Searching for better insurance prices for a Kia Spectra5 can be a painful process, but you can learn a few tricks to save time. There are more efficient ways to find car insurance online so we’re going to tell you the best way to get price quotes for a new or used Kia and obtain the best price possible from both online companies and local agents.
You should make it a habit to compare rates at least once a year due to the fact that insurance rates change quite often. Even if you got the best price for Spectra5 insurance two years ago you will most likely find a better rate today. There is a lot of bad advice regarding car insurance online but with this article, you’re going to get some solid techniques on how to find cheap car insurance.
If you are paying for car insurance now, you should be able to cut costs considerably using these techniques. Pricing cheaper car insurance coverage is simple if you know the tricks. Nevertheless, drivers must understand how companies determine prices.
Free Quotes for Car Insurance
When shopping for car insurance there are multiple ways to compare rate quotes and find the best price. The best way to find the lowest Kia Spectra5 rates consists of shopping online. This is very easy and can be done using a couple different methods.
- One of the simplest ways to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This method prevents you from having to do separate forms to each individual car insurance company. A single, simple form gets you price quotes from many national carriers.It’s the quickest way to get rates.
- A more difficult way to compare rate quotes consists of going to the website for each individual company to request a price quote. For example, let’s assume you want to compare Liberty Mutual, 21st Century and GMAC. You would have to go to every website and enter your information, which is why the first method is quicker.
For a handy list of car insurance company links in your area, click here.
Whichever method you choose, double check that you are using apples-to-apples coverages and limits for every quote you compare. If you are comparing mixed coverages you will not be able to make an equal comparison. Just a small difference in insurance coverages can mean a large discrepancy in price. Just remember that having more price comparisons gives you a better chance of getting better pricing.
Don’t miss out on these money-saving discounts
Companies don’t list all their discounts in an easy-to-find place, so we took the time to find some of the best known and also the lesser-known discounts you could be receiving.
- Life Insurance Discount – Larger companies have a break if you buy life insurance.
- Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
- Accident Waiver – A handful of insurance companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
- Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
- Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with a substantially lower rate.
- Theft Prevention Discount – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
- Payment Discounts – If you pay your bill all at once instead of paying each month you could save up to 5%.
- Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off your PIP or medical payments premium.
It’s important to note that most of the big mark downs will not be given the the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like it’s possible to get free car insurance, you won’t be that lucky.
To choose companies who offer car insurance discounts, click here to view.
