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Kia Spectra Insurance Rates

Buying car insurance from online companies can be fast and easy and there is a good chance you will probably save money. The most important part is to compare rates from all providers in order to accurately compare all your choices.

If you're new to shopping for car insurance online, you can be overwhelmed by the hoards of online companies competing for your business. To find the best car insurance prices, there are several ways to compare rate quotes from local car insurance companies. The fastest way to find the cheapest Spectra insurance quotes is to get quotes online. This can be accomplished by getting a quick quote here.

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Insurance rates paid to insure a Kia Spectra will vary greatly depending on several factors. Some of these factors include:

  • A clean driving record keeps rates low
  • Your credit history
  • Where you live
  • Annual mileage can affect rates
  • Male drivers pay higher rates
  • The deductible you choose
  • Safety rating of your Spectra
  • Your profession
  • Your coverage level
  • Whether you own your home

One last important factor that helps determine the rate you pay on your Kia is the year of manufacture. Older models cost less so the costs to repair may result in lower rates. On the flip side, new Kia models may have options like an advanced theft deterrent system, all-wheel drive, and traction control so those may help offset higher rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle below.

Liability coverage

This coverage provides protection from damage that occurs to a person or their property in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so purchase as much as you can afford.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper Spectra insurance rates.

Comprehensive coverage

This covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount 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 removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is not universally available and may carry a deductible.

How Much are Kia Spectra Insurance Rates?