’re receiving rate comparison quotes based on the exact same insurance coverage.
Don’t overlook these discounts
Auto insurance companies don’t necessarily list all their discounts very clearly, so we took the time to find some of the best known and also the lesser-known discounts you could be receiving.
- Claim Free – Drivers who don’t have accidents can save substantially compared to accident-prone drivers.
- Service Members Pay Less – Being on active duty in the military can result in better rates.
- Drive Less and Save – Fewer annual miles on your Kia can earn discounted rates on garaged vehicles.
- New Vehicle Savings – Insuring a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
- Student Driver Training – Have your child take driver’s ed class in school.
- Passive Restraint Discount – Cars that have air bags may earn rate discounts of 20% or more.
- Pay Upfront and Save – By paying your policy upfront instead of paying each month you may reduce your total bill.
- Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
- Early Signing – A few companies offer discounts for signing up before your current expiration date. This can save 10% or more.
As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, auto insurance companies aren’t that generous.
For a list of providers with the best auto insurance discounts, follow this link.
Is my situation unique?
When choosing coverage, there really is no best way to insure your cars. Every situation is different and your policy should reflect that. Here are some questions about coverages that might point out whether your personal situation might need an agent’s assistance.
- Why am I required to get a high-risk car insurance policy?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Can I rent a car in Mexico?
- Is rental equipment covered for theft or damage?
- Is my teenager covered with friends in the car?
- Am I covered when driving on a suspended license?
If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.
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Car insurance 101
Learning about specific coverages of your policy helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages found on the average insurance policy.
Collision coverage – This will pay to fix damage to your Spectra from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against claims like damaging your car on a curb, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.
Liability coverages – This coverage can cover damage that occurs to other people or property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.
Liability can pay for things like legal defense fees, funeral expenses, pain and suffering and structural damage. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.
UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2002 Kia Spectra.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.
Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like hospital visits, doctor visits and chiropractic care. They are often utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay
Comprehensive or Other Than Collision – This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like hail damage, rock chips in glass, falling objects, vandalism and theft. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
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