No one in their right mind likes having to buy car insurance, particularly when the cost is way too high.
Having so many companies to choose from, it is very difficult to find the lowest cost insurer.
It is always a good idea to do rate comparisons periodically because insurance rates fluctuate regularly. Just because you found the lowest price for Spectra coverage a year ago there is a good chance you can find better rates now. Starting right now, forget all the misinformation about car insurance because you’re going to get a crash course in the right way to save on car insurance.
There are a variety of methods you can shop for 2003 Kia Spectra auto insurance but there is one way that is less time-consuming than others. You can waste a few hours (or days) talking about coverages with local insurance agents in your area, or you can stay home and use online quotes for quick rates.
Many insurance companies participate in an industry program that allows shoppers to enter their policy data once, and every company then returns a price quote based on the submitted data. This saves time by eliminating quote requests to each individual auto insurance company. To compare 2003 Kia Spectra rates now click to open in new window.
One minor caviat to comparing rates this way is that you can’t choose the insurers to get pricing from. So if you prefer to choose individual companies to compare rates, we have assembled a list of auto insurance companies in your area. Click here to view list.
Whichever way you use, compare identical coverage limits and deductibles for every quote you compare. If you are comparing higher or lower deductibles it’s impossible to make a fair comparison for your Kia Spectra. Just a small difference in coverages could mean much higher rates. And when comparison shopping, having more price comparisons helps you find the best rates.
When it comes to buying the best insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every situation is different so this has to be addressed. These are some specific questions might point out if you might need professional guidance.
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.
Knowing the specifics of your policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages available from insurance companies.
Collision coverage – This pays for damage to your Spectra caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers claims like hitting a mailbox, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like theft, a broken windshield, a tree branch falling on your vehicle and hail damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
Insurance for medical payments – Med pay and PIP coverage kick in for short-term medical expenses for things like dental work, funeral costs and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Kia Spectra.
Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits do not exceed the liability coverage limits.
Liability – Liability insurance can cover damage that occurs to other people or property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.
Liability coverage pays for things like medical services, medical expenses and bail bonds. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.