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Kia Optima Insurance Rates

There are many options when insurance shopping for your Kia vehicle. You can buy from a local agent or price shop online to check prices from insurance carriers. Finding cheaper car insurance by getting online quotes is simple to do and there is a good chance you might just save a little.

Finding the best direct price on car insurance can be a challenge if you have never used online quoting. But relax because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare rate quotes from local car insurance companies. The easiest way to find competitive Optima insurance cost is to perform an online rate comparison. This can be accomplished by completing this short form.

FREE Car Insurance Comparison

Auto insurance rates paid to insure a Kia Optima can fluctuate considerably subject to many criteria. Some of these factors include:

  • More performance equals higher cost
  • Accidents raise premiums
  • Home/auto policy bundles save money
  • How you use your vehicle
  • Extra coverages like towing and rental
  • What you do for a living
  • Your coverage level
  • Whether you own your home

A final factor which can affect Optima insurance rates is the model year. Models that are a few years old cost less in comparison to older models so the costs to repair can decrease annual premiums. On the flip side, new Kia models may have a trim level with safety features like a telematics system, all-wheel drive, and adaptive headlights which may give discounted rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your Optima below.

Liability - Optima liability coverage provides protection from damage that occurs to a person or their property that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so consider buying as high a limit as you can afford.

Collision - This pays to fix your vehicle from damage from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from vehicles that are older. It's also possible to bump up the deductible to get cheaper Optima insurance rates.

Comprehensive or Other Than Collision - This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by your Kia Optima comprehensive insurance. The most you'll receive from a claim is the market value of your vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical costs insurance - Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage.

How Much are Kia Optima Insurance Rates?