2006 Kia Spectra Car Insurance Quotes – 5 Ideas for Best Rates

Want the cheapest auto insurance rates for your Kia Spectra? Do you get exhausted from sacrificing other expenses to insure your Kia every month? You’re in the same situation as many other vehicle owners.

Numerous insurance companies battle for your business, and because of this it can be hard to compare car insurance companies and get the definite best rates possible.

How much is insurance?

Shopping for lower insurance rates is a ton of work if you don’t know the most efficient way. You could waste time driving to agents in your area, or you can stay home and use the internet to quickly compare rates.

Many companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and each company returns a competitive quote for coverage. This system prevents you from having to do quote forms for each company you want a rate for.

To find out what other companies charge click here (opens in new window).

One minor caviat to pricing coverage this way is you are unable to specify which carriers to get quotes from. If you prefer to choose individual companies to compare, we put together a list of insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, double check that you are using equivalent coverages and limits on every price quote you get. If each company quotes different limits and deductibles on each one you will not be able to determine the lowest rate for your Kia Spectra. Just slight variations in coverages could throw off the whole comparison. Just keep in mind that making a lot of price comparisons increases the change that you will find the best price.

Five discounts for cheaper insurance coverage rates

Car insurance is not cheap, but there may be some discounts that can drop the cost substantially. Some trigger automatically when you complete an application, but lesser-known reductions have to be asked about before being credited. If you check and find you aren’t receiving every discount available, you are paying more than you should be.

  • Good Grades Discount – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Renewal Discounts – A few insurance companies allow discounts for switching to them prior to the expiration date on your current policy. This discount can save up to 10%.
  • Drive Less and Save – Driving fewer miles can qualify you for slightly better rates than normal.
  • Bundle and Save – If you insure your home and vehicles and insure them both with the same insurance company you will save nearly 15% which can help you find affordable insurance.
  • Paperwork-free – Some of the larger companies will provide an incentive shop insurance online.

Policy discounts save money, but most discounts do not apply to all coverage premiums. Most only apply to specific coverage prices like collision or personal injury protection. Even though the math looks like you could get a free insurance coverage policy, that’s just not realistic.

To find insurance coverage companies who offer free insurance coverage quotes, click here.

Tailor your auto insurance coverage to you

When buying adequate coverage, there really is not a one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether or not you might need an agent’s assistance.

  • I have health insurance so do I need medical payments coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • When should I remove comp and collision on my 2006 Kia Spectra?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I missing any policy discounts?
  • Is motorclub coverage worth it?
  • Should I buy more coverage than the required minimum liability coverage?
  • When should I not file a claim?
  • Should I have combined single limit or split liability limits?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Learn about insurance coverages for a Kia Spectra

Having a good grasp of your policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages offered by insurance companies.

Collision insurance

Collision insurance covers damage to your Spectra resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like hitting a parking meter, backing into a parked car, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Liability coverages

Liability coverage protects you from damages or injuries you inflict on other’s property or people. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like repair costs for stationary objects, medical services, loss of income and court costs. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Kia Spectra.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses like chiropractic care, surgery and pain medications. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as theft, damage from a tornado or hurricane and hail damage. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.