{"id":49933,"date":"2024-07-02T13:39:29","date_gmt":"2024-07-02T20:39:29","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=49933"},"modified":"2024-07-04T19:15:51","modified_gmt":"2024-07-05T02:15:51","slug":"kia-spectra","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/vehicles\/kia-spectra\/","title":{"rendered":"Car Insurance Quotes for the Kia Spectra"},"content":{"rendered":"<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_643023fe67fbee7f2c67285549c9f82d\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">How Much Is Car Insurance for the Kia Spectra?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>Your Kia Spectra is known as an affordable compact vehicle. When you&#8217;re ready to take it for a spin, protect yourself and your Spectra with an affordable <a href=\"https:\/\/www.freeway.com\/auto-insurance\/\">auto insurance<\/a> policy, which should cost you somewhere between $104 and $171 per month on average.<\/p>\n<p>Like any cost-conscious vehicle owner, you&#8217;d probably appreciate someone discussing your options with you so you can get <a href=\"https:\/\/www.freeway.com\/auto-insurance\/cheap\/\">the most affordable car insurance<\/a> 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.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"c-quick-small js-quick-quote \">\n    <div class=\"c-quick-small__wrapper\">\n        <div class=\"c-quick-small__content\">\n                            <div class=\"c-quick-small__icon\">\n                <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-auto\"><\/use><\/svg><\/span>\n                <\/div>\n                <h2 class=\"c-quick-small__title\">Getting a Free Auto Insurance quote with Freeway is easy!<\/h2>\n                    <\/div>\n        \n                    <form class=\"form c-quick-small-form ajax-quote-form-new\" action=\"https:\/\/www.freeway.com\/\/submit-quote\/\">\n                    <div class=\"c-quick-small-form__item\">\n                <label class=\"c-quick-small-form__label\" for=\"zipcodeQuote\">Zip Code<\/label>\n                <input class=\"c-quick-small-form__input zipcodeQuickQuote only-numbers\" type=\"tel\"  name=\"zipcode\" id=\"zipcodeQuickQuote\" maxlength=\"5\" autocomplete=\"on\">\n                \n            <\/div>\n            <div class=\"c-quick-small-form__controls\">\n                                    <input type=\"hidden\" value=\"A\" name=\"type_insurance\">\n                    <button class=\"c-quick-small-form__submit c-button c-button--orange c-button--text-big\" type=\"submit\">Start Quote<\/button>\n                            <\/div>\n        <\/form>\n    <\/div>\n<\/div>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_411fd0c5cb0b4003bfa6f676079780a6\">\n    <div class=\"o-wrapper o-wrapperDefault\">\n                    <h2 class=\"c-section__title\">Comparing Insurance Costs for the Kia Spectra to Other Vehicles<\/h2>\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p>Your Kia Spectra is known as an affordable compact vehicle. When you&#8217;re ready to take it for a spin, protect yourself and your Spectra with an affordable <a href=\"https:\/\/www.freeway.com\/auto-insurance\/\">auto insurance<\/a> policy, which should cost you somewhere between $104 and $171 per month on average.<\/p>\n<p>Like any cost-conscious vehicle owner, you&#8217;d probably appreciate someone discussing your options with you so you can get <a href=\"https:\/\/www.freeway.com\/auto-insurance\/cheap\/\">the most affordable car insurance<\/a> 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.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table--full c-regional-page-table__table--large table-text--center\">\n                                                                    <tr>\n                                            \n                                                                                            <th>Make\/Model<\/th>\n                                                                                            <th>Annual Full Coverage Insurance<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td><b>Kia Spectra<\/b><\/td>\n                                                                                            <td><b>$2,052<\/b><\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td><a href=\"https:\/\/www.freeway.com\/auto-insurance\/vehicles\/chevrolet-cobalt\/\">Chevrolet Cobalt<\/a><\/td>\n                                                                                            <td>$2,064<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td><a href=\"https:\/\/www.freeway.com\/auto-insurance\/vehicles\/honda-civic\/\">Honda Civic<\/a><\/td>\n                                                                                            <td>$1,773<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td><a href=\"https:\/\/www.freeway.com\/auto-insurance\/vehicles\/ford-focus\/\">Ford Focus<\/a><\/td>\n                                                                                            <td>$1,633<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_66c36077d3638c51810835634ef17ee9\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Types of Car Insurance Coverage for the Kia Compact<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>When you sit down with your agent, you&#8217;ll get to choose from among different <a href=\"https:\/\/www.freeway.com\/insurance-options\/auto-insurance-rates\/types-of-auto-insurance\">types of car insurance coverage<\/a>. Your decision will be based on how much protection you want or need and how much you&#8217;re willing to pay for your policy. You&#8217;ll surely hear terms like &#8220;full coverage&#8221; and &#8220;state minimum liability&#8221; as options. Here&#8217;s what they mean and how they pertain to you.<\/p>\n<h3 style=\"text-align: left\">Full Coverage<\/h3>\n<p>You might be interested in protecting yourself as much as possible. Perhaps you want your insurer to pay your vehicle\u2019s value even if you&#8217;re the one who causes an accident that totals your car. Maybe you&#8217;re concerned that a branch might damage your car or that someone might steal it. If you&#8217;re looking for protection in all of these scenarios, your agent will recommend a <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/full-coverage\/?nowprocket=1\">full coverage policy<\/a>. This coverage costs approximately $171 per month on average and gives you the highest level of protection.<\/p>\n<h3 style=\"text-align: left\">State Minimum Liability<\/h3>\n<p>The cost of a full coverage policy might not appeal to you. In that case, your agent might recommend you consider a <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/liability\/\">minimum liability coverage policy<\/a>. This coverage fulfills your state&#8217;s minimum requirements and only costs an average of $104 per month. The price might be attractive, but it won&#8217;t provide full protection. Imagine that you need to <a href=\"https:\/\/www.freeway.com\/auto-insurance\/idaho\/\">obtain car insurance in Idaho<\/a>. If you get a policy that only covers the state&#8217;s basic requirements, you&#8217;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&#8217;ll have to pay for some of the damages on your own.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_b8ea8f0a15d70456256eaa4bba3abcc6\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Individual Factors That Influence Pricing for the Spectra<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>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.<\/p>\n<h3 style=\"text-align: left\">Your Vehicle&#8217;s Safety Rating<\/h3>\n<p>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.<\/p>\n<h3 style=\"text-align: left\">Credit Score<\/h3>\n<p>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.<\/p>\n<h3 style=\"text-align: left\">Marital Status<\/h3>\n<p>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.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"c-product-imagen-wp alignnone wp-image-49950 size-full\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2024\/07\/shutterstock_1622071192-600x300-1.png\" alt=\"Kia Spectra car is located on the highway against the background of a cloudy autumn sky - cheap car insurance.\" width=\"600\" height=\"300\" srcset=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2024\/07\/shutterstock_1622071192-600x300-1.png 600w, https:\/\/www.freeway.com\/wp-content\/uploads\/2024\/07\/shutterstock_1622071192-600x300-1-300x150.png 300w, https:\/\/www.freeway.com\/wp-content\/uploads\/2024\/07\/shutterstock_1622071192-600x300-1-375x188.png 375w, https:\/\/www.freeway.com\/wp-content\/uploads\/2024\/07\/shutterstock_1622071192-600x300-1-320x160.png 320w, https:\/\/www.freeway.com\/wp-content\/uploads\/2024\/07\/shutterstock_1622071192-600x300-1-285x143.png 285w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_947165d923bc71392081775488a52726\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">How Does a DUI Affect Insurance Rates for a Kia Spectra?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p><a href=\"https:\/\/www.freeway.com\/auto-insurance\/high-risk-drivers\/\">High-risk drivers<\/a> pay significantly more for coverage than others. There are no two ways about it \u2014 if you&#8217;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 <a href=\"https:\/\/www.freeway.com\/auto-insurance\/sr-22\/\">file an SR-22 certificate<\/a> on your behalf, ensuring the state that you have the proper coverage.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_bfb0663894ad1cb8619bfa425023fd33\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What Are Some Car Insurance Discounts for a Kia Hatchback?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>Kia Spectra drivers can take advantage of all types of <a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/\">discounts<\/a>.<\/p>\n<p>You should consider multi-policy and good driver discounts, assuming you are eligible.<\/p>\n<p>Multi-policy discounts are awarded to any policyholder who purchases two or more policies under one provider, such as auto and <a href=\"https:\/\/www.freeway.com\/insurance-options\/homeowners-insurance\/\">home insurance<\/a>. Not all insurance types qualify, although it&#8217;s a safe bet that bundling home and auto insurance does.<\/p>\n<p><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/good-driver-discounts\/?nowprocket=1\">Good driver discounts<\/a> 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.<\/p>\n<p>Other discounts that you may wan<\/p>\n<p>A good agent will find ways to cut your rate without you even asking. If you have a clean driving record, they&#8217;ll try to get you a <a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/good-driver-discounts\/\">safe driver discount<\/a>. 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 <a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/multi-policy-discounts\/?nowprocket=1\">multi-policy discount<\/a> if you combine these policies with your car policy. You can ask your agent about other discounts, but here are some examples:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>Choose a <a href=\"https:\/\/www.freeway.com\/knowledge-center\/health-insurance\/high-deductibles-pros-cons\/\">high deductible<\/a> for a lower rate on your premiums since you&#8217;ll be paying more of the initial costs should you get into an accident.<\/li>\n<li>Taking a <a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/driving-safety\/reasons-take-defensive-driving-course\/\">defensive driving course<\/a> might get you a discount, especially if you&#8217;ve recently had an incident that made your rates increase.