View 2008 Kia Spectra Insurance Quotes

Finding low-cost insurance for a Kia Spectra can be difficult, but you can follow the following methods to make it easier.

There is a right way and a wrong way to compare car insurance rates and we’ll show you the absolute fastest way to compare rates on a Kia and obtain the lowest price.

Shopping for affordable car insurance coverage is quite easy. If you are insured now or are shopping for new coverage, you can follow these tips to find the best rates while maintaining coverages. Drivers just need to learn the proper way to shop online.

Discounts to earn affordable insurance rates

Some providers don’t list all their discounts in an easy-to-find place, so we researched some of the best known and also the more inconspicuous credits available to you. If you check and find you aren’t receiving every discount possible, you’re paying more than you need to.

  • Memberships – Affiliation with certain professional organizations can get you a small discount on your bill.
  • No Accidents – Drivers who stay claim-free have much lower rates as opposed to insureds who have frequent claims or accidents.
  • Mature Driver Discount – Older drivers can get a small discount on rates on Spectra coverage.
  • Own a Home – Simply owning a home can get you a discount since home ownership requires personal responsibility.
  • Auto/Life Discount – Some companies give a break if you buy a life policy as well.

One thing to note about discounts is that most discounts do not apply to all coverage premiums. Some only apply to specific coverage prices like liability, collision or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any amount of discount will reduce your insurance premiums.

To choose insurance companies with the best insurance discounts, click this link.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different.

For example, these questions could help you determine whether you might need professional guidance.

  • Am I covered if I hit my neighbor’s mailbox?
  • Do I have coverage when using my vehicle for my home business?
  • What is covered by UM/UIM coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I getting all the discounts available?
  • Should I buy full coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • If I drive on a suspended license am I covered?
  • Does my insurance cover my expensive audio equipment?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage specifics

Knowing the specifics of a auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for nursing services, ambulance fees, pain medications, doctor visits and surgery. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Liability insurance

Liability coverage will cover injuries or damage you cause to other’s property or people in an accident. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things like attorney fees, court costs and bail bonds. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sideswiping another vehicle, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive auto coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, theft and vandalism. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

In conclusion

As you go through the steps to switch your coverage, do not reduce needed coverages to save money. There have been many situations where someone dropped liability limits or collision coverage to discover at claim time they didn’t have enough coverage. The goal is to purchase plenty of coverage at the lowest possible cost while still protecting your assets.

Budget-conscious 2008 Kia Spectra insurance can be bought from both online companies in addition to local insurance agencies, and you should compare rates from both to get a complete price analysis. Some insurance providers may not have rate quotes online and many times these smaller providers sell through independent agencies.

Insureds leave their current company for any number of reasons including delays in responding to claim requests, delays in paying claims, unfair underwriting practices and even policy cancellation. Regardless of your reason for switching companies, finding a great new company can be easier than you think.

For more information, feel free to browse the resources below:

Comments About 2008 Kia Spectra Insurance

  1. Cherise Joyner

    I think I’m paying too much. I’m in Miami, FL. Quoted a bunch of companies. Saved about $50 a month. Progressive was the most affordable for me. Good multi-policy discounts. I quoted rates online then called them.

  2. Adrian Benton

    I’m just east of Salt Lake City, UT. I compared lots of rates. Saved darn near $50 a month. State Farm was the most affordable for me. Even increased coverage a bit.

  3. Ami Calderon

    Well-written and thought out article. Went with American Family for my Kia and am saving around $240 a year. Good multi-policy discounts. God forbid I actually have a claim.

  4. Kate Peterson

    I got quite a few price quotes for a 2008 Kia Spectra in Aberdeen, South Dakota. Ended up at roughly $230 every six months with AAA. Did it all online.

  5. Sharen Hayden

    Anyone try to read their policy?

  6. Johnsie Rogers

    Mine is so expensive. Live in Warren, MI. I quoted with 21st Century, AAA, and Esurance for my Kia and I think I saved about $40 each month. Left GEICO to switch. They have a lot of discounts available. Hardly afford to drive anymore.

  7. Willie Powell

    Thanks for putting this site together. I live just to the east of North Charleston, SC. Got car insurance quotes from Allstate, Amica, and some I forget for my 2008 Kia Spectra and I’m now saving $26 a month. Insured with USAA before. I get lower rates because of my clean driving record.

  8. Gail Craft

    Hope my car insurance gets cheaper. I live west of Henderson, NV. Got quotes from Allstate, Auto-Owners, and some I forget for my 2008 Kia Spectra and saved just over $430 a year. Insured with Allstate before. Even increased my liability limits. Just waiting to see how claims go.

  9. Earlie Burton

    I was with The General last year but switched to Progressive. I’m in the suburbs of Missoula, MT. Wish I didn’t have to insure at all.

  10. Eryn Fox

    Progressive is decent in Los Angeles, CA.

  11. Carri Sellers

    I live in a small town just outside of Baton Rouge, Louisiana. Received quotes from State Farm, Erie, and The General for my Kia and saved $168 a year. I think they have home insurance too. Still almost need a second mortgage.

  12. Shane Reynolds

    Cheaper not always better. I live south of Grand Forks, ND. Quoted with The General, Amica, Nationwide, and a couple others for my Kia and saved about $390 a year.

  13. Glenn Heath

    Are Allstate rates cheap in Minnesota?