Compare 2007 Kia Optima Car Insurance Quotes

Comparing and finding cheaper premium rates for Driversauto insurance may be slightly frustrating for beginners to online comparison shopping. Drivers have so many companies to choose from that it can quickly become a real challenge to find more affordable prices.

You should make it a habit to do price comparisons at least once a year because prices are constantly changing. Even if you think you had the best rates on Optima coverage at your last renewal you will most likely find a better rate quote today. Forget anything you know (or think you know) about auto insurance because you’re about to find out one of the easiest ways to properly buy coverages while reducing your premium.

Finding affordable coverage is not that difficult. Basically, every vehicle owner who shops for auto insurance will most likely be able to find lower rates. But vehicle owners do need to understand how big insurance companies sell online and take advantage of how the system works.

How much is insurance?

Performing a rate comparison can be challenging if you don’t know the easiest way. You could waste a few hours discussing policy coverages with insurance companies in your area, or you can utilize online quotes to quickly compare rates.

Many insurance companies belong to a marketplace that enables customers to complete one form, and each company then returns a price quote determined by their information. This system prevents you from having to do form submissions to each individual insurance company.

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

The only drawback to getting quotes like this is you are unable to specify which insurance companies to receive prices from. So if you want to choose from a list of companies to compare rates, we put together a list of low cost insurance companies in your area. Click to view list.

However you get your quotes, compare the exact same deductibles and coverage limits for each comparison quote. If you are comparing different limits and deductibles on each one it will be nearly impossible to make a fair rate comparison. Just a small difference in coverage limits can mean a large discrepancy in price. Just remember that quoting more helps you find better pricing. Not every company allows you to get online quotes, so it’s important to compare prices from them as well.

When do I need an agent’s advice?

When buying the best insurance coverage coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions may help highlight whether your personal situation might need professional guidance.

  • Do I need replacement cost coverage?
  • How much liability coverage do I need in my state?
  • Can I afford low physical damage deductibles?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • At what point should I drop full coverage?
  • Do I need an umbrella policy?
  • Do I pay less if my vehicle is kept in my garage?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Insurance coverages and their meanings

Understanding the coverages of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as ambulance fees, dental work and funeral costs. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision insurance

This coverage will pay to fix damage to your Optima from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like sideswiping another vehicle, hitting a mailbox, crashing into a ditch, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive insurance

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, falling objects, a broken windshield, rock chips in glass and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your 2007 Kia Optima.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Liability coverages

Liability coverage protects you from injuries or damage you cause to people or other property in an accident. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as attorney fees, pain and suffering and court costs. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.