Compare 2007 Kia Spectra Insurance Quotes

Searching for cheaper insurance rates for your Kia Spectra? Shopping for car insurance is not really something people appreciate, but it’s a required process before you can go for a ride.

You need to compare prices yearly because rates tend to go up over time. Even if you got the best deal on Spectra coverage a few years ago you can probably find a better price now. So forget all the misinformation about insurance because I’m going to teach you the quickest way to remove unneeded coverages and save money.

Free Quotes for Car Insurance

There are a variety of methods to shop for 2007 Kia Spectra car insurance, but there is one way that is more efficient than others. You could waste a few hours talking about coverages with local insurance agents in your area, or you could use online quotes to achieve your goal.

The majority of car insurance companies are enrolled in a marketplace where insurance shoppers submit their information once, and at least one company provides a quote for coverage. This system prevents you from having to do quote requests for each company. To fill out one form to compare multiple rates now click here to start a free quote.

The one disadvantage to pricing coverage this way is you are unable to specify which insurance companies to get quotes from. So if you want to select individual companies for rate comparison, we have a listing of companies who write car insurance in your area. Click here for list of insurance companies.

It’s up to you which method you use, but ensure you’re using apples-to-apples coverages and limits on every quote you get. If the quotes have different deductibles you will not be able to truly determine the lowest rate. Slightly different limits can result in a big premium difference. Just remember that comparing more company’s prices will improve the odds of getting better pricing.

Discounts mean cheaper Kia Spectra insurance rates

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that many people don’t even know exist. Some trigger automatically when you purchase, but some may not be applied and must be specially asked for prior to getting the savings.

  • Early Signing – Select companies give a discount for switching to them before your current expiration date. This can save 10% or more.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy qualifies for this discount.
  • Senior Discount – If you’re over the age of 55, you may be able to get a discount up to 10% on Spectra coverage.
  • Organization Discounts – Belonging to a professional or civic organization could trigger savings when shopping for car insurance on Spectra coverage.
  • College Student – Children who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • Safe Drivers – Insureds without accidents may save up to 50% more on Spectra coverage than drivers with accident claims.
  • No Accidents – Drivers who don’t have accidents pay less when compared with drivers who are more careless.
  • Paperwork-free – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Discount for Good Grades – This discount can get you a discount of up to 25%. The good student discount can last until age 25.

It’s important to understand that most discounts do not apply to all coverage premiums. A few only apply to individual premiums such as medical payments or collision. So even though they make it sound like it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will reduce the amount you have to pay.

For a list of companies with the best car insurance discounts, click here to view.

Why your Kia Spectra insurance rates may be high

Consumers need to have an understanding of some of the elements that go into determining the price you pay for insurance. Having a good understanding of what influences your rates allows you to make educated decisions that may reward you with better insurance rates.

Listed below are some of the items companies use to determine rates.

  • Are you male or female? – Statistics demonstrate women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. Men and women have accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations such as reckless driving.
  • Claim-free discounts can add up – Auto insurance companies provide lower rates to drivers who do not rely on their insurance for small claims. If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Safer occupants lowers premiums – Vehicles with good safety scores tend to have better insurance rates. Safer cars result in less severe injuries and better occupant protection translates into savings for insurance companies and thus lower rates. If your Kia Spectra has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Rural vs Urban Areas – Living in a rural area can be a good thing when talking about insurance. Drivers in populated areas have much more traffic and longer commute times. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft.
  • Increase deductibles and save – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Kia. Some examples of claims that would be covered would be collision with another vehicle, collision with an animal, and rolling your vehicle. Deductibles for physical damage are how much you are required to spend out-of-pocket if you file a covered claim. The more the insured has to pay upfront, the less your company will charge you for insurance on Spectra coverage.
  • Multiple policies with one company can save – Most companies provide better rates to customers who carry more than one policy in the form of a multi-policy discount. Even with this discount, you still need to compare other company rates to verify if the discount is saving money.
  • Your job and insurance rates – Did you know your job can affect your rates? Jobs such as lawyers, business owners and accountants have higher rates than average because of high stress and long work days. On the flip side, professions such as farmers, athletes and homemakers get better rates on Spectra coverage.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

For instance, these questions may help you determine whether or not you would benefit from an agent’s advice.

  • What should my uninsured motorist coverage limits be in my state?
  • How much can I save by bundling my policies?
  • Is my camper covered by my car insurance policy?
  • Should I buy full coverage?
  • Is there coverage for injuries to my pets?
  • Am I covered by my spouse’s policy after a separation?
  • Can I get a multi-policy discount?
  • Am I covered when driving on a suspended license?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form.

Don’t be fooled by advertising claims

Car insurance providers like Progressive, Allstate and GEICO continually stream ads in print and on television. They all make the same claim that you’ll save big after switching to them. How can each company make almost identical claims?

All companies have a certain “appetite” for the driver they prefer to insure. An example of a profitable customer could be between 25 and 40, insures multiple vehicles, and has excellent credit. Any driver who matches those parameters will get the preferred rates and most likely will save when switching.

Potential customers who don’t qualify for the requirements will have to pay higher prices which usually ends up with the driver buying from a lower-cost company. The ads say “customers who switch” but not “drivers who get quotes” save money. This is how insurance companies can state the savings.

Because of the profiling, you absolutely need to compare many company’s rates. Because you never know which company will have the lowest Kia Spectra insurance rates.

Educate yourself about auto insurance coverages

Knowing the specifics of a auto insurance policy helps when choosing which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Liability insurance

This coverage will cover injuries or damage you cause to a person or their property. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as funeral expenses, emergency aid, pain and suffering and legal defense fees. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Coverage for collisions

Collision coverage covers damage to your Spectra caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like colliding with another moving vehicle, colliding with a tree and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Comprehensive auto insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, damage from a tornado or hurricane and hail damage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for expenses for things like rehabilitation expenses, chiropractic care and hospital visits. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

A penny saved is a penny earned

Insureds switch companies for many reasons like being labeled a high risk driver, an unsatisfactory settlement offer, delays in responding to claim requests and policy cancellation. It doesn’t matter what your reason, finding a great new company is easier than you think.

Low-cost 2007 Kia Spectra insurance is definitely available online in addition to many insurance agents, so you should compare both to get a complete price analysis. There are still a few companies who do not provide online quoting and most of the time these small, regional companies sell through independent agents.

We covered some good ideas how to reduce insurance prices online. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. Drivers may discover the lowest rates come from some of the lesser-known companies.

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