Searching for the cheapest insurance for a Kia Spectra could be a lot of work, but you can learn these tips to make it easier.
There are both good and bad ways to find auto insurance online so we’re going to tell you the absolute fastest way to price shop coverage for a Kia and obtain the lowest possible price either online or from local insurance agents.
If you have a current insurance policy or are shopping for new coverage, you can learn to shop for the lowest rates while maintaining coverages. Shopping for affordable protection is quite easy. Vehicle owners just need to learn how to compare rates over the internet.
Insurance can be prohibitively expensive, but companies offer discounts to help bring down the price. A few discounts will automatically apply when you complete an application, but a few must be asked for prior to receiving the credit. If they aren’t giving you every credit possible, you’re just leaving money on the table.
As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, you’re out of luck. But any discount will reduce the amount you have to pay.
To see a list of providers who offer car insurance discounts, click here.
When it comes to buying the right insurance coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that might point out if your insurance needs would benefit from an agent’s advice.
If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and may give you better protection.
Learning about specific coverages of a auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.
Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as funeral costs, doctor visits, rehabilitation expenses and X-ray expenses. They are often utilized in addition to your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay
Protection from uninsured/underinsured drivers – This provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Kia Spectra.
Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are set the same as your liablity limits.
Liability coverages – Liability insurance can cover injuries or damage you cause to people or other property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage protects against claims such as bail bonds, medical services, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.
Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as damage from a tornado or hurricane, a tree branch falling on your vehicle, falling objects, hitting a deer and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Collision coverage – This coverage pays for damage to your Spectra resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as hitting a mailbox, scraping a guard rail, colliding with another moving vehicle, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.
Lower-priced 2002 Kia Spectra insurance is possible from both online companies as well as from independent agents, so compare prices from both in order to have the best chance of saving money. A few companies don’t offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.
You just read a lot of ways to get a better price on insurance. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may even find the best price on insurance coverage is with a small mutual company.
When buying insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced uninsured motorist or liability limits only to regret at claim time that the savings was not a smart move. The aim is to buy a smart amount of coverage at the best price, not the least amount of coverage.