Lower Your 2012 Kia Optima Insurance Quotes

Wish you could get a refund on high-priced insurance coverage? You’re in good company because there are many people just like you.

Due to the abundance of insurance providers from which to choose, it’s nearly impossible to pick the most cost effective insurance company.

Shopping for the cheapest insurance coverage is simple if you know the tricks. Basically, anyone who carries insurance coverage should be able to save money. Although drivers do need to learn the way insurance companies market insurance on the web.

The quickest method we recommend to get policy rate comparisons is to know the fact most insurance companies provide online access to give you rate quotes. To begin a comparison, all you need to do is provide information such as whether the vehicles are used for commuting, if you have a valid license, your occupation, and the type of vehicles you drive. That rating information gets sent immediately to many different companies and they return rate quotes almost instantly.

Drivers who switch save $454 a year? Really?

Insurance companies such as State Farm, Geico and Progressive seem to constantly run television and radio advertisements. They all seem to make an identical promise that you’ll save big if you switch your insurance coverage to their company. How can each company make the same claim? Here is the trick they use.

Most companies have specific criteria for the driver that will most likely be profitable. For example, a driver they prefer could possibly be a married female, has had continuous coverage, and has a short commute. Any customer that meets those criteria receive the lowest rate quotes as well as save when they switch companies.

Drivers who don’t meet the “perfect” profile will get a higher rate which translates to business going elsewhere. The trick is to say “customers who switch” not “all people who quote” will save that much if they switch. That’s why insurance companies can confidently make it sound like they have such great premium rates.

This really emphasizes why you should quote coverage with many companies. It is just not possible to predict the company that will have the lowest rate quotes.

You may qualify for discounts

Car insurance is expensive, but you may qualify for discounts that can help lower your rates. Certain discounts will be triggered automatically at the time you complete a quote, but occassionally some discounts must be specifically requested in order for you to get them.

  • Lower Rates for Military – Being on active duty in the military may lower your rates slightly.
  • Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Life Insurance Discount – Some companies give a discount if you purchase auto and life insurance together.
  • Discounts for Cautious Drivers – Accident-free drivers could pay up to 40% less for Optima coverage than less cautious drivers.
  • Multi-Vehicle Discounts – Insuring all your vehicles with the same company can reduce the rates for all insured vehicles.
  • Distant Student – who live away from home to go to college and do not have access to a covered vehicle can receive lower rates.
  • ABS Braking Discount – Cars, trucks, and SUVs that have anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Early Renewal Discounts – Select insurance companies give a discount for switching companies before your current policy expires. You may see this discount when you get insurance quotes online.
  • Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you could save up to 5%.

Don’t be surprised that some credits don’t apply to the entire policy premium. The majority will only reduce specific coverage prices like comprehensive or collision. Despite the appearance that you can get free auto insurance, it just doesn’t work that way.

Large car insurance companies and some of the discounts are:

  • American Family has discounts for multi-vehicle, Steer into Savings, defensive driver, good driver, air bags, mySafetyValet, and bundled insurance.
  • Farm Bureau policyholders can earn discounts including youthful driver, good student, 55 and retired, driver training, and multi-vehicle.
  • State Farm discounts include safe vehicle, good student, defensive driving training, multiple policy, student away at school, anti-theft, and driver’s education.
  • Travelers offers discounts including multi-policy, good student, student away at school, hybrid/electric vehicle, and driver training.
  • The Hartford may include discounts for air bag, vehicle fuel type, bundle, anti-theft, driver training, and defensive driver.
  • Geico offers discounts for multi-vehicle, defensive driver, seat belt use, daytime running lights, anti-lock brakes, and membership and employees.
  • Progressive may offer discounts for multi-vehicle, online signing, good student, multi-policy, homeowner, continuous coverage, and online quote discount.

When getting free insurance quotes, it’s a good idea to all the companies which discounts you qualify for. Discounts might not be offered in every state. If you would like to choose from a list of companies that can offer you the previously mentioned discounts, click here to view.

