Lower Your 2006 Kia Optima Car Insurance Rates

Trying to find better insurance coverage rates for your Kia Optima? Searching for better insurance prices for a new or used Kia Optima could be an all-consuming task, but you can use our insurance coverage buying tips to save time.

There is a better way to buy insurance coverage so we’re going to tell you the best way to get price quotes for your Kia and locate the best price possible from local insurance agents and online providers.

It’s a good habit to do price comparisons periodically since rates go up and down regularly. Just because you found the best deal on Optima insurance at your last renewal a different company probably has better prices today. There are lots of tips to save on insurance coverage on the internet, but in just a couple of minutes you can learn some solid techniques on how to put money back in your pocket.

You may qualify for discounts

Some companies don’t always list their entire list of discounts very clearly, so we researched both well-publicized as well as some of the hidden discounts that you may qualify for. If you do not check that you are getting every discount you deserve, it’s possible you qualify for a lower rate.

  • Payment Discounts – If you pay your bill all at once as opposed to paying monthly you may have a lower total premium amount.
  • Good Students Pay Less – Excelling in school can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Senior Discount – Drivers that qualify as senior citizens are able to get a slight reduction on a car insurance quote on Optima insurance.
  • Anti-theft System – Cars equipped with anti-theft or alarm systems help deter theft so companies will give you a small discount.
  • Onboard Data Collection – Insureds that choose to allow driving data collection to track vehicle usage remotely such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks as long as the data is positive.
  • Savings for New Vehicles – Insuring a vehicle that is new can be considerably cheaper since new vehicles are generally safer.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% on Optima insurance depending on your auto insurance provider.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • Organization Discounts – Belonging to qualifying clubs or civic groups could trigger savings on your next renewal.

Discounts save money, but please remember that many deductions do not apply the the whole policy. Most only cut specific coverage prices like physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, it just doesn’t work that way.

To view companies that provide some of the discounts listed above, click here.

There’s no such thing as the perfect auto insurance policy

When buying adequate coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions might help in determining whether you will benefit from professional help.

  • Are my tools covered if they get stolen from my vehicle?
  • When should I remove comp and collision on my 2006 Kia Optima?
  • Is my babysitter covered when using my vehicle?
  • Can I rate high risk drivers on liability-only vehicles?
  • Are rental cars covered under my policy?
  • Does liability extend to a camper or trailer?
  • At what point should I drop full coverage?
  • I have good health insurance, so how much medical payments coverage do I need?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Coverages available on your auto insurance policy

Learning about specific coverages of auto insurance can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage – This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2006 Kia Optima.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits are set the same as your liablity limits.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as colliding with another moving vehicle, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for bills like dental work, rehabilitation expenses and hospital visits. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as fire damage, a broken windshield, damage from flooding, hail damage and hitting a bird. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverages – This protects you from damages or injuries you inflict on a person or their property. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like loss of income, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Make an honest buck

We just covered a lot of tips how to reduce 2006 Kia Optima insurance premium rates online. It’s most important to understand that the more companies you get prices for, the higher your chance of finding inexpensive car insurance. Consumers may even find the best premium rates are with a company that doesn’t do a lot of advertising.

Cheaper insurance can be sourced from both online companies and from local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies don’t offer internet price quotes and many times these small, regional companies provide coverage only through local independent agents.

When searching for the cheapest car insurance quotes, don’t be tempted to buy poor coverage just to save money. There are a lot of situations where an insured cut comprehensive coverage or liability limits and learned later that their decision to reduce coverage ended up costing them more. The goal is to buy a smart amount of coverage at the best price, not the least amount of coverage.

Additional information is located at the links below