How Much Does 2006 Kia Spectra Car Insurance Cost?

Shopping for budget insurance online might appear difficult for beginners to shopping for insurance on the internet. With dozens of companies in the marketplace, how can drivers efficiently compare every company in order to find the best price?

If you currently have a car insurance policy, you will most likely be able to save some money using these tips. The purpose of this post is to instruct you on how to effectively get price quotes and some tips to save money. But consumers need to have an understanding of how insurance companies sell insurance online.

Get cheaper insurance rates by understanding these factors

Lots of things are part of the calculation when you get your auto insurance bill. Some of the criteria are obvious such as traffic violations, but others are less obvious like your vehicle usage or how financially stable you are.

  • Frequent claims increase rates – If you tend to file frequent claims, you can pretty much guarantee higher premiums or even policy non-renewal. Insurance companies generally give cheaper rates to insureds who only file infrequent claims. Insurance coverage is intended for larger claims.
  • Safety ratings are a factor – Safer cars are cheaper to insure. These vehicles result in less severe injuries and better occupant protection translates directly to fewer claims and lower rates for you. If your Kia scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Liability protection limits should be high – Your policy’s liability coverage kicks in if ever you are found liable for physical damage or personal injury to other. This coverage provides for a legal defense starting from day one. This coverage is relatively inexpensive when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Save money by having multiple policies – Lots of insurers allow discounts to policyholders that purchase more than one policy, otherwise known as a multi-policy discount. This can amount to 10 percent or more. If you currently are using one company, it’s in your best interest to check prices from other companies to verify if the discount is saving money.
  • Premiums impacted by your city – Residing in a small town is a good thing when insuring your vehicles. People in densly populated areas tend to have much more traffic and more severe claims. Fewer drivers and short commutes translates into fewer accident claims in addition to fewer liability claims.
  • If you don’t need it don’t buy it – There are a lot of additional coverages that you can get tricked into buying when buying auto insurance. Coverages for rental car reimbursement, accidental death, and Farm Bureau memberships may be costing you every month. The coverages may be enticing at first, but if you have no use for them consider taking them off your policy.
  • Lower prices with continuous auto insurance coverage – Having a lapse in insurance coverage can be a sure-fire way to increase your auto insurance rates. In addition to paying higher rates, failure to provide proof of insurance can result in fines or a revoked license.
  • Deter theft and save money – Driving a car with a theft deterrent system can save you some money. Theft deterrent systems such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.

More affordable rates by earning discounts

Not too many consumers would say insurance is affordable, but you might already qualify for some discounts that could help you make your next renewal payment. Many of these discounts will be applied automatically when you complete an application, but a few must be manually applied prior to getting the savings.

  • Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of more than 20%.
  • ABS and Traction Control Discounts – Cars with ABS and/or traction control can avoid accidents and the ABS can save up to 10%.
  • Safe Driver Discount – Drivers without accidents can save up to 40% or more on their car insurance quote for Spectra insurance compared to accident prone drivers.
  • Discounts for Multiple Vehicles – Buying a policy with primary and secondary vehicles with the same company can reduce the rates for all insured vehicles.
  • 55 and Retired – Drivers that qualify as senior citizens may be able to get a discount up to 10% for Spectra insurance.
  • Claim-Free Discount – Insureds with no claims or accidents get the best insurance rates in comparison with policyholders that have many claims.
  • Discount for Life Insurance – Larger insurance companies have a discount if you purchase life insurance from them.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like medical payments or collision. Just because it seems like adding up those discounts means a free policy, you aren’t that lucky.

A partial list of companies that have some of the discounts shown above include:

Check with every insurance company how you can save money. Some of the earlier mentioned discounts might not apply in your state. To see a list of insurers that can offer you the previously mentioned discounts, click this link.

Car insurance savings promises

Companies like Allstate, GEICO and Progressive seem to constantly run ads in print and on television. All the ads advertise claims that you’ll save big just by moving your policy. How is it plausible that every one can give you a lower rate? It’s all in the words they use.

Car insurance companies have specific characteristics for the type of customer that earns them a profit. One example of this type of risk profile could possibly be a female over age 40, has had continuous coverage, and drives a car with an anti-theft system. A customer that matches those criteria will probably get cheap prices and most likely will save when they switch companies.

Consumers who do not meet the ideal profile will be quoted higher premiums which translates to the customer not purchasing. The ad wording is “drivers that switch” not “everyone who quotes” save that kind of money. That’s why companies can lure you into getting a quote. This emphasizes why you need to compare quotes as often as possible. Because you never know which insurance companies will have better auto insurance rates than you’re paying now.

Your car insurance coverage should be tailored to you

When it comes to choosing the best car insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different.

For example, these questions could help you determine if you might need an agent’s assistance.

  • What is an SR-22 filing?
  • Does my car insurance cover rental cars?
  • Do I need PIP coverage since I have good health insurance?
  • Can I drive in Mexico and have coverage?
  • Do I really need UM/UIM coverage?
  • Where can I get insurance after a DUI in my state?
  • Can I get a multi-policy discount?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance coverages explained

Knowing the specifics of auto insurance can be of help when determining which coverages you need and proper limits and deductibles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers 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 coverage protects against claims such as damage from getting keyed, falling objects and vandalism. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like hospital visits, pain medications, dental work, nursing services and X-ray expenses. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a building, colliding with another moving vehicle, damaging your car on a curb and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Kia Spectra.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Liability coverages

Liability coverage can cover injuries or damage you cause to people or other property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for things like pain and suffering, attorney fees and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Saving money is sweet as honey

You just learned many ideas to compare 2006 Kia Spectra insurance car insurance rates online. The most important thing to understand is the more companies you get premium rates for, the higher your chance of finding inexpensive car insurance. Consumers could even find that the lowest car insurance rates are with a smaller regional carrier.

There are still a few companies who don’t offer the ability to get quotes online and usually these regional insurance providers provide coverage only through independent agents. Cost effective 2006 Kia Spectra insurance can be bought online and also from your neighborhood agents, so compare prices from both so you have a total pricing picture.

Consumers switch companies for a variety of reasons including being labeled a high risk driver, not issuing a premium refund, high prices or delays in responding to claim requests. Regardless of your reason for switching companies, finding a great new company is pretty easy and you might even save some money in the process.

More information is available at the links below