2009 Kia Optima Car Insurance Rates – 9 Ideas for Cheaper Quotes

Searching for the cheapest car insurance rates for your Kia Optima? Are you irritated from scraping the payment together to make your car insurance payment? You are no different than the majority of other drivers.

Because there are so many insurance companies to choose from, it can be diffult for people to choose the most cost effective car insurance provider.

Cheap insurance rates with discounts

Insurance can be pricey, but you might already qualify for some discounts that you may not know about. Many discounts should be triggered when you purchase, but a few must be asked about before being credited.

  • Discounts for Cautious Drivers – Insureds who avoid accidents can save as much as half off their rates for Optima insurance than drivers with accident claims.
  • Multi-Vehicle Discounts – Buying coverage for primary and secondary vehicles on one policy may reduce the rate for each vehicle.
  • One Accident Forgiven – This one isn’t a discount, but some companies like Allstate, Progressive, and Geico will let one accident slide without getting socked with a rate hike if you have no claims for a specific time period.
  • Accident Free – Good drivers with no accidents pay less as compared to frequent claim filers.
  • Theft Deterent – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
  • Life Insurance – If the company offers life insurance, you could get lower insurancerates if you buy a life policy as well.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could save 15% off the medical payments premium.
  • New Car Discount – Buying a new car model can save you some money because new vehicles are generally safer.
  • Defensive Driver – Passing a class that teaches defensive driver techniques could possibly earn you a 5% discount and easily pay for the cost of the class.

As a sidenote, most credits do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, insurance companies aren’t that generous.

A few companies who might offer these benefits include:

When comparing rates, check with all companies you are considering which discounts you qualify for. Discounts might not be available to policyholders in every state. To see insurance companies who offer online insurance quotes, follow this link.

Tailor your auto insurance coverage to you

When buying adequate coverage for your personal vehicles, there is no cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. For example, these questions could help you determine whether you might need an agent’s assistance.

  • Does insurance cover damages from a DUI accident?
  • What can I do if my company denied a claim?
  • Exactly who is provided coverage by my policy?
  • Am I covered when pulling a rental trailer?
  • Does my car insurance cover rental cars?
  • I have health insurance so do I need medical payments coverage?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I covered when delivering products for my home-based business?
  • Does car insurance cover theft of personal property?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Coverages available on your policy

Knowing the specifics of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages available from insurance companies.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection 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.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as vandalism, rock chips in glass and a broken windshield. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage pay for short-term medical expenses for things like hospital visits, surgery, chiropractic care, prosthetic devices and EMT expenses. They are often utilized in addition to your health insurance policy 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 an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage will pay to fix damage to your Optima from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a ditch, damaging your car on a curb, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Liability coverages

Liability insurance protects you from injuries or damage you cause to people or other property in an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as pain and suffering, medical expenses, medical services and loss of income. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

More quotes. Lower rates.

We just presented a lot of tips how to compare 2009 Kia Optima insurance rates online. It’s most important to understand that the more you quote insurance, the more likely it is that you will get a better rate. You may even discover the best rates are with the least-expected company. Regional companies can often provide lower car insurance rates in certain areas than the large multi-state companies such as Allstate and Progressive.

When shopping online for insurance, do not reduce needed coverages to save money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage for the lowest cost.

Even more information is available at these sites: