Cheaper 2004 Kia Spectra Insurance Quotes

Paying low cost premium rates for Driversinsurance coverage may be a challenge for people who are beginners to comparison shopping online. Since there are so many companies competing online, it can easily be a lot of work to find more affordable insurance coverage rates.

Insurance premiums are influenced by these factors

Many things are used in the calculation when pricing auto insurance. Some factors are common sense such as your driving record, but other criteria are more obscure like your continuous coverage or how safe your car is.

• Incidental coverages you don’t use – There are a ton of optional add-on coverages that sound like a good idea at the time on your insurance coverage policy. Things like personal injury protection, better glass coverage, and extra equipment coverage are probably not needed. These may sound like a good investment when talking to your agent, but if you don’t need them eliminate them to save money.
• Youthful drivers cost more – Older people are more responsible, tend to cause fewer accidents , and usually have better credit.Beginning drivers are statistically shown to be less responsible when at the wheel of a vehicle so they pay higher insurance coverage rates.
• Save money with higher deductibles – Comp and collision deductibles state the amount of money you are required to pay before your insurance coverage pays a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some instances where coverage would apply would be colliding with a stationary object, collision with a deer, and having a roll-over accident. The more money the insured is willing to pay, the lower your rates will be on Spectra insurance.
• Drive a safer car and pay less – Cars with five star safety ratings get lower rates. Vehicles engineered for safety reduce the chance of injuries and lower injury rates means your insurance company pays less and cheaper rates on your policy.
• Liability coverage limits on your policy – The liability coverage on your policy provides coverage when a court rules you are at fault for damages from an accident. It provides legal defense to defend your case. It is affordable coverage compared to other policy coverages, so do not cut corners here.
• A lcoverage lapse is a bad thing – Driving your car without having proper coverage is not a good idea and companies may charge more for letting your insurance lapse. Not only will you pay more, being ticketed for driving with no insurance may result in fines and jail time.
• Alarms and GPS tracking lower insurance coverage rates – Purchasing a vehicle with an alarm system can help lower your premiums. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent auto theft and help lower rates.

Take advantage of every insurance coverage discount

Not many people think insurance is cheap, but there could be significant discounts to cut the cost considerably. Many discounts should be triggered when you quote, but lesser-known reductions have to be inquired about in order for you to get them.

• Discount for Life Insurance – Select insurance carriers reward you with lower prices if you buy life insurance from them.
• Multi-car Discount – Buying a policy with multiple cars on the same insurance coverage policy qualifies for this discount.
• Discount for Home Ownership – Just being a homeowner can get you a discount because owning a home requires a higher level of personal finance.
• Anti-theft System – Cars and trucks that have factory anti-theft systems prevent vehicle theft and will qualify for a discount on a car insurance quote.
• Good Students Pay Less – Excelling in school can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
• Payment Method – If paying your policy premium upfront instead of paying each month you can avoid monthly service charges.
• Savings for New Vehicles – Insuring a new car can be considerably cheaper because new vehicles keep occupants safer.

Don’t be surprised that some of the credits will not apply to the entire policy premium. Some only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like you could get a free insurance coverage policy, insurance companies wouldn’t stay in business. Any qualifying discounts will definitely reduce your policy premiums.

Large insurance coverage companies and their possible discounts can be found below.

• State Farm may have discounts that include safe vehicle, student away at school, multiple policy, driver’s education, accident-free, and good student.
• American Family has savings for TimeAway discount, Steer into Savings, good driver, accident-free, bundled insurance, mySafetyValet, and early bird.
• AAA may include discounts for AAA membership discount, multi-policy, good student, anti-theft, education and occupation, and pay-in-full.
• Geico offers discounts including daytime running lights, federal employee, anti-theft, defensive driver, membership and employees, and military active duty.
• Mercury Insurance has discounts for ease of repair, multi-car, low natural disaster claims, anti-theft, and good student.
• Farmers Insurance may offer discounts for electronic funds transfer, switch companies, good student, youthful driver, and bundle discounts.
• Progressive offers premium reductions for good student, multi-policy, multi-vehicle, online quote discount, homeowner, and online signing.

When quoting, ask every insurance company which discounts can lower your rates. Some credits might not be offered on policies everywhere.

Ads can be misleading

Respected companies like Allstate and Progressive endlessly run television and radio advertisements. They all seem to make the point of big savings if you get a free car insurance quote and switch your policy. How do they all say the same thing? It’s all in the wording.

Insurance companies have an ideal profile for the type of driver that earns them the most money. One example of a preferred risk might have to be a female over age 40, has never had a claim, and drives newer vehicles. A driver that hits that “sweet spot” will get the preferred auto insurance rates and will most likely save money with a new company.

Potential customers who are not a match for this ideal profile will probably have to pay more expensive rates and ends up with the customer buying from a different company. The trick is to say “customers that switch” not “everyone who quotes” can get the lowest rates when switching. This is how insurance companies can confidently make claims that they all have the best rates.

This emphasizes why it is so important to get a wide range of price quotes. It is impossible to predict which insurance companies will have the lowest rates.

How to know if you need help

When choosing the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Every situation is different.

These are some specific questions can help discover if your situation will benefit from professional help.

• Are rock chip repairs covered?
• Am I covered if my car is in a flood?
• Is my teen driver covered when they drive my company car?
• How much liability insurance is required?
• Is my teenager covered with friends in the car?
• Can I make deliveries for my home business?
• What is covered by UM/UIM coverage?
• Should I carry comprehensive and collision coverage?
• Can I rate high risk drivers on liability-only vehicles?
• Should I rate my 2004 Kia Spectra as pleasure use or commute?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Specific coverage details

Understanding the coverages of your insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for doctor visits, dental work, pain medications, chiropractic care and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 2004 Kia Spectra.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these limits are identical to your policy’s liability coverage.

Auto liability insurance

This provides protection from damage or injury you incur to other people or property. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 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 and claims can be made without the split limit restrictions.

Liability coverage protects against claims like legal defense fees, bail bonds, loss of income, structural damage and medical services. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Comprehensive auto coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hitting a deer, damage from getting keyed, rock chips in glass and a broken windshield. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision insurance

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

Collision can pay for claims like colliding with another moving vehicle, sustaining damage from a pot hole, crashing into a ditch, scraping a guard rail and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Save your hard earned cash

Cost effective 2004 Kia Spectra insurance can be purchased on the web and from local insurance agents, and you should be comparing both to have the best rate selection. Some insurance companies may not have price quotes online and these regional insurance providers only sell coverage through independent agencies.

As you restructure your insurance plan, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where an insured dropped full coverage only to find out they didn’t purchase enough coverage. The proper strategy is to purchase plenty of coverage for the lowest cost, but do not skimp to save money.

Consumers leave their current company for a number of reasons such as delays in paying claims, extreme rates for teen drivers, an unsatisfactory settlement offer and even questionable increases in premium. No matter why you want to switch, finding a great new company is not as difficult as it may seem.

Helpful articles

• Safe Vehicles for Teens (iihs.org)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Rollover Crash FAQ (iihs.org)
• Vehicle Safety Ratings (iihs.org)
• Winter Driving (Insurance Information Insitute)