Cheaper 2007 Kia Spectra Car Insurance Quotes

Want better auto insurance rates? Drivers have lots of choices when trying to find low-cost Kia Spectra insurance. They can either spend hours struggling with agents getting price quotes or save time using the internet to make rate comparisons.

There is a right way and a wrong way to buy auto insurance and you need to know the best way to get price quotes for a new or used Kia and locate the lowest price.

You should make it a habit to take a look at other company’s rates before your next renewal because prices change quite often. Despite the fact that you may have had the best price for Spectra coverage a year ago you can probably find a lower rate today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the right way to save money, get proper deductibles and limits, all at the lowest rate.

This information will tell you the best way to quote coverages and some tips to save money. If you have car insurance now, you will most likely be able to cut costs considerably using these techniques. Consumers just need to learn the proper way to compare prices over the internet.

Eight things that determine your insurance prices

Part of the car insurance buying process is learning some of the elements that help determine the price you pay for car insurance. If you understand what determines base rates, this empowers consumers to make smart changes that will entitle you to cheaper rates. Multiple criteria are considered when you get a price on insurance. Most are fairly basic like a motor vehicle report, although some other factors are not as apparent such as whether you are married and annual miles driven.

  • Your employer is a factor – Careers such as doctorsairline pilots and stock brokers tend to have higher average rates attributed to intense work requirements and incredibly demanding work hours. On the flip side, professions such as actors, athletes and performers get better rates for Spectra coverage.
  • Safety ratings are a factor – Cars with five star safety ratings get lower rates. The safest vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and thus lower rates. If the Kia Spectra is rated at a minimum four stars on Safercar.gov it is probably cheaper to insure.
  • Women pay lower rates – Over the last 30 years, statistics show women tend to be less risk to insure than men. The data does not necessarily mean that men are worse drivers. Women and men cause accidents in similar numbers, but the male of the species have accidents that have higher claims. Men also statistically get cited for more serious violations such as reckless driving. Young men ages 16 to 20 are most likely to cause an accident and are penalized with high car insurance rates.
  • Put fewer miles on your vehicle – The more miles you rack up on your Kia annually the higher your rate. Most companies rate vehicles partially by how you use the vehicle. Cars and trucks used primarily for pleasure use receive better premium rates than vehicles that have high annual mileage. It’s always a good idea to double check that your car insurance declarations sheet correctly shows the correct usage for each vehicle, because improper ratings can cost you money. An improperly rated Spectra may be costing you higher rates.
  • Car and home together may be cheaper – Most car insurance companies allow better rates to clients who buy several policies from them in the form of a multi-policy discount. Even if you qualify for this discount already, it’s in your best interest to compare rates to make sure you are getting the best deal.There is a good possibility that you can save even more than the discount by insuring with multiple companies.
  • Lower rates with theft deterrents – Driving a car that has a built-in theft deterrent system can get you a discount on your car insurance. Theft deterrent systems such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent car theft.
  • Single drivers may pay higher prices – Having a spouse can get you a discount on car insurance. Having a significant other demonstrates that you tend to be more mature and statistics show drivers who are married are more cautious.
  • Rural vs Urban Areas – Being located in a small town has it’s advantages when it comes to car insurance. Drivers who live in large cities have more road rage incidents and much longer commute distances. Less people means a lower chance of having an accident.

Find hidden discounts on insurance coverage

The cost of insuring your cars can be expensive, but there could be available discounts to reduce the price significantly. Many of these discounts will be applied automatically at quote time, but some may not be applied and must be manually applied before being credited.

  • Bundle and Save – If you have multiple policies and insure them with the same company you will save as much as 10 to 15 percent.
  • Payment Discounts – By paying your entire bill at once rather than paying monthly you may have a lower total premium amount.
  • Federal Employees – Simply working for the federal government could qualify for a slight premium decrease for Spectra coverage depending on your company.
  • Multi-line Discount – Not all insurance carriers offer life insurance, but some may give you a discounted price on car insurance if you buy life insurance.
  • Safety Restraint Discount – Drivers who require all occupants to use their safety belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.

Just know that most discounts do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though you would think it’s possible to get free car insurance, companies wouldn’t make money that way.

The best insurance coverage companies and their possible discounts are detailed below.

  • GEICO includes discounts for emergency military deployment, multi-policy, seat belt use, membership and employees, and military active duty.
  • MetLife offers discounts for good driver, defensive driver, claim-free, good student, multi-policy, accident-free
  • Progressive policyholders can earn discounts including multi-policy, continuous coverage, online quote discount, homeowner, and multi-vehicle.
  • Travelers may include discounts for payment discounts, continuous insurance, early quote, good student, save driver, multi-car, and driver training.
  • SAFECO discounts include safe driver, teen safety rewards, drive less, bundle discounts, homeowner, accident prevention training, and anti-theft.
  • AAA may have discounts that include good driver, AAA membership discount, good student, education and occupation, and multi-policy.

When quoting, ask every insurance company how you can save money. Discounts might not be available to policyholders in your state. To locate providers that provide some of the discounts listed above, click here to view.

Insurance savings promises

Consumers can’t get away from all the ads that claim the lowest prices by companies like State Farm, GEICO and Progressive. All the ads seem to make the promise that drivers can save some big amount after switching your policy.

How does every insurance company make the same claim? This is the way they can do it.

Insurance companies have an ideal profile for the type of driver that earns them a profit. A good example of a profitable customer should be a female over age 40, owns a home, and has a high credit rating. A customer that hits that “sweet spot” may get the lowest premium rates and most likely will save quite a bit of money when switching.

Potential customers who may not quite match the requirements will be quoted higher rates with the end result being the customer buying from a different company. The ads say “drivers who switch” not “all people who quote” save that kind of money. This is how companies can truthfully make it sound like they have such great car insurance rates.

This emphasizes why it is so important to compare many company’s car insurance rates. It is impossible to guess which insurance company will give you the biggest savings.

Tailor your insurance coverage coverage to you

When buying the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions could help you determine whether you might need an agent’s assistance.

  • How high should deductibles be on a 2007 Kia Spectra?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is my dog or cat covered if injured in an accident?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I rate my 2007 Kia Spectra as pleasure use or commute?
  • Why am I required to buy liability insurance?
  • Am I covered if I crash into my own garage door?
  • What exactly is covered by my policy?
  • When should I drop full coverage on my 2007 Kia Spectra?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Insurance specifics

Understanding the coverages of insurance can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and reading a policy is terribly boring.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for X-ray expenses, pain medications, prosthetic devices and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Kia Spectra.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Liability coverages

Liability insurance provides protection from damage that occurs to other’s property or people that is your fault. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things like structural damage, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from getting keyed, vandalism and fire damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a building, colliding with a tree, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

In conclusion

When getting insurance quotes online, do not skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced physical damage coverage only to find out they didn’t have enough coverage. Your goal should be to purchase plenty of coverage at the best cost, but do not skimp to save money.

Drivers leave their current company for many reasons like delays in responding to claim requests, lack of trust in their agent, extreme rates for teen drivers and policy non-renewal. It doesn’t matter why you want to switch choosing a new insurance company is not as hard as you think.

Cheaper insurance can be purchased on the web and with local insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance providers may not have the ability to get quotes online and many times these regional carriers only sell through independent agents.

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