<\/li>\n<li>As a current or retired member of the U.S. armed forces, you might be entitled to a <a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/military-discounts\/\">military discount<\/a> in appreciation of your service.<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"c-quick-small js-quick-quote c-quick-office\">\n    <div class=\"c-quick-small__wrapper\">\n        <div class=\"c-quick-small__content\">\n                                                <img decoding=\"async\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/12\/office-quote.svg\" alt=\"Image office\" class=\"c-quick-small__img\">\n                                \n                <h2 class=\"c-quick-small__title c-quick-small__title--blue\">Find an office near you to help with your auto insurance<\/h2>\n                    <\/div>\n        \n                    <form class=\"form c-quick-small-form\" action=\"https:\/\/locations.freeway.com\/\">\n                    <div class=\"c-quick-small-form__item\">\n                <label class=\"c-quick-small-form__label\" for=\"zipcodeQuote\">Search by Zip Code, City or State<\/label>\n                <input class=\"c-quick-small-form__input zipcodeQuickQuote \" type=\"text\"  name=\"search\" id=\"address\" maxlength=\"50\" autocomplete=\"on\">\n                \n            <\/div>\n            <div class=\"c-quick-small-form__controls\">\n                                    <input type=\"hidden\" name=\"latitude\" value=\"\">\n                    <input type=\"hidden\" name=\"longitude\" value=\"\">\n                    <input type=\"hidden\" name=\"radio\" value=\"20\">\n                    <input type=\"hidden\" name=\"time\" value=\"open-any\">\n                    <button class=\"c-quick-small-form__submit c-button c-button--blue-green c-button--text-big\" type=\"submit\">Find<\/button>\n                            <\/div>\n        <\/form>\n    <\/div>\n<\/div>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_f4edfbd7077e95333b4d6119700d3314\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What Are Some of the Characteristics of the Kia Spectra?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>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.<\/p>\n<p>&nbsp;<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section class=\"c-contact-channels\">\n        <div class=\"o-wrapper \">\n        <div class=\"c-contact-channels__content\">\n            <h2 class=\"c-contact-channels__title \">Find the Best Car Insurance Rates Online for the Kia Spectra Today<\/h2>\n                            <div class=\"c-contact-channels__text\"><p>As a proud owner of a Kia Spectra, you&#8217;re ready to take the next step \u2014 insuring your vehicle to protect your investment and passengers in case of an accident. At Freeway Insurance, we&#8217;re ready to comb through all the details to get you an excellent, affordable policy that will provide you and your family with the coverage you need. Call us at <a href=\"tel:800-777-5620\">800-777-5620<\/a> to discuss your options, get a free <a href=\"#modal-turbo\">quote for car insurance online<\/a>, or stop by <a href=\"https:\/\/locations.freeway.com\/\" target=\"_blank\" rel=\"noopener\">one of our locations<\/a>.<\/p>\n<\/div>\n                        <div class=\"c-contact-channels__channel\">\n                                    <div class=\"c-contact-channels__channel_item\">\n                        <a class=\"c-contact-channels__channel_icon c-contact-channels__channel_icon--online\" target=\"_self\" href=\"#modal-turbo\" aria-label=\"Get a quote online\">\n                            <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-quote\"><\/use><\/svg><\/span>\n                        <\/a>\n                        <span class=\"c-contact-channels__channel_text\">Online<\/span>\n                    <\/div>\n                                    <div class=\"c-contact-channels__channel_item\">\n                        <a class=\"c-contact-channels__channel_icon c-contact-channels__channel_icon--phone\" target=\"_self\" href=\"tel:800-777-5620\" aria-label=\"Get a quote over the phone\">\n                            <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-phone\"><\/use><\/svg><\/span>\n                        <\/a>\n                        <span class=\"c-contact-channels__channel_text\">Over the phone<\/span>\n                    <\/div>\n                                    <div class=\"c-contact-channels__channel_item\">\n                        <a class=\"c-contact-channels__channel_icon c-contact-channels__channel_icon--ubication\" target=\"_self\" href=\"https:\/\/locations.freeway.com\/\" aria-label=\"Get a quote in our offices\" rel=\"noopener\">\n                            <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-location\"><\/use><\/svg><\/span>\n                        <\/a>\n                        <span class=\"c-contact-channels__channel_text\">Visit us<\/span>\n                    <\/div>\n                            <\/div>\n        <\/div>\n    <\/div>\n\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1002617,"featured_media":0,"parent":39970,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-parts\/products.php","meta":{"_acf_changed":false,"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/49933"}],"collection":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/users\/1002617"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/comments?post=49933"}],"version-history":[{"count":21,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/49933\/revisions"}],"predecessor-version":[{"id":49996,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/49933\/revisions\/49996"}],"up":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/39970"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/media?parent=49933"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}