Locating better insurance prices for your Kia Optima can turn out to be difficult, but you can learn the following methods and make it easy. There are more efficient ways to find car insurance online so you’re going to learn the quickest way to get price quotes on a Kia and find the lowest price from both online companies and local agents.
The method we recommend to compare insurance rates in your area takes advantage of the fact all the major auto insurance companies pay for the opportunity to compare their rates. To start a quote, the only thing you need to do is provide a small amount of information such as your general credit rating, how many miles driven, if it has an anti-theft system, and how old drivers are. The data is instantly provided to multiple different insurance companies and you will receive price estimates immediately.
Some insurers don’t always publicize all disounts very well, so the below list has some of the best known and the harder-to-find credits available to you. If you do not check that you are getting every discount possible, you are throwing money away.
While discounts sound great, it’s important to understand that some credits don’t apply to the entire cost. Most only cut the cost of specific coverages such as comprehensive or collision. Even though the math looks like it’s possible to get free car insurance, that’s just not realistic.
Companies that possibly offer many of the previously listed discounts include:
When getting a coverage quote, ask each company or agent which discounts you may be entitled to. Depending on the company, some discounts may not be available everywhere.
When it comes to choosing coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different.
These are some specific questions might point out if you might need an agent’s assistance.
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.
Many factors are considered when pricing auto insurance. Some of the criteria are obvious such as your driving record, although others are more obscure like your vehicle usage or how financially stable you are.The best way to find cheaper car insurance is to take a look at the different types of things that are used to determine your car insurance rates. When consumers understand what determines premiums, this enables you to make decisions that may result in lower premium levels.
The following are some of the most rate-impacting factors used by your company to calculate your rates.
Knowing the specifics of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage pay for expenses for pain medications, chiropractic care, ambulance fees, X-ray expenses and funeral costs. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Collision coverage protection
This coverage covers damage to your Optima resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like crashing into a building, damaging your car on a curb, colliding with a tree, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of 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 important protection for you and your family.
Liability coverage
Liability coverage will cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage protects against claims like emergency aid, medical expenses, court costs and structural damage. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.
Comprehensive insurance
This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims like rock chips in glass, fire damage and damage from flooding. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Consumers leave their current company for a variety of reasons including lack of trust in their agent, policy cancellation, questionable increases in premium or an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a new company can be easier than you think.
When you buy auto insurance online, it’s not a good idea to reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced full coverage only to regret at claim time that they should have had better coverage. Your objective should be to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.
Cheaper 2001 Kia Optima insurance is possible from both online companies and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers may not have online rate quotes and these smaller companies work with local independent agents.
More detailed insurance coverage information is available by following these links:
Carl Patterson
Is GEICO or State Farm cheaper in Rochester, Minnesota?
Joe Reyes
Just a quick comment on my experience. I live just outside Sioux Falls, South Dakota. Went online for free insurance quotes for a 2001 Kia Optima. Ended up at about $100 savings annually. Went with Progressive. Insured with Erie before. My new agent seems to be really good. Hardly afford to drive anymore.
Margy Roberts
Great info, thanks for posting. Quoted with GEICO for my 2001 Kia Optima and saved about $110 a year. Insured with Mercury before.
Arnulfo Hughes
I got a good deal I think. Live in Springfield, Massachusetts. I compared lots of rates. Saved right around $20 a month. Progressive was the cheapest for me.
Janett Goodwin
Like your site, BTW. I’m in the south part of Tampa, FL. Quoted with Travelers, American Family, Hartford, and Mercury for my 2001 Kia Optima and saved just over $60 a year. I’m thinking about dropping full coverage though.
Will Payne
21st Century is decent in Springfield, MO.
Rufina Davenport
I live in a small town just outside of Mobile, AL. Quoted prices from Allstate, Auto-Owners, and some I forget for my Kia and saved $71 a year. Teenage drivers are expensive!
Austin Barrett
In Chicago, IL, GEICO is a good choice. Was with Hartford. Teenage drivers are expensive! They offer free online rate quotes.
Joanne Fuentes
Got a quote with Travelers for my 2001 Kia Optima and am saving around $60 a year. My new agent seems to be really good. I used their online quote form to compare rates. Just liability coverage since it’s getting old.
Tomasa Rush
If you have a clean record and are close to Bismarck, North Dakota, check out Allstate. You might save some money. Left Travelers to switch. Did it all online.
Phil Gray
Does GEICO have low rates for teen drivers?
Charley Rose
I got decent rates for a 2001 Kia Optima in Augusta, GA. Ended up at darn near $110 every six months with AAA. Just liability coverage since it’s getting old.
Lorie Gaines
I found pretty cheap rate quotes for a 2001 Kia Optima in Phoenix, AZ. Ended up at about $110 every six months with American Family. Insured with Esurance before. Liability only on my Optima.
Ouida Howell
I’m looking for cheaper coverage. Checking in from Cincinnati, Ohio. Got car insurance prices from American Family, Sentry, and Western Auto Insurance for my Optima and saved $77 a year. Left Amica to switch. It’s easy to compare rates online now.
Rick Bender
Lots of useful info here. I’m in the suburbs of Shreveport, LA. Can’t remember who all I quoted but I ended up saving about $30 each month. Have an at-fault accident tho. Next renewal I’ll just do liability.
Magdalen French
Cheap is relative. From north side of Saint Louis, MO. Can’t remember who all I quoted but I ended up saving about $20 each month. Was with State Farm. I dropped full coverage awhile back.