2013 Kia Optima Car Insurance Quotes

Nobody I know looks forward to buying car insurance, especially when the cost is way too high.

Drivers have multiple insurance companies to pick from, and even though it’s nice to be able to choose, so many choices can make it hard to compare rates and find the lowest cost car insurance.

Finding the best rates is not rocket science. If you currently have a car insurance policy, you should be able to lower your premiums substantially using these methods. Although drivers need to learn the way companies price insurance differently because it can help you find the best coverage.

Auto Insurance Comparisons

There are multiple methods you can shop for 2013 Kia Optima auto insurance but there is one way that is less time-consuming than others. You could spend the better part of a day talking to insurance agencies in your area, or you can stay home and use online quotes to get pricing more quickly.

Many of the larger companies are enrolled in a marketplace that allows shoppers to submit one quote, and at least one company can give them a price based on the submitted data. This saves time by eliminating quotation requests to each company.

To find out how much you’re overpaying now click to open in new window.

The one disadvantage to getting quotes like this is buyers cannot specifically choose which companies you will receive quotes from. If you would rather choose from a list of companies for rate comparison, we have assembled a list of low cost auto insurance companies in your area. Click to view list.

However you get your quotes, ensure you’re using exactly the same quote information on every quote you get. If you enter different deductibles you can’t possibly find the best deal for your Kia Optima. Slightly different insurance coverages could mean much higher rates. Just remember that quoting more will enable you to find the best price.

How to know if you need help

When choosing proper insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions can help discover whether you would benefit from professional advice.

• Is my trailer covered?
• Does my 2013 Kia Optima qualify for pleasure use?
• Does medical payments coverage apply to all occupants?
• Who is covered by my policy?
• What should my uninsured motorist coverage limits be in my state?
• What is roadside assistance coverage?
• Am I insured when driving a different vehicle?
• When would I need additional glass coverage?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Are rock chip repairs covered?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Insurance coverage breakdown

Learning about specific coverages of insurance can help you determine the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages available from insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like pain medications, doctor visits, ambulance fees, hospital visits and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like colliding with another moving vehicle, hitting a parking meter, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability coverages

Liability coverage protects you from damage that occurs to a person or their property that is your fault. It protects you against other people’s claims. Liability doesn’t cover 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. You commonly see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like court costs, structural damage, loss of income and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Comprehensive auto coverage

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

Comprehensive coverage protects against claims like damage from flooding, hail damage, vandalism and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.