There’s no such thing as the perfect car insurance policy

When choosing the best car insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s needs are different so your insurance should reflect that For example, these questions may help highlight if you could use an agent’s help.

  • What exactly is covered by my policy?
  • Where can I get insurance after a DUI in my state?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is extra glass coverage worth it?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is pleasure use cheaper than using my 2012 Kia Optima to commute?
  • Is my babysitter covered when using my vehicle?
  • Does my 2012 Kia Optima qualify for pleasure use?
  • What is high-risk coverage and where do I buy it?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area.

Insurance coverage options for a Kia Optima

Knowing the specifics of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverage types found on the average insurance policy.

Auto liability

This can cover damages or injuries you inflict on people or other property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like attorney fees, repair bills for other people’s vehicles, medical services and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Auto collision coverage

This pays for damage to your Optima resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as backing into a parked car, rolling your car, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your 2012 Kia Optima.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like ambulance fees, hospital visits, EMT expenses and pain medications. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like fire damage, a broken windshield, hitting a deer, a tree branch falling on your vehicle and theft. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Quote more, save more

As you shop your coverage around, it’s very important that you do not buy poor coverage just to save money. There have been many cases where an insured cut comprehensive coverage or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage for the lowest cost, but do not skimp to save money.

More affordable insurance coverage can be sourced from both online companies as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers don’t offer rate quotes online and these regional insurance providers work with independent insurance agencies.

More detailed insurance coverage information is located at these sites:

Comments About 2012 Kia Optima Insurance

  1. Evelin Warren

    Any Allstate or Erie customers near Idaho Falls, ID?

  2. Luciana Sweet

    I chose to switch to GEICO from Auto-Owners. I live in Miami, FL. Left Liberty Mutual to switch. Can still barely afford it.

  3. Allen Jimenez

    I live just to the east of Bridgeport, CT and for me Progressive had the lowest quote. Left Eastwood to switch. I got prices on the web.

  4. Katherina Oconnor

    For me, State Farm was by far the cheapest in Charleston, South Carolina.

  5. Rene Sawyer

    Here’s what I found out. I live just to the south of Manchester, New Hampshire. I quoted with GEICO, GMAC, and Encompass for my 2012 Kia Optima and saved $276 a year.

  6. Jamika Tyson

    Lifelong resident of San Diego, CA. I got free prices from Hartford, Auto-Owners, MetLife, and a couple others for my Optima and I’m now saving $50 a month.

  7. Salena Beck

    From northwest of Minneapolis, MN. I got free quotes from Amica, MetLife, and Western Auto Insurance for my Kia and saved around $110 a year. I’m a pretty low risk driver. They offer free online rate quotes.

  8. Darleen Green

    I’m in West Valley City, UT, and State Farm rates were affordable. My new agent seems to be really good.

  9. Hye Bridges

    Checking in from Burlington, Vermont. Went online for free insurance quotes for a 2012 Kia Optima. Ended up at about $220 savings annually. Went with 21st Century.

  10. Lashon Haley

    Good detail in your article. I live in Bridgeport, Connecticut. Checked online prices for a 2012 Kia Optima. Ended up at about $450 savings annually. Went with GEICO.

  11. Normand Livingston

    From northwest of Jersey City, NJ. Got prices from GEICO, Auto-Owners, Eastwood, and GMAC for my 2012 Kia Optima and saved just over $190 a year. :)

  12. Sandie Mullen

    Lifelong resident of Sioux Falls, SD. Received prices from USAA, Amica, GMAC, and Mercury for my Optima and I’m now saving $45 a month. Online quotes are the way to go.

  13. Teodoro Dorsey

    Cheap is relative. Live in Honolulu, Hawaii. Checked online prices for a 2012 Kia Optima. Ended up at about $370 savings annually. Went with Progressive. Thankfully I’m not a high risk driver.

  14. Lenora Curry

    How are claims handled by GEICO around Reno, NV?