Trying to find lower auto insurance rates for your Kia Spectra? Are you confused by the sheer number of auto insurance companies? You’re not alone. There are so many choices that it can be a challenge to compare prices.
It’s important to price shop coverage yearly due to the fact that insurance rates fluctuate regularly. Just because you found the lowest rates on Spectra insurance last year you can probably find a better price now. So just forget all the misinformation about auto insurance because we’re going to show you the fastest and easiest way to find lower rates on auto insurance.
Buying car insurance is easy if you know what you’re doing. Just about anyone who has to buy insurance will be able to reduce their rates. But vehicle owners do need to understand the way companies sell insurance online and use this information to your advantage.
Effectively comparing insurance prices can be a daunting task if you don’t know the best way to get rate quotes. You can waste a lot of time talking to insurance agencies in your area, or you can stay home and use the web to get pricing more quickly.
Many popular insurance companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and each company can give them a price based on that information. This eliminates the need for repetitive form submissions for each company you want a rate for.
To use this form to compare 2001 Kia Spectra insurance rates click to open in new window.
The one disadvantage to doing it this way is that consumers can’t choose which providers to get quotes from. If you would rather choose individual companies to compare, we have a listing of low cost insurance companies in your area. View list of insurance companies.
However you get your quotes, compare identical coverage information with every price quote. If you use higher or lower deductibles it will be next to impossible to determine the best price for your Kia Spectra. Just a small difference in coverage limits may result in a large different in cost. Keep in mind that comparing a large number of companies provides better odds of finding a better price.
Car insurance companies such as Allstate and Progressive continually stream ads on TV and radio. They all seem to have a common claim that you’ll save big after switching to their company. How do they all claim to save you money?
All the different companies have a certain “appetite” for the type of customer they prefer to insure. For example, a driver they prefer might be profiled as over the age of 50, is a homeowner, and has great credit. A propective insured who matches those parameters gets the lowest rates and most likely will pay quite a bit less when switching companies.
Potential customers who fall outside the “perfect” profile must pay higher rates which leads to business not being written. The ad wording is “people who switch” not “people who quote” save money. This is how companies can truthfully make those claims. This illustrates why drivers must quote coverage with many companies. Because you never know which company will fit your personal profile best.
It’s important that you understand the rating factors that come into play when calculating auto insurance rates. Understanding what impacts premium levels allows you to make educated decisions that could result in lower auto insurance prices.
Companies offering auto insurance don’t necessarily list all their discounts in an easy-to-find place, so we break down some of the more common and the harder-to-find insurance savings.
It’s important to note that some credits don’t apply to your bottom line cost. Some only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like adding up those discounts means a free policy, it just doesn’t work that way.
A partial list of companies that possibly offer some of the above discounts include:
Before buying, ask every prospective company how you can save money. Discounts might not apply in your state.
When choosing the right insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique.
For instance, these questions might point out if your situation will benefit from professional help.
If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.
Learning about specific coverages of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring.
Comprehensive coverage (or Other than Collision)
This will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims like damage from a tornado or hurricane, falling objects, a tree branch falling on your vehicle and a broken windshield. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Insurance for medical payments
Med pay and PIP coverage pay for expenses like prosthetic devices, hospital visits, nursing services and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
Collision coverage protection
Collision coverage will pay to fix damage to your Spectra resulting from a collision 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 pays for things such as scraping a guard rail, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.
Uninsured Motorist or Underinsured Motorist insurance
This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Kia Spectra.
Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Liability insurance
This coverage protects you from damage or injury you incur to other people or property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.
Liability can pay for claims like pain and suffering, structural damage, repair bills for other people’s vehicles, attorney fees and court costs. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.
As you prepare to switch companies, do not buy less coverage just to save a little money. There have been many cases where an accident victim reduced collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your focus should be to buy enough coverage at a price you can afford.
We’ve covered many ideas to save on 2001 Kia Spectra insurance. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even discover the lowest priced insurance comes from some of the smallest insurance companies.
Insureds who switch companies do it for many reasons like denial of a claim, delays in responding to claim requests, being labeled a high risk driver or even policy non-renewal. Regardless of your reason, finding a great new company is pretty simple and you could end up saving a buck or two.
Much more information about insurance can be read on the following sites: