View 2007 Kia Spectra Car Insurance Quotes

Trying to find the cheapest insurance coverage rates for your Kia Spectra? Have you had enough of paying out the nose each month for car insurance? You’re in the same situation as millions of other consumers.

Insurance companies such as Progressive, State Farm and Geico promote their brand names with fancy advertisements and consumers find it hard to ignore the promise of big savings and do the work needed to find the best deal.

Consumers need to check insurance coverage prices occasionally due to the fact that insurance rates trend upward over time. Despite the fact that you may have had the lowest rates on Spectra coverage on your last policy you may be paying too much now. Block out anything you think you know about insurance coverage because we’re going to demonstrate the fastest and easiest way to buy cheaper insurance coverage.

How to Get Insurance

There are several ways to compare quotes from different insurance companies. The easiest way to compare 2007 Kia Spectra insurance prices consists of shopping online. This is very easy and can be done in a couple of different ways.

The single most time-saving way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This method eliminates the need for repetitive form submissions for each company you want a rate for. Filling out one form gets rate comparisons from all major companies.

A different way to find lower rates consists of visiting each company website to request a price quote. For instance, let’s say you want rates from USAA, Safeco and Liberty Mutual. To get each rate you have to spend time on each company’s site and enter your policy data, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

However you get your quotes, double check that you are using apples-to-apples coverage information for every quote you compare. If you enter different limits and deductibles on each one it’s impossible to find the best deal for your Kia Spectra. Slightly different limits can mean a large discrepancy in price. It’s important to know that obtaining a wide range of quotes will enable you to find the best offered rates.

Lots of discounts mean lots of savings

Car insurance can cost a lot, but companies offer discounts to reduce the price significantly. A few discounts will automatically apply when you quote, but some must be inquired about before being credited.

Senior Discount – Older drivers may qualify for a discount up to 10% on Spectra coverage.
Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
Driver Safety – Completing a defensive driving course could possibly earn you a 5% discount if you qualify.
Multi-policy Discount – If you insure your home and vehicles with one company you could get a discount of 10% to 20% off each policy.
Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance.
Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in high school.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way. But all discounts will bring down your premiums.

To see a list of providers with the best auto insurance discounts, click this link.

Situations that might require an agent

When buying the best insurance coverage coverage, there is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that can aid in determining if you might need an agent’s assistance.

Can I rent a car in Mexico?
Do I have newly-aquired coverage?
Does coverage extend to Mexico or Canada?
What is no-fault insurance?
Can I still get insurance after a DUI?
Why am I be forced to buy a membership to get insurance from some companies?
If my 2007 Kia Spectra is totaled, can I afford another vehicle?
How much liability do I need to cover my assets?
Should I buy additional glass protection?
Is my custom paint covered by insurance?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Detailed coverages of your insurance policy

Knowing the specifics of your insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverages available from insurance companies.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for immediate expenses for hospital visits, ambulance fees, nursing services, pain medications and doctor visits. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection 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 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 is very important. Most of the time these limits are identical to your policy’s liability coverage.

Collision coverage

Collision coverage will pay to fix damage to your Spectra caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like sideswiping another vehicle, damaging your car on a curb, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Liability coverage

This provides protection from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as attorney fees, repair costs for stationary objects, loss of income, pain and suffering and structural damage. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Comprehensive insurance

This covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from flooding, theft, a broken windshield, vandalism and hitting a deer. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.