Compare 2009 Kia Optima Insurance Rates

Want lower car insurance rates for your Kia Optima? Have you fallen victim to overpriced car insurance? Trust us, there are a lot of people just like you who feel imprisoned by their car insurance policy.

You have multiple auto insurance companies to purchase coverage from, and even though it’s nice to have a selection, lots of choices makes it harder to compare rates and cut insurance costs.

Finding the best rates is easy if you know what you’re doing. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these tips. But consumers benefit from understanding the way insurance companies determine prices and apply this information to your search.

Free Auto Insurance Quotes

To find the best auto insurance prices, there are several ways to compare rate quotes from local auto insurance companies. The best method to find competitive 2009 Kia Optima insurance rates is to use the internet to compare rates. It is quite easy and can be accomplished in a couple of different ways.

1. One of the simplest ways to get quotes for comparison is a comparison rater form (click to open form in new window). This easy form saves time by eliminating repetitive form entry to each individual auto insurance company. One simple form gets you price quotes instantly.
2. A harder way to analyze rates consists of going to the website for every company you want to comare and complete a new quote form. For sake of this example, we’ll assume you want comparison quotes from Progressive, Esurance and Farmers. To find out each rate you need to take the time to go to each site and enter your 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 least recommended method of comparing rate quotes is to spend your day driving to different agent offices. The ability to buy insurance online can eliminate the need for a local agent unless you prefer the trained guidance only provided by licensed agents. It is possible to comparison shop your insurance online but still have the advice of a local agent.

Whichever way you use, double check that you are using apples-to-apples coverage limits for every quote you compare. If the quotes have different deductibles it’s impossible to decipher which rate is best. Slightly different insurance coverages may cause a big price difference. Keep in mind that obtaining a wide range of quotes helps you find the best offered rates.

Don’t assume everyone needs the same coverage

When it comes to choosing coverage for your personal vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. For example, these questions might point out whether you may require specific advice.

• Are rock chip repairs covered?
• Is there coverage for injuries to my pets?
• What is medical payments coverage?
• Is business equipment covered while in my vehicle?
• Do I pay less if my vehicle is kept in my garage?
• Can I drive in Mexico and have coverage?
• Are my tools covered if they get stolen from my vehicle?
• Can I make deliveries for my home business?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Do all my vehicles need collision coverage?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Auto insurance coverage information

Knowing the specifics of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverages found on most insurance policies.

Coverage for liability – Liability coverage protects you from injuries or damage you cause to people or other property that is your fault. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as bail bonds, medical services, attorney fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 2009 Kia Optima.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for pain medications, rehabilitation expenses and nursing services. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision – Collision coverage covers damage to your Optima caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sustaining damage from a pot hole, scraping a guard rail, colliding with another moving vehicle and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from flooding, damage from a tornado or hurricane and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.