Compare 2006 Kia Spectra Car Insurance Quotes

Expensive insurance can dwindle your savings account and force you to make sacrifices. Comparing price quotes is free and is an excellent way to cut your insurance bill. Drivers have multiple auto insurance companies to insure vehicles with, and although it’s nice to be able to choose, having more auto insurance companies makes it harder to compare rates.

How much can you save with discounts?

Companies do not advertise all available discounts very clearly, so the following is a list of both well-publicized as well as the least known ways to save on car insurance. If you’re not getting every credit possible, you are throwing money away.

  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you may earn at least 10% off all policies.
  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% on Spectra insurance with a few car insurance companies.
  • Accident Waiver – A handful of insurance companies permit an accident before raising your premiums so long as you haven’t had any claims prior to the accident.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.

It’s important to understand that some of the credits will not apply to your bottom line cost. Most only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, you won’t be that lucky.

To see a list of providers with discount car insurance rates, click here to view.

The most recommended method to compare insurance rates in your area is to know the fact most of the bigger providers allow for online access to quote your coverage. All consumers are required to do is give them rating details like if you require a SR-22, any included safety features, your credit rating estimate, and driver details. Your details is instantly provided to multiple different insurance companies and they return cost estimate immediately.

Elements that influence Kia Spectra insurance rates

Smart consumers have a good feel for the different types of things that help determine insurance rates. Knowing what determines base rates helps enable you to make changes that could result in big savings.

  • Liability coverage is cheap – Liability insurance is the coverage that protects you in the event that you are found to be at fault for damages from an accident. Liability provides you with a defense in court starting from day one. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.
  • Choose a safe vehicle and save – Vehicles with good safety scores can get you lower premiums. Safe vehicles protect occupants better and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If your Kia Spectra has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Your location is important – Being located in small towns and rural areas is a positive aspect when buying insurance. Fewer people translates into fewer accidents as well as less vandalism and auto theft. Drivers who live in large cities tend to have more traffic problems and a longer drive to work. Longer commute distances means higher likelihood of an accident.
  • Don’t let your coverage lapse – Allowing your coverage to lapse will be a quick way to bump up your insurance costs. And not only will insurance be more expensive, but not being able to provide proof of insurance can result in a license revocation or jail time.You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Men fork out a little more – The statistics show that women are safer drivers than men. However, this does not mean men are worse drivers. Men and women tend to get into accidents in similar percentages, but men have costlier accidents. Men also get cited for more serious violations like reckless driving and DUI. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore are the most expensive to insure.

How much car insurance do I need?

When choosing adequate coverage for your vehicles, there is no best way to insure your cars. Everyone’s needs are different so this has to be addressed. These are some specific questions may help you determine whether you may require specific advice.

  • Which companies will insure high-risk drivers?
  • Can I still get insurance after a DUI?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered when driving in Canada or Mexico?
  • How high should deductibles be on a 2006 Kia Spectra?
  • If I drive on a suspended license am I covered?

If you can’t answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Specific coverage details

Understanding the coverages of your insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages available from insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Liability

Liability insurance can cover damage that occurs to other people or property. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things like court costs, structural damage, legal defense fees and bail bonds. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Collision coverage

Collision coverage pays for damage to your Spectra resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as rolling your car, hitting a mailbox, backing into a parked car, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a bird, a tree branch falling on your vehicle and vandalism. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for prosthetic devices, chiropractic care, funeral costs and X-ray expenses. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Have the Midas touch

You just learned a lot of techniques to compare 2006 Kia Spectra insurance prices online. The key thing to remember is the more companies you get rates for, the better your comparison will be. You may be surprised to find that the lowest premiums are with the smaller companies. Smaller companies often have lower prices on specific markets compared to the large companies like State Farm or Progressive.

Lower-priced insurance is possible on the web in addition to many insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies do not provide online quoting and these small insurance companies work with independent agents.

When trying to cut insurance costs, it’s very important that you do not reduce needed coverages to save money. There have been many situations where an insured cut liability limits or collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.

Much more information about auto insurance can be read below: