Finding better insurance prices for your Kia Spectra could be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to compare car insurance rates and we’ll show you the absolute fastest way to get price quotes for a Kia and find the lowest price either online or from local insurance agents.
If you have a policy now or are looking for a new policy, you can use this information to shop for the lowest rates and still get good coverage. Pricing affordable car insurance coverage is simple if you know the tricks. Drivers just need to know the proper methods to get comparison rates online.
Cutting your car insurance rates is a fairly straight forward process. Consumers just need to spend a little time comparing from some recommended companies. Shoppers can get rates in a couple of different ways.
- The first (and easiest) way consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This quick form keeps you from doing separate quotation requests for each company. Taking the time to complete one form gets insurance cost estimates instantly. This is perfect if you don’t have a lot of time.
- A harder way to get comparison quotes requires a visit to each company website to complete a price quote. For sake of this example, let’s say you want to get rates from Progressive, Farmers and GEICO. To do that, you would have to go to every website and enter your information, which can get rather old.
To view a list of companies in your area, click here.
- The final method to compare price estimates is physically going to insurance agents’ offices. Comparing online rate quotes makes this unnecessary unless your situation requires the professional assistance that you can only get from talking to an agent. However, consumers can get prices online and get advice from an agent in your area.
It’s up to you how you get prices quotes, just double check that you are using equivalent coverages and limits with each company. If you have different liability limits it will be very difficult to make a fair comparison for your Kia Spectra.
Do you qualify for discount car insurance?
Insurance can cost an arm and a leg, but discounts can save money and there are some available to help offset the cost. Many discounts should be triggered when you complete an application, but a few must be asked about prior to receiving the credit.
- Passive Restraint Discount – Factory options such as air bags or motorized seat belts may earn rate discounts of 20% or more.
- Senior Discount – Older drivers are able to get better car insurance rates for Spectra coverage.
- Discount for Life Insurance – Larger companies have lower prices if you buy life insurance from them.
- Early Renewal Discounts – Select larger companies give a discount for switching companies before your current policy expires. The savings is around 10%.
- Driver’s Education for Students – Cut your cost by having your teen driver enroll in driver’s education in school.
Drivers should understand that some credits don’t apply to all coverage premiums. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, company stockholders wouldn’t be very happy.
A few popular companies and a summarized list of policyholder discounts are included below.
- GEICO policyholders can earn discounts including five-year accident-free, defensive driver, driver training, daytime running lights, multi-vehicle, and anti-theft.
- Travelers includes discounts for payment discounts, continuous insurance, new car, save driver, and hybrid/electric vehicle.
- Nationwide offers discounts for business or organization, good student, easy pay, defensive driving, accident-free, and multi-policy.
- Farmers Insurance has savings for homeowner, alternative fuel, electronic funds transfer, mature driver, and bundle discounts.
- Esurance may include discounts for Pac-12 alumni, defensive driver, renters, multi-car, and multi-policy.
- State Farm may offer discounts for driver’s education, student away at school, Steer Clear safe driver discount, passive restraint, accident-free, and defensive driving training.
- Progressive may have discounts that include online quote discount, multi-vehicle, online signing, continuous coverage, and homeowner.
- Mercury Insurance has discounts for professional/association, location of vehicle, ease of repair, good student, and type of vehicle.
When getting , it’s a good idea to every prospective company to give you their best rates. All car insurance discounts may not apply in every state. To see providers with discount car insurance rates, click here.
Buy Kia Spectra Insurance for Less
Lots of things are used when you get a price on insurance. Some of the criteria are obvious like an MVR report, but other criteria are more obscure such as your marital status or how financially stable you are.
The list below includes some of the factors car insurance companies consider when setting your premiums.
- Save money by eliminating incidental coverages – Insurance companies have many additional extra coverages that can add up on your car insurance policy. Add-on coverages like coverage for rental cars, death and dismemberment, and additional equipment coverage may be wasting your money. They may seem like a good idea when talking to your agent, but if they’re wasting money think about removing them and cutting costs.
- Big cities mean more claims – Residing in less populated areas is a good thing when buying car insurance. Fewer drivers corresponds to lower accident rates. Residents of big cities have much more traffic and more severe claims. More time behind the wheel can result in more accidents.
