2004 Kia Spectra Car Insurance Quotes – 8 Ideas for Best Rates

No one in their right mind enjoys paying for car insurance, particularly when they could find lower prices if they just compared rates.

Insurance companies such as State Farm, Geico and Farmers Insurance constantly blast consumers with ads and consumers find it hard to sift through the bull and find the best price available.

Consumers need to get comparison quotes quite often because insurance prices fluctuate regularly. Even if you got the lowest quotes on Spectra coverage at your last renewal there may be better deals available now. Ignore everything you know about car insurance because you’re about to learn how to quote online to get good coverage at a lower rate.

If you have car insurance now, you should be able to reduce your rates substantially using these methods. Buying car insurance is not rocket science. But vehicle owners need to have an understanding of how companies determine prices.

The cheapest car insurance quotes online

The majority of larger companies make it easy to get pricing on the web. Getting quotes doesn’t take much effort as you simply enter the coverage amounts you desire as detailed in the form. Behind the scenes, their rating system sends out for your driving and credit reports and provides a quote based on these factors. Online quotes helps simplify price comparisons, but having to visit each company’s website and repetitively complete many quote forms can be a bit repetitive. But it’s necessary to compare as many rates as possible if you want to get better prices.

A less time-consuming method to lower your car insurance bill uses one form to obtain quotes from several companies at one time. The form is fast, eliminates repetitive work, and makes quoting online much easier to do. Once the form is submitted, it is quoted and you are able to buy your choice of the pricing results. If the quotes result in lower rates, you simply finish the application and buy the policy. It takes less than 15 minutes and can result in significant savings.

To compare rates using this form now, click here to open in a new tab and input your coverage information. If you have coverage now, it’s recommended you duplicate the coverage information identical to your current policy. This guarantees you will receive a rate comparison for similar insurance coverage.

Auto insurance rates and discounts

Companies that sell car insurance don’t always publicize all available discounts very clearly, so the following list contains a few of the more common and the harder-to-find auto insurance savings.

  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
  • College Student – Any of your kids who are enrolled in higher education away from home and leave their car at home may qualify for this discount.
  • Safety Course Discount – Successfully completing a defensive driving course is a good idea and can lower rates and easily pay for the cost of the class.
  • Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you may reduce your total bill.
  • Paper-free Discount – Many larger companies may give you up to $50 for signing up over the internet.
  • Federal Employees – Having worked for a branch of the government may qualify for a discount when you quote insurance coverage on Spectra coverage with certain companies.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn lower premium rates if you buy some life insurance too.
  • Clubs and Organizations – Having an affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates on your next auto insurance statement.

A little disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. A few only apply to individual premiums such as medical payments or collision. So even though they make it sound like you can get free auto insurance, it just doesn’t work that way.

To view insurance companies with discount rates, click this link.

Situations that may require an agent’s advice

When buying adequate coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions may help highlight whether or not you might need an agent’s assistance.

  • Do I need PIP coverage since I have good health insurance?
  • When should I buy a commercial auto policy?
  • How much liability do I need to cover my assets?
  • Am I covered if I hit a deer?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need higher collision deductibles?
  • Can my babysitter drive my car?
  • Why do I only qualify for high-risk insurance?
  • Does my car insurance cover rental cars?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Detailed coverages of your insurance policy

Having a good grasp of your insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. These are the normal coverages available from insurance companies.

Comprehensive auto coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, theft, vandalism and rock chips in glass. The most your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision insurance

This will pay to fix damage to your Spectra resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sustaining damage from a pot hole, crashing into a building, hitting a parking meter, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Kia Spectra.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for immediate expenses for EMT expenses, doctor visits, X-ray expenses, funeral costs and dental work. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Liability coverages

Liability coverage will cover damage or injury you incur to other people or property. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims such as structural damage, medical expenses, loss of income and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

In the end, you save

While you’re price shopping online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The goal is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

Some insurance companies may not offer online rate quotes and most of the time these regional insurance providers work with independent agents. Cheaper auto insurance can be bought from both online companies as well as from insurance agents, and you should compare rates from both so you have a total pricing picture.

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