2002 Kia Spectra Car Insurance Quotes

Trying to find lower car insurance rates for your Kia Spectra? Are you overwhelmed by the sheer number of car insurance companies? Many other consumers are too. There are so many companies to choose from that it can be more work than you anticipated to find the best price.

This article will help you learn how to get online quotes. If you currently have car insurance, you should be able to save some money using these methods. But car owners can benefit from knowing how the larger insurance companies sell insurance online.

Don’t pay full price with these discounts

Properly insuring your vehicles can get expensive, but companies offer discounts that you may not know about. Certain discounts will be applied when you purchase, but some must be asked for prior to receiving the credit.

  • Organization Discounts – Being a member of a professional or civic organization may earn a discount on insurance for Spectra insurance.
  • Multi-car Discount – Buying coverage for more than one vehicle with the same company qualifies for this discount.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you could get a discount of approximately 10% to 15%.
  • Fewer Miles Equal More Savings – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Life Insurance – Larger companies have lower rates if you buy auto and life insurance together.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to individual premiums such as comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any qualifying discounts will cut the amount you have to pay.

For a list of providers offering insurance discounts, follow this link.

Vehicle Insurance Comparison

Most companies provide insurance quotes on their websites. This process is pretty painless as you just enter your coverage information as detailed in the form. After the form is submitted, their system orders credit information and your driving record and provides a quote determined by many factors.

This simplifies rate comparisons, but having to visit several different sites and complete many quote forms can get tiresome after awhile. But it is imperative to perform this step if you want to find the lowest price.

The quickest way to find better auto insurance pricing is to use a quote form to get prices from more than one company. It’s a real time-saver, eliminates form submissions, and makes online shopping much more efficient. After your information is entered, it gets priced with multiple companies and you can pick any of the quotes returned.

If you find a better price it’s easy to complete the application and purchase the new policy. The whole process can be completed in a matter of minutes and you’ll know if lower rates are available.

To save time and find out how much you’re overpaying now, click here and enter your information. If you have coverage now, it’s recommended you duplicate coverages and limits exactly as they are listed on your policy. This helps ensure you are getting a rate comparison for exact coverage.

These factors can influence Kia Spectra insurance rates

An important part of buying insurance is that you know the different types of things that play a part in calculating the rates you pay for auto insurance. Having a good understanding of what impacts premium levels enables informed choices that may reward you with lower auto insurance prices.

Shown below are a partial list of the pieces auto insurance companies consider when setting rates.

  • Claim-free discounts can add up – If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Companies generally give lower rates to insureds who do not rely on their insurance for small claims. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
  • A clean driving record saves money – Whether or not you get tickets has a lot to do with how much you pay for insurance. Good drivers get better rates compared to drivers with tickets. Even a single citation can increase rates by twenty percent. Drivers with flagrant tickets such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
  • Proper usage rating affects rates – Driving more miles each year the higher your rate. The majority of insurers charge to insure your cars based upon how you use the vehicle. Cars left parked in the garage get more affordable rates than those used for commuting. Make sure your auto insurance coverage properly reflects the proper vehicle usage. If your policy improperly rates your Spectra can cost quite a bit.
  • Liability coverage is cheap – Liability insurance is the coverage that protects you if a court rules you are at fault for damages from an accident. It provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
  • Rates may be lower depending on your job – Jobs such as doctors, social workers and stock brokers have the highest rates in part from high stress and lots of time spent at work. On the other hand, occupations such as actors, students and the unemployed get better rates for Spectra insurance.
  • Marriage pays dividends – Having a wife or husband helps lower the price when buying auto insurance. Having a significant other means you’re more mature and it’s proven that married drivers get in fewer accidents.
  • Theft deterrents lower rates – Owning a car with a theft deterrent system can help lower your rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft.
  • Higher deductibles cost less – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Kia. A few examples of covered claims are collision with another vehicle, damage caused by hail, and rolling your vehicle. The deductibles are how much you are willing to pay out-of-pocket before a claim is paid by your company. The higher the amount you have to pay, the less your auto insurance will be for Spectra insurance.

Your personal situation dictates your coverage

When choosing the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Each situation is unique.

For example, these questions could help you determine if you would benefit from an agent’s advice.

  • How can I force my company to pay a claim?
  • I have health insurance so do I need medical payments coverage?
  • Is my 2002 Kia Spectra covered for flood damage?
  • Is my state a no-fault state?
  • Does my 2002 Kia Spectra qualify for pleasure use?
  • I have a DUI can I still get coverage?
  • When can my company non-renew my policy?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I getting all the discounts available?
  • Why do I need rental car insurance?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form.

Ads can be misleading

Companies like State Farm, GEICO and Progressive continually stream television and radio advertisements. All the ads have a common claim about savings after switching to their company. But how can every company say the same thing?

All companies can use profiling for the driver that is profitable for them. For example, a preferred risk might be profiled as between the ages of 40 and 55, has no tickets, and chooses high deductibles. Any new insured who matches those parameters will get the preferred rates and as a result will probably save a lot of money.

Drivers who don’t measure up to the requirements will have to pay more money and ends up with the customer not buying. The ads state “customers that switch” but not “drivers who get quotes” save that much. That’s the way companies can truthfully make those claims.

Because of the profiling, you need to get a wide range of price quotes. It’s just too difficult to predict which insurance companies will give you the biggest savings on Kia Spectra insurance.

Insurance coverage considerations

Learning about specific coverages of insurance helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

Comprehensive insurance – This coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as fire damage, a broken windshield, damage from flooding, vandalism and damage from getting keyed. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability – This protects you from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like medical services, bail bonds and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for expenses for things like doctor visits, EMT expenses and dental work. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Collision coverages – This will pay to fix damage to your Spectra from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sustaining damage from a pot hole, driving through your garage door and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Save your cold hard cash

When shopping online for car insurance, you should never skimp on coverage in order to save money. There have been many cases where someone sacrificed uninsured motorist or liability limits only to discover later that it was a big mistake. Your focus should be to find the BEST coverage at the best price.

We covered a lot of information how to compare 2002 Kia Spectra insurance prices online. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. Consumers could even find that the best price on car insurance is with a company that doesn’t do a lot of advertising.

Consumers change insurance companies for a variety of reasons including poor customer service, questionable increases in premium, extreme rates for teen drivers and even high prices. Whatever your reason, choosing a new company is not as difficult as it may seem.

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