2001 Kia Optima Insurance Quotes – 9 Tips to Save

Want lower auto insurance rates for your Kia Optima? If you’re searching for more affordable insurance, are you confused by the crazy number of auto insurance providers available to you? Many other people are too. drivers have so many providers to choose from that it can be a real difficult job to locate the lowest premium rates.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these tips. This information will introduce you to how to effectively get price quotes and some tricks to saving. Nevertheless, consumers do need to understand the way companies market insurance on the web and apply this information to your search.

Which insurance coverage is cheapest?

The are a couple different ways to compare quotes from all the different companies. The easiest way to find cheaper Kia Optima rates is to use the internet to compare rates. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The most efficient way to get quotes is a comparison rater form (click to open form in new window). This easy form eliminates the need for separate quotes for each company you want a rate for. A single form will get you price quotes from all major companies.It’s the quickest way to get rates.
  2. A less efficient way to compare prices requires a trip to the website for every company you want to comare and request a quote. For examples sake, we’ll assume you want to compare prices for Nationwide, Geico and Travelers. You would be required to spend time going to each site individually to enter the same coverage data repeatedly, which is why the first method is more popular.

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

  3. The least efficient and most time consuming way to compare price quotes is to drive around to each insurance agency near you. Comparing online rate quotes makes this process obsolete unless you have a need for the professional advice of a local agent. However, consumers can find lower rates online but buy the policy through an agent.

It’s your choice how you get your quotes, but compare the exact same coverage information for each comparison quote. If each company quotes different deductibles you can’t possibly determine which company has the best rates. Just slight variations in limits could mean much higher rates. And when comparing insurance coverage rates, know that comparing more company’s prices increases your odds of finding the best price.

Advertising and insurance

Allstate, Geico and Progressive constantly bombard you with television, radio, and online ads. All the ads advertise claims that drivers will save a bundle if you change your coverage. How is it possible that every company can save you money? You have to listen carefully.

Many companies require specific criteria for the type of customer they prefer to insure. An example of this type of driver may be over age 30, owns their home, and drives less than 5,000 miles a year. Anybody that meets those criteria will get a cheap rate quote and will probably save a lot if they switch.

Potential insureds who cannot meet those criteria may be required to pay a higher rate which translates to the driver buying from a lower-cost company. The trick is to say “customers that switch” not “everyone who quotes” save money. That’s why insurance companies can confidently claim big savings. This illustrates why you should compare many company’s premium rates. Because you never know which company will have the best car insurance rates for your profile.

Use discounts to get cheaper insurance rates

Some insurance providers do not advertise all available discounts in a way that’s easy to find, so the below list has a few of the more well known as well as the least known credits that you can use to lower your rates.

  • Multi-line Discount – Companies who offer life insurance give a break if you buy life insurance.
  • Save with More Vehicles Insured – Purchasing coverage when you have primary and secondary vehicles with one company can get a discount on all vehicles.
  • Paperless Signup – Some of the larger companies provide a small discount for buying your policy on their website.
  • Good Student – Getting good grades can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Low Mileage – Keeping the miles down on your Kia could earn slightly better premium rates than normal.
  • Own a Home – Being a homeowner can save a few bucks because maintaining a house demonstrates responsibility.
  • Senior Citizen Rates – If you’re over the age of 55, you can possibly qualify for a slight reduction on a insurance coverage quote for Optima coverage.
  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in school or through a local driver safety program.
  • Passive Restraints – Options like air bags may earn rate discounts of 20% or more.

Remember that some of the credits will not apply to the entire cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like you could get a free insurance policy, insurance companies wouldn’t stay in business.

Auto insurance companies who might offer these benefits include:

Before buying, ask all the companies which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policyholders everywhere. To view companies that offer some of these discounts, click here.

Tailor your car insurance coverage to you

When choosing coverage for your personal vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining if your situation may require specific advice.

  • At what point should I drop full coverage?
  • How can I find cheaper teen driver insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • Are split liability limits better than a combined single limit?
  • Do I need higher collision deductibles?
  • Does my policy cover my teen driver if they drive my company car?
  • Are all vehicle passengers covered by medical payments coverage?
  • What is the rate difference between pleasure use and commuting?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Insurance coverages 101

Having a good grasp of your insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like EMT expenses, hospital visits and funeral costs. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This provides protection from damages or injuries you inflict on a person or their property in an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers things such as pain and suffering, repair costs for stationary objects, bail bonds, legal defense fees and court costs. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Coverage for uninsured or underinsured drivers

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Kia Optima.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for collisions

This pays for damage to your Optima from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, colliding with a tree, scraping a guard rail, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive insurance

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from flooding, hail damage, a tree branch falling on your vehicle and falling objects. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Keep this in mind

Consumers who switch companies do it for many reasons like unfair underwriting practices, being labeled a high risk driver, policy non-renewal or denial of a claim. It doesn’t matter why you want to switch finding a new company is less work than it seems.

Lower-priced car insurance can be sourced both online as well as from independent agents, so get free insurance coverage quotes from both of them so you have a total pricing picture. Some insurance companies may not provide rates over the internet and usually these regional carriers only sell coverage through independent agents.

In this article, we covered a lot of information how to save on 2001 Kia Optima insurance. It’s most important to understand that the more you quote insurance coverage, the better chance you’ll have of finding the cheapest insurance coverage. Consumers could even find that the lowest priced car insurance comes from an unexpected company.

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