2001 Kia Spectra Insurance Quotes

Trying to find cheaper insurance for a Kia Spectra can turn out to be a painful process, but you can use a few tricks to find lower rates. There is a better way to find insurance online and you need to know the absolute fastest way to quote coverages for a new or used Kia and get the lowest possible price from local insurance agents and online providers.

You need to shop coverage around every six months because insurance prices are variable and change quite frequently. If you had the lowest price on Spectra coverage last year you can probably find a better rate now. Ignore everything you know about insurance because we’re going to demonstrate the quickest way to eliminate unnecessary coverages and save money.

Compare car insurance quotes online

Comparing car insurance rates can be a lot of work if you aren’t aware of the most efficient way to do it. You can spend your afternoon talking to local insurance agents in your area, or you could save time and use online quoting to get prices fast.

Most major companies belong to an insurance system where prospective buyers enter their policy data once, and each participating company can give them a price based on that information. This eliminates the need for quote forms to each company.

To compare rates using this form now click here (opens in new window).

One minor caviat to using this type of form is you can’t choose the providers you will receive quotes from. So if you prefer to choose specific insurance companies to compare rates, we have a listing of companies who write car insurance in your area. Click here for list of insurance companies.

Compare rates however you want, just double check that you are using nearly identical coverages and limits for each quote you get. If the quotes have mixed coverages then you won’t be able to get a fair rate comparison.

When in doubt talk to an agent

When buying the right insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

For instance, these questions can aid in determining whether your personal situation would benefit from professional advice.

  • What exactly is covered by my policy?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What is PIP insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I drive in Mexico and have coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

Auto insurance coverages and their meanings

Having a good grasp of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like dental work, chiropractic care, doctor visits and surgery. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Kia Spectra.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Auto liability insurance

This coverage will cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as emergency aid, pain and suffering, attorney fees and loss of income. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Collision coverage

Collision coverage pays for damage to your Spectra caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a ditch, driving through your garage door, sustaining damage from a pot hole, backing into a parked car and rolling your car. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive auto insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a broken windshield, rock chips in glass, a tree branch falling on your vehicle and hitting a deer. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.