Cheap 2002 Kia Optima Insurance Cost

Looking for the cheapest insurance coverage rates? Shoppers have lots of choices when shopping for affordable Kia Optima insurance. You can either waste hours calling around to get rate comparisons or save time using the internet to make rate comparisons.

There is a right way and a wrong way to shop for insurance coverage and we’ll show you the proper way to price shop coverage for a new or used Kia and locate the cheapest rates.

It’s a good idea to price shop coverage every six months because insurance rates are usually higher with each renewal. Just because you found the best deal for Optima insurance a couple years back you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about insurance coverage on the internet, so I’m going to show you a bunch of ideas how to find affordable insurance coverage.

Fast and Easy Auto Insurance Quotes

There are a lot of ways to compare auto insurance prices but one way is more efficient than others. You can waste hours talking about coverages with agents in your area, or you could save time and use online quoting to get the quickest rates.

Many popular insurance companies enroll in a system that allows shoppers to complete one form, and each participating company provides a quote based on the submitted data. This saves time by eliminating form submissions to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The only downside to comparing rates this way is that you can’t choose the companies to receive prices from. So if you want to choose specific providers to receive pricing from, we have a listing of companies who write auto insurance in your area. Click to view list.

Whichever way you use, be sure to compare apples-to-apples coverage limits and deductibles for every quote you compare. If you are comparing different limits and deductibles on each one you can’t possibly decipher which rate is best.

Don’t overlook these discounts

The price of auto insurance can be rather high, but there are discounts available that you may not even be aware of. Most are applied when you complete an application, but a few need to be specially asked for prior to getting the savings. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Safe Drivers – Insureds without accidents can pay as much as 50% less for Optima insurance than drivers with accident claims.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% for Optima insurance with a few insurance coverage companies.
  • Driver Safety – Taking a course in driver safety could save 5% or more depending on where you live.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Kia could qualify for better rates on cars that stay parked.
  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts could cut 10% or more off your medical payments premium.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like comp or med pay. Just because you may think you can get free auto insurance, it just doesn’t work that way. Any amount of discount will cut the amount you have to pay.

To see a list of insurance companies offering insurance coverage discounts, click here.

Is my situation unique?

When it comes to buying coverage for your vehicles, there isn’t really a one size fits all plan. Every situation is different.

These are some specific questions may help highlight whether your personal situation might need an agent’s assistance.

  • Exactly who is provided coverage by my policy?
  • Does coverage extend to Mexico or Canada?
  • How much underlying liability do I need for an umbrella policy?
  • When does my teenage driver need to be added to my policy?
  • Am I insured when driving a different vehicle?
  • Should I have combined single limit or split liability limits?

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, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

What auto insurance coverages do you need?

Understanding the coverages of a auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive protection – Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a deer, damage from getting keyed and falling objects. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage – Med pay and PIP coverage kick in for short-term medical expenses such as rehabilitation expenses, hospital visits, chiropractic care and pain medications. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Kia Optima.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like scraping a guard rail, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Liability car insurance – Liability coverage can cover damages or injuries you inflict on people or other property. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as emergency aid, structural damage, bail bonds and attorney fees. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

A little work can save a LOT of money

The cheapest 2002 Kia Optima insurance is possible both online and with local insurance agents, and you should be comparing both to have the best rate selection. Some insurance providers do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

Consumers leave their current company for many reasons like unfair underwriting practices, delays in responding to claim requests, delays in paying claims and even extreme rates for teen drivers. It doesn’t matter what your reason, finding a great new company is less work than it seems.

In this article, we covered a lot of tips how to reduce insurance prices online. The key thing to remember is the more times you quote, the better your chances of lowering your rates. Consumers may even find the lowest premiums are with an unexpected company.

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