Cheap 2013 Kia Optima Car Insurance Cost

Want lower auto insurance rates for your Kia Optima? Did a good deal turn into an underperforming, overpriced auto insurance policy? Don’t sweat it because there are lots of residents who feel the same.

Many insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates and get the best coverage at the best rates possible.

If you have car insurance now, you should be able to lower your premiums substantially using these tips. Choosing the best insurance company for you is quite easy. Although drivers must understand the way insurance companies sell online and take advantage of how the system works.

Cheap car insurance price quotes

To find the best car insurance rates, there are several ways to compare quotes from all the different companies. One of the best ways to compare rates consists of obtaining rate quotes online. It is quite easy and can be accomplished by using one of the methods below.

1. The fastest and easiest way to get quotes is a comparison rater form (click to open form in new window). This method saves time by eliminating separate quote forms for every company. A single form will get you rate comparisons from car insurance companies with the best prices.
2. A slightly less efficient method to obtain and compare quotes online is spending the time to visit each individual company website and fill out a new quote form. For example, we’ll assume you want to compare prices for Farmers, Liberty Mutual and State Farm. You would have to spend time going to each site individually to enter your coverage information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

You can use whichever method you prefer to find lower rates, just make sure you are using nearly identical deductibles and coverage limits on every quote. If you are comparing different coverage information it will be next to impossible to determine the best price for your Kia Optima. Even a minor difference in limits could mean much higher rates. Just remember that quoting more will enable you to find more affordable rates. Not every company allows you to get online rate quotes, so it’s necessary to compare price estimates on coverage from those companies, too.

Save money by taking advantage of discounts

Buying insurance is not cheap, but you may qualify for discounts that can help lower your rates. Certain reductions will be credited at quote time, but some must be specifically requested before you get the savings.

• Federal Employees – Active or retired federal employment can earn a discount up to 10% for Optima insurance depending on your company.
• ABS Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control have fewer accidents and therefore earn up to a 10% discount.
• Save with More Vehicles Insured – Buying insurance for multiple cars or trucks on a single policy may reduce the rate for each vehicle.
• Driving Data Discount – People who choose to allow companies to analyze driving manner by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they have good driving habits.
• Discount for Low Mileage – Driving fewer miles may enable drivers to earn cheaper insurancerates.
• Discount for Passive Restraints – Factory air bags and/or automatic seat belt systems could see savings of 25 to 30%.
• Drive Safe and Save – Insureds without accidents can save up to 40% or more on their auto insurance quote for Optima insurance than drivers with accident claims.
• Full Payment Discount – If you can afford to pay the entire bill as opposed to paying monthly you can avoid the installment charge.
• Policy Bundle Discount – If you can combine your auto and home policy and place coverage with the same company they may give you a discount of approximately 10% to 15%.
• Include Life Insurance and Save – Some insurance carriers give a break if you buy some life insurance in addition to your auto policy.

Please keep in mind that most discount credits are not given to the overall cost of the policy. Most only cut individual premiums such as medical payments or collision. Despite the fact that it seems like you can get free auto insurance, that’s just not realistic. But all discounts will reduce the cost of your policy.

To find companies that have a full spectrum of discounts, click here.

How much insurance coverage do I need?

When buying proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions may help highlight whether you might need professional guidance.

• Is my nanny covered when driving my vehicle?
• Can I still get insurance after a DUI?
• What vehicles should carry emergency assistance coverage?
• What can I do if my company won’t pay a claim?
• Does my 2013 Kia Optima qualify for pleasure use?
• Should I sign the liability waiver when renting a car?
• Do I need replacement cost coverage on my 2013 Kia Optima?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Lower insurance rates with these tips

The best way to find cheaper insurance is to take a look at the rating factors that go into determining the level of your policy premiums. When you know what positively or negatively influences your rates, this allows you to make educated decisions that could result in lower rates. Lots of factors are part of the calculation when you get your auto insurance bill. A few of the factors are predictable such as your driving history, but other criteria are less apparent such as whether you are married or your financial responsibility.

• Extra policy coverages could be costing you – There are a ton of optional add-on coverages that you can get tricked into buying but may not be useful. Coverages for personal injury protection, towing coverage, and motor club memberships are examples of these. You may think they are a good idea initially, but if you don’t need them consider taking them off your policy.
• Prevent your car from being stolen – Choosing a vehicle with advanced anti-theft systems can save you a little every year. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart your vehicle from being stolen.
• Use credit responsibly and save – Having a bad credit score is a large factor in calculating your insurance rates. Therefore, if your credit rating could use some work, you may save money insuring your 2013 Kia Optima by repairing your credit. Drivers who have excellent credit tend to be better risks to insure as compared to drivers with lower credit scores.
• Youthful vs. mature drivers – More mature drivers are more responsible, are lower risk to insure and are safer drivers.Young drivers are statistically shown to be less responsible when at the wheel of a vehicle and because of this, their insurance rates are much higher.
• Rural areas have lower prices – Living in a rural area may provide you with better prices if you are looking for the lowest rates. Fewer people means reduced accidents and lower theft and vandalism rates. Urban drivers regularly have more aggressive driving styles and longer commute times. More time on the road statistically corresponds to a higher accident and claim rate.
• Your stress level may be raising your insurance rates – Jobs such as military generalsair traffic controllers and miners generally have higher rates than the rest of us in part from stressful work requirements and long work hours. Conversely, occupations like actors, historians and the unemployed pay the least for Optima insurance.

Car insurance 101

Knowing the specifics of auto insurance helps when choosing the right coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types found on most auto insurance policies.

Comprehensive protection

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hail damage, rock chips in glass, a tree branch falling on your vehicle and falling objects. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for hospital visits, X-ray expenses, prosthetic devices, EMT expenses and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for collisions

Collision insurance covers damage to your Optima resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as scraping a guard rail, rolling your car, sustaining damage from a pot hole, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Liability

This coverage can cover damages or injuries you inflict on a person or their property. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as legal defense fees, bail bonds and repair costs for stationary objects. How much coverage you buy is up to you, but buy as much as you can afford.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage 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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Affordable insurance is out there

Cheaper 2013 Kia Optima insurance is definitely available from both online companies and from local insurance agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who do not provide rate quotes online and most of the time these small, regional companies work with independent insurance agents.

You just read many ways to lower your 2013 Kia Optima insurance rates. It’s most important to understand that the more times you quote, the better chance you’ll have of finding cheaper auto insurance. Consumers could even find that the most savings is with the least-expected company. Some small companies can often provide lower car insurance rates in certain areas than the large multi-state companies such as Progressive and Geico.

Much more information about auto insurance is available at the links below

• Shopping for a Safe Car (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)
• Teen Driver Statistics (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)
• Reducing Your Risks in a Car Crash Video (iihs.org)