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Kia Optima Insurance Cost

Finding cheaper car insurance through online providers saves time, is easy to do and at the same time you can save money. The key to finding lower rates is getting rates from as many companies as possible in order to have all possible prices.

Finding the best direct price on car insurance is challenging if you are a beginner to quoting online. Don't let that stop you because it's actually quite easy. There are several ways to get quotes and find the best price. The easiest way by far to compare Optima insurance rates is to perform an online rate comparison. It is quite easy and can be accomplished by comparing rates here.

What factors determine car insurance premiums?

Car insurance premiums for your Kia Optima can be significantly different and are calculated by many factors. Taken into consideration are:

  • Tickets increase premiums
  • Better credit means lower rates
  • Men typically pay more than women
  • Deductible amount directly impacts your rate
  • Your vehicle's safety rating
  • Your occupation
  • Insurance coverage level
  • Whether you rent or own your home

An additional factor which can affect Optima insurance cost is the year of the vehicle. Models that are a few years old have a reduced actual cash value than newer models so the payout to repair may end up costing you less. Although more recent Kia vehicles may have safety features included like forward-collision avoidance, a telematics system, tire pressure monitors, and autonomous braking that may help lower rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability auto insurance

This will cover damages or injuries you inflict on other's property or people that is your fault. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as large an amount as possible.

Collision protection

This will pay to fix damage to your Kia resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper Optima insurance cost.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The highest 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 or underinsured coverage

This protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.

How Much are Kia Optima Insurance Rates?