2003 Kia Spectra Insurance Quotes

Drivers have a choice when trying to find affordable Kia Spectra insurance. They can either spend hours driving around getting price quotes or use the internet to get rate quotes. There are both good and bad ways to buy insurance and you need to know the absolute fastest way to price shop coverage for a Kia and find the lowest price either online or from local insurance agents.

Finding the best rates is easy if you know what you’re doing. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these tips. Drivers only need to know the most effective way to compare company rates online.

How to get free insurance quotes online

Lowering your 2003 Kia Spectra insurance rates is pretty simple and can save money. Drivers just need to invest a little time comparing price quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

  1. The simplest way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This quick form saves time by eliminating a different quote for every insurance company. In just a few minutes this one form gets prices estimates instantly. It’s the fastest way to compare.
  2. A different way to find better pricing requires you to visit the website of each company to request a price quote. For sake of this example, let’s assume you are doing a rate comparison from State Farm, Farmers and Allstate. In order to get each rate, you would have to go to each individual site and enter your information, which is why first method is reommended.

    For a list of links to companies insuring cars in your area, click here.

You can use whichever method you prefer to find lower rates, just make darn sure you compare equivalent information for each comparison quote. If you have higher or lower deductibles it will be very difficult to truly determine the lowest rate.

Do you qualify for discounts?

Companies don’t list every available discount very clearly, so we took the time to find a few of the more well known and the harder-to-find discounts you could be receiving when you buy car insurance online. If they aren’t giving you every credit you deserve, you could be saving more on your auto insurance.

  • Braking Control Discount – Cars with anti-lock braking systems are much safer to drive and the ABS can save up to 10%.
  • Theft Prevention Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems prevent vehicle theft so companies will give you a small discount.
  • Good Student Discount – Being a good student may save as much as 25% on a car insurance quote. The discount lasts up to age 25.
  • One Accident Forgiven – This isn’t a discount exactly, but some companies like Allstate, Progressive, and Geico will allow you to have one accident before hitting you with a surcharge if you are claim-free prior to being involved in the accident.
  • Homeowners Discount – Being a homeowner can save you money because maintaining a house demonstrates responsibility.
  • Onboard Data Collection – Drivers that enable driving data submission to analyze driving manner by installing a telematics device like Allstate’s Drivewise could see a rate decrease if they exhibit good driving behavior.
  • Driver’s Education for Students – Teen drivers should complete a driver education course as it can save substantially.
  • Multi-line Discount – Larger insurance companies have a discounted auto insurance rate on car insurance if you buy a life insurance policy as well.

A quick disclaimer, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, you’re out of luck.

A list of auto insurance companies and some of their more popular discounts are detailed below.

  • Esurance offers premium reductions for claim free, DriveSense, Switch & Save, defensive driver, anti-theft, and multi-policy.
  • The Hartford may have discounts that include anti-theft, air bag, good student, vehicle fuel type, bundle, and driver training.
  • AAA may include discounts for multi-policy, pay-in-full, good driver, multi-car, AAA membership discount, and good student.
  • Geico offers discounts including good student, federal employee, emergency military deployment, air bags, five-year accident-free, and seat belt use.
  • State Farm has discounts for defensive driving training, student away at school, Steer Clear safe driver discount, anti-theft, Drive Safe & Save, and good student.

If you need low cost car insurance quotes, ask every company which discounts they offer. Savings might not be offered on policies in your area. For a list of companies who offer free auto insurance quotes, follow this link.

Don’t assume everyone needs the same insurance coverage coverage

When choosing proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique.

These are some specific questions might help in determining whether or not you might need an agent’s assistance.

  • Are my friends covered when driving my car?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my teenager covered with friends in the car?
  • Is my babysitter covered when using my vehicle?
  • Is a blown tire covered by insurance?
  • Is business property covered if stolen from my car?
  • Do I need motorclub coverage?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

The Kia Spectra insurance rate equation

Smart consumers have a good feel for the rating factors that come into play when calculating your auto insurance rates. If you understand what influences your rates, this allows you to make good choices that may result in big savings.

The factors shown below are some of the most rate-impacting factors used by companies to determine your prices.

  • Prevent theft and save money – Choosing to buy a car with an alarm system can get you a discount on your auto insurance. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft and help bring rates down.
  • Youthful drivers pay high rates – Drivers with little experience are statistically shown to be easily distracted when driving therefore auto insurance rates are much higher. Parents adding a first-time driver onto a policy can increase premiums substantially. More experienced drivers have been proven to be more responsible, cause fewer claims and accidents and get fewer tickets.
  • Raise your coverage deductibles for better prices – The deductibles you choose state the amount of money you are required to spend out-of-pocket if the claim is covered. Protection for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply are a windshield broken by a bird, damage from fire, and having a roll-over accident. The higher the amount you are required to pay out-of-pocket, the less your auto insurance will be for Spectra insurance.
  • Do you really need the incidental coverages? – There are a ton of optional add-on coverages that can waste your money but may not be useful. Add-on coverages like personal injury protection, towing, and term life insurance are some examples. They may seem like a good idea when discussing your needs, but if they’re wasting money consider taking them off your policy.
  • Rates may be lower depending on your occupation – Did you know your auto insurance rates can be affected by your occupation? Jobs such as fire fighterspolice officers and emergency personnel tend to have higher rates than the rest of us attributed to intense work-related stress and long work days. On the other hand, occupations such as farmers, historians and performers pay lower than average rates for Spectra insurance.
  • Does car insurance cost more for men? – Over the last 30 years, statistics show that females take fewer risks when driving. The data does not necessarily mean that females are better drivers. Men and women get in fender benders at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically get higher numbers of serious violations like DUI and reckless driving. Young men ages 16 to 20 are most likely to cause an accident and therefore are the most expensive to insure.
  • Vehicles with better crash test results cost less to insure – Safe vehicles get lower rates. Safer cars reduce the chance of injuries and lower injury rates means your insurance company pays less and cheaper rates on your policy. If your Kia Spectra scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.

Educate yourself about insurance coverages

Understanding the coverages of insurance can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Auto liability insurance

This coverage provides protection from injuries or damage you cause to other people or property by causing an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like attorney fees, legal defense fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like dental work, nursing services and prosthetic devices. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, falling objects, rock chips in glass, hitting a bird and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto collision coverage

Collision insurance pays for damage to your Spectra from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as rolling your car, colliding with another moving vehicle, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Kia Spectra.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Save your cold hard cash

As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. In many cases, someone sacrificed liability limits or collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage for the lowest cost and still be able to protect your assets.

Discount 2003 Kia Spectra insurance can be purchased on the web in addition to local insurance agencies, so you should compare both in order to have the best price selection to choose from. Some insurance providers may not provide rate quotes online and usually these smaller providers work with independent agents.

Drivers switch companies for a variety of reasons including delays in paying claims, not issuing a premium refund, high rates after DUI convictions or high prices. No matter why you want to switch, choosing a new company is less work than it seems.

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