Cheaper 2003 Kia Spectra Car Insurance Quotes

Looking for cheaper insurance rates for your Kia Spectra? No one likes buying insurance, particularly when the price is too high. Many car insurance companies compete for your business, and it can be difficult to compare rates to discover the definitive lowest rate

If you have insurance now or are looking for a new policy, you will benefit by learning to get lower rates and possibly find even better coverage. Finding the best rates is easy if you know what you’re doing. Vehicle owners just need to know the proper way to compare price quotes online.

Auto insurance discounts help reduce rates

Auto insurance companies don’t always list every policy discount very clearly, so the following list contains both the well known and also the more inconspicuous discounts that you can inquire about if you buy insurance online.

  • Good Student – This discount can save 20 to 25%. Many companies even apply the discount to college students up to age 25.
  • Discounts for Federal Employees – Federal government employees can earn a discount up to 10% for Spectra insurance with select insurance companies.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a break if you buy auto and life insurance together.
  • Driving Data Discount – People who choose to allow their company to study driving patterns through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if they are good drivers.
  • Driver’s Ed – It’s a good idea to have your young drivers enroll in driver’s education in school or through a local driver safety program.
  • Auto/Home Discount – If you can combine your auto and homeowners policy with the same company you may earn over 10 percent off each policy depending on the company.
  • Membership in Organizations – Participating in a professional or civic organization can get you a small discount when getting a insurance quote.
  • Distant Student – Kids who live away from home at college and do not have access to a covered vehicle may qualify for this discount.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.

Just know that some of the credits will not apply to the entire policy premium. Some only apply to individual premiums such as liability and collision coverage. Just because it seems like you could get a free auto insurance policy, company stockholders wouldn’t be very happy.

Insurance companies that have some of the above discounts possibly include:

Before buying, ask all the companies how you can save money. Some of the discounts discussed earlier might not be offered on policies in your area. To see a list of auto insurance companies who offer discounts, click here to view.

Compare car insurance quotes online

Finding a lower price on 2003 Kia Spectra insurance is pretty simple and can save money. You just need to invest a few minutes to compare free insurance quotes to see which company has affordable insurance quotes. You can get a good selection of rate quotes in a couple of different ways.

  • If you don’t have a lot of time, the easiest way consumers can analyze rates is a comparison rater form click here to open form in new window. This style of form keeps you from doing boring form submissions for each company you want a rate for. One form submission will get you rate comparisons from all major companies.
  • A different way to compare prices requires visiting each company’s website and get a separate price quote. For instance, we’ll pretend you want comparison quotes from Nationwide, 21st Century and State Farm. In order to get each rate, you would have to spend time on each company’s site and punch in your information repeatedly, which is not fast way to get rate quotes. To view a list of companies in your area, click here.
  • The least efficient way to find and compare rates is physically going to different agent offices. Shopping for car insurance online reduces the need to sit down with an agent unless you have a complicated situation and need the professional advice only provided by licensed agents. Although you can get the lowest quotes online and have a local agent actually service the policy.

Whichever way you use, be sure to compare exactly the same coverage information for every quote you compare. If you use mixed coverages it will be nearly impossible to truly determine the lowest rate.

Lower the price of insurance coverage with these tips

Multiple criteria are taken into consideration when premium rates are determined. Some are obvious such as your driving history, but other factors are more transparent such as your credit history or how financially stable you are.A large part of saving on insurance coverage is knowing some of the factors that go into determining your premiums. When consumers understand what positively or negatively impacts your premiums, this enables you to make decisions that could help you find lower insurance coverage prices.

  • Liability coverage – A critical coverage on your policy, liability insurance provides coverage in the event that a court rules you are at fault for causing personal injury or damage in an accident. Liability provides for a legal defense which can cost a lot. This coverage is relatively inexpensive compared to other policy coverages, so buy as much as you can afford.
  • Discounts for married couples – Walking down the aisle may earn you lower rates when shopping for insurance coverage. Marriage translates into being more mature and responsible it has been statistically shown that married drivers tend to have fewer serious accidents.
  • Younger drivers pay more – Teen drivers are proven to be easily distracted when at the wheel of a vehicle so they pay higher insurance coverage rates. Adding a first-time driver onto your insurance coverage can be quite pricey. More experienced drivers are proven to be safer behind the wheel, cause fewer claims and accidents , and usually have better credit.
  • Better premiums for uninterrupted coverage – Driving without insurance can get you a ticket and insurance coverage companies will penalize you for letting your insurance lapse. Not only will rates go up, being ticketed for driving with no insurance may result in a hefty fine and possibly a revoked license.
  • Raising deductibles saves money – Comprehensive and collision coverage deductibles state the amount of money you are required to pay in the event of a claim. Insurance for physical damage, also called comprehensive and collision insurance, protects your car from damage. Some examples of covered claims are colliding with a stationary object, damage caused by hail, and damage from wind. The more of the claim you choose to pay out-of-pocket, the lower your rates will be for Spectra insurance.
  • Extra policy coverages that aren’t used – There are many add-on coverages that sound like a good idea at the time on your Spectra policy. Insurance for things like roadside assistance, towing coverage, and extra life insurance coverage are examples of these. These coverages may sound good at first, but if you have no use for them remove them and pocket the money.
  • What’s your car’s IIHS safety rating? – Cars with high safety ratings tend to be cheaper to insure. Safe vehicles help reduce the chance of injuries in an accident and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders. If the Kia Spectra earned at least four stars on Safercar.gov you may be receiving a better rate.

Which is the best car insurance?

When it comes to buying adequate coverage for your vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions can aid in determining whether or not you would benefit from professional advice.

  • Am I covered when driving in Canada or Mexico?
  • Do I need special endorsements for business use of my vehicle?
  • Do I have newly-aquired coverage?
  • Should I buy only the required minimum liability coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • How much can I save by bundling my policies?
  • What discounts do I qualify for?
  • What can I do if my company denied a claim?
  • Should I bundle my homeowners policy with my auto?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverages 101

Understanding the coverages of your insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on the average insurance policy.

Liability – This protects you from damage that occurs to a person or their property that is your fault. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things like pain and suffering, legal defense fees, attorney fees and funeral expenses. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Comprehensive auto coverage – This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, damage from flooding, vandalism and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage – This coverage covers damage to your Spectra resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as hitting a parking meter, driving through your garage door and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as chiropractic care, surgery and nursing services. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Kia Spectra.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Power to the consumer

Some companies may not have rate quotes online smaller providers only sell through independent insurance agents. Cheaper 2003 Kia Spectra insurance is attainable from both online companies and from local agencies, and you should compare price quotes from both in order to have the best price selection to choose from.

You just read a lot of information how to shop for 2003 Kia Spectra insurance online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even find the best price on insurance coverage is with an unexpected company. These companies can often insure niche markets at a lower cost than their larger competitors like GEICO and State Farm.

More information can be found at the links below