Save on 2009 Kia Spectra Insurance Quotes

Drivers have lots of choices when trying to find affordable Kia Spectra insurance. You can either waste hours driving around to compare prices or save time using the internet to compare rates.

There is a right way and a wrong way to shop for car insurance and you need to know the absolute fastest way to get price quotes on a Kia and locate the cheapest rates.

If you are insured now or need a new policy, you can use this information to reduce the price you pay and still get good coverage. The purpose of this article is to familiarize you with how car insurance quotes work and some tips to save money. Consumers only need to know the tricks to shop their coverage around over the internet.

Insurance coverage discounts are available to cut your rates

The price of auto insurance can be rather high, but there’s a good chance there are discounts that can dramatically reduce your bill. Some trigger automatically when you get a quote, but less common discounts must be requested specifically before they will apply.

• Government Employees – Active or retired federal employment may qualify for a discount when you quote auto insurance for Spectra insurance with certain companies.
• Good Student – Excelling in school can be rewarded with saving of up to 25%. Most companies allow this discount up until you turn 25.
• No Claims – Drivers who stay claim-free can save substantially as compared to drivers who are more careless.
• Mature Driver Discount – Seniors are able to get lower premium rates for Spectra insurance.
• Home Ownership Discount – Owning a home can save you money because owning a home demonstrates responsibility.
• Telematics Devices – Drivers that enable driving data collection to track driving manner by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts as long as the data is positive.
• ABS Braking Discount – Cars equipped with ABS or steering control have fewer accidents and earn discounts up to 10%.
• Safety Restraint Discount – Drivers who require all occupants to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
• Bundled Policy Discount – If you have multiple policies with the same company you will save over 10 percent off each policy depending on the company.
• Discount for Low Mileage – Maintaining low annual mileage may allow you to get lower prices on the low mileage vehicles.

Discounts save money, but please remember that most of the big mark downs will not be given the the whole policy. Most only cut the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

A list of insurance coverage companies and the discounts they provide are detailed below.

• State Farm may have discounts that include Drive Safe & Save, anti-theft, good driver, multiple policy, accident-free, and multiple autos.
• Geico offers discounts for multi-policy, driver training, defensive driver, daytime running lights, and anti-lock brakes.
• Liberty Mutual includes discounts for hybrid vehicle, multi-car, multi-policy, new graduate, and newly married.
• The Hartford may include discounts for driver training, vehicle fuel type, air bag, defensive driver, bundle, and good student.
• MetLife policyholders can earn discounts including claim-free, good student, multi-policy, defensive driver, and good driver.
• Progressive may offer discounts for multi-vehicle, online signing, multi-policy, continuous coverage, homeowner, and good student.

When getting a coverage quote, ask every insurance company which discounts you qualify for. Depending on the company, some discounts might not apply in your area. If you would like to choose from a list of companies with discount rates, click this link.

The easiest way to compare rate quotes is to understand most larger insurance companies provide online access to give you rate quotes. All you need to do is provide details including your general credit rating, if you require a SR-22, whether the vehicles are used for commuting, and what you do for a living. Your details gets transmitted to insurance companies and they respond with quotes quickly.

To check rates for your 2009 Kia Spectra now, click here and complete the form.

Seven tips to get lower-cost insurance prices

Lots of factors are used in the calculation when premium rates are determined. Some of the criteria are obvious like an MVR report, but other criteria are less obvious like where you live or your financial responsibility.

• Age of drivers – Drivers with little experience are proven to get distracted easily when driving so they pay higher car insurance rates. Older insureds are proven to be safer behind the wheel, statistically cause fewer accidents and get fewer tickets.
• See if your company offers a multi-policy discount – Most larger insurance companies provide lower prices to insureds who buy several policies from them in the form of a multi-policy discount. Even if you’re getting this discount it’s still a good idea to compare other insurance prices to ensure the best deal.
• Premiums may be higher where you live – Choosing to live in a small town can be a good thing when talking about car insurance. Fewer drivers and short commutes means reduced accidents. Drivers in populated areas regularly have more aggressive driving styles and longer commute times. Spending more time driving statistically corresponds to a higher accident and claim rate.
• Credit score impacts prices – Your credit history is likely to be a major factor in calculating your premium rate. Drivers with very good credit scores tend to be better risks to insure as compared to drivers with worse credit. So if your credit is lower than you’d like, you could pay less to insure your 2009 Kia Spectra if you improve your credit rating.
• Avoid traffic tickets – Having a clean driving record has a big impact on rates. Even a single ticket may increase your cost twenty percent or more. Good drivers tend to pay less for car insurance compared to bad drivers. Drivers with flagrant citations such as reckless driving, hit and run or driving under the influence may find that they have to to maintain a SR-22 to the state department of motor vehicles in order to continue driving.
• Use but don’t abuse your insurance – Car insurance companies generally give the best rates to insureds who do not file claims often. If you frequently file small claims, you can definitely plan on either higher rates or even cancellation. Auto insurance is designed for major claims that would cause financial hardship.
• Higher rates for policy lapses – Having an insurance coverage lapse is a quick way to bump up your car insurance costs. And not only will insurance be more expensive, not being able to provide proof of insurance will get you a license revocation or jail time. Then you may be required to submit proof of financial responsibility or a SR-22 with your state DMV.

Everyone needs different insurance coverages

When buying adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine whether you might need an agent’s assistance.

• Does my insurance cover damage caused when ticketed for reckless driving?
• Do I need motorclub coverage?
• Does my policy cover me when driving someone else’s vehicle?
• How much underlying liability do I need for an umbrella policy?
• What is high-risk coverage and where do I buy it?
• What is the ISO rating for a 2009 Kia Spectra?
• What can I do if my company won’t pay a claim?
• Can I pay claims out-of-pocket if I buy high deductibles?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Do drivers who switch really save?

Consumers constantly see and hear ads that promise big savings by companies like Progressive, Geico, Allstate and State Farm. All the companies make an identical promise about saving some big amount if you change your insurance coverage policy to them.

How is it plausible that every one can make almost identical claims?

Many companies give the best rates for the driver that earns them the most money. For instance, a profitable risk profile should be over age 30, has never had a policy lapse, and does not commute to work. A customer getting a price quote that matches those criteria is entitled to the best price as well as save a lot of money.

Consumers who may not quite match these criteria may be required to pay higher premiums and this can result in business not being written. If you listen to the ad wording, they say “drivers who switch” but not “everyone who gets a quote” save that much when switching. That’s the way insurance companies can make those statements.

This illustrates why it is so important to compare price quotes frequently. It is just not possible to predict which insurance coverage company will give you lower rates than your current company.

Auto insurance coverages 101

Understanding the coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Collision – Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, backing into a parked car, hitting a parking meter, scraping a guard rail and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Liability car insurance – This coverage provides protection from damage or injury you incur to a person or their property in an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against things like bail bonds, legal defense fees, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your 2009 Kia Spectra.

Since many drivers 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 very important. Frequently these limits are similar to your liability insurance amounts.

Comprehensive auto coverage – This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like theft, hail damage and fire damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for X-ray expenses, rehabilitation expenses and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

A penny earned…

Discount 2009 Kia Spectra insurance can be sourced both online and also from your neighborhood agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies may not offer the ability to get a quote online and these small insurance companies work with independent insurance agents.

We just covered many ideas to lower your 2009 Kia Spectra insurance rates. It’s most important to understand that the more companies you get car insurance rates for, the better your comparison will be. You may even find the biggest savings come from a company that doesn’t do a lot of advertising.

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced collision coverage and found out when filing a claim that the savings was not a smart move. The aim is to purchase plenty of coverage at the lowest possible cost.

Helpful learning opportunities

• Medical Payments Coverage (Liberty Mutual)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Frontal Crash Tests (iihs.org)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)