2004 Kia Optima Car Insurance Rates

Trying to find lower car insurance rates for your Kia Optima? When searching for lower-cost insurance, do you get overwhelmed by the crazy number of car insurance choices in your area? Drivers have such a vast assortment of choices available that it can be a real hassle to lower your premium rates.

Discounts to earn affordable auto insurance rates

Some companies don’t necessarily list every policy discount very well, so the following list contains a few of the more common and the more hidden credits that you can use to lower your rates.

  • Discount for Swiching Early – A few auto insurance companies offer discounts for buying a policy early. Ten percent is about the average savings.
  • Data Collection Discounts – Policyholders that allow driving data submission to track vehicle usage remotely such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates as long as they are good drivers.
  • ABS and Traction Control Discounts – Cars equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Driver Education Discount – It’s a good idea to have your young drivers sucessfully take a drivers education course as it can save substantially.
  • Active Service Discounts – Being on active duty in the military may qualify for rate reductions.

A little note about advertised discounts, most credits do not apply the the whole policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, companies don’t profit that way.

Auto insurance companies that may include some of the above discounts include:

When getting free insurance quotes, it’s a good idea to all the companies which discounts you qualify for. Some of the earlier mentioned discounts might not be offered in your area. If you would like to choose from a list of insurance companies that provide some of the discounts listed above, click here.

Quote insurance online

Shopping for lower insurance rates can take time and effort if you don’t utilize the easiest way. You can spend your afternoon driving to agents in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

Most of the best insurance companies belong to a marketplace that allows shoppers to complete one form, and at least one company returns a competitive quote. This prevents consumers from doing quote requests to every company.

To compare rates using this form now click to open in new window.

The one downside to using this type of form is you don’t know exactly which companies you want pricing from. So if you want to select specific insurance companies to request quotes from, we have a page of companies who write insurance in your area. Click here to view list.

It’s up to you how you get prices quotes, just do your best to enter apples-to-apples coverage data with each company. If you have mixed coverages it’s impossible to get a fair rate comparison. Slightly different insurance coverages or limits could throw off the whole comparison. And when quoting insurance, remember that comparing all the rates in your area helps increase your odds of locating more affordable rates. Not every company allows you to get quotes online, so it’s important to compare quotes on coverage from those companies, too.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage, there is no “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions might point out whether you might need an agent’s assistance.

  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered if I break a side mirror?
  • Why is insurance for a teen driver so high?
  • Do I have newly-aquired coverage?
  • Will filing a claim cost me more?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is my trailer covered?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Detailed coverages of your insurance policy

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Liability coverages – Liability coverage protects you from damage that occurs to people or other property. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things like court costs, loss of income and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Collision coverage – Collision coverage will pay to fix damage to your Optima caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as scraping a guard rail, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive coverages – This coverage 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 comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, damage from flooding, damage from getting keyed, hitting a deer and rock chips in glass. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage – This gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like doctor visits, surgery, X-ray expenses and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Saving money is sweet as honey

Insureds who switch companies do it for many reasons like policy cancellation, delays in paying claims, not issuing a premium refund or even high rates after DUI convictions. Whatever your reason, finding the right insurance provider is not as hard as you think.

As you restructure your insurance plan, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where consumers will sacrifice liability limits or collision coverage and discovered at claim time that the savings was not a smart move. Your goal should be to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.

Some insurance companies may not provide internet price quotes and most of the time these regional insurance providers only sell through independent insurance agents. Lower-priced insurance is possible both online and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money.

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