2000 Kia Spectra Car Insurance Rates

Trying to find better car insurance rates for your Kia Spectra? Searching for better insurance prices for a Kia Spectra can be difficult, but you can learn the following methods to find lower rates. There are more efficient ways to buy car insurance so we’re going to tell you the best way to get price quotes on a Kia and obtain the lowest possible price from both online companies and local agents.

Vehicle Insurance Comparison

Shopping for lower auto insurance rates can be challenging if you don’t understand the most efficient way to do it. You could spend the better part of a day discussing policy coverages with agents in your area, or you could use the internet to get prices fast.

Most of the best insurance companies are enrolled in a marketplace that enables customers to only type in their quote data once, and each participating company provides a quote based on that information. This eliminates the need for repetitive form submissions to each individual auto insurance company.

To find out how much you can save on auto insurance click here to open in new window.

The only downside to using this type of system is you are unable to specify which carriers you want to price. If you would rather choose individual companies for rate comparison, we put together a list of the cheapest auto insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make sure you use identical deductibles and coverage limits for every quote you compare. If you use different values for each quote it will be impossible to determine which rate is truly the best.

Different people need different coverages

When it comes to choosing the best insurance coverage coverage, there really is no best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining whether or not you might need an agent’s assistance.

How do I file an SR-22 for a DUI in my state?
Do I need PIP (personal injury protection) coverage in my state?
Can my babysitter drive my car?
Do I have coverage when making deliveries for my home business?
Why do I only qualify for high-risk insurance?
What vehicles should carry emergency assistance coverage?
How much underlying liability do I need for an umbrella policy?
Will I be non-renewed for getting a DUI or other conviction?
How much liability do I need to cover my assets?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Specifics of your car insurance policy

Understanding the coverages of car insurance can help you determine the right coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive coverages

This coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a deer, damage from a tornado or hurricane, damage from getting keyed and a broken windshield. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for collisions

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

Collision coverage pays for things like driving through your garage door, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Liability

Liability coverage can cover damage or injury you incur to other’s property or people that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like pain and suffering, legal defense fees, court costs and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like hospital visits, rehabilitation expenses, surgery, doctor visits and chiropractic care. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Kia Spectra.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.