- Liability protection is cheap – Your car insurance policy’s liability coverage kicks in in the event that you are ruled to be at fault for personal injury or accident damage. Liability provides you with a defense in court to defend your case. Liability is cheap when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
- Cars with good safety ratings means cheaper car insurance rates – Safe vehicles are cheaper to insure. These vehicles reduce injuries and lower rates of occupant injuries means less money paid by your insurance company which can mean better rates for you.
- Certain vocations pay higher rates – Did you know that where you work can have an impact on rates? Occupations such as military generals, architects and medical professionals generally pay higher rates than average in part from intense work-related stress and lengthy work days. Other occupations like professors, historians and performers generally pay rates lower than average for Spectra coverage.
- Battle of the sexes – Over the last 30 years, statistics show that females take fewer risks when driving. Now that doesn’t mean men are worse drivers. Females and males tend to get into auto accidents in similar numbers, but the males have costlier accidents. Men also get ticketed for serious violations such as reckless driving. Males from age 16 to 21 are several times more likely to be in an accident and thus pay the highest rates.
- Save money by raising coverage deductibles – Physical damage insurance, aka comp and collision, helps pay for damage to your vehicle. Examples of some claims that would be covered are collision with another vehicle, collision with an animal, and burglary. Deductibles for physical damage represent how much money the insured will be required to pay before a claim is paid by your company. The higher the amount you pay before a claim is paid (deductible), the bigger discount you will receive for Spectra coverage.
Do I need an agent?
Some people prefer to buy from a licensed agent and doing so can bring peace of mind Professional insurance agents are very good at helping people manage risk and will help you if you have claims. One of the benefits of price shopping on the web is the fact that you can find cheap rate quotes and still choose a local agent.
To find an agent, once you fill out this short form, your coverage information is emailed to insurance agents who can give free rate quotes for your car insurance coverage. It makes it easy because there is no need to find an agent on your own because quoted prices will be sent to you. If for some reason you want to quote rates from a particular provider, you would need to navigate to their website and fill out the quote form the provide.
Finding the right provider needs to be determined by more than just a cheap price quote. Get answers to these questions too.
- Is the agency active in community causes?
- Can you use your own choice of collision repair facility?
- Are they primarily personal or commercial lines agents?
- Which companies do they recommend if they are an independent agency?
- Do you qualify for any additional discounts?
- Will you get a loaner vehicle if you car is being repaired?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do they offer accident forgiveness?
In order to help you find an insurance agency in your neighborhood, please view this complete selection of insurance agencies in your state.
How to know if you need help
When choosing the right insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique.
For instance, these questions may help you determine if you might need professional guidance.
- Do I have coverage if my license is suspended?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Is pleasure use cheaper than using my Kia Spectra to commute?
- Will my rates increase for filing one claim?
- Am I getting all the discounts available?
- Do I need medical payments coverage since I have good health insurance?
- Am I covered if I wreck a rental car?
- Is my vehicle covered by my employer’s policy when using it for work?
- How many claims can I have before being cancelled?
- What can I do if my company denied a claim?
If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.
Car insurance ads bend the truth
Consumers can’t ignore all the ads that promise big savings for switching from the likes of State Farm and Allstate. All the companies convey the message about how much you will save just by moving your policy.
How does each company have lower policy pricing? Just pay attention to how they say it.
Car insurance companies have strict underwriting profiles for the type of insured that will be a good risk. A good example of a desirable risk may need to be over the age of 40, has a clear driving record, and drives a lower-performance vehicle. Any customer who fits those characteristics will probably get cheap premium rates as well as pay quite a bit less when switching companies.
Potential insureds who don’t qualify for these stringent criteria will be charged a more expensive rate and this can result in the prospect going elsewhere. Company advertisements say “drivers who switch” not “everyone who quotes” will save that much if they switch. That’s why companies can truthfully make the claims of big savings. This really emphasizes why it’s extremely important to quotes as often as possible. It’s not possible to predict which insurance companies will fit your personal profile best.
Buy online or local, you save
Lower-priced car insurance is possible from both online companies in addition to local insurance agencies, so get from both of them to have the best chance of lowering rates. Some insurance providers may not have rate quotes online and many times these small insurance companies only sell through local independent agents.
People who switch companies do it for many reasons like high rates after DUI convictions, policy non-renewal, questionable increases in premium and even denial of a claim. It doesn’t matter why you want to switch finding a new company is not as hard as you think.
As you restructure your insurance plan, you should never buy poor coverage just to save money. There are many occasions where someone dropped full coverage and discovered at claim time that they should have had better coverage. The proper strategy is to get the best coverage possible at the best price.
