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Read on, if you would like to learn how to save on Kia Spectra insurance. The Spectra is a compact Sedan in Kia’s lineup. It’s been discontinued in 2012, but if you’re in the market for a used car this might be your pick. You’ll likely get a good deal due to the fact that the Spectra has poor resale value. In general, it is relatively easy to insure, though it would depend on a variety of factors, like the year of the car, and safety features installed.
How can you reduce your insurance premium? Well, there’s a variety of things you can do, most of them are fairly straight-forward. Perhaps the most important factor is your driving history. Are you accident and citation-free? If so, then you’ll likely see reduced premiums.
Bear in mind that insuring you is a matter of risk management to insurers. The less risk you pose, the lower your insurance premium.
Another factor that might affect your premium is location. If you live in an urban area with high volumes of traffic congestion, you could see a rate increase. The mere fact that there is a lot of traffic congestion on your daily commute increases your chances of being in an accident. However, there are ways to lower your premium. If you lower your annual miles traveled, you can see a decrease.
Also, remember to shop around for car insurance. Get quotes from various companies, and ensure that you get the best rates. Not every company has the same incentives and discounts.
The most recent Kia Spectra has been hailed for decent quality, providing a smooth and quiet ride, as well as the long list of equipment it comes with. As of the 2005 version, it comes as both a hatchback and sedan. Generally the Spectra comes equipped with a 2.0 liter 4 cylinder engine. It provides adequate power driving around town, though it seems to have trouble when climbing up the speedometer at highway speeds.
The Spectra generally comes in 3 trims: LX, EX, and SX. The LX trim level offers the bare necessities, not even containing air-conditioning, which could be a problem in certain areas. The EX upgrades the car with air conditioning, CD radio, keyless entry, and power option. The highest trim level, the SX, offers the driver an upgraded interior, an exterior, with bigger wheels.
Safety ratings can help lower your insurance premium. The 2008 Spectra has earned scores of “Acceptable” for front crash tests, and “Marginal” for side crash tests from the IIHS. The 2009 Spectra received 5 stars from the NHTSA for front crash tests, and 4 stars for side impact crash tests. It also contains dual-front airbags, and curtain airbags for the sides.
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