Cheaper 2016 Kia Optima Insurance Quotes

Locating cheaper insurance for your Kia Optima could be difficult, but you can learn the following methods to make it easier.

There are more efficient ways to find car insurance online so you’re going to learn the absolute fastest way to quote coverages on a Kia and find the best price possible from both online companies and local agents.

Finding affordable coverage is simple if you know the tricks. If you are insured now or are just looking to switch companies, you can follow these tips to shop for the lowest rates while maintaining coverages. Drivers just need to learn how to shop their coverage around online.

Compare auto insurance quotes

Effectively comparing auto insurance prices is a ton of work if you don’t know the most efficient way. You could spend your day talking about coverages with insurance agencies in your area, or you could use the internet to get the quickest rates.

Most of the best insurance companies are enrolled in a marketplace that allows shoppers to submit one quote, and at least one company provides a quote based on that data. This saves time by eliminating quote forms to each company.

To get comparison pricing now click to open in new window.

The one downside to using this type of system is you are unable to specify the providers you will receive quotes from. If you prefer to choose specific insurance companies to compare rates, we put together a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but make sure you are using the exact same coverage information for every quote you compare. If you use different limits and deductibles on each one it’s impossible to determine the best price for your Kia Optima.

These discounts can slash insurance coverage rates

Some insurance providers don’t always advertise all their discounts very clearly, so the list below contains both the well known in addition to some of the lesser obvious credits that you can use to lower your rates.

• ABS Braking Discount – Cars and trucks equipped with ABS or steering control have fewer accidents and qualify for as much as a 10% discount.
• First Accident Forgiveness – This one isn’t a discount, but some insurance companies will turn a blind eye to one accident before they charge you more for coverage with the catch being you have to be claim-free before the accident.
• Air Bag Discount – Vehicles with factory air bags can receive discounts as much as 30%.
• Paperwork-free – A few larger online companies will discount your bill up to fifty bucks simply for signing on the internet.
• Switch and Save Discount – Some insurance companies reward drivers for buying a policy before your current expiration date. It could save around 10% when you buy insurance coverage online.
• Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently so companies will give you a small discount.
• Safety Course Discount – Taking part in a course teaching defensive driver skills could save 5% or more and also improve your driving technique.
• Homeowners Pay Less – Just owning your own home may earn you a small savings since owning and maintaining a home is proof that your finances are in order.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce individual premiums such as medical payments or collision. So when the math indicates all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

To view insurance coverage companies that offer many of these discounts, follow this link.

When do I need an agent’s advice?

When buying coverage for your personal vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different.

For example, these questions can help discover whether your personal situation would benefit from professional advice.

• Should I bundle my homeowners policy with my auto?
• What is UM/UIM insurance?
• How high should deductibles be on a 2016 Kia Optima?
• Do I need special endorsements for business use of my vehicle?
• What is an SR-22 filing?
• Should I buy full coverage?
• Will I be non-renewed for getting a DUI or other conviction?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Car insurance coverage specifics

Having a good grasp of your policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Kia Optima.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Normally these limits are identical to your policy’s liability coverage.

Comprehensive auto coverage – This covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, damage from getting keyed, damage from flooding and damage from a tornado or hurricane. The maximum amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for bills for things like ambulance fees, EMT expenses and pain medications. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability car insurance – Liability insurance can cover injuries or damage you cause to other’s property or people by causing an accident. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things such as legal defense fees, structural damage, loss of income and pain and suffering. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Collision – This pays for damage to your Optima resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with another moving vehicle, crashing into a ditch, damaging your car on a curb and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.