Save on 2000 Kia Spectra Insurance Cost

Having to pay for overpriced auto insurance can bottom out your monthly budget and make it tough to pay other bills. Comparing price quotes is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

Since drivers have many companies to choose from, it is hard for the average consumer to locate the most cost effective company.

Compare car insurance rates

Effectively comparing car insurance prices can be a daunting task if you don’t know the fastest way to get free quotes. You can waste hours talking about coverages with insurance agencies in your area, or you could save time and use the web to quickly compare rates.

Many companies belong to a marketplace where prospective buyers submit one quote, and each participating company returns a rated price. This saves time by eliminating quote requests to each company.

To find out how much you can save on car insurance click here (opens in new window).

The only downside to using this type of system is that you can’t choose which insurance companies to get pricing from. So if you prefer to pick specific providers to compare prices, we have a listing of low cost car insurance companies in your area. Click here to view list.

The approach you take is up to you, just make darn sure you compare equivalent coverages for every company. If you compare different data it’s not possible to truly determine the lowest rate. Even a minor difference in coverages can mean a large discrepancy in price. And when price shopping your coverage, comparing more company’s prices will improve the odds of getting more affordable rates.

Lower rates by qualifying for discounts

Auto insurance companies don’t always advertise every disount available very well, so here is a list some of the more common and also the lesser-known credits available to lower your premiums when you buy insurance online.

• Seat Belt Discounts – Using a seat belt and requiring all passengers to fasten their seat belts can save up to 15% off the PIP or medical payment premium.
• Payment Method – If you pay your entire premium ahead of time as opposed to paying monthly you could save 5% or more.
• Paper-free Discount – A few larger online companies will give a small break just for signing your application over the internet.
• Homeowners Savings – Owning your own home or condo can help you save on insurance coverage since owning and maintaining a home demonstrates responsibility.
• Discount for Life Insurance – Select companies reward you with a break if you buy a life insurance policy as well.
• Good Grades Discount – This discount may save as much as 25% on a insurance quote. Many companies even apply the discount to college students until age 25.
• Discount for New Cars – Insuring a vehicle that is new can be considerably cheaper since new vehicles are generally safer.
• Low Mileage Discounts – Driving less can qualify you for better insurance coveragerates on cars that stay parked.

You can save money using discounts, but most of the big mark downs will not be given the the whole policy. Most only apply to individual premiums such as comprehensive or collision. Just because you may think it’s possible to get free car insurance, you’re out of luck.

A list of companies and some of their more popular discounts are included below.

• Progressive may offer discounts for multi-policy, homeowner, continuous coverage, good student, multi-vehicle, online signing, and online quote discount.
• AAA offers premium reductions for anti-theft, education and occupation, multi-car, multi-policy, AAA membership discount, and good student.
• Farmers Insurance discounts include electronic funds transfer, bundle discounts, mature driver, good student, pay in full, and distant student.
• Geico may have discounts that include multi-vehicle, emergency military deployment, federal employee, military active duty, multi-policy, and five-year accident-free.
• Esurance offers discounts for Switch & Save, claim free, anti-lock brakes, emergency road assistance, defensive driver, and multi-car.
• SAFECO includes discounts for bundle discounts, teen safety rewards, teen safe driver, anti-theft, drive less, multi-car, and accident prevention training.
• State Farm policyholders can earn discounts including safe vehicle, good student, driver’s education, Steer Clear safe driver discount, and anti-theft.

When getting free insurance quotes, it’s a good idea to every insurance company which discounts they offer. Depending on the company, some discounts may not be available in your state. If you would like to see a list of providers who offer discounts, click here.

Insurance is unique, just like you

When choosing coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that may help you determine whether your personal situation would benefit from professional advice.

• Why am I required to get a high-risk car insurance policy?
• Is extra glass coverage worth it?
• Is my teen driver covered when they drive my company car?
• What is no-fault insurance?
• Which companies will insure high-risk drivers?
• What is the minimum liability in my state?
• Should I waive the damage coverage when renting a car?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Car insurance coverage considerations

Knowing the specifics of a car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages found on most car insurance policies.

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like theft, falling objects, fire damage, hitting a deer and hitting a bird. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance will pay to fix damage to your Spectra resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as hitting a parking meter, hitting a mailbox, crashing into a ditch, driving through your garage door and scraping a guard rail. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Kia Spectra.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like dental work, EMT expenses and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Auto liability insurance

This will cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

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 liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like emergency aid, bail bonds, structural damage and court costs. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.