Cheap 2001 Kia Spectra Car Insurance Rates

Locating cheaper insurance for a Kia Spectra can turn out to be a lot of work, but you can learn these tips and make it easy.

There are more efficient ways to shop for car insurance so you’re going to learn the absolute fastest way to quote coverages for a Kia and get the cheapest rates from both online companies and local agents.

If you have insurance now or need a new policy, you can use these tips to reduce the price you pay while maintaining coverages. Finding more affordable coverage is quite easy. Drivers just need to understand the most effective way to shop their coverage around over the internet.

How to lower your insurance cost

Lowering your 2001 Kia Spectra insurance rates can be surprisingly simple. Drivers just need to take the time getting comparison quotes provided by online insurance companies. This can easily be done in several different ways.

1. If you don’t have a lot of time, the easiest way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This quick form keeps you from doing separate forms for every company. In just a few minutes this one form gets prices estimates from multiple low-cost companies. It’s definitely the quickest method.
2. A more time consuming way to find better pricing requires a trip to the website for each individual company and request a quote. For sake of this example, let’s assume you want comparison quotes from USAA, Geico and Allstate. In order to get each rate, you would have to go to every website to enter the same coverage data repeatedly, which can get rather old. For a list of links to insurance companies in your area, click here.
3. The final way of comparing rate quotes is driving around to and from local insurance agencies. The ability to buy insurance online reduces the need to sit down with an agent unless you have a need for the professional assistance of a licensed agent. Although you can get prices online and have a local agent actually service the policy.

Which method you use is up to you, but try to keep nearly identical coverage data for each comparison quote. If each company quotes higher or lower deductibles you will not be able to get a fair rate comparison.

Insurance Discounts

Insurance is easily one of your largest bills, but you can get discounts that many people don’t even know exist. Some trigger automatically at quote time, but a few need to be asked for prior to receiving the credit.

• ABS Braking Discount – Cars, trucks, and SUVs with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
• Military Discounts – Having a deployed family member could be rewarded with lower rates.
• Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save a little off the medical payments premium.
• Accident Free – Drivers who don’t have accidents pay less compared to bad drivers.
• 55 and Retired – Older drivers are able to get better insurance rates on Spectra coverage.
• Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
• Resident Student – Older children who live away from home at college without a vehicle on campus may be insured at a cheaper rate.
• Passive Restraints and Air Bags – Factory options such as air bags could see savings up to 30%.

We need to note that most discount credits are not given to the entire policy premium. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, that’s just not realistic. Any qualifying discounts should help lower your policy premiums.

Car insurance companies that may include these money-saving discounts include:

• Progressive
• Geico
• State Farm
• Esurance
• The Hartford

If you want inexpensive car insurance quotes, ask every insurance company what discounts are available to you. Savings might not be offered on policies in your area. To see insurance companies that have a full spectrum of discounts, click here to view.

Smart buyers can cut insurance costs

Many different elements are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious such as traffic violations, but some are more obscure like your vehicle usage or your vehicle rating.A large part of saving on auto insurance is knowing some of the factors that go into determining the level of your policy premiums. When you know what positively or negatively impacts premium levels, this enables you to make decisions that may result in better auto insurance rates.

The itemized list below are some of the things used by insurance companies to determine your rate level.

• The higher your credit rating the lower your rates – Having a bad credit score will be a significant factor in determining premium rates. People that have excellent credit tend to file fewer claims and have better driving records than drivers with worse credit. So if your credit history is not that good, you could pay less to insure your 2001 Kia Spectra if you clean up your credit.
• Additional coverages that may be costing you – There are quite a few add-on coverages that you can buy but may not be useful. Insurance for rental car coverage, death and dismemberment, and extra life insurance coverage may not be needed and are just wasting money. These coverages may sound good when discussing your needs, but if you don’t need them eliminate the coverages to reduce your premium.
• No policy claims equals cheaper rates – If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Auto insurance companies provide better rates to policyholders who file claims infrequently. Insurance coverage is meant to be used in the event of claims that you cannot pay yourself.
• Do you save by driving less? – Driving more miles every year the more it will cost to insure it. Most insurance companies calculate prices based on their usage. Cars that sit idle most of the time cost less to insure than those that get driven frequently. Incorrect rating for your Spectra may be costing you higher rates. Verify your declarations sheet is rated on the correct usage for each vehicle, because it can save money.
• With age comes lower prices – More mature drivers are shown to be more cautious, statistically cause fewer accidents and get fewer tickets.Teen drivers are statistically proven to be more careless when behind the wheel and because of this, their auto insurance rates are much higher.

Tailor your auto insurance coverage to you

When choosing coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining whether you could use an agent’s help.

• What is PIP insurance?
• Is business equipment covered while in my vehicle?
• Can I still get insurance after a DUI?
• How do I file an SR-22 for a DUI in my state?
• Is my trailer covered?
• What are the financial responsibility laws in my state?
• Should I drop comprehensive coverage on older vehicles?
• Is my ex-spouse still covered by my policy?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Slick advertising tricks that work

Consumers get pounded daily by advertisements that claim the lowest car insurance rates from companies such as Progressive, Allstate and Geico. They all seem to advertise claims that you’ll save big if you get a free car insurance quote and switch your coverage to them.

How is it possible that every company can charge you less for car insurance? You have to listen carefully.

Insurance companies have a preferred profile for the driver that will generate a profit. For instance, a profitable insured could possibly be a married female, has never had a claim, and chooses high deductibles. Any new insured who fits those characteristics may get the lowest prices and is almost guaranteed to save if they switch.

Drivers who do not fit this ideal profile may receive higher prices and this results in the customer buying from a different company. The ad wording is “drivers who switch” not “everybody who quotes” save the amount stated. This is how insurance companies can make those statements.

Because every company is different, you need to quote coverage with many companies. It is impossible to guess with any certainty which company will be your best fit.

Parts of your car insurance policy

Learning about specific coverages of car insurance aids in choosing the best coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for immediate expenses such as surgery, EMT expenses and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Liability coverages

Liability coverage will cover damages or injuries you inflict on a person or their property. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like loss of income, repair costs for stationary objects, funeral expenses, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2001 Kia Spectra.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, a broken windshield and hitting a bird. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with a tree, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Be a smart shopper

Budget-conscious 2001 Kia Spectra insurance can be found on the web and from local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide the ability to get quotes online and many times these smaller companies sell through independent insurance agencies.

While you’re price shopping online, don’t be tempted to skimp on critical coverages to save a buck or two. There are too many instances where someone dropped collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage at an affordable rate, but do not skimp to save money.

People leave their current company for many reasons like lack of trust in their agent, delays in paying claims, policy non-renewal and even poor customer service. Whatever your reason, finding a new insurance coverage company can be easy and end up saving you some money.

More information can be read on the following sites:

• Understanding Limits and Deductibles (Allstate)
• All About Airbag Safety (State Farm)
• Teen Driver Statistics (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• State Laws for Cellphones and Texting (iihs.org)
• Help Your Teen Be a Better Driver (State Farm)