If price shopping insurance coverage quotes online is new to you, you can easily be confused thanks to the vast number of online insurance coverage companies and websites competing for your business.
It is always a good idea to shop coverage around once or twice a year because rates are constantly changing. If you had the best deal for Optima insurance six months ago the chances are good that you can find a lower price today. Forget anything you know (or think you know) about insurance coverage because it’s time to teach you one of the best ways to lower your annual insurance bill.
If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this information. Pricing the best coverage can be fairly easy. Nevertheless, vehicle owners need to learn how insurance companies price online insurance and use this information to your advantage.
When shopping for insurance there are multiple ways to obtain and compare prices from many different insurance companies. The easiest way by far to compare 2002 Kia Optima insurance prices involves getting comparison quotes online. It is quite easy and can be accomplished in a couple minutes as outlined below.
For a list of companies in your area, click here.
It’s your choice how you get your quotes, but be certain you are entering apples-to-apples coverages and limits on every quote. If you are comparing different values for each quote it will be nearly impossible to determine the lowest rate for your Kia Optima. Just slight variations in limits could throw off the whole comparison. And when quoting insurance, remember that comparing more company’s prices helps increase your odds of locating more affordable rates. Not every company allows you to get rate quotes online, so it’s recommended that you also compare rates from those companies as well.
Insurance can be prohibitively expensive, but there may be some discounts that can dramatically reduce your bill. Many discounts should be triggered at the time of quoting, but occassionally some discounts must be specially asked for prior to receiving the credit.
Remember that many deductions do not apply the the whole policy. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like you could get a free insurance coverage policy, companies don’t profit that way.
Popular insurance coverage companies and some of their more popular discounts can be found below.
Check with each insurance company how you can save money. Savings might not be offered on policies everywhere. To choose insurance companies that can offer you the previously mentioned discounts, click here to view.
When choosing adequate coverage for your vehicles, there is no perfect coverage plan. Every situation is different.
These are some specific questions might point out if your situation might need professional guidance.
If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form.
Learning about specific coverages of your insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.
Comprehensive protection
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.
Comprehensive can pay for things like theft, hitting a bird and hail damage. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Auto liability
This coverage will cover injuries or damage you cause to other people or property in an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.
Liability coverage pays for claims such as repair costs for stationary objects, emergency aid, medical services, structural damage and funeral expenses. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.
Medical expense coverage
Medical payments and Personal Injury Protection insurance pay for bills for things like EMT expenses, chiropractic care and dental work. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
Collision coverage protection
Collision insurance covers damage to your Optima from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for claims such as sustaining damage from a pot hole, crashing into a ditch, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.
Uninsured or underinsured coverage
Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Elida Ortega
This is too expensive. I’m in Green Bay, WI. Quoted with Safeco, Farmers, Allstate, and Amica for my 2002 Kia Optima and I’m now saving $21 a month. Was with Eastwood. Thankfully I’m not a high risk driver. I recommend comparing lots of rates. It’s only liability tho.
Hiroko Terrell
I live on the east side of Jacksonville, FL. Compared rates from a lot of places. Saved roughly $10 a month. State Farm was the cheapest option for me. Was with AIG Insurance. I get a discount for insuring multiple vehicles. God forbid I actually have a claim. Just liability coverage since it’s getting old.
Bambi Sloan
I got decent rates for a 2002 Kia Optima in Burlington, VT. Ended up at about $80 every six months with AAA. Hopefully won’t need it. I quoted rates online then called them.
Danielle Buck
I’m in Newark, NJ. Quoted a bunch of companies. Saved roughly $20 a month. GEICO was the most affordable for me. A clean driving record helps. Not sure about claim service.
Gilma Young
Nice post. From northwest of Los Angeles, CA. I got free prices from Mercury, Eastwood, GEICO, and American Family for my Kia and cut my rates about $70 a year. Left AAA to switch. I don’t insure for physical damage though.
Ayana Patel
What is Underinsured Motorist coverage?
Whitney Wolf
Lots of useful info here. I’m in the south part of Birmingham, AL. Can’t remember who all I quoted but I ended up saving about $20 each month. Insured with Erie before. :) I just carry liability insurance.
Tynisha Rios
Just my two cents. I live just to the east of Fairbanks, Alaska. Got free quotes online for a 2002 Kia Optima. Ended up at about $110 savings annually. Went with Progressive. Was with Esurance. Did it all online. I only have liability coverage on it.
Ty Newman
If you’re a decent driver and live near Rio Rancho, NM, check out State Farm. You might save some money. Was with AAA. I get multi-vehicle and multi-policy discounts. I’m thinking about dropping full coverage though.
Song Blake
Cheaper not always better. From south side of Columbus, GA. Got quotes from Progressive, AIG Insurance, and Encompass for my Optima and saved $63 a year. I have kids on my policy, too. Just liability coverage since it’s getting old.
Neta Baldwin
Corporate greed I’m telling you. Live in the eastern part of Charleston, West Virginia. Got car insurance prices from Liberty Mutual, AAA, Nationwide, and a couple others for my 2002 Kia Optima and saved just over $80 a year. Not sure if rates are cheaper online or not. It’s too old for full coverage.