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Kia Optima Insurance Rates

Shopping for car insurance by quoting online is simple to do and there is a good chance you may find lower rates. The critical component is to compare rates from all companies so you can get the lowest priced insurance.

Comparing car insurance rates direct online can be a challenge if you have never used online rate quotes. But don't be discouraged because we're going to show you how. The are a couple different ways to get quotes and find the best price. The best method to find competitive Optima insurance cost consists of shopping online. This can be accomplished by completing this short form.

Insurance premiums on a Kia Optima will vary greatly subject to many criteria. Some of these factors include:

  • Traffic citations increase rates
  • Your credit history
  • Men typically pay more than women
  • Low deductibles cost more
  • Safety rating of your Optima
  • Your job
  • Insurance coverage level
  • Whether you own your home

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks cost less compared to new Kia models so the cost to replace them can decrease annual premiums. Although more recent Kia vehicles have more advanced features included like pedestrian detection, automatic crash notification, and tire pressure monitors so those may give discounted rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle below.

Liability coverages - Optima liability coverage will cover damage that occurs to people or other property by causing an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so buy as much as you can afford.

Collision coverage - Collision coverage will pay to fix damage to your Kia resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your Optima can be pricey, so consider removing coverage from lower value vehicles. It's also possible to increase the deductible in order to get cheaper Optima insurance rates.

Comprehensive coverages - This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Kia Optima Insurance Rates?