2008 Kia Spectra Insurance Quotes – 7 Tips for Best Rates

Overpriced auto insurance can consume your accounts and require stricter spending habits. Shopping your coverage around can help to make sure you’re not throwing money away.

You have so many insurance companies to buy insurance from, and even though it’s nice to be able to choose, too many choices makes it more difficult to compare company pricing.

You should make it a habit to compare rates at least once a year because auto insurance prices are constantly changing. If you had the best price for Spectra insurance at your last renewal other companies may now be cheaper. You’ll find quite a bit of inaccurate information about auto insurance on the internet, but in a few minutes you can learn some excellent ideas to quit paying high auto insurance rates.

Discounts can really help to save

Some insurers don’t list every available discount in an easy-to-find place, so the following list contains some of the best known as well as some of the hidden credits available to bring down your rates.

• Home Ownership Discount – Just owning your own home can earn you a little savings since owning and maintaining a home demonstrates responsibility.
• Save with More Vehicles Insured – Having multiple cars or trucks on one policy qualifies for this discount.
• Pay Early and Save – If you can afford to pay the entire bill rather than spreading payments over time you could save up to 5%.
• Safe Driver Discounts – Insureds who avoid accidents can save up to 40% or more on their car insurance quote for Spectra insurance compared to rates paid by drivers with frequent claims.
• College Student Discount – Older children who attend college more than 100 miles from home and don’t have a car could qualify for this discount.
• Seat Belt Usage – Buckling up and requiring all passengers to fasten their seat belts can save a little off the medical payments premium.
• E-sign Discounts – Certain insurance companies will provide an incentive for signing up on their website.

We need to note that many deductions do not apply to the overall cost of the policy. Most cut individual premiums such as collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

A partial list of companies who may offer these money-saving discounts include:

• State Farm
• American Family
• Geico
• 21st Century
• Progressive

If you want cheaper car insurance quotes, ask all the companies which discounts can lower your rates. Savings might not be offered on policies in every state.

The quickest method to compare rates is to take advantage of the fact most of the bigger providers will pay a fee to give rate comparisons. The only thing you need to do is take a few minutes to give details such as an estimate of your credit level, how old drivers are, types of safety features, and if the car is leased. That rating data gets sent immediately to many different companies and you will receive price estimates instantly.

Will just any policy work for me?

When it comes to buying proper insurance coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions may help you determine if your situation might need professional guidance.

• Can my babysitter drive my car?
• What is covered by UM/UIM coverage?
• Is business property covered if stolen from my car?
• I have health insurance so do I need medical payments coverage?
• If my 2008 Kia Spectra is totaled, can I afford another vehicle?
• Should I buy additional glass protection?
• Am I covered when driving in Canada or Mexico?
• Why do I only qualify for high-risk insurance?
• Will my vehicle be repaired with OEM or aftermarket parts?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance 101

Having a good grasp of your auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Shown next are the normal coverages found on most auto insurance policies.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, rock chips in glass, hitting a bird and damage from flooding. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for liability

This can cover injuries or damage you cause to other people or property by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers claims such as repair costs for stationary objects, attorney fees, medical expenses, court costs and loss of income. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Kia Spectra.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as ambulance fees, funeral costs and X-ray expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision coverage protection

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a building, backing into a parked car, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Affordable insurance is out there

We just presented quite a bit of information on how to reduce 2008 Kia Spectra insurance prices online. The most important thing to understand is the more you quote car insurance, the more likely it is that you will get a better rate. Consumers may even find the lowest prices come from a smaller regional carrier. Some small companies often have lower rates on specific markets compared to the large companies like Progressive or Geico.

While you’re price shopping 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 drivers have reduced full coverage only to discover later that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at the best possible price while still protecting your assets.

Additional articles

• Winter Driving (Insurance Information Insitute)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Alcohol Impaired Driving FAQ (iihs.org)
• Rollover Crash FAQ (iihs.org)