Lower Your 2009 Kia Spectra Insurance Quotes

Finding the cheapest car insurance over the internet can be problematic for beginners to buying insurance on the web. With so many online companies available, how can drivers even start to compare them all to find the best available price?

Compare the Market for Insurance Coverage

All the larger insurance coverage companies give coverage price quotes on their websites. This process is fairly straightforward as you simply enter the coverage amounts you desire into the quote form. Once you submit the form, their system makes automated requests for your driving record and credit report and returns pricing information based on these and other factors.

Quoting online helps simplify price comparisons, but the time required to go to each company’s website and repetitively complete many quote forms can be a bit repetitive. Unfortunately, it is important to compare as many rates as possible in order to find the lowest insurance coverage rates.

Rate comparisons made easy

A quicker way to compare rates is to use a quote form that analyzes rates from several different companies. The form is fast, requires less work, and makes online shopping much easier. Immediately after submitting the form, it is rated with multiple companies and you can pick your choice of the price quotes you receive.

If you find a better price you can click and sign and purchase the new policy. This process can be completed in a matter of minutes and you’ll know if lower rates are available.

To find out what other companies charge, click here to open in a new tab and input your coverage information. If you have a policy now, it’s recommended you complete the form with the insurance coverages identical to your current policy. This way, you’re receiving rate quotes for similar insurance coverage.

Misconceptions in insurance advertisements

State Farm and Allstate consistently run television and radio advertisements. All the companies say the same thing that you can save if you change your policy. How can each company make almost identical claims?

Insurance companies are able to cherry pick for the type of customer that is profitable for them. An example of a preferred risk could be over the age of 50, has no driving citations, and chooses high deductibles. Any new insured who matches those parameters will qualify for the lowest rates and therefore will save when switching.

Consumers who don’t qualify for these standards must pay higher rates which leads to the customer not buying. The ads say “customers who switch” not “people who quote” save that much. That is how companies can advertise the way they do.

This illustrates why drivers must get a wide range of price quotes. It’s impossible to know which insurance companies will have the lowest Kia Spectra insurance rates.

These discounts can lower your rates

The price of auto insurance can be rather high, buy you may qualify for discounts that you may not know about. A few discounts will automatically apply when you get a quote, but some must be specifically requested before being credited.

  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Spectra insurance than their less cautious counterparts.
  • No Accidents – Drivers with accident-free driving histories pay less when compared with drivers who are more careless.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company qualifies for this discount.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Discount for Swiching Early – Some companies give discounts for switching to them before your current policy expires. The savings is around 10%.
  • Auto/Home Discount – If you insure your home and vehicles with one insurance company you may earn up to 20% off your total premium.
  • Senior Discount – Mature drivers may receive reduced rates for Spectra insurance.
  • Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. A few only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like you could get a free car insurance policy, companies don’t profit that way. But any discount will cut your premiums.

For a list of insurers offering car insurance discounts, follow this link.

Different people need different coverages

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine if your situation may require specific advice.

  • Should I get collision insurance on every vehicle?
  • Am I covered if I drive in a foreign country?
  • What discounts do I qualify for?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What can I do if my company won’t pay a claim?
  • What are the best liability limits?
  • Is a new car covered when I drive it off the dealer lot?
  • Will I lose any money if I cancel my policy before it expires?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form.

Car insurance coverages and their meanings

Knowing the specifics of a car insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

Auto liability – This coverage can cover damages or injuries you inflict on people or other property. It protects YOU from claims by other people, and 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. Your policy might show values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as structural damage, pain and suffering and medical services. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for hospital visits, X-ray expenses, funeral costs and nursing services. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage – This coverage covers damage to your Spectra caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a parking meter, colliding with a tree, rolling your car, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hail damage, damage from a tornado or hurricane, hitting a bird, damage from getting keyed and rock chips in glass. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Take this to the bank

Drivers leave their current company for a number of reasons such as policy non-renewal, high rates after DUI convictions, denial of a claim and even lack of trust in their agent. It doesn’t matter why you want to switch finding a new company is not as hard as you think.

We covered some good ideas how to lower your 2009 Kia Spectra insurance rates. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced insurance coverage comes from some of the lesser-known companies.

Lower-priced insurance is attainable from both online companies as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance coverage companies don’t offer online price quotes and most of the time these smaller companies sell through independent agents.

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