Cheaper 2016 Kia Optima Insurance Rates

Finding cheaper insurance for a Kia Optima could be a lot of work, but you can follow these tips and make it easy. There is a right way and a wrong way to shop for insurance and we’ll show you the absolute fastest way to quote coverages for a Kia and obtain the lowest price.

Buying car insurance is not that difficult. If you have insurance now or are shopping for new coverage, you can follow these tips to find better prices while maintaining coverages. Drivers only need an understanding of the proper methods to shop online.

Lower rates by qualifying for discounts

Companies don’t always advertise their entire list of discounts very clearly, so below is a list some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy auto insurance online.

  • Bundled Policy Discount – When you combine your auto and home insurance with one company you could earn a discount of up to 20% off your total premium.
  • Military Rewards – Being deployed with a military unit could mean lower rates.
  • Life Insurance – If the company offers life insurance, you could get a break if you buy a life policy as well.
  • Discounts for Safe Drivers – Accident-free drivers could pay up to 40% less for Optima coverage than their less cautious counterparts.
  • Low Mileage – Driving fewer miles could be rewarded with substantially lower prices.

Just know that some of the credits will not apply to your bottom line cost. Some only reduce individual premiums such as collision or personal injury protection. Even though it appears you could get a free car insurance policy, you’re out of luck.

A few of the larger companies and some of the premium reductions they offer are shown below.

  • AAA may include discounts for multi-policy, education and occupation, pay-in-full, multi-car, AAA membership discount, good driver, and good student.
  • Progressive has discounts for good student, online signing, multi-policy, multi-vehicle, and online quote discount.
  • State Farm may offer discounts for defensive driving training, driver’s education, good driver, safe vehicle, Drive Safe & Save, and multiple policy.
  • Esurance may have discounts that include anti-lock brakes, online shopper, multi-policy, renters, Pac-12 alumni, and DriveSense.
  • Nationwide has savings for Farm Bureau membership, anti-theft, multi-policy, business or organization, good student, and easy pay.

If you need lower rates, check with all companies you are considering which discounts you qualify for. Discounts might not apply in every state. To see insurers offering car insurance discounts, click here.

Buy car insurance online

Lowering your 2016 Kia Optima car insurance rates can be relatively painless. You just need to spend a few minutes to compare rate quotes from different insurance companies. It’s super easy and can be done by following the guidelines below.

  1. If you’re in a hurry, the quickest way consumers can analyze rates is a comparison rater form click here to open form in new window. This form saves time by eliminating separate quote forms for each price estimate. Taking the time to complete one form will return price quotes from car insurance companies with the best prices. This is by far the quickest method.
  2. A more difficult way to get quotes online requires a visit to the website for each individual company to request a price quote. For examples sake, let’s assume you want to compare rates from Farmers, 21st Century and State Farm. To do that, you would have to spend time going to each site individually and punch in your information repeatedly, which can get old fast.

    For a list of links to insurance companies in your area, click here.

  3. The final way to compare price estimates is to drive around to each insurance agency near you. Comparing online rate quotes makes this unnecessary unless you have a complicated situation and need the professional abilities of a local agent. However, consumers can comparison shop your insurance online and get advice from an agent in your area.

It doesn’t matter which method you choose, just make sure you compare nearly identical coverage limits on every price quote you get. If the quotes have different deductibles you will not be able to make an equal comparison.

How your Optima insurance costs are determined

Lots of factors are used in the calculation when you get your auto insurance bill. Most are fairly basic like a motor vehicle report, although others are not as apparent such as your credit history or your commute time.

The items below are some of the most common factors that factor into rates.

  • Raise comp and collision deductibles and save – The deductibles you choose tell how much you are required to pay before a claim is paid by your company. Insurance for physical damage to your car, also called ‘full coverage’, insures against damage to your car. Some coverage claims are rearending another vehicle, hail damage, and having a roll-over accident. The more damage repair cost you are required to pay out-of-pocket, the lower your rates will be for Optima coverage.
  • Bad driving leads to higher prices – A bad driving record can have a huge impact on auto insurance premiums. Having just one driving citation may cause rates to rise forty percent or more. Drivers with clean records tend to pay less for car insurance as compared to those with violations. People who have multiple violations like hit and run, DWI or reckless driving convictions might be required by their state to prove financial responsibility to the state department of motor vehicles in order to keep their license.
  • Rural vs Urban Areas – Being located in less populated areas of the country has definite advantages when buying auto insurance. Fewer drivers and short commutes translates into fewer accident claims. People who live in big cities tend to have more auto accidents and more time behind the wheel. Higher commute times translates into higher accident risk.
  • Gender as a rate factor – Statistics have proven females are less aggressive when driving. Now that doesn’t mean females are better drivers. Males and females cause auto accidents at about the same rate, but males cause more damage. Not only are claims higher, but men get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly.
  • Vehicle features impact rates – Choosing a vehicle with an alarm system can help lower your rates. Theft deterrent systems like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder auto theft.
  • More stress means more cost – Did you know your occupation can influence how much you pay for auto insurance? Careers such as military personnel, business owners and miners usually pay higher rates than average in part from high stress and lots of time spent at work. On the other hand, professions such as actors, athletes and the unemployed pay the least for Optima coverage.
  • Poor credit decisions can cost you – A driver’s credit score can be a huge factor in your rate calculation. So if your credit rating is not that good, you could be paying less to insure your 2016 Kia Optima if you improve your credit rating. Consumers who have very good credit scores tend to be better drivers and file fewer claims than those with lower ratings.

Insurance is unique, just like you

When it comes to buying coverage, there really is no perfect coverage plan. Everyone’s situation is unique.

For instance, these questions could help you determine if you would benefit from professional advice.

  • How do I insure my teen driver?
  • What discounts do I qualify for?
  • Do I need medical payments coverage since I have good health insurance?
  • Is my teen driver covered when they drive my company car?
  • What is PIP insurance?
  • When should my teen driver be added to my policy?
  • Am I covered by my spouse’s policy after a separation?
  • Do I have coverage when making deliveries for my home business?
  • Is my state a no-fault state?
  • When should I not file a claim?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and may give you better protection.

Don’t believe everything you hear

Consumers can’t escape the ads that claim the best auto insurance rates from the likes of Allstate, GEICO and Progressive. All the companies tend to make the same promise about how much you will save just by switching your coverage.

How can each company charge lower premium rates? Just pay attention to how they say it.

Different companies provide the lowest rates for a prospective insured that will not have excessive claims. For example, this type of driver might be described as over age 30, has no prior claims, and drives less than 5,000 miles a year. Someone who matches those parameters will get the preferred auto insurance rates and most likely will save a lot if they switch.

Insureds who are not a match for this stringent profile will be quoted a higher premium with the end result being the prospect going elsewhere. The trick is to say “customers who switch” not “everyone that quotes” save that much money. That’s why companies can make claims that they all have the best auto insurance rates. This really drives home the point why it is so important to get auto insurance quotes as often as possible. It’s not possible to predict with any certainty which company will give you the biggest savings.

Car insurance specifics

Having a good grasp of your car insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Uninsured and underinsured coverage – This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

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 a good idea.

Comprehensive coverages – This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hail damage, fire damage and falling objects. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverages – Collision insurance covers damage to your Optima resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as driving through your garage door, crashing into a ditch, hitting a parking meter, hitting a mailbox and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for funeral costs, surgery, pain medications and nursing services. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability insurance – This coverage provides protection from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as repair costs for stationary objects, repair bills for other people’s vehicles, court costs, medical services and medical expenses. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

More choices the merrier

Affordable 2016 Kia Optima insurance is definitely available on the web and from local insurance agents, and you should compare rates from both to have the best selection. Some insurance coverage companies may not offer price quotes online and most of the time these small, regional companies only sell through local independent agents.

As you restructure your insurance plan, do not skimp on coverage in order to save money. In too many instances, an insured dropped full coverage only to discover later they didn’t have enough coverage. Your aim should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

People who switch companies do it for any number of reasons including delays in paying claims, high prices, delays in responding to claim requests and denial of a claim. Whatever your reason, finding the right insurance coverage provider is actually quite simple.

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