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Kia Spectra Insurance Rates

You have lots of choices when comparing insurance rates on your Kia vehicle. You can get prices from an insurance agent or price shop online to compare rates from many different auto insurance companies. Finding cheaper auto insurance through online rate quotes is simple to do and at the same time you may find lower rates.

Finding the best direct price on auto insurance is challenging if you have never used quoting online. Don't let that stop you because we're going to show you how. Finding a better price on auto insurance can be surprisingly simple. Consumers just need to spend a few minutes to compare quotes online with multiple companies. It is quite easy and can be accomplished by comparing rates here.

What influences car insurance premiums?

Insurance premiums for your Kia Spectra can be significantly different subject to many criteria. Taken into consideration are:

  • More performance equals higher cost
  • How many accidents you have had
  • Home/auto policy bundles save money
  • Pleasure, commuting or business use can affect rates
  • Your birth date
  • Whether you are married
  • Special coverage such as replacement cost
  • Whether or not you have claims
  • Maintaining coverage lowers rates
  • Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Newer models have a higher actual cash value compared to older Kia models so the payout to repair may end up costing you more. But newer vehicles have more advanced features including autonomous braking, automatic crash notification, sideview assist mirrors, and adaptive headlights that may help lower rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Spectra from available model years below.

Auto liability - Spectra liability coverage can cover damages or injuries you inflict on other's property or people that is your fault. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so buy as large an amount as possible.

Collision coverages - This covers damage to your Kia resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive auto coverage - Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim 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.

Uninsured and underinsured coverage - This protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage - Coverage for medical payments and/or PIP reimburse you for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay.

How Much are Kia Spectra Insurance Rates?