Authoritative Five Minute Guide to Buying Kia Spectra Insurance

Consumers have a choice when looking for low-cost Kia Spectra insurance. They can either waste time contacting agents getting price quotes or use the internet to find the lowest rates.

There is a right way and a wrong way to buy car insurance so you’re going to learn the quickest way to get price quotes for your Kia and find the best price possible.

You should take the time to compare prices at least once a year because insurance rates change quite often. Just because you found the best rates for Spectra coverage last year you may be paying too much now. You can find a lot of misleading information regarding car insurance on the web, but we’re going to give you some proven techniques to find affordable car insurance.

This information will tell you the most effective way to quote insurance. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these methods. Although car owners must learn how companies determine prices.

Free Quotes for Car Insurance

The are a couple different ways to get quotes from different insurance companies. The easiest way by far to find the cheapest Kia Spectra insurance rates is to get quotes online. This can be done in several different ways.

One of the simplest ways to find low rates is an all-inclusive rate comparison like this one (opens in new window). This form saves time by eliminating separate forms to each individual car insurance company. One form submission will get you rate comparisons from all major companies. Just one form and you’re done.
A harder way to get quotes online consists of going to the website of each company and complete a new quote form. For example, we’ll assume you want comparison quotes from Progressive, Liberty Mutual and GEICO. To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.
The least recommended way of getting rate comparisons to insurance agents’ offices. Buying insurance online can eliminate the need for a local agent unless you have a need for the trained guidance that only a license agent can provide. You can, however, comparison shop your insurance online but still have the advice of a local agent and you’ll learn how to do that later.

Which method you use is up to you, but make absolute certain that you use identical coverage limits and deductibles on every quote you get. If you have mixed coverages it’s not possible to determine which rate is truly the best. Having just a slight variation in coverage limits may cause a big price difference. Keep in mind that quoting more provides better odds of finding a better price.

How can Allstate and Progressive save drivers who switch?

Companies like Allstate and Progressive constantly bombard you with ads on television and other media. All the ads say the same thing of big savings if you switch your coverage to them. How does each company make almost identical claims? It’s all in the numbers.

All the different companies can use profiling for the right customer that is profitable for them. For instance, a preferred risk might be between 25 and 40, a clean driving record, and drives less than 7,500 miles a year. Any new insured who matches those parameters receives the best rates and therefore will pay quite a bit less when switching companies.

Drivers who fall outside the “perfect” profile will have to pay higher premiums and this can result in the driver buying from a lower-cost company. The ad wording is “customers that switch” not “everyone that quotes” save that much money. That’s the way insurance companies can make those claims.

Because of the profiling, drivers should get as many comparisons as possible. It is impossible to predict which car insurance company will give you the biggest savings.

Discounts are basically free money

Properly insuring your vehicles can get expensive, but you can get discounts that you may not know about. Certain discounts will be triggered automatically at the time of quoting, but some must be requested specifically before you will receive the discount.

Passive Restraint Discount – Factory air bags can qualify for discounts of up to 25% or more.
Sign Early and Save – Some insurance companies reward drivers for switching policies before your current policy expires. It can save you around 10%.
Discount for Life Insurance – Larger companies have a break if you buy life insurance from them.
Defensive Driving Course – Taking part in a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates for Spectra coverage than their less cautious counterparts.
Student in College – Any of your kids who are attending college and do not have a car can receive lower rates.
Multi-policy Discount – When you have multiple policies with one company you may earn 10% to 20% off each policy.

It’s important to understand that many deductions do not apply to the entire policy premium. Most only cut specific coverage prices like medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck. But all discounts will bring down your premiums.

To choose providers offering car insurance discounts, click here.

Won’t my local insurance agent miss me?

Some consumers would rather sit down with an agent. The best thing about comparing rates online is that you can obtain the lowest rates and still have an agent to talk to. Supporting small agencies is especially important in small towns and cities.

For easy comparison, once you complete this short form, your coverage information is sent to insurance agents who will give you bids for your insurance coverage. You won’t need to leave your house due to the fact that quote results will go to your email. How cool is that?! It’s the lowest rates and an insurance agent to talk to.

The type of insurance agency you choose is important

When looking for a reliable agent, there are two different types of agents from which to choose. Insurance agencies are classified as either independent (non-captive) or captive.

Independent Agencies or Brokers

Independent insurance agents are not employed by any specific company but instead can place your coverage with any number of different companies depending on which coverage is best. To move your coverage to a new company, an independent agent can move your coverage and you don’t have to find a new agent. When comparing rates, it’s recommended you include several independent insurance agents to ensure the widest selection of prices. They often place coverage with different regional companies which can save you money.

Captive Agents

Captive insurance agents can only write with one company such as AAA, State Farm, Farmers Insurance and Allstate. These agents are not able to place coverage with different providers so always compare other rates. Captive agents are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents. Some consumers prefer to buy from captive agents mainly due to loyalty to the company and the convenience of having all coverages with one company.

For a complete listing of car insurance agents, click here.

Picking an insurance agent should depend on more than just a low price. Ask your prospective agent these questions:

What are the financial ratings for the companies they represent?
Does the agency provide any after hours assistance?
Do they carry Errors and Omissions coverage?
Is vehicle mileage a factor when determining depreciation for repairs?
Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
What insurance companies do they recommend if they are an independent agent?

Once you have received acceptable answers to any questions you have and locked in a price quote, most likely you have located an insurance agency that will insure your vehicles.

Online plus local equals savings

When buying insurance coverage, never buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice physical damage coverage only to discover later they didn’t have enough coverage. Your goal should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Lower-priced Kia Spectra insurance can be sourced from both online companies and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

In this article, we presented many ways to compare Kia Spectra insurance prices online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even find the best prices are with an unexpected company.