Save on 2009 Kia Spectra Insurance Quotes

Paying for overpriced Kia Spectra insurance can dry up your budget and put a big crunch on your finances. Doing a rate comparison can help to make sure you’re not throwing money away.

Popular companies such as State Farm, Farmers Insurance, GEICO and Allstate all claim big savings, bombarding you with advertising and it is challenging if not impossible to sift through the bull and find the best price available.

How to compare insurance coverage rate quotes

Effectively comparing insurance coverage prices can be a lot of work if you don’t utilize the most efficient way. You can spend your afternoon talking about coverages with insurance agencies in your area, or you could save time and use online quoting for quick rates.

Many popular insurance companies enroll in a system that enables customers to complete one form, and each participating company can provide price quotes for coverage. This saves time by eliminating repetitive form submissions for every insurance coverage company. To fill out one form to compare multiple rates now click here to open in new window.

The one disadvantage to using this type of system is that you can’t choose which insurance companies you want to price. So if you prefer to choose from a list of companies to compare rates, we put together a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but be certain you are entering nearly identical quote information on every price quote you get. If you compare different limits and deductibles on each one it will be very difficult to decipher which rate is best. Slightly different insurance coverages or limits can mean a large discrepancy in price. Just remember that obtaining a wide range of quotes provides better odds of finding a lower rate than you’re paying now.

Do you qualify for discount car insurance?

Car insurance is not inexpensive, but there may be some discounts that may help make it more affordable. Many of these discounts will be applied automatically at the time you complete a quote, but less common discounts must be requested specifically in order for you to get them.

• Drivers Education – It’s a good idea to have your young drivers successfully complete driver’s ed class as it can save substantially.
• Accident Waiver – Not necessarily a discount, but some insurance companies permit an accident without getting socked with a rate hike with the catch being you have to be claim-free for a particular time prior to the accident.
• Low Miles Discount – Driving fewer miles can qualify you for cheaper premium rates.
• Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
• Payment Discounts – If you can afford to pay the entire bill rather than paying monthly you can avoid the installment charge.
• College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not have a car may be able to be covered for less.
• Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% for Spectra insurance but check with your company.
• Homeowners Savings – Being a homeowner can save you money since owning and maintaining a home shows financial diligence.
• Memberships – Being a member of certain professional organizations may earn a discount on your bill.
• Save over 55 – If you qualify as a senior citizen, you may qualify for better car insurance rates for Spectra insurance.

Discounts save money, but please remember that some of the credits will not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like all the discounts add up to a free policy, companies don’t profit that way.

If you would like to choose from a list of insurance companies that can offer you the previously mentioned discounts, click here to view.

What insurance coverages do I need?

When it comes to choosing coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that may help you determine if you may require specific advice.

• Is upholstery damage covered by car insurance?
• Can my teen driver be rated on a liability-only vehicle?
• Is a fancy paint job covered?
• Do I need more liability coverage?
• Does coverage extend to my business vehicle?
• Should I buy full coverage?
• When would I need rental car insurance?
• Should I have a commercial auto policy?

If you don’t know the answers to 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

Auto insurance 101

Having a good grasp of insurance helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on most insurance policies.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Kia Spectra.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision – Collision insurance covers damage to your Spectra resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like sideswiping another vehicle, rolling your car, driving through your garage door and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for expenses like doctor visits, hospital visits, surgery and prosthetic devices. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as falling objects, hail damage and fire damage. The most your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for liability – This coverage can cover damage or injury you incur to a person or their property. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers things like repair costs for stationary objects, medical expenses, attorney fees and structural damage. How much coverage you buy is your choice, but buy higher limits if possible.