Cheap 2001 Kia Optima Car Insurance Quotes

Trying to find the cheapest car insurance rates for your Kia Optima? Are you sick and tired of scraping the payment together to make your car insurance payment? You are in the same boat as the majority of other drivers. Having so many insurance providers from which to choose, it can be diffult for people to pick a more affordable car insurance provider.

Affordable car insurance rates with discounts

Some insurers do not list every available discount in an easy-to-find place, so we break down some of the more common and the harder-to-find discounts that you can inquire about if you buy insurance coverage online.

  • Good Students Pay Less – This discount can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Bundle and Save – When you combine your auto and home insurance with one insurance company you will save 10% to 20% off each policy.
  • Air Bags and Passive Restraints – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • Club Memberships – Participating in qualifying clubs or civic groups is a good way to get lower rates on your next car insurance statement.
  • ABS Braking Discount – Cars and trucks equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • More Vehicles More Savings – Buying coverage for primary and secondary vehicles on one policy can get a discount for every vehicle.
  • Theft Prevention Discount – Cars, trucks, and SUVs with anti-theft systems are less likely to be stolen and earn discounts up to 10% off your insurance coverage quote.
  • Claim-Free Discount – Drivers who stay claim-free can earn big discounts when compared to frequent claim filers.
  • Homeowners Discount – Owning a home can earn you a little savings because owning a home requires personal responsibility.
  • Accident Forgiveness Coverage – Not a discount per se, but certain companies will let one accident slide before hitting you with a surcharge if your claims history is clear before the accident.

As a footnote on discounts, some of the credits will not apply to the entire cost. Most only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like adding up those discounts means a free policy, you’re out of luck.

To see providers that offer some of these discounts, click here.

Tailor your car insurance coverage to you

When buying coverage for your personal vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions can aid in determining if you could use an agent’s help.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Why does it cost so much to insure a teen driver?
  • Can I drive in Mexico and have coverage?
  • When can my company non-renew my policy?
  • Does medical payments coverage apply to all occupants?
  • What is medical payments coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is my 2001 Kia Optima covered for flood damage?

If you’re not sure about those questions, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Do you really save 40% when you switch?

Consumers can’t avoid all the ads that promise big savings from the likes of Progressive, GEICO, Allstate and State Farm. All the companies make the same claim about how much you will save if you get a free insurance coverage quote and switch to their company.

How does each company make almost identical claims? This is how they do it.

Many companies quote the lowest rates for the right customer that makes them money. A good example of a preferred risk might be described as between 30 and 50, is a homeowner, and drives a safe vehicle. Anybody who meets those qualifications will probably get cheap prices and have a good chance to pay quite a bit less when switching companies.

Insureds who may not quite match these standards will get a higher rate and this can result in business not being written. Company advertisements say “customers that switch” but not “everyone who gets a quote” save that much. This is how insurance companies can make it sound like they have such great rates.

This emphasizes why you really should get insurance coverage quotes as often as possible. Because without a comparison, you cannot know the company that will be your best fit.

Auto insurance coverage breakdown

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types available from auto insurance companies.

Liability – Liability coverage provides protection from damages or injuries you inflict on a person or their property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like funeral expenses, emergency aid, structural damage, attorney fees and loss of income. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2001 Kia Optima.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like X-ray expenses, dental work, funeral costs and EMT expenses. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision – Collision coverage will pay to fix damage to your Optima resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like backing into a parked car, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Comprehensive (Other than Collision) – This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hitting a deer, damage from flooding, a broken windshield, hitting a bird and fire damage. The maximum payout 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 consider removing comprehensive coverage.

In conclusion

Lower-priced 2001 Kia Optima insurance can be found on the web and with local insurance agents, so you should compare both to have the best selection. Some companies don’t offer online rate quotes and usually these regional carriers only sell coverage through independent agencies.

When buying insurance coverage, never reduce needed coverages to save money. In many cases, someone dropped physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. Your goal is to buy enough coverage at the best price while still protecting your assets.

You just read some good ideas how you can get a better price on 2001 Kia Optima insurance. The most important thing to understand is the more providers you compare, the higher your chance of finding the cheapest insurance coverage. Drivers may discover the biggest savings come from a small mutual company. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, GEICO and Nationwide.

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