Car insurance shoppers not familiar with comparing auto insurance rates on the internet can find purchasing low cost insurance to be a formidable task.
Finding the best rates is quite easy. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Nevertheless, consumers must learn how big insurance companies compete online and take advantage of how the system works.
The are a couple different ways to compare prices from many different insurance companies. The quickest method to find affordable Kia Spectra insurance rates is simply to get online rate quotes. It’s really quite simple and can be done by using one of the methods below.
If you are pressed for time, the simplest way to get quotes is to use a rate comparison form click here to open form in new window. This type of form keeps you from doing separate forms for every car insurance company. Completing one form gets rate comparisons from several companies. It’s definitely the quickest method.
A different way to shop for car insurance online consists of visiting the website of each company and repeat the quote process again and again. For sake of this example, we’ll assume you want to get rates from Auto-Owners, State Farm and GMAC. To get rate quotes you would need to go to every website and enter your policy data, and that explains why we recommend the first method.
To view a list of companies in your area, click here.
The least recommended way to find and compare rates is to spend time driving to all the different insurance agencies. Buying insurance online can eliminate the need for a local agent unless you require the guidance that can only be provided by a licensed insurance agent. Drivers can compare the best prices online but have a local agent actually write the policy.
The method you choose is up to you, but make absolute certain that you use equivalent coverages and limits for each quote you get. If the quotes have different coverage information you will not be able to find the best deal for your Kia Spectra. Having just a slight variation in limits may result in a large different in cost. And when comparison shopping, obtaining a wide range of quotes helps you find the best rates.
Car insurance is not an enjoyable expense, but you may find discounts that you may not know about. A few discounts will be applied at quote time, but some must be asked about before you will receive the discount.
One last thing about discounts, most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn’t make money that way. But any discount will lower the amount you pay for coverage.
Auto insurance companies that may have some of the above discounts may include but are not limited to:
It’s a good idea to ask all companies you are considering which discounts you qualify for. All car insurance discounts may not apply to policyholders in your area.
When it comes to buying adequate coverage, there is no single plan that fits everyone. Everyone’s situation is unique.
For instance, these questions can aid in determining if your situation will benefit from professional help.
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.
Learning about specific coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.
Medical expense coverage
Coverage for medical payments and/or PIP kick in for immediate expenses for pain medications, prosthetic devices, surgery and EMT expenses. They can be used to fill the gap from 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 not available in all states but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like damage from getting keyed, hitting a bird and a broken windshield. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Collision coverage pays for damage to your Spectra resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.
Collision can pay for claims such as hitting a parking meter, sustaining damage from a pot hole, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.
Uninsured or underinsured coverage
Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your 2009 Kia Spectra.
Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Auto liability insurance
Liability coverage will cover damage that occurs to other people or property in an accident. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.
Liability can pay for things such as medical services, repair costs for stationary objects and legal defense fees. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.