Cheapest 2003 Kia Spectra Insurance Rates in 2023
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UPDATED: Feb 25, 2020
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Paying for high-priced Kia Spectra insurance can empty your bank account and force you to prioritize other expenses. Shopping your coverage around is a smart way to tighten up your finances. Having so many options when it comes to insurance, it can be diffult for consumers to pick the right insurance company.
It’s a good idea to shop coverage around periodically since rates are usually higher with each renewal. If you had the best rates on Spectra coverage on your last policy other companies may now be cheaper. So forget anything you know (or think you know) about insurance because you’re going to learn one of the easiest ways to find better rates and still maintain coverage.
Buying the cheapest coverage is easy if you know what you’re doing. If you have insurance now or need new coverage, you can use this information to shop for the lowest rates and still get good coverage. Vehicle owners just need to understand how to get comparison rates online.
Which Insurance is Cheapest?
Finding a better price on insurance is surprisingly easy. You just need to invest a little time comparing rate quotes from different insurance companies. This can be done in just a few minutes using one of these methods.
One of the simplest ways to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This easy form keeps you from doing repetitive form entry for every insurance company. Filling out one form gets rate comparisons from multiple companies.
A more difficult way to analyze rates is going to the website for every company you want to comare to complete their respective quote request forms. For examples sake, we’ll assume you want rates from Nationwide, Farmers and GMAC. To get rate quotes you would need to go to every website to input your insurance information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.
The hardest way to compare rates is to waste gas driving to and from local insurance agencies. The internet makes this process obsolete unless you want the professional guidance only provided by licensed agents. However, consumers can price shop your coverage online and get advice from an agent in your area.
It’s your choice how you get your quotes, but make darn sure you compare identical deductibles and coverage limits for every quote you compare. If your comparisons have higher or lower deductibles it will be impossible to make an equal comparison.
Save money by taking advantage of these eight discounts
Insuring your vehicles can cost a lot, but you can get discounts to cut the cost considerably. Some discounts apply automatically at the time of purchase, but a few must be asked for before you get the savings. If you don’t get every credit possible, you are paying more than you should be.
- Auto/Home Discount – When you have multiple policies with one insurance company you may earn at least 10% off all policies.
- Safety Course Discount – Completing a defensive driving course could save 5% or more depending on where you live.
- New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
- No Claims – Good drivers with no accidents can save substantially as compared to accident-prone drivers.
- Life Insurance Discount – Some companies give better rates if you take out life insurance from them.
- Club Memberships – Affiliation with a professional or civic organization could trigger savings on insurance coverage on Spectra coverage.
- Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
- Homeowners Pay Less – Simply owning a home can save you money because of the fact that having a home requires personal responsibility.
It’s important to note that some of the credits will not apply to the entire cost. Most only cut individual premiums such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, companies wouldn’t make money that way. Any amount of discount will cut the cost of coverage.
To see a list of providers with discount insurance coverage rates, click here.
When should I use an insurance agent?
When it comes to buying proper insurance coverage for your vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions may help highlight whether or not you would benefit from professional advice.
- Is my 2003 Kia Spectra covered for flood damage?
- When should I remove comp and collision on my 2003 Kia Spectra?
- Do I have coverage if my license is suspended?
- Does my car insurance cover rental cars?
- What companies insure drivers after a DUI or DWI?
- Will my rates increase for filing one claim?
- Does my 2003 Kia Spectra qualify for pleasure use?
- Does coverage extend to Mexico or Canada?
- Do I need more liability coverage?
- Is there coverage for injuries to my pets?
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.
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Don’t be fooled by advertising claims
Consumers can’t ignore all the ads for the lowest price auto insurance from the likes of Allstate and Progressive. All the ads say the same thing that you’ll save big if you switch your coverage to them.
But how can every company make the same claim?
All companies can use profiling for the type of driver that earns them a profit. A good example of a driver they prefer might be between 30 and 50, has no driving citations, and drives less than 10,000 miles a year. Any driver who fits that profile will qualify for the lowest rates and as a result will probably save quite a bit of money when switching.
Potential customers who are not a match for these standards must pay higher premiums and this can result in the customer not buying. The ads state “customers that switch” not “people who quote” save that much. This is how companies can advertise the savings.
This illustrates why you need to quote coverage with many companies. It’s just too difficult to predict which insurance companies will give you the biggest savings on Kia Spectra insurance.
Auto insurance coverages
Understanding the coverages of your policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages found on the average auto insurance policy.
Collision insurance will pay to fix damage to your Spectra resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things like sideswiping another vehicle, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.
Liability insurance will cover injuries or damage you cause to people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage pays for claims such as loss of income, pain and suffering, legal defense fees and funeral expenses. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.
This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as rock chips in glass, hitting a bird and a broken windshield. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Medical expense coverage
Coverage for medical payments and/or PIP kick in for immediate expenses like chiropractic care, dental work and doctor visits. They are often 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 as well as getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay
Uninsured or underinsured coverage
Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually these coverages are identical to your policy’s liability coverage.
Online plus local equals savings
You just learned some good ideas how you can reduce 2003 Kia Spectra insurance prices online. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. You may even find the lowest priced car insurance comes from an unexpected company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as State Farm and Allstate.
Cheap insurance can be sourced both online as well as from independent agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies don’t offer online price quotes and many times these small, regional companies only sell through independent insurance agents.
For more information, feel free to visit these articles:
- What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
- Determing Auto Insurance Rates (GEICO)
- Avoiding Deer Collisions (Insurance Information Insitute)
- Steps to Take After an Auto Accident (Insurance Information Insitute)
- A Tree Fell on Your Car: Now What? (Allstate)
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