Save on 2014 Kia Optima Car Insurance Quotes

Buyers have a choice when searching for affordable Kia Optima insurance. They can either spend hours contacting agents to get rate comparisons or use the internet to compare rates. There are more efficient ways to shop for insurance coverage so we’re going to tell you the quickest way to get price quotes on a Kia and find the lowest price from both online companies and local agents.

If you have a policy now or are looking for a new policy, you can follow these tips to shop for the lowest rates while maximizing coverage. This information will instruct you on the best way to quote coverages and some money-saving tips. Vehicle owners just need to learn the tricks to get comparison quotes online.

Compare insurance rates

There are a lot of ways to shop for insurance, but there is one way that is less labor-intensive and much quicker. You could waste time driving to agents in your area, or you could use online quotes to get rate comparisons in just a few minutes.

Many companies belong to an insurance system that allows shoppers to submit their information once, and every company returns a rated price based on that data. This prevents consumers from doing quote forms for each company. To compare rates now click to open in new window.

The only downside to comparing rates this way is that consumers can’t choose which insurance companies you want to price. So if you want to select from a list of companies to receive pricing from, we have a listing of insurance companies in your area. Click to view list.

It’s up to you which method you use, but be sure to compare the same quote data for every quote you compare. If your comparisons have different deductibles it will be impossible to find the best deal for your Kia Optima.

It’s not one size fits all

When it comes to buying the best car insurance coverage for your vehicles, there is no best way to insure your cars. Every insured’s situation is different.

These are some specific questions might point out whether your personal situation will benefit from professional help.

  • At what point should I drop full coverage?
  • Is my Kia Optima covered if I use it for business?
  • Is my teenager covered with friends in the car?
  • Will my insurance pay for OEM parts?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can I afford to pay high deductible claims out of pocket?
  • What is the ISO rating for a 2014 Kia Optima?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Coverage specifics

Knowing the specifics of a insurance policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills like funeral costs, doctor visits and hospital visits. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your Kia Optima.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for collisions

This coverage pays for damage to your Optima caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a parking meter, hitting a mailbox, damaging your car on a curb, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from getting keyed, damage from flooding and a broken windshield. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverage

This coverage can cover damages or injuries you inflict on people or other property. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for claims like emergency aid, bail bonds, attorney fees and medical services. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Comments About 2014 Kia Optima Insurance

  1. Thomasena Stout

    I’m in the west part of Lewiston, Maine. Quoted with Progressive, AAA, Encompass, and GMAC for my Optima and saved about $420 a year. Left GEICO to switch. Thankfully I have a good driving record.

  2. Geneva Peters

    Here’s my info. From west side of Rockford, IL. Compared rates from a lot of places. Saved roughly $70 a month. Allstate was the cheapest option for me. Got better coverage too. It was easy to get rates.

  3. Catherin Crane

    I got decent rates for a 2014 Kia Optima in Burlington, VT. Ended up at darn near $180 every six months with Amica. Wish I didn’t have to insure at all.

  4. Emerita Clarke

    Got pretty cheap 2014 Kia Optima insurance from Progressive in Newark, DE.

  5. Nia Paul

    Great site. From Buffalo, NY. Got free quotes online for a 2014 Kia Optima. Ended up at about $360 savings annually. Went with Allstate. Left AIG Insurance to switch. Even increased my liability limits. Just go online and compare their rates.

  6. Wendolyn Cline

    I can’t pay high rates. I live on the south side of Des Moines, Iowa. I got free quotes with AAA, Erie, and Sentry for my Optima and I’m now saving $60 a month.

  7. Evia Saunders

    In Fargo, ND, Progressive auto insurance rates for my 2014 Kia Optima were good. Insured with Amica before. Online quotes are the way to go.

  8. Dyan Dunlap

    Is GEICO cheap in Huntington, West Virginia?

  9. Su Howell

    This is too expensive. I’m in Buffalo, NY. I got free quotes with Allstate, American Family, Farmers, and Hanover for my 2014 Kia Optima and saved just over $570 a year. I got prices on the web.

  10. Korey Hahn

    Compared auto insurance prices with State Farm and Progressive but still not cheap enough.

  11. Delcie Walls

    Cheap is not always the best policy. From northwest of Evansville, Indiana. Got prices from GEICO, AAA, Erie, and GMAC for my Kia and I’m now saving $64 a month. Insured with Hartford before.

  12. Inell Roach

    I got decent rates for a 2014 Kia Optima in Mobile, AL. Ended up at roughly $330 every six months with AIG Insurance. I increased coverages a little too.

  13. Forrest Lopez

    I can’t pay high rates. Live in the southern part of Salem, OR. Quoted quotes from Auto-Owners, MetLife, and some smaller one I can’t remember the name of for my Optima and saved around $130 a year. It’s still not cheap enough.

  14. Iva Rosario

    I live on the east side of Raleigh, North Carolina. Quoted a bunch of companies. Saved about $60 a month. GEICO was the most affordable for me. Good multi-policy discounts. Not sure if rates are cheaper online or not.