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Kia Kia Spectra Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Feb 25, 2020

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Searching for lower insurance coverage rates? Consumers have options when looking for affordable Kia Spectra insurance. They can either waste time calling around to get rate comparisons or leverage the internet to find the lowest rates.

There are both good and bad ways to buy insurance coverage so you’re going to learn the proper way to compare rates for your Kia and get the best price possible either online or from local insurance agents.

Smart consumers take time to do rate comparisons quite often because rates are constantly changing. Just because you had the lowest price on Spectra insurance a few years ago other companies may now be cheaper. Ignore everything you know about insurance coverage because you’re about to find out the best methods to save money, get proper deductibles and limits, all at the lowest rate.

If you have a current car insurance policy or are shopping for new coverage, you can learn to cut your premiums while maintaining coverages. This information will help educate you on the most effective way to quote insurance and some tricks to saving. Consumers just need to understand the proper methods to compare rates online.

How to Compare Insurance Coverage Quotes

There are multiple methods to compare 2007 Kia Spectra insurance coverage quotes, but there is one way that is less time-consuming than others. You could spend your day discussing policy coverages with insurance agencies in your area, or you could use online quotes to get rates in a matter of minutes.

Many of the larger companies take part in a program where insurance shoppers enter their coverage request one time, and every company can give them a price determined by their information. This prevents consumers from doing quote forms for each company. To compare pricing click here to start a free quote.

The one disadvantage to pricing coverage this way is you cannot specify the insurers you want pricing from. So if you prefer to pick from a list of companies to compare, we have a listing of insurance coverage companies in your area. Click here to view list.

Whichever method you choose, compare the exact same deductibles and coverage limits with each company. If you are comparing differing limits you will not be able to truly determine the lowest rate.

Car insurance is unique, just like you

When buying the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions can aid in determining if your situation might need professional guidance.

  • How high should my medical payments coverage be?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I need to file an SR-22 for a DUI in my state?
  • Should I have combined single limit or split liability limits?
  • Does my insurance cover a custom paint job?
  • Is my cargo covered for damage or theft?
  • Can I rent a car in Mexico?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Free Auto Insurance Comparison

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Insurance coverage breakdown

Knowing the specifics of your policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Auto liability insurance

Liability coverage protects you from injuries or damage you cause to other’s property or people that is your fault. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as bail bonds, medical services and structural damage. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Collision coverage protection

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like driving through your garage door, crashing into a ditch, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, hitting a bird, vandalism, hitting a deer and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for expenses like ambulance fees, X-ray expenses and dental work. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

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