Cheap 2017 Kia Optima Car Insurance Cost

Comparing and finding more affordable rates for insurance is always hard for beginners to online insurance quotes. With more and more insurers available, it can turn into a burden to locate the lowest rates.

It’s a good idea to do rate comparisons at least once a year because insurance prices are adjusted regularly by insurance companies. Just because you had the best quotes on Optima insurance at your last renewal the chances are good that you can find a lower rate today. There is a lot of bad advice regarding insurance online but in just a couple of minutes you can learn some of the best techniques to lower your insurance rates.

Buy auto insurance online

To get low cost insurance quotes, there a variety of ways of comparing price quotes from different companies. The best way to find cheaper Kia Optima rates is to jump online and get quotes. This is quite simple and can be completed in several different ways.

1. The simplest way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This form eliminates the need for separate quote forms for each company. Taking the time to complete one form gets coverage cost estimates instantly. This is perfect if you don’t have a lot of time.
2. A slightly less efficient method to obtain and compare quotes online requires visiting each company’s website and repeat the quote process. For instance, we’ll assume you want to view quotes from Farmers, 21st Century and Allstate. To get each rate you have to spend time going to each site individually to enter your coverage information, which explains why we recommend starting with the first method. For a list of companies in your area, click here.
3. The old school method to do your price quoting is calling or driving to different agent offices. The internet eliminates this option unless you want the advice and guidance of a local agency. Although you can find lower rates online but buy from a local insurance agent.

The approach you take is up to you, just do your best to use the exact same coverages and limits for every quote you compare. If you enter different liability limits it’s not possible to find the best deal for your Kia Optima. Having just a slight variation in limits could skew the results. And when quoting auto insurance, remember that having more price comparisons gives you a better chance of getting the best price. Some regional insurers cannot provide quotes online, so you also need to get prices on coverage from those companies, too.

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Save money with these discounts

Insurance coverage is not cheap nor is it fun to buy but you may qualify for discounts to cut the cost considerably. A few discounts will be applied when you complete an application, but occassionally some discounts must be specially asked for in order for you to get them.

• Paper-free Discount – A few larger online companies may give you up to $50 get insurance over the internet.
• Early Renewal Discounts – A few companies allow discounts for buying a policy prior to the expiration date on your current policy. The savings is around 10%.
• Theft Deterent System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and therefore earn up to a 10% discount.
• Low Mileage Discounts – Low annual miles could qualify for slightly better rates than normal.
• Discount for Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
• Clubs and Organizations – Affiliation with qualifying clubs or civic groups could qualify you for a break on your policy.
• Service Members Pay Less – Being deployed with a military unit can result in better premium rates.
• Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks on one policy can get a discount on all vehicles.
• ABS Braking Discount – Cars that have steering control and anti-lock brakes can avoid accidents so you can save 10 percent or more.
• Discount for Good Grades – A discount for being a good student may save you up to 25%. Most companies allow this discount well after school through age 25.

Keep in mind that most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. If you do the math and it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

A list of insurance coverage companies and some of their more popular discounts are:

• State Farm discounts include passive restraint, multiple policy, Steer Clear safe driver discount, defensive driving training, good student, and Drive Safe & Save.
• Progressive offers discounts for good student, multi-policy, multi-vehicle, online signing, and homeowner.
• Progressive includes discounts for continuous coverage, good student, homeowner, multi-vehicle, and online signing.
• MetLife offers premium reductions for good driver, defensive driver, accident-free, claim-free, and good student.
• Farm Bureau offers discounts including driver training, safe driver, renewal discount, good student, and 55 and retired.
• Geico has discounts for membership and employees, anti-lock brakes, defensive driver, multi-vehicle, multi-policy, federal employee, and daytime running lights.
• SAFECO policyholders can earn discounts including teen safe driver, safe driver, anti-theft, teen safety rewards, and accident prevention training.

Before buying, ask every prospective company the best way to save money. Discounts may not apply to policyholders everywhere.

Auto insurance can be complex

When buying proper insurance coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining whether or not you might need an agent’s assistance.

• Should I file a claim if it’s only slightly more than my deductible?
• When do I need to add a new car to my policy?
• What if I don’t agree with a claim settlement offer?
• Do I have coverage if my license is suspended?
• Do I pay less if my vehicle is kept in my garage?
• Can my teen driver be rated on a liability-only vehicle?
• What is the ISO rating for a 2017 Kia Optima?
• Are there companies who specialize in insuring high-risk drivers?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Specifics of your insurance policy

Having a good grasp of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for collisions

This coverage will pay to fix damage to your Optima from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as crashing into a building, hitting a mailbox, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability coverages

Liability coverage protects you from damage or injury you incur to a person or their property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like pain and suffering, legal defense fees, structural damage, emergency aid and loss of income. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a broken windshield, damage from getting keyed, theft and rock chips in glass. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for bills for things like prosthetic devices, doctor visits, nursing services and surgery. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2017 Kia Optima.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

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Shop. Compare. Save.

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible for the lowest price, not the least amount of coverage.

A few companies may not have internet price quotes and many times these small insurance companies only sell coverage through local independent agencies. Lower-priced 2017 Kia Optima insurance can be purchased online and from local agencies, so you should compare both to have the best chance of lowering rates.

Insureds change insurance companies for any number of reasons including extreme rates for teen drivers, questionable increases in premium, being labeled a high risk driver or even not issuing a premium refund. No matter why you want to switch, switching companies can be easier than you think.

Much more information about insurance can be read at the links below

• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Who Has Affordable Auto Insurance Rates for a Kia Optima in Detroit? (DetroitInsure.com)
• Choosing an Insurance Company (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)
• Keeping Children Safe in Crashes Video (iihs.org)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)

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