Compare 2004 Kia Spectra Car Insurance Rates

Want the cheapest car insurance rates for your Kia Spectra? Are you tired of being strong-armed to buy car insurance? You are no different than millions of other consumers.

Companies like Geico, Farmers Insurance and State Farm continually hit you with advertising and consumers find it hard to ignore the propoganda and find the best price available.

How to Buy Car Insurance Online

There are a lot of ways to compare car insurance quotes, and some are more efficient than others. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you can utilize the web to get the quickest rates.

Many insurance companies belong to an insurance system that allows shoppers to enter their policy data once, and each participating company then returns a price quote determined by their information. This prevents consumers from doing quotation requests for each company you want a rate for.

To find out how much you can save on car insurance click to open in new window.

The only downside to using this type of form is that consumers can’t choose which providers to get pricing from. If you prefer to choose specific insurance companies for rate comparison, we have assembled a list of car insurance companies in your area. View list of insurance companies.

It’s up to you which method you use, but compare the exact same coverage information with each company. If you use higher or lower deductibles then you won’t be able to make an equal comparison. Slightly different coverages may result in a large different in cost. And when comparing car insurance rates, know that quoting more provides better odds of finding the best offered rates.

The insurance coverage bait and switch

Insurance coverage companies such as Geico, State Farm and Progressive regularly use ads in print and on television. They all seem to have a common claim of big savings if you move to them. How do they all claim to save you money? It’s all in the numbers.

Insurance companies can use profiling for the type of customer that makes them money. An example of a preferred risk could be between the ages of 30 and 50, insures multiple vehicles, and has excellent credit. Any new insured who fits that profile will qualify for the lowest rates and therefore will save when they switch companies.

Consumers who don’t measure up to this ideal profile will have to pay higher prices and this can result in the customer not buying. The ads state “people who switch” not “people who quote” save that much money. That is how insurance companies can state the savings. Because of the profiling, it is so important to get as many comparisons as possible. You cannot predict which insurance coverage company will fit your personal profile best.

What determines your Kia Spectra insurance premium

It’s important that you understand the factors that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

Shown below are some of the factors used by your company to calculate rates.

  • Rural vs Urban Areas – Choosing to live in a rural area is a positive aspect when buying auto insurance. Urban drivers tend to have more traffic problems and a longer drive to work. Less people living in that area means a lower chance of having an accident.
  • Multi-policy discounts can save money – The majority of insurance companies will give a discount to people who carry more than one policy. It’s known as a multi-policy discount. Discounts can add up to 10 percent or more. Even with this discount, you may still want to shop around to verify if the discount is saving money.
  • High numbers of claims are not good – If you file claims often, you can look forward to either policy cancellation or increased premiums. Auto insurance companies generally give lower rates to policyholders who do not file claims often. Your insurance policy is meant to be used in the event of larger claims.
  • Liability coverage is peace of mind – Liability coverage is the coverage that protects you in the event that a jury decides you are liable for personal injury or accident damage. It will provide you with a defense in court which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.

Get lower rates on Kia Spectra insurance

Companies that sell car insurance do not list all their discounts very well, so the following is a list of some of the more common and the harder-to-find ways to save on car insurance.

  • Club Memberships – Affiliation with a qualifying organization is a good way to get lower rates when shopping for car insurance on Spectra insurance.
  • Accident Waiver – Certain companies allow you one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Passive Restraint Discount – Vehicles equipped with air bags can receive discounts up to 30%.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts could save 15% off your PIP or medical payments premium.
  • Homeowners Savings – Being a homeowner can save you money because owning a home demonstrates responsibility.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you may earn 10% to 20% off each policy.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less on Spectra insurance than their less cautious counterparts.

Keep in mind that most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like medical payments or collision. Just because it seems like you could get a free car insurance policy, car insurance companies aren’t that generous.

To see a list of insurance companies with the best car insurance discounts, follow this link.

Tailor your coverage to you

When buying coverage, there really is not a best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that For instance, these questions might help in determining if you will benefit from professional help.

  • Is my ex-spouse still covered by my policy?
  • Is my dog or cat covered if injured in an accident?
  • Do I need added coverage for expensive stereo equipment?
  • Do I need more liability coverage?
  • When should I not file a claim?
  • Does my 2004 Kia Spectra qualify for pleasure use?
  • Is other people’s property covered if stolen from my vehicle?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Coverages available on your car insurance policy

Knowing the specifics of your car insurance policy can be of help when determining which coverages you need for your vehicles. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages available from car insurance companies.

Liability

This will cover damage that occurs to other people or property. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like attorney fees, emergency aid, repair costs for stationary objects, medical expenses and legal defense fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for collisions

This will pay to fix damage to your Spectra resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with another moving vehicle, colliding with a tree, backing into a parked car, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills for nursing services, funeral costs, X-ray expenses, prosthetic devices and rehabilitation expenses. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred 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.

Comprehensive or Other Than Collision

This pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like rock chips in glass, a tree branch falling on your vehicle, fire damage, theft and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Save for a rainy day

As you go through the steps to switch your coverage, make sure you don’t skimp on coverage in order to save money. In many cases, someone sacrificed collision coverage only to discover later they didn’t purchase enough coverage. Your strategy should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

Lower-priced 2004 Kia Spectra insurance is attainable from both online companies and also from your neighborhood agents, and you need to price shop both to have the best selection. A few companies may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

We covered a lot of information how to shop for insurance online. The key concept to understand is the more providers you compare, the higher your chance of finding lower rates. Drivers may discover the biggest savings come from a small local company. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as Geico and State Farm.

Much more information about car insurance is located at these links: