2018 Kia Optima Car Insurance Quotes

Confused by the dozens of insurance coverage sources in your area? consumers have so many options that it can really be a real challenge to find the perfect company for you.

Consumers need to price shop coverage occasionally since insurance rates are rarely the same from one policy term to another. Even if you got the lowest premium rates on Optima insurance two years ago other companies may now be cheaper. There is a lot of bad information regarding insurance coverage on the internet, but you can learn some great ways to find cheap insurance coverage.

Choosing the best insurance company for you is quite easy. In a nutshell, every vehicle owner who buys auto insurance most likely will be able to reduce their rates. Although car owners need to have an understanding of how the larger insurance companies market on the web.

The quickest way to compare car insurance company rates is to understand auto insurance companies allow for online access to provide you with free rate quotes. The only thing you need to do is give them rating details like if you went to college, your general credit rating, how much you drive, and if the vehicle is leased. Your rating data is then submitted to multiple top-rated companies and you should receive rate quotes almost instantly.

Save with these discounts

Car insurance is not an enjoyable expense, but you might already qualify for some discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically at the time of quoting, but occassionally some discounts must be asked for before they will apply.

  • Bundled Policy Discount – When you combine your homeowners and auto insurance and place coverage with the same company you may save as much as 10 to 15 percent.
  • Paperwork-free – Some larger companies give back up to $50 for buying a policy and signing up on their website.
  • Good Students Pay Less – Maintaining excellent grades can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Discounts for Good Drivers – Safe drivers can save as much as half off their rates on Optima insurance compared to accident prone drivers.
  • No Accidents – Insureds with no claims or accidents can earn big discounts as opposed to frequent claim filers.

Keep in mind that most discounts do not apply to the entire cost. Most cut the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like you could get a free car insurance policy, companies don’t profit that way. But all discounts will definitely lower your overall premium however.

The best car insurance companies and a selection of discounts can be read below.

  • GEICO discounts include anti-lock brakes, five-year accident-free, anti-theft, daytime running lights, seat belt use, and military active duty.
  • Mercury Insurance policyholders can earn discounts including multi-policy, anti-theft, low natural disaster claims, annual mileage, multi-car, age of vehicle, and accident-free.
  • Farmers Insurance may include discounts for alternative fuel, pay in full, mature driver, distant student, business and professional, and homeowner.
  • Auto-Owners Insurance offers discounts for good student, company car, multi-policy, air bags, anti-theft, paid in full, and anti-lock brakes.
  • Liberty Mutual offers discounts including new move discount, teen driver discount, newly married, safety features, exclusive group savings, multi-policy, and hybrid vehicle.
  • SAFECO has discounts for accident prevention training, bundle discounts, drive less, teen safety rewards, and multi-car.
  • Progressive offers premium reductions for multi-policy, online signing, good student, multi-vehicle, online quote discount, and continuous coverage.
  • USAA has savings for new vehicle, safe driver, annual mileage, military installation, and vehicle storage.

If you are trying to find low cost car insurance quotes, ask each company or agent how many discounts you can get. Some credits may not apply to policyholders in your state. To find insurers who offer discounts, follow this link.

Special considerations

When it comes to choosing adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions might help in determining if you might need professional guidance.

  • Can I rate high risk drivers on liability-only vehicles?
  • What is the rate difference between pleasure use and commuting?
  • Do I need PIP coverage since I have good health insurance?
  • Is my state a no-fault state?
  • What if I don’t agree with a claim settlement offer?
  • Is extra glass coverage worth it?
  • Can I make deliveries for my home business?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered if I wreck a rental car?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Get lower-cost insurance costs by understanding these factors

Many things are part of the equation when quoting car insurance. Some are obvious such as your driving history, but some are less apparent like where you live or your financial responsibility.

Listed below are some of the factors used by your company to calculate prices.

  • What are your deductibles? – Insurance for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your Kia. Some instances where coverage would apply could be running into the backend of another car, collision with an animal, and windstorm damage. Comprehensive and collision coverage deductibles represent how much money you are willing to pay if the claim is covered. The more damage repair cost the insured has to pay upfront, the better rate you will receive on Optima insurance.
  • Responsible drivers pay less – Just one chargable violation may cause rates to rise substantially. Good drivers tend to pay less for car insurance than their less careful counterparts. Drivers who get serious tickets like DUI, reckless driving or excessive speeding may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to legally drive.
  • Gender and insurance – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that males are worse at driving than females. Both sexes get in fender benders at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.
  • Don’t skimp on liability coverage – A critical coverage on your policy, liability insurance kicks in when you are found to be at fault for damages caused by your negligence. Liability provides you with a defense in court which can be incredibly expensive. Liability is cheap compared to comp and collision, so buy as much as you can afford.
  • Cut car insurance rates and deter theft – Driving a car with advanced anti-theft systems can get you a discount on your car insurance. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft.
  • Don’t cancel your car insurance policy without a new one in place – Driving with no insurance is a misdemeanor and car insurance companies will penalize you for letting your coverage cancel without a new policy in place. In addition to paying higher rates, failure to provide proof of insurance will get you fines or a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Good credit means lower rates – Credit score is a large factor in calculating your car insurance rates. Therefore, if your credit rating can be improved, you could save money insuring your 2018 Kia Optima by taking the time to improve your credit score. People that have high credit ratings tend to be more responsible and file fewer claims as compared to drivers with lower ratings.
  • More than one policy can earn a discount – Most insurers will give a discount to insureds that buy multiple policies such as combining an auto and homeowners policy. Even though this discount sounds good, consumers should still compare other company rates to verify if the discount is saving money. Consumers may save more without the discount by buying car insurance from a different company.

Educate yourself about insurance coverages

Knowing the specifics of your policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for bills for things like ambulance fees, surgery, dental work, nursing services and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Auto collision coverage

Collision insurance covers damage to your Optima from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like scraping a guard rail, driving through your garage door, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2018 Kia Optima.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Liability coverage

This provides protection from damage or injury you incur to other’s property or people. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like repair bills for other people’s vehicles, bail bonds, funeral expenses and attorney fees. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, falling objects and theft. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

At the end of the day…

Cost effective 2018 Kia Optima insurance is possible both online and also from your neighborhood agents, and you should be comparing both to get a complete price analysis. A few companies do not offer online price quotes and these smaller providers only sell coverage through independent agents.

Drivers who switch companies do it for a number of reasons such as delays in responding to claim requests, policy non-renewal, high prices or denial of a claim. No matter why you want to switch, finding a great new company is easier than you think.

We just presented a lot of tips how to reduce 2018 Kia Optima insurance prices online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Consumers may even find the lowest prices come from an unexpected company.

More tips and info about car insurance is available in the articles below:

Comments About 2018 Kia Optima Insurance

  1. Aileen Wall

    Will State Farm raise rates for a windshield claim?

  2. Adell Patel

    I think I’m paying too much. From south side of Honolulu, HI. Quoted quotes with Progressive, Amica, and Farmers for my 2018 Kia Optima and I’m now saving $36 a month. Was with Amica. Hardly afford to drive anymore.

  3. Allan Olsen

    Does Utah require liability coverage?

  4. Rafael Castro

    What does medical payments cover?

  5. Charlena Turner

    Is 21st Century or Farmers cheap in Hilo, HI?

  6. Hollis Harmon

    Anyone know if State Farm does SR-22s?