View 2017 Kia Optima Plug-In Hybrid Insurance Cost

Locating cheap auto insurance over the internet may at first seem to be somewhat intimidating for drivers who are beginners to quoting and comparing and buying auto insurance on the internet. Since there are so many insurers to choose from, how are drivers expected to even start to compare every company in order to find better auto insurance prices?

If you have car insurance now, you should be able to lower your premiums substantially using these tips. Locating cheaper coverage is not that difficult. But vehicle owners must learn the methods companies use to price insurance differently.

First Step: Get free auto insurance quotes

Comparing auto insurance rates can be challenging if you don’t know the most efficient way to do it. You can spend countless hours driving to local insurance agents in your area, or you could use the web to get rate comparisons in just a few minutes.

Most of the best insurance companies belong to a marketplace that allows shoppers to only type in their quote data once, and each participating company returns a competitive quote for coverage. This eliminates the need for quote requests for each company you want a rate for. To enter your information into the quoting system, click to open in new window.

One minor caviat to comparing rates this way is you don’t know exactly which providers you will receive quotes from. So if you prefer to choose individual companies to compare, we have assembled a list of auto insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just make sure you compare nearly identical coverage data for every company. If you enter higher or lower deductibles it will be impossible to make an equal comparison. Just slight variations in insurance coverages may result in a large different in cost. And when quoting auto insurance, remember that comparing more rates from different companies helps locate the best price. Not every company allows you to get quotes online, so it’s important to also get price estimates from those companies as well.

Take advantage of every auto insurance discount

Auto insurance is expensive, but you may qualify for discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you purchase, but a few must be asked about before being credited.

  • Multi-line Discount – Some companies give a break if you buy life insurance from them.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks on a single policy qualifies for this discount.
  • Anti-theft Discount – Vehicles that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Bundled Policy Discount – When you combine your home and auto insurance with the same insurance company you could save at least 10% off all policies.
  • Home Ownership Discount – Owning your own home or condo can save a few bucks since owning and maintaining a home shows financial diligence.
  • Driver’s Education for Students – It’s a good idea to have your young drivers participate in a local driver’s education class in school.

A little disclaimer on discounts, some credits don’t apply the the whole policy. The majority will only reduce the cost of specific coverages such as comp or med pay. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

Some of the larger companies that may offer policyholders these benefits include:

If you need lower rates, check with every company which discounts you may be entitled to. Some credits may not apply in your area.

How to know if you need help

When it comes to choosing coverage, there is no cookie cutter policy. Every insured’s situation is different.

For instance, these questions might point out if your insurance needs might need an agent’s assistance.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I need added coverage for expensive stereo equipment?
  • Is a blown tire covered by insurance?
  • Are my friends covered when driving my car?
  • Is there coverage for injuries to my pets?
  • Can I afford to pay high deductible claims out of pocket?
  • I have health insurance so do I need medical payments coverage?
  • How do I buy GAP insurance?
  • Are rock chip repairs covered?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form.

Seven things that impact your insurance costs

Multiple criteria are considered when you get your auto insurance bill. Some are obvious such as your driving record, although others are less apparent like your continuous coverage and annual miles driven.The best way to find cheaper insurance coverage is to take a look at the rating factors that aid in calculating your insurance coverage rates. When consumers understand what influences your rates, this enables informed choices that can earn you lower premium levels.

  • Deter car thieves – Buying a car that has a built-in theft deterrent system can earn a premium discount. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft.
  • Low mileage costs less – The higher the mileage driven every year the more you’ll pay to insure it. Most companies rate vehicles based upon how much you drive. Cars and trucks that do not get driven very much receive better premium rates than vehicles that are driven to work every day. An improperly rated Optima Plug-In Hybrid may be costing you. It’s always a good idea to double check that your insurance coverage policy is showing annual mileage.
  • Single drivers may pay more – Having a spouse can actually save you money on insurance coverage. Having a spouse is viewed as being more stable financially and statistics prove being married results in fewer claims.
  • Battle of the sexes – Statistics have proven that men are more aggressive behind the wheel. The data does not necessarily mean that females are better drivers. Both sexes cause fender benders at a similar rate, but men cause more damage and cost insurance companies more money. Not only are claims higher, but men get higher numbers of serious violations like reckless driving and DUI. Young males are the most expensive to insure so it costs more to insure them.
  • Lower rates come with age – Beginning drivers are known to be less responsible in a vehicle so they pay higher insurance coverage rates. More experienced drivers are shown to be more cautious, cost insurance companies less in claims and receive fewer citations.
  • Cheaper prices with safer cars – Vehicles with high crash test scores are cheaper to insure. Safe vehicles have better occupant injury protection and fewer serious injuries means less money paid by your insurance company and cheaper rates on your policy.
  • Your address can influence price – Having an address in small towns and rural areas can be a good thing when shopping for auto insurance. Residents of big cities regularly have traffic congestion and more time behind the wheel. Fewer drivers on the road means less chance of accidents and a lower car theft rate.

Misconceptions in car insurance advertisements

Progressive, GEICO, Allstate and State Farm regularly use ads on television and other media. All the ads make the same claim that drivers can save some big amount if you just switch to them. How do they all lower your rates? This is how they do it.

All the different companies quote the lowest rates for the type of driver that will generate a profit. An example of a profitable risk profile should be over the age of 40, has other policies, and drives newer vehicles. A propective insured who fits those characteristics will most likely get cheap premium rates and will probably cut their rates if they switch.

Potential customers who do not meet those standards will get a higher rate which leads to the driver buying from a lower-cost company. The ad wording is “customers that switch” not “everyone that quotes” will save that much if they switch. That is how companies can make the claims of big savings.

This really emphasizes why it’s extremely important to do a price quote comparison at every renewal. It’s not possible to predict the company that will fit your personal profile best.

Car insurance 101

Learning about specific coverages of your policy helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for expenses like rehabilitation expenses, EMT expenses and surgery. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision protection

This pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a parking meter, scraping a guard rail, sideswiping another vehicle, driving through your garage door and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from flooding, rock chips in glass, a broken windshield, vandalism and theft. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Liability car insurance

Liability insurance provides protection from damage or injury you incur to a person or their property. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as medical expenses, repair costs for stationary objects, structural damage and attorney fees. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Buy Smart and Save

As you quote insurance coverage, you should never buy poor coverage just to save money. There have been many situations where consumers will sacrifice full coverage only to discover later they didn’t have enough coverage. The goal is to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.

Consumers who switch companies do it for a number of reasons such as extreme rates for teen drivers, an unsatisfactory settlement offer, questionable increases in premium or even denial of a claim. No matter why you want to switch, finding a great new company is actually quite simple.

In this article, we presented some good ideas how to reduce 2017 Kia Optima Plug-In Hybrid insurance auto insurance rates online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding low cost insurance coverage. You may be surprised to find that the lowest priced car insurance comes from a lesser-known regional company.

More detailed car insurance information is available by following these links: