2005 Kia Spectra Insurance Quotes

Having to pay for high-priced insurance coverage can draw down your funds and put the squeeze on your family’s finances. Price shopping at each renewal is free and is an excellent way to make ends meet.

Multiple auto insurance companies compete for your business, and it can be difficult to compare rates to find the lowest price

How much is auto insurance?

Many insurance companies give insurance quotes direct online. Getting online quotes doesn’t take much effort as you just enter your coverage information as detailed in the form. After you complete the form, the quote system pulls reports for credit and driving violations and quotes a price based on the data you entered. This makes it simple to compare prices but the time it takes to visit a lot of sites and type in your information gets old quite quickly. Unfortunately, it is important to perform this step if you want to find better prices.

A more efficient way to compare auto insurance pricing makes use of a single form to return rates from a lot of companies. The form is fast, eliminates repetitive work, and makes price shopping online much more enjoyable. After sending your information, it is rated and you are able to buy any one of the resulting price quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. It takes 15 minutes at the most and may result in a nice savings.

If you want to fill out one form to compare multiple rates now, click here and enter your information. If you have a policy now, it’s recommended you complete the form with coverages and limits exactly as they are listed on your policy. This helps ensure you will receive rate quotes using the exact same coverages.

Learn how to lower your insurance costs

When buying insurance it’s important to understand some of the elements that help calculate insurance rates. When you know what positively or negatively influences your rates, this allows you to make educated decisions that can help you get better insurance rates. Many different elements are part of the calculation when you get a price on insurance. Some factors are common sense such as traffic violations, but other criteria are not as apparent like where you live or your financial responsibility.

The list below includes most of the major factors companies use to determine your rate level.

  • Higher insurance rates for stressful vocations – Did you know your insurance rates can be affected by your occupation? Occupational choices like military personnelpolice officers and accountants usually pay the highest rates because of stressful work requirements and extremely grueling work hours. Other jobs such as farmers, athletes and performers pay the least on Spectra insurance.
  • Better drivers pay less – Having a single moving violation can increase rates by as much as twenty percent. Careful drivers pay less for auto insurance than their less careful counterparts. Drivers who have received multiple tickets such as reckless driving, hit and run or driving under the influence may face state-mandated requirements to complete a SR-22 with their state motor vehicle department in order to legally drive a vehicle.
  • Does insurance coverage cost less for gals? – Over the last 30 years, statistics show that women are safer drivers than men. Now that doesn’t mean females are better drivers. Females and males are responsible for auto accidents at a similar rate, but the male of the species get into accidents with more damage. In addition to higher claims, males also receive more major tickets like reckless driving and DUI.
  • Avoid unnecessary add-on coverages – There are quite a few additional coverages that can add up on your 2005 Spectra policy. Coverages for rental car coverage, high-cost glass coverage, and Farm Bureau memberships may not be needed and are just wasting money. These may sound like a good investment when buying your policy, but if you don’t need them remove them and pocket the money.

Verify you’re receiving every discount

The price of auto insurance can be rather high, but you may find discounts to cut the cost considerably. Some of these disounts will be visible when you complete an application, but some need to be asked for before they will apply.

  • Theft Deterent System – Cars equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10% off your car insurance quote.
  • More Vehicles More Savings – Buying a policy with all your vehicles on one policy can reduce the rates for all insured vehicles.
  • Distant College Student Discount – Kids who are enrolled in a college that is more than 100 miles from home and leave their car at home can be insured at a reduced rate.
  • Military Rewards – Being on active duty in the military could trigger a small discount.
  • Responsible Drivers – Safe drivers can pay as much as 50% less on Spectra insurance than less cautious drivers.
  • No Claims – Drivers who stay claim-free pay much less in comparison to insureds who have frequent claims or accidents.
  • Braking Control Discount – Cars and trucks with ABS and/or traction control can avoid accidents so companies give up to a 10% discount.
  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • 55 and Retired – Seniors may receive a small decrease in premiums on Spectra insurance.
  • Auto/Home Discount – When you have multiple policies with the same company you may save at least 10% off all policies.

Just know that most discounts do not apply the the whole policy. Most cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will help reduce the amount you pay for coverage.

To view providers that offer multiple discounts, click this link.

When should I discuss my situation with an agent?

When choosing the best insurance coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that could help you determine if you would benefit from an agent’s advice.

  • Am I insured when driving a different vehicle?
  • When should I buy a commercial auto policy?
  • What companies insure drivers after a DUI or DWI?
  • Where can I find DUI or SR-22 insurance?
  • When can I cancel my policy?
  • Is my trailer covered?
  • Should I carry comprehensive and collision coverage?
  • Do all my vehicles need collision coverage?
  • Can I rent a car in Mexico?
  • Does my policy pay for OEM or aftermarket parts?

If you can’t answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Auto insurance 101

Having a good grasp of your policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from insurance companies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like dental work, ambulance fees and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Auto liability

Liability coverage will cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as emergency aid, medical services, court costs, repair costs for stationary objects and structural damage. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2005 Kia Spectra.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Collision coverage

Collision insurance covers damage to your Spectra from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as driving through your garage door, colliding with a tree, crashing into a ditch, hitting a mailbox and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a broken windshield, fire damage and rock chips in glass. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Keep this in mind

You just learned quite a bit of information on how to reduce 2005 Kia Spectra insurance rates online. The most important thing to understand is the more providers you compare, the better your comparison will be. You may be surprised to find that the biggest savings come from an unexpected company. Regional companies can often provide lower auto insurance rates in certain areas as compared to the big name companies such as Progressive and GEICO.

Affordable 2005 Kia Spectra insurance can be found on the web and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies may not offer rate quotes online and most of the time these small, regional companies only sell through independent insurance agencies.

While you’re price shopping online, it’s very important that you do not buy poor coverage just to save money. In many instances, someone dropped liability coverage limits only to discover later that it was a big mistake. The goal is to buy enough coverage at an affordable rate, but do not skimp to save money.

More information is located at the links below