Save on 2013 Kia Optima Car Insurance Rates

Want cheaper insurance rates for your Kia Optima? Car owners who are new to the process of price shopping car insurance online will find locating cheaper auto insurance is tougher than they thought.

Where can I get affordable car insurance?

Most of the larger companies allow you to get insurance quotes on their websites. Doing online quotes is pretty painless as you simply enter your required coverages into the quote form. After you submit the form the quote system collects your driving and credit reports and generates a price determined by many factors.

Online price quotes streamlines rate comparisons, but having to visit many different websites and type in the same information is monotonous and tiresome. But it is imperative to do this in order to get a better rate.

The better way to compare rates

The easiest way to find cheaper rates requires only one form to get prices from several different companies. It’s a real time-saver, helps eliminate reptitive entry, and makes quoting online much more efficient. Immediately after submitting the form, it is rated with multiple companies and you can pick any one of the quote results.

If you find a better price you can click and sign and buy the new coverage. This process just takes a couple of minutes and could lower your rates considerably.

To use this form to compare rates, simply click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you enter the coverages exactly as shown on your declarations page. This guarantees you will have comparison quotes based on the exact same insurance coverage.

Take advantage of every insurance coverage discount

Some insurance providers do not list every policy discount in an easy-to-find place, so the next list breaks down a few of the more well known and the more hidden savings tricks you should be using when you buy auto insurance online. If you don’t get every credit available, you’re paying more than you need to.

  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase some life insurance in addition to your auto policy.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have several vehicles on a single policy can reduce rates for all insured vehicles.
  • Low Mileage Discounts – Low mileage vehicles could qualify for better prices on cars that stay parked.
  • Discount for Good Grades – A discount for being a good student may save you up to 25%. This discount can apply up to age 25.
  • Telematics Data Discounts – Policyholders that allow data collection to track their driving habits by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates as long as the data is positive.
  • Distant Student – Older children who are attending college and leave their car at home may be insured at a cheaper rate.

As a sidenote, most discount credits are not given to the entire cost. The majority will only reduce individual premiums such as liability, collision or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, companies don’t profit that way.

To locate companies with significant discounts, click here.

How to know if you need help

When buying adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out whether or not you would benefit from professional advice.

  • Where can I find high-risk insurance?
  • How much underlying liability do I need for an umbrella policy?
  • Am I insured when driving a different vehicle?
  • Is my babysitter covered when using my vehicle?
  • What vehicles should carry emergency assistance coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I bundle my homeowners policy with my auto?
  • How can I force my company to pay a claim?
  • Is my Kia Optima covered if I use it for business?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form.

Insurance coverage specifics

Having a good grasp of your insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Liability coverages

Liability coverage will cover damage that occurs to other people or property. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like pain and suffering, attorney fees, medical expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Collision insurance

This coverage pays for damage to your Optima from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with another moving vehicle, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like falling objects, damage from a tornado or hurricane, theft, rock chips in glass and a broken windshield. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for chiropractic care, rehabilitation expenses, nursing services and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits are similar to your liability insurance amounts.