View 2017 Kia Optima Plug-In Hybrid Insurance Quotes

Searching for the cheapest auto insurance rates for your Kia Optima Plug-In Hybrid? Locating the cheapest insurance for a new or used Kia Optima Plug-In Hybrid can be a lot of work, but you can learn these tips to save time. There are both good and bad ways to compare auto insurance rates so you’re going to learn the best way to price shop coverage for a Kia and locate the cheapest rates either online or from local insurance agents.

If you are insured now or need a new policy, you can follow these tips to find the best rates and still get good coverage. Finding the best insurance is easy if you know what you’re doing. Consumers just need to know the best way to compare company rates online.

Smart consumers can save money

Part of the insurance coverage buying process is learning the factors that aid in calculating your insurance coverage rates. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make good choices that could help you find cheaper rates. Many factors are considered when you get a price on insurance. A few of the factors are predictable like an MVR report, but others are more transparent like your continuous coverage or your vehicle rating.

  • Better drivers pay less – Being a careful driver can have a huge impact on auto insurance premiums. Having a single moving violation may increase your cost by twenty percent. Careful drivers get better rates than bad drivers. Drivers who have received multiple violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state’s department of motor vehicles in order to prevent a license revocation.
  • With age comes lower premiums – Young drivers are known to be inattentive and easily distracted behind the wheel so insurance coverage rates are higher. Older people are shown to be more cautious, tend to cause fewer accidents , and usually have better credit.
  • Safety ratings are a factor – Vehicles with good safety scores get lower rates. Vehicles built for safety result in less severe injuries and lower rates of occupant injuries means less claims paid and thus lower rates. If the Kia Optima Plug-In Hybrid scored at minimum four stars on Safercar.gov you may be receiving a better rate.
  • The more you drive the more you pay – The more miles you rack up on your Kia every year the more you’ll pay to insure it. Most companies rate vehicles based upon how you use the vehicle. Cars and trucks that sit idle most of the time receive better premium rates than vehicles that have high annual mileage. Verify your policy reflects how each vehicle is driven. A policy that improperly rates your Optima Plug-In Hybrid may be wasting your money.
  • Women tend to take less risk – Over the last 30 years, statistics show that men are more aggressive behind the wheel. However, this does not mean females are better at driving than males. Both genders cause auto accidents in similar percentages, but the male of the species tend to have higher claims. They also get cited for more serious violations like reckless driving and DUI. Male teenagers are several times more likely to be in an accident and are penalized with high insurance coverage rates.
  • How much liability coverage – Your policy’s liability coverage provides coverage in the event that you are determined to be liable for physical damage or personal injury to other. Liability provides legal defense up to the limits shown on your policy. It is affordable coverage compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Big cities mean more claims – Living in a rural area is a good thing when shopping for auto insurance. Residents of big cities have to deal with more aggressive driving styles and longer commutes to work. Less people living in that area translates into fewer accident claims and lower theft and vandalism rates.

Which auto insurance is cheapest?

Lowering your 2017 Kia Optima Plug-In Hybrid auto insurance rates is actually easier than you may think. The only thing you need to do is invest a few minutes to get quotes from some recommended companies. Shoppers can get rates in a couple of different ways.

  1. The most recommended method to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This form eliminates the need for separate quotes to each individual auto insurance company. Just one form gets you price quotes from all major companies.It’s the quickest way to get rates.
  2. A harder way to find more affordable insurance is to take the time to go to the website for every company you want to comare and request a quote. For instance, let’s assume you want rates from Liberty Mutual, Farmers and Progressive. To get each rate you have to navigate to each company’s site and enter your policy data, which can be really labor intensive.

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

  3. The least efficient and most time consuming way to price shop rates is making phone calls or going to all the different insurance agencies. Quoting and buying insurance online reduces the need to sit down with an agent unless you’re the type of person who wants the professional advice that can only be provided by a licensed insurance agent. It is possible with some companies get the lowest quotes online but purchase the actual policy in an agency.

Compare rates however you want, just make sure you compare the exact same coverages and limits on every price quote you get. If you are comparing different limits and deductibles on each one you will not be able to make a fair comparison for your Kia Optima Plug-In Hybrid.

Cheaper rates with these discounts

Some insurers don’t necessarily list every possible discount in a way that’s easy to find, so the following list contains some of the best known and also the lesser-known credits that you can use to lower your rates.

  • Driving Data Discount – Insureds that choose to allow their insurance company to analyze where and when they drive by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction as long as they are good drivers.
  • Discounts for Federal Employees – Active or retired federal employment may reduce rates when you quote insurance coverage for Optima Plug-In Hybrid coverage depending on your insurance coverage provider.
  • Paperwork-free – A handful of companies will give you a small discount shop insurance coverage on the internet.
  • Multi-line Discount – Larger companies have better rates if you take out life insurance.
  • First Accident Forgiveness – This one is not really a discount per se, but some companies like State Farm, Progressive and Geico permit an accident without the usual rate increase if your claims history is clear prior to being involved in the accident.
  • Switch and Save Discount – Some insurance coverage companies provide a discount for buying a new policy before your current policy expires. You may see this discount when you get insurance coverage quotes online.
  • Seat Belt Usage – Requiring all passengers to buckle up can save up to 10 percent (depending on the company) off the medical payments premium.
  • Own a Home and Save – Owning a house can help you save on insurance coverage since owning and maintaining a home is proof of financial responsibility.

Don’t be surprised that some credits don’t apply to the entire cost. Some only reduce the price of certain insurance coverages like medical payments or collision. Even though it appears having all the discounts means you get insurance for free, you won’t be that lucky.

Large insurance coverage companies and a selection of discounts are:

  • Geico discounts include good student, anti-lock brakes, five-year accident-free, emergency military deployment, daytime running lights, and anti-theft.
  • USAA may offer discounts for family discount, safe driver, new vehicle, vehicle storage, driver training, and multi-policy.
  • Progressive may include discounts for continuous coverage, online signing, good student, multi-vehicle, online quote discount, and multi-policy.
  • American Family offers discounts for accident-free, multi-vehicle, Steer into Savings, defensive driver, early bird, TimeAway discount, and air bags.
  • Esurance has savings for multi-car, multi-policy, online shopper, DriveSense, Switch & Save, and Pac-12 alumni.
  • Farmers Insurance has discounts for good student, homeowner, distant student, multi-car, and teen driver.
  • State Farm policyholders can earn discounts including safe vehicle, passive restraint, student away at school, driver’s education, defensive driving training, Drive Safe & Save, and accident-free.

When getting a coverage quote, ask all companies you are considering how you can save money. Some discounts listed above might not be offered in your area. If you would like to choose from a list of providers who offer free insurance coverage quotes, click here.

Auto insurance can be complex

When choosing adequate coverage, there isn’t really a one size fits all plan. Every insured’s situation is different.

For instance, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • Is my cargo covered for damage or theft?
  • Am I covered when driving someone else’s vehicle?
  • When should I remove comp and collision on my 2017 Kia Optima Plug-In Hybrid?
  • How much liability insurance is required?
  • Do I pay less if my vehicle is kept in my garage?
  • What if I don’t agree with a claim settlement offer?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

Information about specific coverages

Learning about specific coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for expenses like doctor visits, chiropractic care and EMT expenses. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Kia Optima Plug-In Hybrid.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverages – This pays for damage to your Optima Plug-In Hybrid caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a mailbox, sustaining damage from a pot hole, driving through your garage door and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, a broken windshield, falling objects and fire damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance – This can cover damage or injury you incur to other’s property or people. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like pain and suffering, medical expenses, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Take this to the bank

The cheapest 2017 Kia Optima Plug-In Hybrid insurance can be found on the web and from local insurance agents, so you need to quote insurance coverage with both to have the best selection. There are still a few companies who don’t offer online rate quotes and many times these smaller providers provide coverage only through independent agents.

When trying to cut insurance costs, it’s a bad idea to skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to get the best coverage possible for the lowest cost, but do not sacrifice coverage to save money.

Insureds change insurance companies for a variety of reasons including unfair underwriting practices, high rates after DUI convictions, extreme rates for teen drivers and even denial of a claim. Regardless of your reason for switching companies, switching car insurance companies can be pretty painless.

Other resources