2007 Kia Optima Car Insurance Quotes – 9 Tips to Save

Trying to find the cheapest car insurance rates for your Kia Optima? Have you finally had enough of paying out the nose to insure your Kia every month? You are in the same boat as most other consumers.

Because you have many insurance companies to choose from, it can be hard to pick a lower cost insurer.

It’s smart to do price comparisons as often as possible because car insurance rates change frequently. Just because you found the lowest rate for Optima coverage on your last policy there is a good chance you can find better prices now. You’ll find a ton of advice on car insurance on the internet, but in a few minutes you can learn some of the best techniques to save money.

Buying car insurance is easy if you know what you’re doing. Essentially anyone who is required by state law to have insurance coverage will most likely be able to find better rates. Although consumers must understand the methods companies use to determine prices and use this information to your advantage.

Drivers save money with these nine money-saving discounts

Some providers do not list the complete list of policy discounts in an easy-to-find place, so the list below details a few of the more well known and also the lesser-known discounts that may be available.

  • Memberships – Being in specific professional or occupational memberships or organizations is a good way to get lower rates when getting a auto insurance quote.
  • Anti-lock Brakes – Cars that have anti-lock braking systems are much safer to drive and earn discounts up to 10%.
  • Discount for Low Mileage – Maintaining low annual mileage may enable drivers to earn lower rates on the low mileage vehicles.
  • Senior Citizen Discount – Drivers that qualify as senior citizens could receive a slight reduction on a auto insurance quote for Optima coverage.
  • Good Driver Discount – Drivers without accidents can get discounts for up to 45% lower rates for Optima coverage than their less cautious counterparts.
  • Full Payment Discount – By paying your entire bill at once as opposed to paying monthly you could save up to 5%.
  • Driving Data Discount – Policyholders that allow data collection to track vehicle usage by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates as long as the data is positive.
  • Sign Early and Save – Some insurance companies give discounts for buying a policy before your current expiration date. It’s a savings of about 10%.
  • Paperwork-free – A few larger online companies will discount your bill up to fifty bucks just for signing your application on their website.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. A few only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like you can get free auto insurance, it’s just not the way it works.

Some companies that may offer quotes with these money-saving discounts include:

Before purchasing a policy, check with every company how many discounts you can get. Discounts may not be offered in your area. To see providers that offer some of these discounts, follow this link.

Do I need special coverages?

When it comes to buying the right insurance coverage, there really is not a best way to insure your cars. Every situation is different and your policy should reflect that. For instance, these questions might point out if your insurance needs would benefit from professional advice.

  • Does coverage extend to Mexico or Canada?
  • Does my liability insurance cover pulling a trailer or camper?
  • What can I do if my company denied a claim?
  • What should my uninsured motorist coverage limits be in my state?
  • How does medical payments coverage work?
  • Do I have any recourse if my insurance company denies a claim?
  • Why am I required to buy high-risk coverage?
  • How much liability insurance is required?
  • How many claims can I have before being cancelled?
  • Do I need to file an SR-22 for a DUI in my state?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Auto insurance coverage options for a Kia Optima

Knowing the specifics of auto insurance can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most auto insurance policies.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like rehabilitation expenses, pain medications and funeral costs. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from getting keyed, hail damage, fire damage, damage from a tornado or hurricane and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability

Liability coverage provides protection from damage that occurs to a person or their property by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like medical services, repair bills for other people’s vehicles, bail bonds and structural damage. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Be a money saver!

In this article, we covered a lot of techniques to lower your 2007 Kia Optima insurance rates. The key thing to remember is the more companies you get car insurance rates for, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from some of the lesser-known companies. Regional companies often have lower car insurance rates on specific markets as compared to the big name companies such as Allstate, Geico and Progressive.

When searching for affordable auto insurance quotes, it’s very important that you do not reduce coverage to reduce premium. In many instances, someone dropped full coverage only to discover later that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage for the lowest price, not the least amount of coverage.

To learn more, feel free to browse these articles: