View 2015 Kia Optima Insurance Cost

I really doubt anyone looks forward to buying car insurance, especially knowing they could find better prices if they shop around.

Multiple auto insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to find the best rates possible.

Consumers should take time to shop coverage around occasionally since prices are adjusted regularly by insurance companies. Even if you think you had the lowest price for Optima coverage two years ago there is a good chance you can find better rates now. Block out anything you think you know about car insurance because it’s time to teach you the things you must know in order to lower your annual insurance bill.

How to get the cheapest insurance

There are a variety of methods to compare insurance prices but one way is more efficient than others. You could waste a few hours talking to insurance companies in your area, or you can stay home and use online quoting to maximize your effort.

All the larger companies participate in an industry program that enables customers to complete one form, and each participating company can give them a price for coverage. This system prevents you from having to do quote forms for each company you want a rate for.

To compare pricing click here to open in new window.

The one disadvantage to using this type of form is buyers cannot specifically choose the providers you want to price. So if you prefer to choose from a list of companies for rate comparison, we have a page of low cost insurance companies in your area. Click to view list.

Compare rates however you want, just make darn sure you compare exactly the same quote information for every quote you compare. If you use different coverage information it’s impossible to determine the best price for your Kia Optima. Just slight variations in insurance coverages or limits could skew the results. Just remember that comparing more company’s prices helps you find a lower rate. Not every company allows you to get online price quotes, so you also need to get quotes from those companies as well.

Take policy discounts and save

Companies do not advertise every discount they offer in an easy-to-find place, so the list below details a few of the more common and the harder-to-find discounts you could be receiving when you buy car insurance online.

  • Driver Safety – Passing a safe driver class could possibly earn you a 5% discount and also improve your driving technique.
  • Discounts for Government Workers – Having worked for a branch of the government may reduce rates when you quote car insurance for Optima coverage depending on your car insurance provider.
  • Data Collection Discounts – Drivers that enable data collection to track vehicle usage by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they exhibit good driving behavior.
  • Pay Now and Pay Less – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save up to 5%.
  • Sign Online – A few companies will provide an incentive shop car insurance on your computer.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like comp or med pay. If you do the math and it seems like you can get free auto insurance, you won’t be that lucky.

Companies and their possible discounts are outlined below.

  • State Farm offers discounts including safe vehicle, defensive driving training, driver’s education, student away at school, multiple policy, and accident-free.
  • GEICO includes discounts for military active duty, multi-policy, anti-theft, daytime running lights, emergency military deployment, and five-year accident-free.
  • Allstate has discounts for good student, eSmart discount, 55 and retired, farm vehicle, and teenSMART discount.
  • SAFECO may offer discounts for anti-lock brakes, safe driver, multi-car, homeowner, teen safe driver, bundle discounts, and accident prevention training.
  • Farm Bureau may include discounts for youthful driver, driver training, renewal discount, safe driver, and good student.
  • Progressive offers premium reductions for online signing, multi-vehicle, good student, online quote discount, multi-policy, homeowner, and continuous coverage.
  • AAA policyholders can earn discounts including AAA membership discount, multi-car, multi-policy, education and occupation, good student, and pay-in-full.

It’s a good idea to ask all the companies how you can save money. Some discounts listed above might not be available to policyholders everywhere.

Which policy gives me the best coverage?

When it comes to choosing the right insurance coverage, there really is not a one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions can help discover if your insurance needs will benefit from professional help.

  • What if I owe more than I can insure my car for?
  • Can I get a multi-policy discount?
  • Do I have coverage when making deliveries for my home business?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Should I rate my 2015 Kia Optima as pleasure use or commute?
  • If my pet gets injured in an accident are they covered?
  • Can I drive in Mexico and have coverage?
  • When can my company non-renew my policy?
  • Is other people’s property covered if stolen from my vehicle?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Learn about car insurance coverages for a 2015 Kia Optima

Understanding the coverages of your car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverages available from car insurance companies.

Auto liability – Liability coverage will cover damages or injuries you inflict on other people or property that is your fault. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like repair bills for other people’s vehicles, attorney fees, funeral expenses, bail bonds and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as prosthetic devices, pain medications, X-ray expenses and surgery. They can be used in conjunction with a health insurance program or if you do not have health coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision – This coverage pays for damage to your Optima resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a ditch, sustaining damage from a pot hole, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive insurance – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a deer, hitting a bird, damage from a tornado or hurricane, a tree branch falling on your vehicle and a broken windshield. The highest amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.