Tired of being strong-armed each month for car insurance? You are no different than many other drivers.
You have multiple insurers to buy insurance from, and although it’s nice to be able to choose, lots of choices makes it harder to find a good deal.
It is always a good idea to do rate comparisons every six months because insurance rates are variable and change quite frequently. Just because you had the lowest price on Spectra coverage two years ago you can probably find a lower rate today. Ignore everything you know about insurance because you’re about to learn the proper way to find the best coverage while lowering your premiums.
Buying car insurance is quite easy. Essentially every vehicle owner who buys insurance coverage stands a good chance to be able to lower their premiums. Although consumers should learn the methods companies use to market on the web because it can help you find the best coverage.
Performing a rate comparison is a ton of work if you don’t know the best way to get rate quotes. You could spend your day driving to insurance companies in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.
Most of the larger companies enroll in a system that allows shoppers to enter their policy data once, and every company returns a rated price based on that data. This saves time by eliminating form submissions to every company. To compare pricing click to open in new window.
The single downside to getting quotes like this is you can’t choose which carriers you want to price. If you wish to select specific providers to receive pricing from, we have assembled a list of companies who write insurance in your area. View list of insurance companies.
However you get your quotes, make darn sure you compare identical information on every quote you get. If each company quotes different values for each quote then you won’t be able to truly determine the lowest rate. Quoting even small variations in coverages can result in a big premium difference. Just keep in mind that more quotes gives you a better chance of getting the best rates.
Auto insurance companies don’t list every discount in an easy-to-find place, so we researched some of the best known and the harder-to-find ways to save on insurance.
Keep in mind that most discount credits are not given to the overall cost of the policy. A few only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way.
Insurance companies that may have these benefits may include but are not limited to:
Check with all companies you are considering which discounts you may be entitled to. Discounts may not apply in every state.
When buying proper insurance coverage, there really is not a single plan that fits everyone. Every situation is different so your insurance should reflect that Here are some questions about coverages that can aid in determining whether you might need an agent’s assistance.
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area.
Smart consumers have a good feel for the different types of things that come into play when calculating car insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that will entitle you to better car insurance rates.
Insurance coverage companies such as 21st Century, Allstate and State Farm constantly bombard you with ads on television and other media. They all seem to have a common claim of big savings if you switch to them. How do they all say the same thing?
All the different companies can use profiling for the type of customer that earns them a profit. For instance, a preferred risk could possibly be between 30 and 50, has no driving citations, and drives less than 10,000 miles a year. A driver who matches those parameters will get very good rates and is almost guaranteed to save quite a bit of money when switching.
Drivers who don’t meet the requirements will be quoted higher rates and ends up with business not being written. The ad wording is “customers who switch” not “everybody who quotes” save that much money. That’s the way insurance companies can make those claims. This emphasizes why you absolutely need to get a wide range of price quotes. It is impossible to predict which insurance coverage company will have the lowest Kia Spectra insurance rates.
Having a good grasp of car insurance aids in choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by car insurance companies.
Medical expense coverage – Med pay and PIP coverage pay for expenses like EMT expenses, hospital visits, X-ray expenses and pain medications. They can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover you and your occupants and will also cover 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 protection – Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims like vandalism, falling objects and fire damage. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.
Uninsured or underinsured coverage – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.
Collision – This coverage pays for damage to your Spectra caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision insurance covers things like colliding with another moving vehicle, driving through your garage door, backing into a parked car and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.
Auto liability insurance – Liability coverage can cover damages or injuries you inflict on other’s property or people in an accident. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.
Liability insurance covers things such as repair costs for stationary objects, pain and suffering, bail bonds and attorney fees. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.
Low-cost 2008 Kia Spectra insurance is available online and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.
We covered a lot of techniques to compare insurance prices online. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. Drivers may discover the biggest savings come from a smaller regional carrier. They can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.
More information is available on the following sites: