2009 Kia Optima Insurance Quotes – 10 Discounts for Best Rates

Looking for cheaper insurance coverage rates for your Kia Optima? If shopping for insurance coverage quotes online is new to you, it’s easy to be confused thanks to all the different types of online insurance coverage companies and websites selling insurance.

If you currently have a car insurance policy, you will be able to save some money using these methods. Locating affordable auto insurance coverage is not that difficult. But consumers can benefit by having an understanding of how big insurance companies price insurance differently and apply this information to your search.

Lower-cost car insurance quotes with discounts

Insurance can cost an arm and a leg, but there could be significant discounts that many consumers don’t even know exist. Some trigger automatically at the time of purchase, but some discounts are required to be asked about before being credited. If you do not check that you are getting every discount possible, you are throwing money away.

  • Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a break if you buy a life policy as well.
  • Membership in Organizations – Participating in certain professional organizations may earn a discount on your next renewal.
  • Discounts for Cautious Drivers – Accident-free drivers may save up to 50% more on Optima insurance compared to accident prone drivers.
  • Resident Student – College-age children living away from home attending college and leave their car at home may be able to be covered for less.
  • Homeowners Discount – Being a homeowner can save you money since owning and maintaining a home requires personal responsibility.
  • Discount for New Cars – Putting insurance on a new car can be considerably cheaper compared to insuring an older model.
  • Claim-Free Discount – Insureds with no claims or accidents can earn big discounts as opposed to policyholders that have many claims.
  • Paperless Signup – A few larger companies will discount your bill up to fifty bucks for buying your policy on your computer.
  • Defensive Driver Discounts – Participating in a course that instructs on driving safety can save you 5% or more if your company offers it.
  • Driver’s Ed – Have your child successfully complete driver’s ed class in school.

A little disclaimer on discounts, some credits don’t apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any qualifying discounts should help reduce your policy premiums.

The best car insurance companies and a summarized list of policyholder discounts can be read below.

  • Progressive includes discounts for multi-policy, online signing, continuous coverage, multi-vehicle, online quote discount, homeowner, and good student.
  • Farmers Insurance has discounts for business and professional, electronic funds transfer, teen driver, good student, homeowner, pay in full, and alternative fuel.
  • Farm Bureau may include discounts for driver training, multi-policy, multi-vehicle, youthful driver, safe driver, and renewal discount.
  • State Farm offers discounts for Drive Safe & Save, passive restraint, anti-theft, Steer Clear safe driver discount, good driver, defensive driving training, and driver’s education.
  • GEICO may offer discounts for multi-policy, anti-lock brakes, daytime running lights, military active duty, emergency military deployment, and membership and employees.
  • SAFECO may have discounts that include anti-lock brakes, homeowner, teen safety rewards, anti-theft, drive less, teen safe driver, and multi-car.
  • Liberty Mutual offers premium reductions for multi-car, safety features, hybrid vehicle, good student, newly retired, new move discount, and newly married.

If you need affordable insurance coverage quotes, ask every company how many discounts you can get. Some of the earlier mentioned discounts might not be available to policyholders in your area. If you would like to view providers who offer online car insurance quotes, click here.

How much is insurance coverage?

Effectively comparing insurance coverage prices can be challenging if you aren’t aware of the most efficient way. You can spend your afternoon talking about coverages with insurance agencies in your area, or you could save time and use online quoting to get prices fast.

Many of the larger companies participate in an industry program that enables customers to submit their information once, and every company then returns a price quote based on that information. This saves time by eliminating quotation requests for each company you want a rate for.

To access this free quoting program, click here to open in new window.

One minor caviat to getting quotes like this is you cannot specify the insurers you want pricing from. So if you want to choose individual companies for rate comparison, we have a listing of companies who write insurance coverage in your area. Click here for list of insurance companies.

It’s up to you which method you use, but be sure you’re using identical deductibles and coverage limits for each quote you get. If the quotes have different deductibles it will be nearly impossible to make an equal comparison. Having just a slight variation in insurance coverages may result in a large different in cost. Just remember that comparing a large number of companies will increase your chances of finding the best rates.

Tailor your insurance coverage to you

When buying proper insurance coverage, there really is no cookie cutter policy. Each situation is unique.

For instance, these questions may help highlight whether your personal situation would benefit from professional advice.

  • Can I make deliveries for my home business?
  • What is the ISO rating for a 2009 Kia Optima?
  • Am I covered if I drive in a foreign country?
  • Is my 2009 Kia Optima covered for smoke damage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered when pulling a rental trailer?
  • I don’t drive much so do I pay less?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What are the financial responsibility laws in my state?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance coverage specifics

Learning about specific coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Coverage for medical expenses – Med pay and PIP coverage pay for immediate expenses for surgery, dental work, rehabilitation expenses, chiropractic care and nursing services. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Collision coverages – Collision insurance will pay to fix damage to your Optima resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a building, hitting a mailbox, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Auto liability insurance – Liability coverage will cover damage that occurs to a person or their property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against things like attorney fees, loss of income, funeral expenses and emergency aid. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Comprehensive car insurance – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a deer, theft and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Kia Optima.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

A penny saved is a penny earned

As you go through the steps to switch your coverage, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where an accident victim reduced liability limits or collision coverage to discover at claim time that it was a big mistake. Your goal should be to get the best coverage possible at a price you can afford and still be able to protect your assets.

People switch companies for a number of reasons such as extreme rates for teen drivers, denial of a claim, high rates after DUI convictions or delays in paying claims. It doesn’t matter what your reason, finding a great new company can be easier than you think.

We just presented many ideas to save on 2009 Kia Optima insurance. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your car insurance rates. You may even discover the biggest savings come from some of the smallest insurance companies.

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