Car Insurance Rate Quotes for a Kia Spectra in Irvine

Discount Kia Spectra insuranceTo save the most money, the best way to find cheaper quotes for car insurance rates in Irvine is to compare quotes annually from different companies in California.

First, try to comprehend car insurance and the changes you can make to keep rates down. Many rating factors that result in higher prices like speeding tickets, careless driving and a bad credit rating can be remedied by making minor changes to your lifestyle. Continue reading for ideas to find cheap rates and find available discounts that you may qualify for.

Second, request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or Allstate, while independent agents can give you price quotes for a wide range of companies. View insurance agents

Third, compare the new rate quotes to the premium of your current policy to see if you can save by switching companies. If you find a better price and buy the policy, make sure there is no coverage gap between policies.

Fourth, provide proper notification to your current company to cancel your existing policy. Submit a completed policy application and payment for the new coverage. Immediately upon receiving it, safely store the certificate of insurance in an easily accessible location.

A good piece of advice is to use identical coverages on every price quote and to quote with as many different companies as possible. Doing this enables an apples-to-apples comparison and a thorough price selection.

It’s an obvious conclusion that car insurance companies don’t want you shop around. People who compare price quotes are very likely to switch to a new company because they have good chances of finding good coverage at a lower price. A recent auto insurance study discovered that consumers who regularly compared rates saved over $3,450 over four years compared to policyholders who never compared other company’s rates.

If finding low prices for insurance is your objective, then having a grasp of how to quote prices and compare insurance coverage can make it easier to find better rates.

Buying the cheapest auto insurance coverage in Irvine is not as hard as you may think. If you already have coverage or are shopping for new coverage, you can follow these tips to get lower rates without having to cut coverage. Comparison shoppers only need to know the quickest way to compare rate quotes from many companies at once.

Most larger insurance companies like Progressive, Allstate and GEICO provide price estimates directly from their websites. Doing online price comparisons for Kia Spectra insurance in Irvine is pretty painless as you just enter your required coverages into a form. Once you submit the form, their quoting system requests your driving and credit reports and returns a price based on many factors. Being able to quote online for Kia Spectra insurance in Irvine makes it a lot easier to compare rates and it’s very important to compare as many rates as possible if you want to find lower-cost auto insurance pricing.

To save time and compare pricing, compare rates now from the companies shown below. If you have your current policy handy, we recommend you copy the coverages identical to your current policy. Using the same limits helps guarantee you will be getting rate quotes based on the exact same insurance coverage.

The car insurance companies shown below provide free quotes in Irvine, CA. In order to find the best cheap auto insurance in California, we suggest you visit several of them to get the most affordable price.

Why auto insurance is not optional

Despite the potentially high cost of Kia Spectra insurance, insurance may be required and benefits you in several ways.

First, just about all states have minimum mandated liability insurance limits which means state laws require specific minimum amounts of liability protection if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you took out a loan on your Spectra, it’s most likely the lender will require that you buy full coverage to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the bank may insure your Kia for a lot more money and make you pay for the expensive policy.

Third, insurance protects not only your car but also your financial assets. It will also reimburse you for medical bills for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of carrying enough insurance outweigh the cost, particularly when you have a large claim. Today the average American driver is currently overpaying as much as $865 each year so we recommend shopping around at least once a year to ensure rates are competitive.

Save money by receiving discounts

Some providers don’t always list every policy discount very well, so we took the time to find a few of the more well known and also the more inconspicuous savings tricks you should be using when you buy Irvine auto insurance online.Cheaper auto insurance with discounts

Discounts reduce rates, but you should keep in mind that most discounts do not apply to your bottom line cost. A few only apply to individual premiums such as liability, collision or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

A list of auto insurance companies and the discounts they provide are shown below.

Before buying, ask each company or agent which discounts can lower your rates. Some of the earlier mentioned discounts may not be offered in Irvine. To see providers offering auto insurance discounts in Irvine, click here.

Irvine car insurance companies ranked

Ending up with the right insurance company can be challenging considering how many companies provide coverage in California. The information below could help you analyze which car insurance companies you want to consider purchasing coverage from.

Top Car Insurance Companies in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies