2008 Kia Spectra Car Insurance Quotes – 10 Discounts for Best Rates

Consumers have many options when looking for low-cost Kia Spectra insurance. They can either spend hours contacting agents getting price quotes or utilize the internet to find the lowest rates. There is a better way to find insurance coverage online so you’re going to learn the quickest way to price shop coverage for your Kia and obtain the lowest price from local insurance agents and online providers.

It’s a great practice to price shop coverage every six months because prices go up and down regularly. If you had the best price for Spectra coverage a few years ago you can probably find a better price now. Ignore everything you know about insurance coverage because we’re going to demonstrate the right way to find better coverage at a better price.

The quickest method we recommend to get rate comparisons is to realize most of the larger companies participate in a system to give you rate quotes. The one thing you need to do is take a few minutes to give details like if the car is leased, whether you drive to work or school, your credit rating estimate, and if you went to college. Your insurance information is then submitted to multiple insurance coverage providers and you should receive rate quotes with very little delay.

To get price quotes for your 2008 Kia Spectra, click here and find out if lower rates are available.

Don’t miss these ten discounts

Auto insurance companies don’t always list all available discounts in a way that’s easy to find, so we break down both the well known and also the lesser-known car insurance savings. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Distant Student – Any of your kids living away from home attending college without a vehicle on campus may be able to be covered for less.
  • No Charge for an Accident – A few companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% for Spectra coverage with select insurance companies.
  • Drive Less and Save – Low mileage vehicles can earn a substantially lower rate.
  • Lower Rates for Military – Having a family member in the military can result in better rates.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Accident Free – Good drivers with no accidents can save substantially when compared with frequent claim filers.
  • New Vehicle Savings – Adding a new car to your policy is cheaper since new cars are generally safer.
  • Passive Restraint Discount – Factory air bags or motorized seat belts can qualify for discounts up to 30%.
  • Defensive Driver – Taking a defensive driving course could possibly earn you a 5% discount if your company offers it.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates you would end up receiving a 100% discount, you won’t be that lucky.

To see a list of providers with the best car insurance discounts, click here.

When might I need help?

When it comes to choosing adequate coverage for your vehicles, there is no best way to insure your cars. Every situation is different.

These are some specific questions may help highlight whether or not you may require specific advice.

  • Should I sign the liability waiver when renting a car?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Are all vehicle passengers covered by medical payments coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need added coverage for expensive stereo equipment?
  • Does coverage extend to Mexico or Canada?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

How can Progressive, Allstate and GEICO save drivers who switch?

Consumers constantly see and hear ads for the lowest price auto insurance by Progressive, Allstate and GEICO. All the ads make the same claim that you’ll save big if you switch to their company.

But how can every company make the same claim?

All companies have a preferred profile for the right customer that is profitable for them. For example, a profitable customer could possibly be over the age of 40, a clean driving record, and drives less than 7,500 miles a year. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and is almost guaranteed to save a lot of money.

Potential insureds who don’t meet this ideal profile will be charged higher premiums and ends up with business not being written. The ads state “drivers who switch” not “everyone that quotes” save that kind of money. That’s why companies can truthfully make the claims of big savings. That is why you need to get as many quotes as possible. It’s just too difficult to predict the company that will provide you with the cheapest Kia Spectra insurance rates.

Educate yourself about insurance coverages

Knowing the specifics of insurance helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers – This gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Kia Spectra.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive (Other than Collision) – Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hail damage, hitting a bird, a tree branch falling on your vehicle and a broken windshield. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverage – This coverage provides protection from damage or injury you incur to other people or property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims like court costs, emergency aid and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Medical expense insurance – Med pay and PIP coverage pay for short-term medical expenses for things like X-ray expenses, chiropractic care, rehabilitation expenses and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as backing into a parked car, damaging your car on a curb, sideswiping another vehicle, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

More comparisons equals lower rates

When you buy insurance online, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where an accident victim reduced liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find for the lowest price.

Insureds leave their current company for any number of reasons including an unsatisfactory settlement offer, policy cancellation, high prices and poor customer service. Whatever your reason, finding a great new company is not as difficult as it may seem.

Cheap 2008 Kia Spectra insurance can be sourced from both online companies in addition to many insurance agents, so you should compare both to have the best selection. Some auto insurance companies do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

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