2005 Kia Spectra Insurance Quotes – 10 Tips for Cheaper Rates

Looking for cheaper insurance coverage rates? Shoppers have a choice when shopping for the best price on Kia Spectra insurance. They can either spend hours struggling with agents trying to get quotes or use the internet to find the lowest rates. There are more efficient ways to shop for insurance coverage and we’ll show you the best way to quote coverages for your Kia and find the lowest price from both online companies and local agents.

Consumers need to price shop coverage once or twice a year since insurance rates are usually higher with each renewal. Despite the fact that you may have had the best price on Spectra insurance a couple years back you may be paying too much now. Starting now, forget anything you know (or think you know) about insurance coverage because you’re going to get a crash course in the quickest way to find better rates and still maintain coverage.

Finding the best rates is easy if you know what you’re doing. If you have car insurance now, you should be able to lower your premiums substantially using these methods. Drivers just need to understand how to get comparison rates on the web.

How to Get Insurance Comparison Quotes

There are several ways to compare Kia Spectra insurance prices but one way is more efficient than others. You could waste time driving to insurance agencies in your area, or you could save time and use online quoting to achieve your goal.

Most of the best insurance companies participate in an industry program where insurance shoppers enter their policy data once, and each participating company returns a competitive quote. This prevents consumers from doing quote forms for every insurance company. To compare pricing click here to start a free quote.

The one downside to pricing coverage this way is that you can’t choose which carriers you want pricing from. So if you want to choose from a list of companies to receive pricing from, we have assembled a list of insurance companies in your area. Click to view list.

Whichever way you use, make sure you use apples-to-apples coverages with each company. If each company quotes higher or lower deductibles it will be very difficult to make a fair comparison for your Kia Spectra.

Pay less by taking advantage of these ten discounts

Auto insurance companies do not list all their discounts in an easy-to-find place, so here is a list some of the more common and the harder-to-find discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • Use Seat Belts – Requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Driver Safety – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Multi-policy Discount – If you insure your home and vehicles with the same insurance company you will save up to 20% off your total premium.
  • Good Student – This discount can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Driver’s Ed – Have your child complete a driver education course if offered at their school.
  • Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less on Spectra insurance than drivers with accidents.
  • Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
  • Sign Early and Save – A few companies offer discounts for buying a policy before your current expiration date. It can save you around 10%.
  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% on Spectra insurance.

It’s important to understand that most discount credits are not given to the entire policy premium. Most cut individual premiums such as collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way.

Car insurance companies that may have these benefits may include but are not limited to:

It’s a good idea to ask each company how you can save money. All car insurance discounts may not be available in your state.

Your coverage should be tailored to you

When it comes to choosing proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that might help in determining if you will benefit from professional help.

  • Is my state a no-fault state?
  • Am I getting all the discounts available?
  • How high should my medical payments coverage be?
  • Does my car insurance cover rental cars?
  • Does my 2005 Kia Spectra qualify for pleasure use?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Who is covered when they drive my 2005 Kia Spectra?
  • Can I afford to pay high deductible claims out of pocket?
  • Should I have combined single limit or split liability limits?
  • How high should my uninsured/underinsured coverage be in my state?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Insurance coverage breakdown

Learning about specific coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for expenses for things like prosthetic devices, rehabilitation expenses and funeral costs. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Kia Spectra.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Coverage for liability

Liability coverage provides protection from injuries or damage you cause to other people or property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

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 a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as loss of income, medical expenses, emergency aid, funeral expenses and pain and suffering. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage protection

This will pay to fix damage to your Spectra caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like damaging your car on a curb, rolling your car, hitting a parking meter, colliding with another moving vehicle and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, fire damage, hitting a bird, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.