View 2013 Kia Optima Insurance Cost

Expensive auto insurance can overdraw your savings account, especially in this economy. Comparing price quotes is free, only takes a few minutes, and is a good way to tighten up your finances. You have so many auto insurance companies to insure vehicles with, and although it’s a good thing to have multiple companies, it can be more challenging to compare company pricing.

How to Get Car Insurance

There are a lot of ways you can shop for car insurance but some are less time-consuming than others. You can waste hours talking to agents in your area, or you can utilize the internet to get pricing more quickly.

Many of the larger companies are enrolled in a marketplace where prospective buyers send in one quote, and each participating company returns a rated price for coverage. This prevents consumers from doing repetitive form submissions for every car insurance company. To compare 2013 Kia Optima rates now click here (opens in new window).

The single downside to pricing coverage this way is you can’t choose the insurers you want to price. So if you prefer to pick specific insurance companies to request quotes from, we have assembled a list of low cost car insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but ensure you’re using the exact same coverage limits for each price quote. If each company quotes unequal deductibles or liability limits it’s impossible to truly determine the lowest rate.

Misconceptions in car insurance advertisements

Drivers can’t get away from ads that promise big savings from companies such as Progressive, Geico, Allstate and State Farm. All the companies have a common claim that you can save if you change your policy.

How does each company say the same thing? It’s all in the numbers.

Insurance companies have a preferred profile for the type of customer that earns them a profit. For instance, a driver they prefer could be over the age of 40, has no tickets, and drives newer vehicles. A propective insured who matches those parameters is entitled to the best price and most likely will save when they switch companies.

Consumers who don’t measure up to the “perfect” profile will have to pay higher prices and this can result in the driver buying from a lower-cost company. The ads state “drivers who switch” but not “drivers who get quotes” save that kind of money. That is how companies can truthfully state the savings.

Because of the profiling, you absolutely need to get a wide range of price quotes. It’s not possible to predict the company that will provide you with the cheapest Kia Optima insurance rates.

Be sure to get all your discounts

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be triggered automatically when you complete an application, but less common discounts must be specifically requested before they will apply. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident before raising your premiums if you are claim-free for a certain period of time.
  • Sign Early and Save – Some insurance companies reward drivers for switching policies before your current expiration date. It can save you around 10%.
  • No Claims – Drivers with accident-free driving histories pay less when compared with frequent claim filers.
  • Homeowners Pay Less – Simply owning a home can help you save on car insurance because maintaining a house demonstrates responsibility.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you could save 5% or more.
  • College Student – Youth drivers who are attending college and do not have a car can receive lower rates.
  • Safety Course Discount – Taking a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Some only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates you can get free auto insurance, it just doesn’t work that way. Any qualifying discounts will bring down your premiums.

Insurance companies who might offer these money-saving discounts include:

Before buying, ask all companies you are considering which discounts they offer. All car insurance discounts might not be offered in every state.

How do I know if I need professional advice?

When choosing the best auto insurance coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions may help you determine if your situation will benefit from professional help.

  • Do I need more liability coverage?
  • Is pleasure use cheaper than using my 2013 Kia Optima to commute?
  • Does my car insurance cover rental cars?
  • Do I pay less for low miles?
  • Is business equipment covered while in my vehicle?
  • Do I have coverage when making deliveries for my home business?
  • How does medical payments coverage work?
  • Will my rates increase for filing one claim?
  • Does my 2013 Kia Optima need full coverage?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Educate yourself about insurance coverages

Understanding the coverages of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages available from insurance companies.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Kia Optima.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for bills for things like chiropractic care, doctor visits and hospital visits. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision – This coverage pays for damage to your Optima caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as scraping a guard rail, colliding with another moving vehicle, hitting a parking meter, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive protection – This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as theft, a tree branch falling on your vehicle, damage from a tornado or hurricane and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for liability – Liability coverage will cover damage or injury you incur to people or other property that is your fault. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like structural damage, emergency aid and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Have the Midas touch

When shopping online for car insurance, it’s not a good idea to reduce needed coverages to save money. Too many times, drivers have reduced collision coverage only to find out that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Cheap 2013 Kia Optima insurance can be bought from both online companies in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. A few companies do not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

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