Cheap 2007 Kia Spectra Insurance Quotes

Finding better insurance prices for your Kia Spectra can be a painful process, but you can learn a few tricks to save time.

There are more efficient ways to buy car insurance and we’ll show you the quickest way to get price quotes for a new or used Kia and find the lowest possible price from both online companies and local agents.

It’s a great practice to do price comparisons on a regular basis because prices change quite often. Just because you found the lowest quotes on Spectra coverage last year you will most likely find a better rate today. Forget all the misinformation about car insurance because you’re about to learn one of the best ways to save money, get proper coverage and the best rates.

Discount auto insurance rates

Auto insurance is not inexpensive, but there could be available discounts to help offset the cost. Certain reductions will be credited at the time of quoting, but occassionally some discounts must be requested specifically before being credited.

  • Claim Free – Drivers with accident-free driving histories pay much less when compared to bad drivers.
  • Data Collection Discounts – Drivers that enable their company to track driving habits by installing a telematics device such as Progressive’s Snapshot could possibly reduce rates as long as they are good drivers.
  • Driver’s Education for Students – Teen drivers should enroll in driver’s education if offered at their school.
  • Payment Method – If you can afford to pay the entire bill instead of making monthly payments you may have a lower total premium amount.
  • New Vehicle Savings – Insuring a new car can be considerably cheaper because new model year vehicles are generally safer.
  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off on Spectra coverage depending on your company.
  • Good Grades Discount – This discount could provide a savings of up to 20% or more. The good student discount can last until age 25.
  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and can earn a small discount on your policy.
  • Low Mileage Discounts – Maintaining low annual mileage may enable drivers to earn discounted premium rates on garaged vehicles.
  • Paperless Signup – A handful of larger companies will discount your bill up to fifty bucks for completing your application digitally online.

It’s important to note that most discounts do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like adding up those discounts means a free policy, auto insurance companies aren’t that generous. Any qualifying discounts will bring down the amount you have to pay.

Large auto insurance companies and a selection of discounts are shown below.

  • State Farm offers discounts including student away at school, driver’s education, passive restraint, good driver, and multiple autos.
  • Progressive has savings for continuous coverage, multi-policy, online signing, homeowner, multi-vehicle, online quote discount, and good student.
  • Progressive may include discounts for online signing, online quote discount, multi-vehicle, homeowner, multi-policy, continuous coverage, and good student.
  • MetLife discounts include defensive driver, claim-free, good driver, accident-free, good student, and multi-policy.
  • Farm Bureau offers premium reductions for renewal discount, 55 and retired, driver training, youthful driver, good student, multi-vehicle, and safe driver.
  • Geico has discounts for military active duty, air bags, emergency military deployment, seat belt use, and defensive driver.
  • SAFECO offers discounts for homeowner, teen safety rewards, anti-theft, bundle discounts, anti-lock brakes, and accident prevention training.

Check with every company which discounts you may be entitled to. Some discounts might not apply everywhere.

Insurance rates are influenced by these factors

One of the most helpful ways to save on car insurance is to to have a grasp of the factors that help calculate the rates you pay for car insurance. If you know what determines premiums, this helps enable you to make changes that could help you find lower premium levels. Multiple criteria are taken into consideration when pricing auto insurance. Most are fairly basic such as your driving record, although some other factors are not quite as obvious like your vehicle usage or your vehicle rating.

The following are some of the factors used by your company to calculate prices.

  • Your address can influence price – Living in smaller towns and rural areas of the country has definite advantages when buying car insurance. Drivers who live in large cities regularly have much more traffic and a longer drive to work. Fewer drivers and short commutes means a lower chance of having an accident.
  • Your gender affects costs – Over time, data shows that women are safer drivers than men. However, this does not mean men are worse drivers. Males and females have accidents in similar numbers, but the males cause more damage and cost insurance companies more money. In addition to higher claims, males also get cited for more serious violations like DWI (DUI) or reckless driving. Males from age 16 to 21 generally have the highest accident percentage and therefore are the most expensive to insure.
  • Discounts for married drivers – Being married actually saves money compared to being single. Marriage usually means you are more responsible it has been statistically shown that drivers who are married file infrequent claims.
  • Vocation stress can make you pay more – Occupations like military generals, executives and stock brokers have higher rates than average because of high stress and lots of time spent at work. On the flip side, careers like scientists, athletes and homemakers generally pay rates lower than average on Spectra coverage.
  • Don’t skimp on liability insurance – The liability coverage on your policy will afford coverage when you are found liable for causing damage or personal injury in an accident. Your policy’s liability insurance provides you with a defense in court to defend your case. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.
  • Annual miles is a factor – The more you drive each year the more you will pay for car insurance. Most companies charge rates partially by how you use the vehicle. Cars and trucks that do not get driven very much receive lower rates than cars that get driven a lot. An improperly rated Spectra may be costing you higher rates. It’s a smart idea to ensure your car insurance policy correctly shows annual mileage, because improper ratings can cost you money.
  • Drivers with responsible credit save – Your credit rating is a large factor in calculating your premium rate. Therefore, if your credit rating is not that good, you could pay less to insure your 2007 Kia Spectra by improving your credit score. People with very good credit scores tend to be less risk to insure than those with poor credit scores.
  • Stay claim-free and save money – If you frequently file small claims, you should expect much higher rates or policy non-renewal. Insurance companies generally give most affordable rates to drivers who file claims infrequently. Auto insurance is intended for the large, substantial claims.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Each situation is unique.

