2011 Kia Optima Insurance Rates

If shopping for insurance coverage quotes online is new to you, it’s easy to get confused by the crazy number of companies who all claim to have the lowest rates.

You should take the time to check car insurance prices periodically since insurance rates fluctuate regularly. Just because you had the best premium rates for Optima insurance six months ago you will most likely find a better price today. There are lots of tips to save on car insurance on the internet, but I’m going to show you some solid techniques on how to reduce your car insurance bill.

Where can I get affordable car insurance?

All the larger car insurance companies such as Progressive, GEICO, Allstate and State Farm allow consumers to get prices on the web. Comparing prices online is pretty painless as all you need to do is type in the amount of coverage you want into the quote form. Upon sending the form, the quote system orders your driving and credit reports and returns a price quote based on the information you submitted.

This streamlines rate comparisons, but having to visit many different websites and type in the same data is a big time waster. But it’s absolutely necessary to do this if you are searching for the lowest price.

Online rates the easy way

The preferred way to find lower prices is to use a quote form that gets prices from several companies at one time. The form is fast, requires much less work on your part, and makes quoting online much simpler. After sending the form, your coverage is rated with multiple companies and you can pick any or none of the quotes returned. If you find a better price you can click and sign and purchase coverage. The whole process only takes a few minutes and you will know how your current rates stack up.

To compare pricing, simply click here to open in new window and input your coverage information. To compare your current rates, we recommend that you enter the insurance coverages as shown on your current policy. Doing this guarantees you’re receiving a rate comparison using the exact same coverages.

How to know if you need help

When it comes to buying the best car insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that may help you determine whether you might need an agent’s assistance.

  • What can I do if my company denied a claim?
  • Are my friends covered when driving my 2011 Kia Optima?
  • Can I rent a car in Mexico?
  • Is my camper covered by my car insurance policy?
  • Are rental cars covered under my policy?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is my trailer covered?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, complete this form.

Insurance coverages 101

Having a good grasp of insurance can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills such as EMT expenses, rehabilitation expenses and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Liability car insurance

Liability coverage provides protection from damage or injury you incur to other’s property or people in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against things such as structural damage, legal defense fees and funeral expenses. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM 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 Kia Optima.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as falling objects, damage from flooding, theft, hail damage and hitting a bird. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision insurance

Collision insurance will pay to fix damage to your Optima resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as driving through your garage door, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.