Buying Affordable Auto Insurance for a Kia Spectra5 Made Easy

No sane person likes having to buy auto insurance, especially when they are aware that the cost is too high. People have many auto insurance companies to buy insurance from, and although it’s a good thing to have a choice, it can be more difficult to find a good deal.

It’s a good habit to get comparison quotes once or twice a year because auto insurance prices go up and down regularly. Just because you had the lowest quotes on Spectra5 coverage on your last policy there is a good chance you can find better rates now. You can find a lot of misleading information regarding auto insurance online but in just a couple of minutes you can learn some excellent ideas to quit paying high auto insurance rates.

Learn How to Lower Your Insurance Prices

Part of the auto insurance buying process is learning the factors that go into determining your premiums. When you know what positively or negatively controls the rates you pay, this allows you to make educated decisions that can help you get better auto insurance rates.

• Know your vehicle’s IIHS safety rating – Cars with high safety ratings cost less to insure. Safe vehicles have better occupant injury protection and better occupant protection means less claims paid which can result in lower premiums.
• Put fewer miles on your vehicle – The more miles you rack up on your Kia each year the more it will cost to insure it. Most companies charge to insure your cars based on their usage. Cars that have low annual miles can be on a lower rate level than vehicles that are driven to work every day. A policy that improperly rates your Spectra5 may be wasting your money. Double check that your policy is showing the right rating data, because improper ratings can cost you money.
• Do you know your physical damage deductibles? – The deductibles define how much you are willing to pay if a covered claim is submitted. Insurance for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of some claims that would be covered are collision with another vehicle, hail damage, and damage from wind. The more expense the insured is willing to pay, the bigger discount you will receive on Spectra5 coverage.
• Does your job raise your auto insurance rates? – Occupational choices like military generals, social workers and financial analysts are shown to have higher premium rates attributed to intense work-related stress and lengthy work days. On the other hand, careers such as farmers, athletes and retirees have the lowest average rates on Spectra5 coverage.
• Good credit means lower costs – Having a bad credit history factor in your rate calculation. Insureds that have high credit ratings tend to file fewer claims and have better driving records than those with poor credit scores. So if your credit score is lower than you’d like, you could pay less to insure your Kia Spectra5 if you clean up your credit.
• Multi-policy discounts can save money – Lots of companies afford a discount for people who carry more than one policy in the form of a multi-policy discount. Discounts can be 10 percent or more. Even if you’re getting this discount it’s in your best interest to check prices from other companies to guarantee you are still saving the most. Consumers may save more without the discount by buying insurance from more than one company.
• Alarm systems lower prices – Buying a car that has an advanced theft prevention system can get you a discount on your auto insurance. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms can thwart auto theft.
• Remove unneeded extra policy coverages – Insurance policies have a lot of optional add-on coverages that you can get tricked into buying when buying auto insurance. Things like vanishing deductibles, death and dismemberment, and membership fees could be just wasting money. They may seem like a good idea when buying your policy, but your money might be better spent on other coverage so get rid of them and save.

Getting a cheaper price on insurance is surprisingly easy. Drivers just need to take a couple of minutes to get quotes provided by online insurance companies. This is very easy and can be done in several different ways.

1. One of the best ways to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This style of form saves time by eliminating multiple quote forms for every prospective company. A single, simple form compares rates from multiple companies.
2. A more time consuming way to find more affordable insurance is to take the time to go to the website for every company you want to comare and repeat the quote process. For instance, let’s assume you want to compare prices for GEICO, Liberty Mutual and Farmers. To get each rate you have to take the time to go to each site to input your insurance information, which can be really labor intensive. To view a list of companies in your area, click here.
3. The least efficient and most time consuming method of comparing rate quotes is physically going to local insurance agencies. Comparing rates online can eliminate the need for a local agent unless you require the personal advice of a licensed agent. If you prefer, some companies allow you to compare online quotes but buy the policy through an agent.

However you get your quotes, be certain you are entering apples-to-apples quote information for every company. If you have different data it will be nearly impossible to determine which rate is truly the best.

Ads can be misleading

Drivers get pounded daily by advertisements that promise big savings for switching from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to tend to make the same promise about savings just by moving to them.

How does each company cost less than your current company? It’s all in the words they use.

Different companies have a certain “appetite” for the type of customer that will generate a profit. An example of a profitable risk profile should be between the ages of 30 and 50, has had continuous coverage, and drives less than 10,000 miles a year. Any new insured that hits that “sweet spot” will get the preferred car insurance rates and most likely will pay quite a bit less when switching companies.

People who cannot meet the ideal profile may be forced to pay a higher premium which results in the customer buying from someone else. The ads say “drivers that switch” but not “all drivers who get quotes” save that much. That is how insurance companies can advertise the way they do.

This really emphasizes why drivers must do a rate comparison at every renewal. It’s just not possible to know which insurance companies will have the lowest car insurance rates for your situation.

Save a ton by receiving discounts

Some insurance providers don’t necessarily list every possible discount very well, so the following is a list of both the well known and also the lesser-known ways to save on auto insurance.

• No Claim Discounts – Drivers with accident-free driving histories can save substantially as compared to frequent claim filers.
• Theft Deterent – Cars and trucks equipped with anti-theft or alarm systems have a lower chance of being stolen and earn discounts up to 10% off your .
• Multiple Policy Discount – When you combine your auto and homeowners insurance with one company you will save up to 20% and get you .
• Discount for New Cars – Adding a new car to your policy can be considerably cheaper because newer vehicles have to meet stringent safety requirements.
• Full Payment Discount – By paying your entire bill at once instead of making monthly payments you can avoid monthly service charges.

Don’t be shocked that many deductions do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

A few companies who might offer these benefits possibly include:

• State Farm
• Progressive
• Travelers
• American Family
• Liberty Mutual

When quoting, ask every prospective company how many discounts you can get. Savings might not apply in your area. To find insurers with the best auto insurance discounts, follow this link.

Compare rate quotes but buy from a local neighborhood car insurance agent

Many drivers would prefer to sit down with an agent and there is nothing wrong with that. Agents can point out coverage gaps and help you file claims. One of the great benefits of comparing rate quotes online is you can get cheap auto insurance quotes and also buy local. Buying insurance from local agents is especially important in smaller towns.

To make it easy to find an agent, after completing this short form, the quote information gets sent to local insurance agents who will gladly provide quotes for your coverage. You won’t even need to do any legwork due to the fact that quote results will go to your email. If for some reason you want to get a comparison quote for a specific company, you would need to navigate to their website and fill out the quote form the provide.

If you need help to find an insurance agency in your neighborhood, find an auto insurance agent.

Picking an company requires more thought than just a cheap price quote. Agents should be asked these questions:

• Is the agent and/or agency licensed to do business in your state?
• How long have they been in business?
• Does the company use OEM repair parts?
• In the event of vehicle damage, can you pick the collision repair facility?
• When do they do a full risk review?
• What companies can they write with?
• Is there any savings for paying the full premium?
• Do you have coverage for a rental car if your vehicle is in the repair shop?

Smart shoppers get results

We just presented many ideas to compare Kia Spectra5 insurance car insurance rates online. The key thing to remember is the more companies you get premium rates for, the higher your chance of finding . You may even discover the best price on auto insurance is with some of the lesser-known companies. These companies may only write in your state and offer lower premium rates than their larger competitors like Allstate or State Farm.

Lower-priced Kia Spectra5 insurance can be bought both online and from local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some companies may not provide rate quotes online and many times these smaller providers only sell through independent agents.