Car Insurance Quotes for the Kia Spectra

Your Kia Spectra is known as an affordable compact vehicle. When you’re ready to take it for a spin, protect yourself and your Spectra with an affordable auto insurance policy, which should cost you somewhere between $104 and $171 per month on average.

Like any cost-conscious vehicle owner, you’d probably appreciate someone discussing your options with you so you can get the most affordable car insurance available. You can get that information by reaching out to Freeway Insurance and talking to a knowledgeable agent who will help you get the best policy for you and your family at the lowest cost available.

When you sit down with your agent, you’ll get to choose from among different types of car insurance coverage. Your decision will be based on how much protection you want or need and how much you’re willing to pay for your policy. You’ll surely hear terms like “full coverage” and “state minimum liability” as options. Here’s what they mean and how they pertain to you.

Full Coverage

You might be interested in protecting yourself as much as possible. Perhaps you want your insurer to pay your vehicle’s value even if you’re the one who causes an accident that totals your car. Maybe you’re concerned that a branch might damage your car or that someone might steal it. If you’re looking for protection in all of these scenarios, your agent will recommend a full coverage policy. This coverage costs approximately $171 per month on average and gives you the highest level of protection.

State Minimum Liability

The cost of a full coverage policy might not appeal to you. In that case, your agent might recommend you consider a minimum liability coverage policy. This coverage fulfills your state’s minimum requirements and only costs an average of $104 per month. The price might be attractive, but it won’t provide full protection. Imagine that you need to obtain car insurance in Idaho. If you get a policy that only covers the state’s basic requirements, you’ll get coverage for $25,000 of personal injury protection per person ($50,000 total per accident) and $15,000 for property damage you cause. If you cause an accident that results in damages that exceed these numbers, you’ll have to pay for some of the damages on your own.

Although your Freeway Insurance agent will give you a quote very quickly, the final price is based on many factors. The following are three details that affect your premiums.

Your Vehicle’s Safety Rating

Every car has a different set of safety features. These features, such as alerts when a car veers into the next lane or when another vehicle is passing through your blind spot, help prevent accidents and claims. This gives insurers a reason to offer lower rates for vehicles with high safety ratings.

Credit Score

On the surface, there might not be a major connection between how a person manages their finances and how they drive a car, but statistics show otherwise. People with higher scores seem to get into fewer accidents and, therefore, get slightly better rates on their premiums.

Marital Status

Similarly, it might not seem like there would be a difference in how single or married people drive a car. However, statistics show that single people are slightly more likely to get into an accident, and insurers reflect that stat in their quotes.

High-risk drivers pay significantly more for coverage than others. There are no two ways about it — if you’re convicted of driving while under the influence (DUI), every insurer will consider you a high-risk driver. Your premiums will increase for several years. If you keep your record clean of DUIs, you can eventually reclaim your status as a safe driver. In the meantime, your carrier will file an SR-22 certificate on your behalf, ensuring the state that you have the proper coverage.

Kia Spectra drivers can take advantage of all types of discounts.

You should consider multi-policy and good driver discounts, assuming you are eligible.

Multi-policy discounts are awarded to any policyholder who purchases two or more policies under one provider, such as auto and home insurance. Not all insurance types qualify, although it’s a safe bet that bundling home and auto insurance does.

Good driver discounts are awarded to drivers with a clean driving record for three to five years. You are an excellent candidate if you have no claims, at-fault accidents, or other driving activity that insurers deem high-risk.

Other discounts that you may wan

A good agent will find ways to cut your rate without you even asking. If you have a clean driving record, they’ll try to get you a safe driver discount. But you can also be proactive about getting discounts. For example, if you also need renters or homeowners coverage, you can ask your agent for a multi-policy discount if you combine these policies with your car policy. You can ask your agent about other discounts, but here are some examples:

The Kia Spectra was introduced as a compact hatchback in 2000. It remained in production until 2009. Over the years, options such as 16-inch alloy wheels and various standard upgrades were added. A sportier trim and interior made this vehicle more attractive to young riders. But the Spectra was always considered a no-frills, reliable, entry-level car for new or cost-conscious drivers.