For example, these questions can help discover if your insurance needs might need an agent’s assistance.

  • How do I buy GAP insurance?
  • Is my ex-spouse still covered by my policy?
  • Is my state a no-fault state?
  • Do I benefit by insuring my home with the same company?
  • What exactly is covered by my policy?
  • Am I covered when driving someone else’s vehicle?
  • Do I need replacement cost coverage on my 2007 Kia Spectra?
  • What is the minimum liability in my state?
  • When can I cancel my policy?
  • Should I buy only the required minimum liability coverage?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Insurance coverage basics

Having a good grasp of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Collision insurance

Collision coverage will pay to fix damage to your Spectra from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as driving through your garage door, scraping a guard rail, hitting a parking meter, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Auto liability insurance

This coverage will cover injuries or damage you cause to other people or property by causing an accident. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as legal defense fees, medical expenses, emergency aid and pain and suffering. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

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 a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, rock chips in glass, fire damage and hail damage. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills like chiropractic care, funeral costs, doctor visits, nursing services and X-ray expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Save your cold hard cash

Lower-priced insurance coverage can be sourced both online as well as from insurance agents, and you should compare rates from both to get a complete price analysis. Some insurance providers don’t offer internet price quotes and many times these regional insurance providers prefer to sell through independent agents.

When you buy insurance coverage online, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice collision coverage only to regret at claim time they didn’t purchase enough coverage. The goal is to buy enough coverage at a price you can afford while not skimping on critical coverages.

You just read a lot of techniques to lower your 2007 Kia Spectra insurance rates. It’s most important to understand that the more companies you get car insurance rates for, the better chance you’ll have of finding the cheapest insurance coverage. Consumers could even find that the lowest rates come from some of the smallest insurance companies.

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Comments About 2007 Kia Spectra Insurance

  1. Celinda Bray

    In Lewiston, Maine, AAA had the best rates for my 2007 Kia Spectra. :P

  2. Dalila Bernard

    Here’s what I found out. From northwest of Concord, NH. Received quotes from Progressive, GMAC, and Erie for my 2007 Kia Spectra and cut my rates about $540 a year. Got better coverage too. Not sure if rates are cheaper online or through an agent.

  3. Tyisha Leon

    From northwest of Cranston, RI. Quoted prices from AAA, MetLife, and Travelers for my Kia and I think I saved about $40 each month. I just quoted rates online.

  4. Jerold England

    Liked the article. Live in Seattle, WA. Quoted prices online for a 2007 Kia Spectra. Ended up at about $430 savings annually. Went with Allstate. Left Liberty Mutual to switch. Got better coverage too.

  5. Page Valenzuela

    Lots of good stuff here. Went with The General for my 2007 Kia Spectra and cut my rates about $470 a year. Insured with MetLife before. I got prices on the web.

  6. Candace Hurley

    I got decent rates for a 2007 Kia Spectra in Juneau, AK. Ended up at right around $260 every six months with AAA. Left Liberty Mutual to switch. Got better coverage too.

  7. Lauretta Taylor

    Thought I’d throw in my experience. I’m from Albuquerque, New Mexico. I got free prices from AAA, Encompass, and Sentry for my 2007 Kia Spectra and saved about $130 a year. I think they have home insurance too. Can still barely afford it.

  8. Sergio Bowman

    Are custom wheels covered by insurance?

  9. Hailey Stafford

    I found cheap 2007 Kia Spectra insurance in Baltimore, Maryland with Allstate.

  10. Gustavo Byrd

    From east side of South Burlington, VT. I compared lots of rates. Saved darn near $40 a month. Allstate was the best choice for me. Left MetLife to switch. I have several vehicles insured with them. I used their online quote form to compare rates.