2009 Kia Optima Insurance Quotes – 6 Ideas for Cheaper Rates

Looking for the cheapest insurance coverage rates for your Kia Optima? Do you get exhausted from robbing Peter to pay Paul to buy insurance coverage? You are no different than many other drivers.

Companies like Progressive, Geico and Farmers Insurance constantly bombard you with fancy advertisements and it can be hard to see past the corporate glitz and effectively compare rates to find the best deal.

It’s a great practice to compare rates quite often because insurance coverage prices are variable and change quite frequently. Just because you had the lowest price on Optima insurance last year a different company probably has better rate quotes today. Forget all the misinformation about insurance coverage because you’re about to learn the fastest way to buy cheaper insurance coverage.

If you currently have car insurance, you will be able to lower your premiums substantially using these tips. Buying car insurance is easy if you know what you’re doing. Nevertheless, drivers do need to understand the way insurance companies sell online.

Auto insurance discounts help lower rates

Insuring your fleet can be pricey, but there’s a good chance there are discounts to help bring down the price. Many discounts should be triggered at the time you complete a quote, but occassionally some discounts must be specifically requested before you will receive the discount.

• Low Mileage – Driving less could earn better prices on cars that stay parked.
• Distant College Student Discount – College-age children living away from home attending college and don’t have a car could qualify for this discount.
• Discounts for New Vehicles – Buying insurance on a new vehicle may earn a small discount since new model year vehicles are generally safer.
• No Claim Discounts – Claim-free drivers get the best auto insurance rates as opposed to frequent claim filers.
• Multi-car Discount – Buying a policy with multiple vehicles with the same company can reduce rates for all insured vehicles.
• Early Payment Discounts – If you pay your bill all at once instead of paying each month you may have a lower total premium amount.

One last thing about discounts, many deductions do not apply the the whole policy. Most only apply to individual premiums such as collision or personal injury protection. Despite the appearance that you could get a free auto insurance policy, nobody gets a free ride.

Large auto insurance companies and their offered discounts include:

• Geico policyholders can earn discounts including daytime running lights, driver training, emergency military deployment, multi-vehicle, good student, and anti-lock brakes.
• MetLife offers discounts including claim-free, good driver, accident-free, defensive driver, good student, and multi-policy.
• State Farm discounts include multiple policy, multiple autos, driver’s education, defensive driving training, and student away at school.
• Progressive may include discounts for homeowner, continuous coverage, multi-vehicle, multi-policy, online signing, good student, and online quote discount.
• Mercury Insurance may offer discounts for multi-policy, good student, good driver, anti-theft, low natural disaster claims, multi-car, and age of vehicle.
• 21st Century offers premium reductions for 55 and older, homeowners, early bird, teen driver, automatic seat belts, driver training, and theft prevention.
• Allstate offers discounts for safe driver, resident student, EZ pay plan discount, anti-lock brakes, and multi-policy.

Check with each company or agent which credits you are entitled to. A few discounts may not be offered in your state.

Save $426 a year. For real?

Respected companies like Allstate, Geico and Progressive constantly bombard you with ads in print and on television. All the companies say the same thing of big savings if you move your coverage. How is it plausible that every one can charge less that you’re paying now? This is the way they can do it.

Companies give the cheapest rates for a prospective insured that will be a good risk. For instance, a driver they prefer may be over the age of 50, has a clear driving record, and chooses high deductibles. Anyone that hits that “sweet spot” will probably get the lowest rates and therefore will cut their rates substantially.

People who do not fit this stringent profile must pay a more expensive rate with the end result being the prospect going elsewhere. If you pay close attention to the ads, they say “people that switch” but not “everyone who gets a quote” save that much money. This is how insurance companies can confidently state the savings. This really illustrates why you need to compare many company’s rates. Because you never know which company will give you lower prices than your current company.

Which is the best insurance?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions might help in determining whether or not you might need an agent’s assistance.

• Is rental equipment covered for theft or damage?
• Does car insurance cover theft of personal property?
• Is business equipment covered while in my vehicle?
• How can I force my company to pay a claim?
• Do I need higher collision deductibles?
• How does medical payments coverage work?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Insurance specifics

Learning about specific coverages of a insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by insurance companies.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from getting keyed, hitting a deer, hail damage and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as X-ray expenses, rehabilitation expenses, chiropractic care, hospital visits and surgery. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision insurance

This coverage pays for damage to your Optima resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sustaining damage from a pot hole, colliding with another moving vehicle, scraping a guard rail and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Kia Optima.

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. So UM/UIM coverage should not be overlooked.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on other people or property. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as funeral expenses, medical expenses, medical services, repair costs for stationary objects and loss of income. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Shop around and save

In this article, we covered a lot of ways to reduce 2009 Kia Optima insurance rates online. The key concept to understand is the more quotes you get, the better likelihood of getting affordable car insurance. Consumers may even find the biggest savings come from an unexpected company. Some small companies may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as State Farm or Progressive.

As you shop your coverage around, never skimp on critical coverages to save a buck or two. In many cases, someone dropped uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. The goal is to purchase plenty of coverage at the best possible price, but do not skimp to save money.

Additional detailed information can be read in the articles below:

• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)