Cheap 2018 Kia Optima Insurance Quotes

No one in their right mind looks forward to paying premiums for insurance, especially when they are aware that the cost is too high. Many insurers compete for your business, so it’s not easy to compare every insurer to discover the definitive lowest price

Lower-cost insurance coverage quotes with discounts

Some companies do not advertise all their discounts very well, so we break down a few of the more common as well as some of the hidden savings tricks you should be using when you buy insurance online. If you don’t get every credit possible, you’re paying more than you need to.

  • Active Service Discounts – Being on active deployment in the military could be rewarded with lower premium rates.
  • Policy Bundle Discount – If you combine your home and auto policies with the same insurance company you could get a discount of over 10 percent off each policy depending on the company.
  • Drive Safe and Save – Drivers without accidents can save up to 40% or more on their insurance quote on Optima insurance than their less cautious counterparts.
  • Accident Waiver – Not a discount per se, but companies like Liberty Mutual and GEICO will let one accident slide without raising rates as long as you don’t have any claims for a certain period of time.
  • Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper because newer models keep occupants safer.
  • Pay Upfront and Save – If you can afford to pay the entire bill rather than paying monthly you can avoid monthly service charges.
  • Student Discount for Driver Training – Require your teen driver to enroll and complete driver’s education in high school.
  • Defensive Driving Course – Taking time to complete a course that instructs on driving safety is a good idea and can lower rates and easily recoup the cost of the course.

Remember that some credits don’t apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think it’s possible to get free car insurance, nobody gets a free ride.

Auto insurance companies that may offer some of the discounts shown above are:

Before purchasing a policy, check with all the companies which discounts you qualify for. Some of the discounts discussed earlier may not be offered in your area. If you would like to see a list of providers who offer cheap insurance coverage quotes, click this link.

Auto insurance quotes comparison

Finding cheaper 2018 Kia Optima auto insurance rates can be relatively painless. All that’s required is to spend a few minutes on the computer to get quotes online with multiple companies. Price comparisons can be done in just a few minutes using one of these methods.

  • The recommended way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This style of form keeps you from doing a different quote for every prospective company. One form submission gets insurance cost estimates direct from many companies.
  • A less efficient way to analyze rates is spending the time to visit each company’s website and fill out their own quote form. For example, let’s say you want to compare rates from Liberty Mutual, Esurance and Travelers. In order to compare rates, you need to take the time to go to each site to enter your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.
  • The most time-consuming way to comparison shop rate quotes to each insurance agency near you. Shopping for auto insurance online eliminates the need for an insurance agent unless your situation requires the personal advice that can only be provided by a licensed insurance agent. Although you can price shop online but have a local agent actually write the policy.

You can use whichever method you prefer to find lower rates, just make sure you are using identical coverages on every quote you get. If you are comparing different values for each quote it’s not possible to decipher which rate is best.

How insurance providers calculate Kia Optima insurance rates

Consumers need to have an understanding of the rating factors that go into determining your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this enables you to make decisions that will entitle you to cheaper rates. Many things are used in the calculation when premium rates are determined. Some are obvious such as your driving record, but some are less apparent such as your marital status or how financially stable you are.

  • Bump up physical damage deductibles to lower rates – Physical damage protection, also called comprehensive and collision insurance, is used to repair damage to your vehicle. Some coverage claims could be a broken windshield, collision with an animal, and rolling your vehicle. Your deductibles are the amount of money you are required to spend if the claim is covered. The larger the amount you pay before a claim is paid (deductible), the lower your rates will be on Optima insurance.
  • Safer occupants lowers rates – Vehicles with high crash test scores cost less to insure. These vehicles reduce the chance of injuries and better occupant protection translates directly to fewer claims passed on to you as lower rates.
  • Where you reside – Living in a rural area is a positive aspect when buying auto insurance. Fewer people means fewer accidents in addition to fewer liability claims. Residents of big cities have more road rage incidents and much longer commute distances. More time commuting means more chances of being involved in an auto accident.
  • Cheaper rates by bundling – The majority of auto insurance companies apply better rates to customers who consolidate policies with them in the form of a multi-policy discount. Discounts can amount to as much as ten percent or more If you currently are using one company, you still need to compare other company rates to confirm you are receiving the best rates possible.
  • Bad credit will cost you – Having a good credit history can be a huge factor in determining what you pay. Therefore, if your credit rating could use some work, you could potentially save money when insuring your 2018 Kia Optima if you clean up your credit. Insureds with good credit tend to be better risks to insure than those with lower ratings.

Tailor your insurance coverage coverage to you

When it comes to buying coverage for your personal vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions may help you determine whether your personal situation might need an agent’s assistance.

  • Is extra glass coverage worth it?
  • Does coverage extend to my business vehicle?
  • Does insurance cover tools stolen from my truck?
  • What can I do if my company won’t pay a claim?
  • Am I covered when pulling a rental trailer?
  • If I drive on a suspended license am I covered?
  • Am I covered if I crash into my own garage door?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Auto insurance coverage considerations

Learning about specific coverages of a auto insurance policy can help you determine appropriate coverage for your vehicles. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages offered by auto insurance companies.

Liability auto insurance – Liability insurance will cover damage or injury you incur to people or other property that is your fault. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things like bail bonds, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for bills for pain medications, prosthetic devices, nursing services, rehabilitation expenses and dental work. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like falling objects, hitting a deer and hail damage. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a building, hitting a mailbox, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Be Smart and Buy Smart

We covered many tips how you can get a better price on 2018 Kia Optima insurance. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may even discover the lowest rates are with the least-expected company. Smaller companies may have significantly lower car insurance rates on certain market segments than their larger competitors like Allstate or State Farm.

Cheaper insurance can be sourced from both online companies in addition to local insurance agencies, so you need to shop insurance with both in order to have the best chance of saving money. Some companies may not provide online price quotes and many times these small, regional companies only sell coverage through independent agencies.

For more information, feel free to browse the resources below: