Searching for better auto insurance rates for your Kia Spectra? Locating better insurance prices for a new or used Kia Spectra can turn out to be a lot of work, but you can learn these tips to make it easier. There are both good and bad ways to compare auto insurance rates so you’re going to learn the proper way to get price quotes for a Kia and locate the lowest price either online or from local insurance agents.
The method we recommend to compare policy rates takes advantage of the fact auto insurance companies provide online access to give free rates quotes. To begin a comparison, all you need to do is provide a small amount of information such as driver ages, whether you drive to work or school, whether you are married, and how much education you have. Your details is instantly provided to many of the top insurers and you should receive rate quotes within a short period of time.
Companies don’t always list every discount they offer in a way that’s easy to find, so we break down some of the best known and also the more inconspicuous credits that you can use to lower your rates.
As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Most cut specific coverage prices like physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, insurance companies wouldn’t stay in business. Any amount of discount will reduce your auto insurance premiums.
Some companies that may include some of the discounts shown above may include but are not limited to:
It’s a good idea to ask each company to apply every possible discount. All car insurance discounts may not be available everywhere.
An important part of buying insurance is that you know the different types of things that help determine your premiums. When consumers understand what impacts premium levels, this helps enable you to make changes that can help you get cheaper rates.
The itemized list below are a few of the “ingredients” used by insurance companies to determine your prices.
When it comes to choosing the right insurance coverage, there really is no one size fits all plan. Everyone’s situation is unique.
Here are some questions about coverages that may help you determine whether you would benefit from professional advice.
If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.
Consumers can’t get away from ads for cheaper insurance from the likes of Allstate and Progressive. All the companies tend to make the same promise about how much you will save if you move your insurance policy to them.
It sounds good, but how can they all charge you a lower premium?
Many companies quote their best rates for the type of driver that will add to their bottom line. One example of a preferred risk may need to be between the ages of 30 and 45, has other policies, and has great credit. A customer who fits that profile will probably get the lowest car insurance rates and is almost guaranteed to save a lot if they switch.
People who don’t meet these standards will have to pay a more expensive rate which translates to the customer buying from a different company. If you pay attention, the ads say “customers that switch” not “everyone who quotes” save that kind of money. That’s why insurance companies can confidently lure you into getting a quote. Because of these techniques, you need to compare many company’s prices. It is impossible to predict with any certainty which company will give you the biggest savings.
Understanding the coverages of insurance can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.
Collision coverages – Collision insurance pays for damage to your Spectra caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision coverage protects against claims such as crashing into a ditch, colliding with a tree, hitting a mailbox and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.
Auto liability – This protects you from injuries or damage you cause to other people or property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.
Liability coverage protects against claims such as court costs, medical expenses, loss of income, pain and suffering and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.
Comprehensive or Other Than Collision – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as rock chips in glass, a tree branch falling on your vehicle, fire damage, a broken windshield and damage from flooding. The highest amount your 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.
Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for bills for nursing services, EMT expenses and chiropractic care. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
UM/UIM Coverage – This provides protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your 2002 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 important protection for you and your family.
You just learned some good ideas how to lower your 2002 Kia Spectra insurance premium rates. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. You may even discover the best premium rates are with a company that doesn’t do a lot of advertising.
When getting insurance coverage quotes online, do not buy poor coverage just to save money. There are too many instances where consumers will sacrifice full coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage at a price you can afford but still have enough coverage for asset protection.
People who switch companies do it for a variety of reasons including poor customer service, not issuing a premium refund, denial of a claim and even being labeled a high risk driver. No matter why you want to switch, finding a new company is pretty simple and you could end up saving a buck or two.
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