Compare 2006 Kia Optima Insurance Quotes

Want better insurance coverage rates for your Kia Optima? Searching for discount insurance coverage on the web might appear somewhat difficult for people new to quoting and comparing and buying insurance coverage online. With such a large number of agents and companies in the marketplace, how are we expected to have a chance to compare all the different companies and get the cheapest price possible?

You should take the time to take a look at other company’s rates once or twice a year because prices go up and down regularly. Just because you found the lowest quotes on Optima coverage last year there may be better deals available now. Block out anything you think you know about insurance coverage because you’re about to find out the right way to buy cheaper insurance coverage.

Cheap auto insurance

There are a lot of ways to compare auto insurance quotes, and some are more efficient than others. You can waste hours driving to insurance agencies in your area, or you could use the web to get the quickest rates.

Most car insurance companies enroll in a system that enables customers to send in one quote, and at least one company can give them a price determined by their information. This eliminates the need for quote requests for each company.

To submit your quote information now, click here to open in new window.

The single downside to pricing coverage this way is you can’t choose which carriers to get quotes from. If you would rather choose specific providers to receive pricing from, we have a listing of companies who write auto insurance in your area. Click to view list.

Take whichever approach you prefer, but be sure you’re using identical coverages and limits for each price quote. If you enter different deductibles then you won’t be able to make an equal comparison. Even a minor difference in insurance coverages can make a big difference in price. And when quoting auto insurance, remember that comparing more quotes gives you a better chance of getting the best rates.

Do you qualify for discounts?

Not too many consumers would say auto insurance is affordable, but you might be missing out on some discounts that can dramatically reduce your bill. Certain credits will be shown when you complete an application, but once in a while a discount must be specifically requested prior to getting the savings.

  • ABS Brakes – Cars with ABS braking systems or traction control can reduce accidents so companies give up to a 10% discount.
  • Discount for Life Insurance – If the company offers life insurance, you could get a discount if you purchase a life policy as well.
  • Discount for Passive Restraints – Options like air bags or automatic seat belts may qualify for discounts of up to 25% or more.
  • Low Mileage – Fewer annual miles on your Kia could be rewarded with lower rates on the low mileage vehicles.
  • Good Grades Discount – Being a good student may save you up to 25%. Earning this discount can benefit you until age 25.
  • Telematics Discount – Insureds that choose to allow their insurance company to monitor vehicle usage by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates as long as they are good drivers.
  • Distant Student – Kids living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • Policy Bundle Discount – When you combine your auto and homeowners insurance with one insurance company you will save nearly 15% which can help you find the cheapest insurance.
  • Organization Discounts – Being a member of a professional or civic organization is a good way to get lower rates when shopping for auto insurance.

Remember that most of the big mark downs will not be given to the entire policy premium. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way.

Some of the larger companies that may offer policyholders most of the discounts above include:

If you are trying to find cheaper insurance quotes, ask each company what discounts are available to you. Some of the discounts discussed earlier might not be available to policyholders in your area.

Don’t assume everyone needs the same insurance coverage

When buying adequate coverage, there is no one size fits all plan. Everyone’s situation is unique.

For instance, these questions might help in determining whether you will benefit from professional help.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is my dog or cat covered if injured in an accident?
  • How much liability insurance is required?
  • Should I have a commercial auto policy?
  • Is my nanny covered when driving my vehicle?
  • When should I not file a claim?
  • Am I covered when driving someone else’s vehicle?
  • Can I still get insurance after a DUI?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form.

Car insurance policy coverages for a 2006 Kia Optima

Learning about specific coverages of your policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Collision – This will pay to fix damage to your Optima resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with another moving vehicle, damaging your car on a curb and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from flooding, hitting a deer, hitting a bird and rock chips in glass. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Kia Optima.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually the UM/UIM limits are set the same as your liablity limits.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for expenses like EMT expenses, hospital visits, ambulance fees and funeral costs. They are used in conjunction with a health insurance plan or if you do not have health coverage. It covers you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Liability car insurance – Liability insurance provides protection from injuries or damage you cause to other’s property or people by causing an accident. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things like pain and suffering, medical services, emergency aid and funeral expenses. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.