Save on 2006 Kia Spectra Insurance Rates

Locating the cheapest insurance for your Kia Spectra could be an all-consuming task, but you can use our insurance coverage buying tips to find lower rates.

There is a better way to compare insurance coverage rates so you’re going to learn the absolute fastest way to price shop coverage for your Kia and find the lowest price from local insurance agents and online providers.

You need to shop coverage around yearly because insurance coverage prices change quite often. Just because you had the lowest rates on Spectra coverage at your last renewal you can probably find a better rate quote now. Ignore everything you know about insurance coverage because you’re about to learn the proper way to eliminate unnecessary coverages and save money.

If you are insured now or are shopping for new coverage, you can use these tips to find better prices while maintaining coverages. Locating the best auto insurance is not that difficult. Vehicle owners only need to know the most effective way to find the lowest price online.

Get affordable insurance with discounts

Companies do not advertise the complete list of policy discounts in an easy-to-find place, so we break down some of the more common as well as some of the hidden credits available to you. If you’re not getting every credit possible, you could be paying more than you need to.

• Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle up can save a little on the medical payments or PIP coverage costs.
• Senior Citizen Rates – If you’re over the age of 55, you are able to get lower premium rates on Spectra coverage.
• Multi-car Discount – Drivers who insure multiple cars on the same insurance policy can reduce rates for all insured vehicles.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS and/or traction control can avoid accidents so companies give up to a 10% discount.
• Switch and Save Discount – A few insurance companies give discounts for switching policies early. You can save around 10% with this discount.
• Government Employees – Simply working for the federal government could cut as much as 10% off on Spectra coverage but check with your company.
• Good Grades Discount – Getting good grades can earn a discount of 20% or more. The good student discount can last up to age 25.
• Student in College – College-age children who attend college more than 100 miles from home and leave their car at home may be insured at a cheaper rate.
• Homeowners Pay Less – Simply owning a home may trigger a policy discount on insurance because maintaining a house shows financial diligence.
• New Vehicle Savings – Buying a new car instead of a used car is cheaper because new vehicles keep occupants safer.

Keep in mind that some of the credits will not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount will lower the premium cost.

Some companies that may offer policyholders most of these discounts may include but are not limited to:

• Geico
• Travelers
• Nationwide
• Farmers Insurance
• Esurance
• State Farm
• Progressive
• Mercury Insurance

Before buying, ask each insurance company which credits you are entitled to. A few discounts might not be offered on policies everywhere. To see companies with the best discounts, click this link.

Where can I get the cheapest insurance coverage?

All the larger insurance coverage companies give insurance quotes direct online. Doing online price comparisons is pretty easy as all you need to do is type in the coverage amounts you desire into the quote form. Once entered, the system gets your credit score and driving record and quotes a price based on many factors.

This makes it simple to compare prices but the time required to go to multiple sites and type in the same information gets old quite quickly. But it’s necessary to have as many quotes as possible in order to get the lowest possible prices on insurance coverage.

The easy way to compare rates

A quicker way to locate the lowest prices makes use of a single form to obtain quotes from multiple companies. This type of form saves time, eliminates form submissions, and makes online price comparison much more efficient. After your information is entered, it is quoted and you are able to buy your choice of the pricing results.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. This process only takes a few minutes and you will know how your current rates stack up.

To quickly find out how much you’re overpaying now, click here to open in new window and input your coverage information. If you currently have coverage, we recommend you input deductibles and limits exactly as shown on your declarations page. This guarantees you will have an apples-to-apples comparison using the same coverage and limits.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every insured’s situation is different.

For example, these questions might help in determining if your situation may require specific advice.

• Are there companies who specialize in insuring high-risk drivers?
• Do I need higher collision deductibles?
• Does my car insurance cover rental cars?
• What is roadside assistance coverage?
• Are my friends covered when driving my 2006 Kia Spectra?
• Do I need replacement cost coverage on my 2006 Kia Spectra?
• Is my babysitter covered when using my vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

The coverage is in the details

Learning about specific coverages of auto insurance can be of help when determining the right coverages for your vehicles. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Liability auto insurance

Liability insurance can cover damage that occurs to people or other property. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like repair costs for stationary objects, pain and suffering and legal defense fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

This pays for damage to your Spectra caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as driving through your garage door, hitting a parking meter, backing into a parked car, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for bills for rehabilitation expenses, X-ray expenses, hospital visits and dental work. They 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 as well as getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Comprehensive or Other Than Collision

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from a tornado or hurricane, vandalism, hitting a bird and a tree branch falling on your vehicle. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

A penny earned…

Consumers change insurance companies for many reasons like policy non-renewal, lack of trust in their agent, delays in paying claims or not issuing a premium refund. It doesn’t matter what your reason, choosing a new company is not as difficult as it may seem.

Cost effective 2006 Kia Spectra insurance can be purchased on the web as well as from independent agents, and you should be comparing both to get a complete price analysis. Some insurance coverage companies may not offer rates over the internet and usually these small, regional companies sell through independent insurance agents.

When shopping online for insurance coverage, it’s a bad idea to reduce needed coverages to save money. There have been many cases where someone sacrificed collision coverage to discover at claim time that it was a big mistake. The aim is to find the BEST coverage at a price you can afford but still have enough coverage for asset protection.

More information is located on the following sites:

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)
• What is a Telematics Device? (Allstate)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)