Looking for lower car insurance rates for your Kia Optima? Feel like you’re a prisoner to high-priced car insurance? Trust us when we tell you many consumers feel financially strained by their car insurance policy.
Big companies like Geico, Farmers Insurance and State Farm all claim big savings with fancy advertisements and it is challenging if not impossible to see past the geckos and flying pigs and find the best price available.
It’s a good idea to price shop coverage periodically because prices go up and down regularly. Even if you got the lowest rates on Optima coverage two years ago there may be better deals available now. There is too much inaccurate information about car insurance online, so we’re going to give you some great ways to find cheap car insurance.
Companies offering auto insurance don’t always advertise every discount very well, so here is a list both the well known and the harder-to-find savings tricks you should be using.
It’s important to understand that most credits do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you can get free auto insurance, companies wouldn’t make money that way.
Car insurance companies that possibly offer these discounts are:
Double check with all companies you are considering how you can save money. Savings might not be offered in your area.
When choosing proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions might point out if your situation might need professional guidance.
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.
Having a good grasp of a auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types available from auto insurance companies.
This coverage can cover damage or injury you incur to other people or property. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.
Liability can pay for claims like funeral expenses, medical expenses, structural damage, bail bonds and legal defense fees. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.
Comprehensive coverage (or Other than Collision)
This covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things such as hitting a bird, theft and falling objects. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Insurance for medical payments
Coverage for medical payments and/or PIP kick in for short-term medical expenses such as pain medications, surgery and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
This will pay to fix damage to your Optima resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for things such as driving through your garage door, colliding with another moving vehicle and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.
Uninsured Motorist or Underinsured Motorist insurance
This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 2009 Kia Optima.
Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.
When shopping online for insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. There have been many situations where someone sacrificed liability limits or collision coverage only to find out that the savings was not a smart move. The ultimate goal is to purchase plenty of coverage at the best price while still protecting your assets.
We covered some good ideas how to shop for 2009 Kia Optima insurance online. The key concept to understand is the more times you quote, the better your chances of lowering your rates. Drivers may discover the lowest premiums are with a small local company. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or Geico.
Lower-priced insurance is definitely available online and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.
Additional information is available at the links below