Save on 2003 Kia Spectra Insurance Quotes

Looking for cheaper insurance rates for your Kia Spectra? No one in their right mind looks forward to paying for insurance, especially when the price is too high.

You have multiple insurance companies to buy insurance from, and though it is a good thing to have multiple companies, having more insurers makes it harder to find the best rates for your vehicles.

You should make it a habit to get comparison quotes at least once a year because prices change quite often. If you had the lowest price on Spectra insurance a couple years back there is a good chance you can find better rates now. So ignore everything you know about insurance because you’re going to get a crash course in one of the best ways to remove unneeded coverages and save money.

Discounts are basically free money

Insuring your fleet can be pricey, but there could be available discounts that you may not know about. Larger premium reductions will be automatically applied when you quote, but less common discounts must be manually applied prior to receiving the credit.

  • Defensive Driver – Taking part in a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Kia could be rewarded with better rates on cars that stay parked.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% on Spectra insurance with select insurance companies.
  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
  • Payment Method – By paying your policy upfront rather than paying monthly you could save 5% or more.

It’s important to note that most discounts do not apply the the whole policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you could get a free car insurance policy, car insurance companies aren’t that generous. But any discount will reduce the amount you have to pay.

Insurance companies who might offer these money-saving discounts are:

Double check with each insurance company which discounts you may be entitled to. Savings might not apply in every state.

Compare Quotes for Auto Insurance

Shopping for lower auto insurance rates can take time and effort if you don’t understand the easiest way. You could waste time talking about coverages with agents in your area, or you can utilize online quotes to maximize your effort.

Most of the larger companies belong to a marketplace that allows shoppers to enter their coverage request one time, and every company returns a rated price for coverage. This prevents consumers from doing quotation requests for each company you want a rate for.

To submit your quote information now, click to open in new window.

The single downside to pricing coverage this way is you can’t choose which insurance companies you will receive quotes from. If you would rather choose individual companies to receive pricing from, we have a page of the cheapest auto insurance companies in your area. Click to view list.

Whichever method you choose, ensure you’re using identical coverages and limits for each price quote. If you are comparing unequal deductibles or liability limits then you won’t be able to decipher which rate is best. Quoting even small variations in insurance coverages could mean much higher rates. And when quoting auto insurance, remember that quoting more will enable you to find lower pricing.

Which insurance is the “right” coverage?

When choosing the best insurance coverage coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions could help you determine whether you might need professional guidance.

  • Do I need an umbrella policy?
  • How much liability coverage do I need in my state?
  • Does my policy pay for OEM or aftermarket parts?
  • Is my 2003 Kia Spectra covered for flood damage?
  • Is my camper covered by my car insurance policy?
  • How high should my uninsured/underinsured coverage be in my state?
  • Does my policy cover my teen driver if they drive my company car?
  • Why am I required to get a high-risk car insurance policy?
  • Is my custom paint covered by insurance?
  • Does coverage extend to my business vehicle?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance coverage basics

Having a good grasp of your policy can help you determine the right coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types available from auto insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Kia Spectra.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages are set the same as your liablity limits.

Auto liability insurance

This coverage protects you from damage that occurs to other’s property or people in an accident. This coverage protects you against claims from other people, and does not provide coverage for 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 values of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like medical services, legal defense fees, bail bonds, medical expenses and repair costs for stationary objects. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Collision coverage

Collision coverage covers damage to your Spectra resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as backing into a parked car, colliding with a tree, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Insurance for medical payments

Med pay and PIP coverage pay for expenses for dental work, hospital visits, EMT expenses and nursing services. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers 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 then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, hitting a deer, fire damage and hail damage. The highest amount your auto 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.

Save your cold hard cash

While you’re price shopping online, never reduce coverage to reduce premium. There are a lot of situations where drivers have reduced full coverage and found out when filing a claim that they should have had better coverage. The proper strategy is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

You just learned many ways to save on 2003 Kia Spectra insurance. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with some of the smallest insurance companies. They can often provide lower rates in certain areas than the large multi-state companies such as State Farm or Progressive.

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