2001 Kia Spectra Insurance Cost

Looking for the cheapest car insurance rates for your Kia Spectra? Are you sick and tired of trying to scrape together enough money each month for car insurance? Your situation is no different than most other car owners. With so many options, it is hard for the average consumer to choose the right car insurance company.

You should make it a habit to shop coverage around on a regular basis since rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rates for Spectra coverage a few years ago there is a good chance you can find better rates now. You can find a lot of wrong information about car insurance on the internet, so by reading this article, you’re going to learn some great ideas on how to stop overpaying for insurance.

This information will tell you how to effectively get price quotes and some money-saving tips. If you have car insurance now, you will be able to cut costs considerably using this information. Consumers only need an understanding of how to compare prices online.

Automobile Insurance Quotes

There are a lot of ways you can shop for auto insurance but there is one way that is less labor-intensive and much quicker. You could waste a few hours discussing policy coverages with insurance agencies in your area, or you can utilize online quotes to quickly compare rates.

Most car insurance companies enroll in a system where insurance shoppers complete one form, and each company can provide price quotes determined by their information. This eliminates the need for quote requests to every company. To submit your quote information now, click here to start a free quote.

The one downside to comparing rates this way is you can’t choose the providers to receive prices from. So if you prefer to choose from a list of companies to receive pricing from, we have a page of the cheapest auto insurance companies in your area. View list of insurance companies.

Whichever method you choose, make darn sure you compare exactly the same quote information with every price quote. If you use different liability limits it will be next to impossible to determine the best price for your Kia Spectra.

Lots of discounts mean lots of savings

Insurance can cost an arm and a leg, but companies offer discounts to cut the cost considerably. Some trigger automatically at quote time, but a few need to be specifically requested prior to getting the savings. If you’re not getting every credit possible, you are paying more than you should be.

Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
Discount for Life Insurance – Larger companies have a discount if you purchase life insurance.
Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you may earn up to 20% off your total premium.
One Accident Forgiven – Some insurance companies will allow you to have one accident before raising your premiums if you are claim-free prior to the accident.
Military Discounts – Being deployed with a military unit can result in better rates.
Early Signing – A few companies offer discounts for switching policies prior to your current policy expiring. This can save 10% or more.
Distant Student – Any of your kids living away from home attending college without a vehicle on campus can be insured at a reduced rate.
Homeowners Savings – Being a homeowner may trigger a insurance coverage policy discount because of the fact that having a home requires personal responsibility.
Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less for Spectra coverage than their less cautious counterparts.

Drivers should understand that many deductions do not apply the the whole policy. Most only apply to the price of certain insurance coverages like comp or med pay. Just because you may think adding up those discounts means a free policy, companies wouldn’t make money that way. Any qualifying discounts will help reduce the amount you have to pay.

Car insurance companies that may offer these money-saving discounts include:

Double check with each company how you can save money. Discounts may not apply in your state.

Situations that might require an agent

When it comes to buying the right insurance coverage for your vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions may help you determine whether or not you might need an agent’s assistance.

Can I make deliveries for my home business?
Will I be non-renewed for getting a DUI or other conviction?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?
Am I covered if my car is in a flood?
How can I get high-risk coverage after a DUI?
Is business equipment covered while in my vehicle?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Kia Spectra insurance rates are influenced by…

Smart consumers have a good feel for the rating factors that come into play when calculating the rates you pay for car insurance. Having a good understanding of what determines base rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.

The list below includes some of the items companies use to determine prices.

Better credit scores mean better rates – Credit rating is a large factor in your rate calculation. Consumers who have excellent credit tend to be less risk to insure than drivers who have poor credit. So if your credit can use some improvement, you could save money insuring your 2001 Kia Spectra by improving your rating.
How’s your driving record? – Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Only having one citation can bump up the cost by as much as thirty percent. Drivers with severe tickets such as DUI or reckless driving are required to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
Do you have a high stress job? – Did you know your occupation can influence how much you pay for car insurance? Jobs such as real estate brokers, executives and stock brokers tend to pay the highest rates in part from high stress and long work hours. On the other hand, occupations like scientists, students and performers have the lowest average rates for Spectra coverage.
Do you have enough liability coverage? – Your policy’s liability coverage provides coverage when a court rules you are at fault for damages from an accident. Liability insurance provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.

Coverages available on your policy

Knowing the specifics of auto insurance aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. These are typical coverages found on most auto insurance policies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for doctor visits, pain medications, nursing services and funeral costs. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Auto collision coverage

Collision coverage pays for damage to your Spectra resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a mailbox, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for liability

Liability insurance can cover damage or injury you incur to people or other property. This coverage protects you from claims by other people. Liability doesn’t cover 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 limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like attorney fees, legal defense fees, funeral expenses and loss of income. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like falling objects, fire damage, damage from getting keyed and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

A penny earned…

Cheap 2001 Kia Spectra insurance can be purchased from both online companies in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

As you go through the steps to switch your coverage, don’t be tempted to buy less coverage just to save a little money. There are a lot of situations where an insured cut uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find at the best price.