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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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Finding cheaper auto insurance through online companies can be fast and easy and there is a good chance you can save money. The most important part is to take the time to get rates from all providers in order to accurately compare the lowest rate quotes.

If you are a novice to online auto insurance shopping, you can be overwhelmed by the hoards of online companies offering insurance. There are several ways to compare quotes from different insurance companies. By far the easiest way to find the cheapest Kia Spectra insurance rates is to perform an online rate comparison. This can be accomplished by getting a quick quote here.

Car insurance premiums paid to insure a Kia Spectra can vary widely depending on several factors. Some of these factors include:

  • A clean driving record keeps rates low
  • Credit rating
  • Your gender can raise or lower rates
  • The deductible you choose
  • Safety rating of your Spectra
  • Your occupation
  • The level of coverage
  • Whether you own your home

An additional factor which can affect Kia Spectra insurance cost is the year of the vehicle. Models that are a few years old cost less than newer models so the costs to repair may result in lower rates. Conversely, newer models may have safety features such as a telematics system, a collision avoidance system, tire pressure monitors, and traction control which can help offset higher rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle below.

Coverage for liability

This coverage protects you from damage that occurs to a person or their property that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision insurance

This pays for damage to your Spectra from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Insurance for medical payments

Med pay and PIP coverage pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Personal Injury Protection is not available in all states and may carry a deductible.

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