Kia Optima Hybrid Insurance Rates

Shopping for auto insurance online is easy and there is a good chance you might just save a little. The key is getting as many rate quotes as possible in order to accurately compare the lowest rate quotes.

Consumers not familiar with shopping for insurance may think shopping for cheap Optima Hybrid insurance is very challenging. Lowering your Optima Hybrid insurance rates is not rocket science. You just need to take a few minutes to get quotes from different insurance companies. This is very easy and can be done by getting a quick quote here.

Auto insurance rates for a Kia Optima Hybrid can be significantly different based upon several criteria. Some of these factors include:

Your driving record
Better credit means lower rates
Male drivers pay higher rates
The deductible you choose
Safety rating of your Optima Hybrid
Claims drive up premiums
Maintaining coverage lowers rates
Whether you own your home

A final factor that will help determine Optima Hybrid insurance cost is the model year. Models that are new have a higher replacement value in comparison to later models so repair costs are higher which may end up costing you more. But new Kia models may have a trim level with safety features including pedestrian detection, dual-stage airbags, and blind-spot warning system that may help help offset higher rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle below.

Liability coverage

Liability insurance provides protection from damage that occurs to other people or property by causing an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder. Optima Hybrid collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your Kia Optima Hybrid comprehensive insurance. The highest amount you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP is not universally available and may carry a deductible.

How Much are Kia Optima Hybrid Insurance Rates?

Kia Optima Hybrid Insurance Cost

Compare Kia Optima Hybrid insurance rates