Save on 2018 Kia Optima Car Insurance Quotes

Looking for lower insurance rates for your Kia Optima? Are you kicking yourself for buying an overpriced insurance policy? Believe me, there are many drivers thinking the same thing.

Big companies like Allstate, Progressive and Geico continually hit you with fancy advertisements and consumers find it hard to see past the corporate glitz and find the best price available.

It’s smart to do price comparisons once or twice a year because prices are adjusted regularly by insurance companies. Even if you think you had the lowest price for Optima insurance two years ago you can probably find a better rate now. Forget anything you know (or think you know) about insurance because we’re going to demonstrate one of the quickest ways to reduce your cost while improving coverage.

How to compare free car insurance quotes

Effectively comparing car insurance prices can be challenging if you don’t know the most efficient way to do it. You could spend your day driving to insurance agencies in your area, or you can utilize online quoting to get rates in a matter of minutes.

Most car insurance companies participate in an industry program where prospective buyers only type in their quote data once, and each company then gives them pricing. This saves time by eliminating repetitive form submissions to each company. To compare rates using this form now click here (opens in new window).

The one disadvantage to using this type of form is you don’t know exactly which insurance companies you will receive quotes from. If you wish to select specific providers to compare rates, we have a page of car insurance companies in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just make sure you are using the same coverage limits and deductibles on every quote. If you have different limits and deductibles on each one you can’t possibly make a fair comparison for your Kia Optima. Slightly different coverages could throw off the whole comparison. Keep in mind that making a lot of price comparisons gives you a better chance of getting the best price. Not every company allows you to get rate quotes online, so you also need to get rates from them, too.

Discounts can really help lower premiums

Companies offering auto insurance don’t always publicize all possible discounts very well, so below is a list some of the more common and the more hidden ways to save on car insurance. If you do not check that you are getting every discount you qualify for, you could be paying more than you need to.

Driver’s Ed – It’s a good idea to have your young drivers take driver’s ed class in high school.
Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents so you can save 10 percent or more.
New Vehicle Savings – Adding a new car to your policy can be considerably cheaper since newer models are generally safer.
Claim-Free Discount – Insureds with no claims or accidents get the best car insurance rates as compared to drivers who are more careless.
Defensive Driver – Passing a class that teaches defensive driver techniques may get you a small discount if your company offers it.
Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts of 20 to 30 percent.
Discount for Life Insurance – Larger insurance carriers have better prices if you take out auto and life insurance together.
Paper-free Discount – Certain car insurance companies will discount your bill up to fifty bucks for signing up online.
Distant Student – Older children who are attending college and do not have access to a covered vehicle may qualify for this discount.
Onboard Data Collection – People who choose to allow driving data submission to track when and where they use their vehicle by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if they exhibit good driving behavior.

As a footnote on discounts, most discounts do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, that’s just not realistic. Any qualifying discounts will cut your overall premium however.

Some companies that may include most of these discounts include:

When quoting, ask every prospective company to give you their best rates. Some credits may not apply to policies in your state. To see car insurance companies who offer online car insurance quotes, click here.

Will just any policy work for me?

When it comes to buying the best auto insurance coverage, there is no perfect coverage plan. Every situation is different so your insurance should reflect that For instance, these questions might point out whether your personal situation would benefit from an agent’s advice.

Do I need motorclub coverage?
When would I need additional glass coverage?
When should I remove comp and collision on my 2018 Kia Optima?
How much liability do I need to cover my assets?
Where can I get insurance after a DUI in my state?
Does having multiple vehicles earn me a discount?
Where can I find high-risk insurance?
Does my insurance cover a custom paint job?
Do I have coverage if my license is suspended?
Should I buy more coverage than the required minimum liability coverage?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Information about specific coverages

Having a good grasp of insurance can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverages found on the average insurance policy.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for short-term medical expenses for things like hospital visits, nursing services, funeral costs, chiropractic care and ambulance fees. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverage

Liability coverage can cover damage that occurs to a person or their property. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as medical services, repair costs for stationary objects and structural damage. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Collision coverage

This coverage covers damage to your Optima resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as backing into a parked car, colliding with another moving vehicle and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a deer, rock chips in glass, a broken windshield and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.