Save on 2000 Kia Spectra Insurance Quotes

Drivers have many options when trying to find low-cost Kia Spectra insurance. They can either spend hours contacting agents trying to get quotes or utilize the internet to make rate comparisons.

There are both good and bad ways to buy auto insurance and you need to know the quickest way to quote coverages for a new or used Kia and obtain the lowest price either online or from local insurance agents.

It’s smart to get comparison quotes yearly because auto insurance prices fluctuate regularly. Even if you think you had the lowest rates on Spectra insurance a year ago there is a good chance you can find better rate quotes now. Block out anything you think you know about auto insurance because you’re about to learn the proper way to buy cheaper auto insurance.

How your Spectra insurance prices are determined

Consumers need to have an understanding of some of the things that are used to determine your premiums. When consumers understand what determines premiums, this empowers consumers to make smart changes that could result in cheaper rates.

The following are some of the factors used by companies to determine your rates.

  • Traffic violations inflate premiums – Drivers who don’t get tickets have lower premiums as compared to careless drivers. Getting just one speeding ticket or other violation can bump up the cost forty percent or more. Drivers who get multiple violations such as DWI, reckless driving or hit and run convictions are required to complete a SR-22 with their state in order to drive a vehicle legally.
  • Cut car insurance rates and deter theft – Selecting a car model with an alarm system can get you a discount on your car insurance. Advanced theft deterrents like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart your vehicle from being stolen.
  • Rate your vehicle for proper use – The more miles you rack up on your Kia in a year the more you’ll pay to insure your vehicle. Most insurance companies charge rates based on their usage. Cars and trucks left parked in the garage receive lower rates compared to those used for work or business. An improperly rated Spectra can result in significantly higher rates. It’s always a good idea to double check that your car insurance declarations sheet correctly shows annual mileage, because improper ratings can cost you money.
  • Cars with good safety ratings mean better prices – Cars with high safety ratings tend to have lower insurance rates. Highly rated vehicles protect occupants better and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders.
  • Which gender costs less? – The statistics show that women are safer drivers than men. However, this does not mean women are better drivers. Both sexes tend to get into accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also get ticketed for serious violations like DWI (DUI) or reckless driving.

Pay discount rates with these discounts

Companies offering auto insurance don’t list the entire discount list in a way that’s easy to find, so the list below contains some of the more common and also the more inconspicuous car insurance savings.

  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and therefore earn up to a 10% discount.
  • Telematics Discount – Policyholders that allow their insurance company to analyze their driving habits by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if they exhibit good driving behavior.
  • Responsible Driver Discount – Insureds who avoid accidents can get discounts for up to 45% lower rates on Spectra insurance than drivers with accidents.
  • Multi-line Discount – If the company offers life insurance, you could get a break if you buy a life policy as well.
  • Good Student Discount – Being a good student may save as much as 25% on a insurance coverage quote. The discount lasts up to age 25.
  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle up can save 10% or more on the medical payments or PIP coverage costs.

As is typical with insurance, many deductions do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, car insurance companies aren’t that generous.

To find companies with discount rates, click here to view.

Ads can be misleading

Consumers can’t ignore all the ads for the lowest price car insurance from the likes of State Farm, Allstate and Geico. They all seem to seem to make the promise about saving some big amount just by moving your car insurance policy to them.

That’s great but how can every company make the same claim? It’s all in the numbers.

All the different companies offer their best rates for the type of driver that earns them the most money. For instance, a desirable insured could possibly be between the ages of 30 and 45, has a clean driving record, and chooses high deductibles. A propective insured who fits those characteristics receive the lowest rate quotes and is almost guaranteed to save some money.

Insureds who fall outside these criteria may receive higher prices which translates to the customer buying from someone else. If you listen closely, the ads state “drivers who switch” but not “everyone who gets a quote” will save that much if they switch. That’s why insurance companies can confidently make the claims of big savings.

Because of this risk profiling, you really need to do a price quote comparison at every renewal. Because without a comparison, you cannot know which car insurance company will have better rates than you’re paying now.

Your situation helps dictate your coverage

When it comes to choosing coverage for your vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions might help in determining whether your personal situation would benefit from professional advice.

  • Where can I find high-risk insurance?
  • Can I rate high risk drivers on liability-only vehicles?
  • What is UM/UIM insurance?
  • Is my teenager covered with friends in the car?
  • Does my policy pay for OEM or aftermarket parts?
  • What is PIP insurance?
  • Am I missing any policy discounts?
  • Is my camper covered by my car insurance policy?
  • When would I need rental car insurance?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Car insurance coverage basics

Having a good grasp of a car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a building, colliding with a tree, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability auto insurance

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

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like medical expenses, repair bills for other people’s vehicles, bail bonds and structural damage. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Kia Spectra.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as funeral costs, rehabilitation expenses, hospital visits and dental work. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, vandalism, hail damage and falling objects. The most your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Final thoughts

Cheaper 2000 Kia Spectra insurance can be found both online in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies may not offer price quotes online and these small, regional companies only sell through independent insurance agents.

We just presented a lot of information how to get a better price on 2000 Kia Spectra insurance. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. Drivers may discover the lowest prices come from some of the smallest insurance companies.

As you restructure your insurance plan, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced comprehensive coverage or liability limits only to regret that the savings was not a smart move. Your strategy should be to find the BEST coverage at the best possible price, but don’t skip important coverages to save money.

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