Kia Spectra Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Buying auto insurance through online companies is easy and at the same time you may find lower rates. The key is to compare rates from all providers so you can get all possible prices.

People who are new to comparison shopping may think buying affordable Kia Spectra insurance is difficult. Finding cheaper coverage prices is not a difficult process. All you need to do is take the time to compare quotes from different insurance companies. This can be accomplished by completing this short form.

Insurance premiums paid to insure a Kia Spectra will vary greatly based upon several criteria. Taken into consideration are:

  • The performance level of your Spectra
  • Your accident history
  • Multiple policies can save money
  • How you use your vehicle
  • Your age
  • Having a spouse can save money
  • Special coverage such as replacement cost
  • Whether or not you have claims
  • No coverage lapses saves money
  • Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models have a reduced actual cash value compared to new Spectra models so the costs to repair will push premiums down. Conversely, newer models have more advanced features such as active head restraints, traction control, and a rollover prevention system so those may give discounted rates.

Coverage for liability

damages or injuries you inflict on things such as emergency aid, pain and suffering, and medical services. .

Collision coverage protection

an object or car. . , . .

Comprehensive coverages

that is not covered by collision coverage. . you can receive from a comprehensive claim , .

Uninsured or underinsured coverage

This . , . .

Insurance for medical payments

expenses doctor visits, EMT expenses, and X-ray expenses. . .

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles