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Kia Spectra Insurance Cost

Drivers have lots of options when shopping for car insurance for your Kia vehicle. You can buy direct from an insurance agent or shop online to compare rates from companies. Buying auto insurance by quoting online is easy, plus you may find lower rates.

People who are new to buying insurance may think finding cut-rate Spectra insurance is hard. Lowering your Spectra insurance rates is a fairly straight forward process. You just need to take a few minutes to compare quotes from different insurance companies. This can be accomplished by comparing rates here.

Rates are impacted by the following

Insurance premiums for your Kia Spectra can fluctuate considerably based upon several criteria. Including but not limited to:

  • The performance level of your Spectra
  • Accidents raise premiums
  • Multiple policies can save money
  • Pleasure, commuting or business use can affect rates
  • Add-on coverages such as rental reimbursement
  • Whether or not you have claims
  • Having current coverage saves
  • Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. Newer models cost more compared to older Kia models so repair costs are higher which may result in higher rates. On the flip side, newer vehicles have more advanced features like lane departure warning system, anti-lock brakes, and adaptive headlights which may lower rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your Spectra from the list below.

Liability coverages

Liability insurance can cover damage or injury you incur to other's property or people in an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy as high a limit as you can afford.

Collision insurance

Collision insurance covers damage to your Kia resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also increase the deductible to get cheaper Spectra insurance cost.

Comprehensive coverages

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The most your auto insurance company will pay is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. PIP is not an option in every state and gives slightly broader coverage than med pay.

How Much are Kia Spectra Insurance Rates?