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Kia Optima Insurance Rates

Comparing auto insurance on the web can be fast and easy and there is a good chance you may find lower rates. The most important part is getting rates from all companies in order to have the lowest prices.

If you've never shopped for auto insurance online, you can be overwhelmed by the hoards of companies selling insurance. Cutting your Optima insurance cost isn't really that difficult. Drivers just need to take a couple of minutes to compare quotes provided by online insurance companies. This can be done by comparing rates here.

Insurance premiums on a Kia Optima can be significantly different depending on several factors. Some of these factors include:

  • A clean driving record keeps rates low
  • Better credit means lower rates
  • Male drivers pay higher rates
  • Deductible amount directly impacts your rate
  • Safety rating of your Optima
  • Whether or not you have claims
  • No coverage lapses saves money
  • Whether you own your home

One important consideration that can impact your rates is the age of the vehicle. Newer models have a higher value compared to older Kia models so the cost to replace them may end up costing you more. Conversely, new Kia models have more advanced features such as pedestrian detection, active head restraints, and a backup camera that may help lower rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle below.

Liability car insurance - This coverage provides protection from damage that occurs to people or other property. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so buy as large an amount as possible.

Collision - This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your Optima can be pricey, so you might think about dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive auto insurance - This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The highest amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Coverage for medical expenses - Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.

How Much are Kia Optima Insurance Rates?