2005 Kia Spectra Insurance Cost

Trying to find cheaper insurance coverage rates for your Kia Spectra? Car owners that are new to comparing insurance coverage rates online will find locating low cost car insurance is quite challenging.

Compare car insurance quotes online

Most major insurance companies such as State Farm and Allstate give prices directly from their websites. Doing online price comparisons is possible for anyone as you just type in the coverage amounts you desire into the quote form. When the form is submitted, the system obtains your credit score and driving record and quotes a price based on these and other factors.

Online quotes makes it easy to compare insurance prices but the time it takes to visit each company’s website and repetitively type in the same information can get tiresome after awhile. But it is imperative to compare as many rates as possible if you want to find the best price on car insurance.

Online rates the easy way

A quicker way to find lower prices uses just one form to obtain quotes from multiple companies. This type of form saves time, eliminates form submissions, and makes comparison shopping a lot less work. Immediately after you send the form, your coverage is rated and you can select your choice of the returned quotes. If the quotes result in lower rates, you can simply submit the application and buy the new coverage. It just takes a couple of minutes and may save quite a bit of money.

In order to find out how much you’re overpaying now, click here to open in a new tab and enter your information. If you have your current policy handy, we recommend you enter the insurance coverages identical to your current policy. This helps ensure you’re receiving a rate comparison based on the exact same insurance coverage.

You may qualify for discounts

Companies that sell car insurance don’t necessarily list all disounts in a way that’s easy to find, so we break down both the well known and also the more inconspicuous credits available to lower your premiums when you buy car insurance online.

New Car Discount – Insuring a new car can get you a discount compared to insuring an older model.
E-sign Discounts – Some of the larger companies provide a small discount for signing up over the internet.
Good Students Pay Less – Getting good grades may save as much as 25% on a car insurance quote. Most companies allow this discount well after school through age 25.
Organization Discounts – Being a member of a professional or civic organization may earn a discount on your next renewal.
Discounts for Federal Employees – Federal government employees could provide a small rate reduction for Spectra coverage with a few car insurance companies.
Auto/Home Discount – If you combine your auto and homeowners policies with one company you will save up to 20% off your total premium.
Drivers Ed for Students – Have your child successfully complete driver’s ed class in high school.

A little disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, it’s just not the way it works. Any qualifying discounts will definitely lower your policy premium.

To see companies who offer online car insurance quotes, follow this link.

There’s no such thing as the perfect insurance policy

When buying adequate coverage, there is no cookie cutter policy. Each situation is unique.

For instance, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

Is my business laptop covered if it gets stolen from my vehicle?
Do all my vehicles need collision coverage?
Is my camper covered by my car insurance policy?
Is my teen driver covered when they drive my company car?
Is other people’s property covered if stolen from my vehicle?
How high should deductibles be on a 2005 Kia Spectra?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form.

Car insurance coverages 101

Having a good grasp of your policy aids in choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for hospital visits, ambulance fees and dental work. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like rock chips in glass, a tree branch falling on your vehicle, hitting a deer, hitting a bird and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto collision coverage

This will pay to fix damage to your Spectra caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a ditch, colliding with another moving vehicle, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Kia Spectra.

Since a lot of 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 very important.

Liability insurance

This protects you from damage or injury you incur to people or other property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as loss of income, bail bonds, pain and suffering, funeral expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.