View 2015 Kia Optima Car Insurance Quotes

Trying to find the cheapest insurance rates for your Kia Optima? Finding more affordable rates for insurance is always very difficult for drivers who have little experience online insurance quotes. People have so many options that it can quickly become a difficult mission to find the lowest price.

More affordable rates with these discounts

Properly insuring your vehicles can get expensive, but you might find some hidden discounts that you may not know about. Larger premium reductions will be automatically applied at the time of purchase, but a few must be specially asked for before they will apply.

• Life Insurance Discount – Not all companies offer life insurance, but some may give you a lower premium rate if you buy auto and life insurance together.
• Claim-Free Discount – Claim-free drivers have much lower rates when compared with bad drivers.
• Driver’s Education for Students – Require your teen driver to successfully complete driver’s ed class if offered at their school.
• Policy Bundle Discount – If you can bundle your homeowners and auto insurance and place coverage with the same company you will save as much as 10 to 15 percent.
• Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on Optima insurance with some insurance companies.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

A few companies that may include most of these discounts include:

• Geico
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

If you are trying to find low cost auto insurance quotes, ask every company to apply every possible discount. Some discounts may not apply to policies in your area. To locate insurance companies that offer some of these discounts, click here.

Car insurance can be complex

When it comes to buying adequate 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.

For example, these questions might help in determining whether your personal situation might need professional guidance.

• Does my personal policy cover me when driving out-of-state?
• When should I buy a commercial auto policy?
• Should I put collision coverage on all my vehicles?
• What should my uninsured motorist coverage limits be in my state?
• How much liability do I need to cover my assets?
• Is my babysitter covered when using my vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Coverage specifics

Learning about specific coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a bird, fire damage and theft. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision insurance

Collision coverage pays for damage to your Optima resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a building, crashing into a ditch, backing into a parked car, rolling your car and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like doctor visits, dental work and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Liability coverages

Liability insurance can cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you from claims by other people. It does not cover 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 might see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things such as medical expenses, structural damage, legal defense fees, bail bonds and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Do the work, save more money

Budget-friendly auto insurance is definitely available both online as well as from independent agents, so you should compare both to get a complete price analysis. Some companies don’t offer online rate quotes and these regional insurance providers sell through independent insurance agents.

You just learned a lot of techniques to get a better price on 2015 Kia Optima insurance. The key thing to remember is the more price quotes you have, the better your comparison will be. Drivers may discover the most savings is with an unexpected company.

As you prepare to switch companies, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, drivers have reduced liability coverage limits and found out when filing a claim that it was a big mistake. Your objective should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Additional information can be read at these links:

• What is Covered by GAP Insurance? (Allstate)
• Who Has the Cheapest Car Insurance Quotes for a Kia Optima in Kansas City? (KCAutoGuard.com)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)