2004 Kia Spectra Insurance Rates – 8 Policy Discounts

Did a good deal turn into an overpriced insurance coverage policy? Trust us, there are many drivers thinking the same thing. Multiple auto insurance companies compete to insure your vehicles, and it can be difficult to compare rates to find the lowest rate possible.

Consumers need to check insurance coverage prices before your policy renews because prices are constantly changing. Even if you got the lowest price on Spectra coverage six months ago the chances are good that you can find a lower rate today. Block out anything you think you know about insurance coverage because you’re about to learn how to use online quotes to lower your rates without sacrificing coverage.

How much does insurance coverage cost?

There are a lot of ways you can shop for insurance coverage and some are easier and takes less work. You could spend the better part of a day talking about coverages with insurance companies in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

Most of the larger companies enroll in a system where prospective buyers only type in their quote data once, and every company provides a quote based on the submitted data. This eliminates the need for quote requests for every insurance coverage company. To compare rates now click here (opens in new window).

The one downside to using this type of system is you are unable to specify which providers to get quotes from. If you would rather choose specific insurance companies to compare, we have a listing of insurance coverage companies in your area. View list of insurance companies.

How you compare quotes is your choice, just make absolute certain that you use nearly identical coverage limits and deductibles for each quote you get. If you compare differing limits it will be nearly impossible to make an equal comparison.

Discount auto insurance quotes

The cost of insuring your cars can be expensive, but there may be some discounts that may help make it more affordable. Certain reductions will be credited at the time you complete a quote, but some may not be applied and must be manually applied before being credited.

  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off on Spectra coverage with certain companies.
  • Defensive Driver Discounts – Taking a defensive driver course could possibly earn you a 5% discount and also improve your driving technique.
  • Discounts for Responsible Drivers – Accident-free drivers can save up to 40% or more on their insurance coverage quote on Spectra coverage compared to accident prone drivers.
  • Distant Student – Kids living away from home attending college and leave their car at home may be insured at a cheaper rate.
  • Bundle and Save – If you have multiple policies and insure them with the same company you will save over 10 percent off each policy depending on the company.
  • Data Collection Discounts – Drivers that enable their insurance company to look at driving patterns by using a telematics device such as Progressive’s Snapshot may see discounts if they exhibit good driving behavior.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than spreading payments over time you may have a lower total premium amount.
  • Multiple Cars – Having several vehicles with the same auto insurance company could earn a price break for each car.

It’s important to note that most of the big mark downs will not be given to the entire cost. Most only reduce the cost of specific coverages such as comp or med pay. So when the math indicates you would end up receiving a 100% discount, it’s just not the way it works. But any discount will bring down your auto insurance premiums.

Insurance companies that may have some of the discounts shown above may include but are not limited to:

If you need lower rates, check with all the companies the best way to save money. Some discounts may not apply to policies in every state.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage, there really is no best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions can help discover if your situation could use an agent’s help.

  • Are my friends covered when driving my car?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I have coverage when using my vehicle for my home business?
  • Does my medical payments coverage pay my health insurance deductible?
  • How does medical payments coverage work?
  • Can I make deliveries for my home business?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with 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. It only takes a few minutes and you can get the answers you need.

Insurance policy specifics

Understanding the coverages of insurance can help you determine the best coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are the usual coverages available from insurance companies.

Liability car insurance – This will cover damage or injury you incur to other people or property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for 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 might see limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as bail bonds, loss of income and attorney fees. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage – This 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 medical payments for you and your occupants and damage to your Kia Spectra.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical payments – Med pay and PIP coverage pay for expenses for funeral costs, prosthetic devices, surgery and doctor visits. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as fire damage, hitting a bird, vandalism and theft. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision – Collision insurance pays for damage to your Spectra caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as driving through your garage door, hitting a mailbox, sideswiping another vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

In the end, you save

As you prepare to switch companies, you should never buy poor coverage just to save money. There are too many instances where someone sacrificed liability coverage limits only to regret that the savings was not a smart move. Your focus should be to buy the best coverage you can find at an affordable rate but still have enough coverage for asset protection.

We’ve covered a lot of tips how to compare 2004 Kia Spectra insurance car insurance rates online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding affordable insurance coverage. Drivers may discover the most savings is with a smaller regional carrier. Regional companies can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.

More detailed insurance coverage information is located at these sites: