2003 Kia Optima Car Insurance Quotes – 9 Discounts for Cheapest Rates

Trying to find the cheapest insurance for a new or used Kia Optima could be a painful process, but you can use a few tricks to save time. There is a better way to compare car insurance rates and you need to know the quickest way to price shop coverage for a new or used Kia and locate the lowest possible price from local insurance agents and online providers.

It’s smart to compare rates quite often since insurance rates change frequently. Even if you think you had the lowest price on Optima coverage six months ago there is a good chance you can find better rates now. You can find a lot of misleading information regarding car insurance on the web, but I’m going to show you the easiest ways to quit paying high car insurance rates.

If you are insured now or are shopping for new coverage, you can follow these tips to get lower rates and possibly find even better coverage. Locating the best protection is not that difficult. Drivers just need to understand the best way to find the lowest price over the internet.

Finding Auto Insurance

Getting a cheaper price on 2003 Kia Optima insurance is not rocket science. All that’s required is to spend a few minutes to get quotes online with multiple companies. This can be done using a couple different methods.

  1. The fastest way to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This type of form keeps you from doing multiple quote forms for each company. A single, simple form gets you price quotes direct from many companies. This is by far the quickest method.
  2. A less efficient way to compare rate quotes requires visiting the website for each individual company to complete a price quote. For sake of this example, let’s assume you want to compare rates from State Farm, Safeco and Allstate. You would have to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  3. The most time-consuming method to get comparison rates is to spend time driving to different agent offices. The internet makes this process obsolete unless you require the personal advice of a local agent. You can, however, price shop online and still use a local agent and we’ll cover that in a bit.

Which method you use is up to you, but make sure you use apples-to-apples coverage limits and deductibles for every quote you compare. If the quotes have mixed coverages it’s not possible to make a fair comparison for your Kia Optima.

Don’t overlook these nine discounts

Car insurance companies do not list all available discounts very well, so we break down both well-publicized and the harder-to-find discounts you could be receiving. If you don’t get every credit possible, you are paying more than you should be.

  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • Drivers Ed for Students – Require your teen driver to enroll in driver’s education in school.
  • Multiple Cars – Having all your vehicles on the same insurance policy may reduce the rate for each vehicle.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Government Employees – Employees or retirees of the government can save as much as 8% on Optima coverage with certain companies.
  • Life Insurance – Some companies give a break if you buy life insurance from them.
  • College Student – Youth drivers living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • Paperless Signup – A handful of insurance companies give back up to $50 for buying a policy and signing up digitally online.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, you’re out of luck.

Car insurance companies who might offer these benefits include:

Before buying, ask each company how you can save money. Discounts may not be available everywhere.

Is my situation unique?

When it comes to buying proper insurance coverage for your vehicles, there really is not a one size fits all plan. Every situation is different.

These are some specific questions might point out whether or not you might need professional guidance.

  • Does my car insurance cover rental cars?
  • Am I covered if I hit a deer?
  • What are the financial responsibility laws in my state?
  • Do I need motorclub coverage?
  • Does my insurance cover my expensive audio equipment?
  • Is my cargo covered for damage or theft?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

What insurance coverages do you need?

Understanding the coverages of insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like ambulance fees, doctor visits, pain medications, surgery and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability – Liability insurance provides protection from damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for claims like funeral expenses, structural damage and medical services. 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.

Comprehensive insurance – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, hitting a bird, hail damage and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverages – This coverage covers damage to your Optima resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as driving through your garage door, colliding with a tree and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Kia Optima.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Keep this in mind

When you buy insurance online, it’s a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where drivers have reduced liability coverage limits only to find out that it was a big mistake. The aim is to buy enough coverage at an affordable rate while not skimping on critical coverages.

Drivers change insurance companies for many reasons like lack of trust in their agent, unfair underwriting practices, extreme rates for teen drivers or an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new insurance company can be pretty painless.

Affordable 2003 Kia Optima insurance can be bought from both online companies in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who do not provide online quoting and these small, regional companies work with independent agents.

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