Cheap 2018 Kia Optima Hybrid Insurance Quotes

Searching for lower insurance rates for your Kia Optima Hybrid? Did you make the mistake of buying an overpriced insurance policy? Trust us, you are not the only one feeling buyer’s remorse. Drivers have multiple auto insurance companies to purchase coverage from, and although it’s nice to have a choice, it can be more challenging to locate the cheapest rates.

Find discounts on auto insurance

Companies offering auto insurance do not advertise every available discount in a way that’s easy to find, so the list below details both well-publicized as well as the least known discounts that you may qualify for.

  • ABS Braking Discount – Vehicles that have steering control and anti-lock brakes are safer to drive and the ABS can save up to 10%.
  • College Student – Older children who are enrolled in higher education away from home and leave their car at home may qualify for this discount.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle up could save 15% on the premium charged for medical payments and/or PIP.
  • Senior Citizens – Seniors may receive a discount up to 10% on Optima Hybrid coverage.
  • Accident Forgiveness – Not necessarily a discount, but some companies like State Farm and Progressive will allow you to have one accident without getting socked with a rate hike with the catch being you have to be claim-free for a specific time period.
  • Paper-free Discount – Certain companies may give you up to $50 for buying your policy on the web.

One thing to note about discounts is that some credits don’t apply to the entire cost. Most only reduce specific coverage prices like liability, collision or medical payments. Even though the math looks like all those discounts means the company will pay you, companies wouldn’t make money that way.

To find auto insurance companies who offer online auto insurance quotes, click here.

How to compare auto insurance price quotes

Many insurance companies allow you to get insurance quotes on the web. Getting online rates is quite simple as you just type in the amount of coverage you want into the quote form. After you submit the form their quoting system collects information on your driving record and credit history and provides a quote based on these factors. This helps simplify price comparisons, but having to visit different websites and type in the same information is monotonous and tiresome. But it’s necessary to have as many quotes as possible if you want to get a lower rate.

A better way to compare rates utilizes a single form that obtains quotes from a bunch of companies at once. It’s a real time-saver, requires less work, and makes quoting online a little more enjoyable. Immediately after you send the form, it gets priced and you can choose your choice of the price quotes you receive.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. The whole process can be completed in a matter of minutes and you will know how your current rates stack up.

To find out what other companies charge, click here and submit the form. To compare your current rates, we recommend you input the coverages exactly as shown on your declarations page. Doing this guarantees you are getting a fair comparison for exact coverage.

Informed consumers can cut their insurance premiums

Consumers need to have an understanding of some of the things that help determine insurance rates. If you know what impacts premium levels, this empowers consumers to make smart changes that can earn you big savings.

  • Your job can affect rates – Careers such as military personnelairline pilots and emergency personnel are shown to have higher rates than average due to intense work-related stress and long work hours. Conversely, occupations like scientists, historians and performers get better rates on Optima Hybrid coverage.
  • Drive less and get lower costs – Driving a lot of miles every year the more you will pay for insurance. Almost all companies charge rates based upon how you use the vehicle. Cars used primarily for pleasure use can be on a lower rate level than those that get driven frequently. Having the wrong rating on your Optima Hybrid can cost quite a bit. It’s always a good idea to double check that your insurance policy shows the correct usage for each vehicle, because it can save money.
  • Credit rating impact insurance premiums – A driver’s credit score can be a huge factor in calculating your insurance rates. People that have high credit scores tend to be better drivers and file fewer claims than those with lower ratings. If your credit rating can be improved, you could be paying less to insure your 2018 Kia Optima Hybrid if you improve your credit rating.
  • Five star safety rating saves money – Cars with high safety ratings tend to have lower insurance rates. The safest vehicles result in less severe injuries and fewer injuries translates directly to fewer claims passed on to you as lower rates. If your Kia Optima Hybrid scored better than four stars on or an “acceptable” rating on it is probably cheaper to insure.
  • Limits of liability insurance – A critical coverage on your policy, liability insurance is the coverage that protects you if ever a court rules you are at fault for causing personal injury or damage in an accident. Your policy’s liability insurance provides for a legal defense which can cost a lot. Liability insurance is quite affordable compared to physical damage coverage, so insureds should have plenty of protection for their assets.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions can help discover if your situation will benefit from professional help.

  • Does car insurance cover theft of personal property?
  • How can I get high-risk coverage after a DUI?
  • Are my friends covered when driving my 2018 Kia Optima Hybrid?
  • Why do I need rental car insurance?
  • Is my custom paint covered by insurance?
  • Is my Kia Optima Hybrid covered if I use it for business?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Coverages available on your policy

Having a good grasp of your insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages available from insurance companies.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your 2018 Kia Optima Hybrid.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally these coverages do not exceed the liability coverage limits.

Liability auto insurance

This provides protection from damage or injury you incur to a person or their property in an accident. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things like structural damage, court costs and emergency aid. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like hospital visits, prosthetic devices, funeral costs, EMT expenses and X-ray expenses. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like vandalism, theft, a tree branch falling on your vehicle, fire damage and damage from getting keyed. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage

This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as backing into a parked car, damaging your car on a curb, colliding with a tree and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Money doesn’t grow on trees

As you go through the steps to switch your coverage, it’s not a good idea to sacrifice coverage to reduce premiums. Too many times, an insured dropped uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase plenty of coverage at the lowest possible cost, but don’t skip important coverages to save money.

You just read a lot of tips how to get a better price on 2018 Kia Optima Hybrid insurance. The key thing to remember is the more you quote insurance, the better your chances of lowering your rates. You may be surprised to find that the best price on insurance is with a lesser-known regional company. They can often provide lower rates in certain areas compared to the large companies like State Farm, Geico and Nationwide.

More detailed insurance information is available at these sites: