2007 Kia Spectra Car Insurance Rates – 7 Ideas for Best Quotes

Looking for better car insurance rates for your Kia Spectra? Finding better insurance prices for a new or used Kia Spectra can turn out to be difficult, but you can use the following methods to save time.

There is a better way to shop for car insurance and we’ll show you the proper way to get price quotes on a Kia and locate the lowest possible price from local insurance agents and online providers.

Find discounts on car insurance

Not many people think insurance is cheap, but there could be significant discounts that may help make it more affordable. Some discounts apply automatically at the time you complete a quote, but some discounts are required to be requested specifically before they will apply.

  • ABS and Traction Control Discounts – Cars and trucks with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • Discounts for Responsible Drivers – Safe drivers may save up to 50% more on Spectra coverage compared to rates paid by drivers with frequent claims.
  • Theft Prevention Discount – Vehicles that have factory anti-theft systems are stolen with less frequency and that can save you a little bit as well.
  • Military Deployment Discount – Having a family member in the military could qualify you for better rates.
  • Student Discounts – Performing well in school may save you up to 25%. The discount lasts up until you turn 25.
  • Accident-Free Discounts – Drivers who stay claim-free pay less in comparison with policyholders that have many claims.
  • Drivers Education – Have your child sucessfully take a drivers education course if offered at their school.

Please keep in mind that some credits don’t apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comp or med pay. Despite the appearance that adding up those discounts means a free policy, car insurance companies aren’t that generous.

Large car insurance companies and some of the discounts are shown below.

  • State Farm offers premium reductions for accident-free, passive restraint, good student, anti-theft, multiple autos, and defensive driving training.
  • Progressive may include discounts for multi-vehicle, good student, homeowner, continuous coverage, multi-policy, and online quote discount.
  • Travelers offers discounts for good student, hybrid/electric vehicle, IntelliDrive, home ownership, and payment discounts.
  • American Family may offer discounts for Steer into Savings, accident-free, good driver, multi-vehicle, and TimeAway discount.
  • Liberty Mutual policyholders can earn discounts including newly retired, preferred payment discount, hybrid vehicle, multi-car, newly married, and new move discount.

If you need lower rates, check with each insurance company which credits you are entitled to. Some discounts listed above might not apply in your area. To see car insurance companies with discount car insurance rates, follow this link.

Low cost insurance coverage prices

Most larger insurance companies like 21st Century, Allstate and State Farm give insurance quotes on their websites. Doing online price comparisons is pretty painless because you just enter your coverage information into the quote form. After the form is submitted, the quote system automatically retrieves reports for credit and driving violations and generates pricing information based on the data you entered.

This helps simplify price comparisons, but the process of having to visit each company’s website and repetitively fill out multiple forms is monotonous and tiresome. But it’s also necessary to compare as many rates as possible in order to get better prices.

There is a better way to compare rates

A quicker way to lower your rates utilizes a single form to obtain quotes from several different companies. The form is fast, helps eliminate reptitive entry, and makes online quotes a lot less work. Immediately after you send the form, it is rated with multiple companies and you can pick any one of the quotes that you receive.

If a lower price is quoted, it’s easy to complete the application and purchase coverage. It can be completed in a matter of minutes and you’ll know if lower rates are available.

To find out how much you’re overpaying now, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you copy identical to your current policy. Using the same limits helps guarantee you will have rate comparison quotes for similar insurance coverage.

Tailor your insurance coverage to you

When buying coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover if you may require specific advice.

  • Is upholstery damage covered by car insurance?
  • How can I find cheaper teen driver insurance?
  • Am I covered if my car is in a flood?
  • How high should my uninsured/underinsured coverage be in my state?
  • Does insurance cover tools stolen from my truck?
  • When do I need to add a new car to my policy?
  • Is my ex-spouse still covered by my policy?
  • Should I have combined single limit or split liability limits?
  • Where can I get insurance after a DUI in my state?
  • What are the best liability limits?

If you don’t know the answers to these 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’s fast, doesn’t cost anything and you can get the answers you need.

Coverage specifics

Knowing the specifics of a insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Liability coverages

Liability coverage will cover injuries or damage you cause to a person or their property by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that translate to 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. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things such as repair costs for stationary objects, repair bills for other people’s vehicles and medical services. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision insurance

This covers damage to your Spectra resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as hitting a mailbox, backing into a parked car, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

UM/UIM Coverage

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Kia Spectra.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from getting keyed, theft, damage from flooding, falling objects and vandalism. The maximum 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.

Medical costs insurance

Med pay and PIP coverage kick in for immediate expenses for EMT expenses, chiropractic care, surgery and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Final considerations

Insureds change insurance companies for many reasons like questionable increases in premium, not issuing a premium refund, an unsatisfactory settlement offer and high prices. Regardless of your reason, choosing a new insurance company can be easier than you think.

Discount 2007 Kia Spectra insurance can be bought online and from local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies don’t offer the ability to get quotes online and most of the time these small insurance companies provide coverage only through local independent agencies.

We just covered a lot of tips how to reduce 2007 Kia Spectra insurance rates online. The key thing to remember is the more providers you compare, the higher your chance of finding inexpensive car insurance. Drivers may discover the lowest priced insurance comes from a lesser-known regional company.

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