2002 Kia Spectra Insurance Quotes – 7 Policy Discounts

Looking for better car insurance rates for your Kia Spectra? Paying for high-priced Kia Spectra insurance can overdraw your personal savings and put a big crunch on your finances. Comparing price quotes is free and is an excellent way to make sure you’re not throwing money away. Online insurance companies like Geico, 21st Century and Progressive promote their brand names with ads and it is challenging if not impossible to separate fact from fiction and effectively compare rates to find the best deal.

If you have a policy 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 not rocket science. Vehicle owners just need to learn the most effective way to find the lowest price over the internet.

Finding Car Insurance

Performing a rate comparison can take time and effort if you don’t utilize the fastest way to get free quotes. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you can stay home and use the internet to get rate comparisons in just a few minutes.

Many of the larger companies take part in a program where prospective buyers only type in their quote data once, and at least one company returns a rated price. This system prevents you from having to do quote forms for each company you want a rate for. To compare 2002 Kia Spectra rates now click here (opens in new window).

The only downside to using this type of system is you don’t know exactly which insurance companies to get pricing from. So if you want to choose specific insurance companies to compare, we have assembled a list of low cost car insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just ensure you’re using apples-to-apples coverage information for every quote you compare. If each company quotes mixed coverages it will be impossible to determine the best price for your Kia Spectra.

Is my situation unique?

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. For example, these questions could help you determine whether or not you might need professional guidance.

• Does my policy cover my teen driver if they drive my company car?
• Do I need an umbrella policy?
• Do I need roadside assistance coverage?
• Does coverage extend to a rental car in a foreign country?
• Will I be non-renewed for getting a DUI or other conviction?
• Can my teen driver be rated on a liability-only vehicle?
• When can I cancel my policy?
• Do I have any recourse if my insurance company denies a claim?
• When should I buy a commercial auto policy?
• Should I buy additional glass protection?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Learn about insurance coverages for a 2002 Kia Spectra

Understanding the coverages of insurance aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages found on most insurance policies.

Liability insurance – This coverage protects you from damage that occurs to other people or property. 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 values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for things like court costs, medical services, funeral expenses, legal defense fees and attorney fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage – This coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from getting keyed, falling objects, rock chips in glass, vandalism and hitting a deer. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision – Collision coverage pays for damage to your Spectra caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as backing into a parked car, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Kia Spectra.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like dental work, EMT expenses, chiropractic care and surgery. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible