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Kia Spectra Insurance Cost

Buying auto insurance by comparing rates online can be fast and easy and there is a good chance you may find lower rates. The most important part is to take the time to get as many rate quotes as possible in order to accurately compare the lowest rate quotes.

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of auto insurance companies selling insurance. Lowering your Spectra insurance rates can be quick and easy. You just need to take a few minutes to compare quotes provided by online insurance companies. This can be accomplished by getting a quick quote here.

Insurance premiums for a Kia Spectra can vary widely depending on several factors. Some of these factors include:

  • A clean driving record keeps rates low
  • Credit rating
  • Male rates may be higher
  • The deductible you choose
  • Safety rating of your Spectra
  • Whether or not you have claims
  • Having current coverage saves
  • Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. Models that are new cost more compared to older Kia models so the cost to replace them can inflate annual premiums. On the flip side, newer vehicles have more advanced features like a backup camera, automatic crash notification, pedestrian detection, and blind-spot warning system which can help offset higher rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle below.

Auto liability insurance

This coverage can cover damage that occurs to other people or property in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so buy higher limits if possible.

Collision insurance

Collision insurance covers damage to your Kia caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in. Spectra collision insurance is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper Spectra insurance cost.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not an option in every state and may carry a deductible.

How Much are Kia Spectra Insurance Rates?