Save on 2014 Kia Optima Car Insurance Quotes

Are you tired of trying to scrape together enough money each month for car insurance? You are no different than most other car owners.

Many insurers compete for your business, so it can be very hard to choose a insurance company to get the lowest rate

It’s important to shop coverage around periodically since rates are usually higher with each renewal. If you had the best price on Optima coverage a year ago there may be better deals available now. There is a lot of wrong information about insurance online but by reading this article, you’re going to learn the easiest ways to reduce your insurance bill.

If you currently have car insurance, you will be able to save some money using these techniques. Buying car insurance is easy if you know what you’re doing. Although car owners can benefit from knowing how companies price online insurance.

Discounts can save BIG

Companies don’t list every available discount very clearly, so we break down some of the more common and the more hidden car insurance savings.

  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. This discount can apply until age 25.
  • Accident Forgiveness – A few companies permit an accident before your rates go up if you are claim-free for a certain period of time.
  • Sign Online – Some insurance companies will give a small break for buying a policy and signing up on their website.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • Accident Free – Claim-free drivers pay less when compared with accident-prone drivers.
  • Own a Home – Owning a home may trigger a car insurance policy discount because owning a home shows financial diligence.
  • Early Signing – Select companies give a discount for switching to them prior to your current policy expiring. This can save 10% or more.
  • Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more on Optima coverage than drivers with accident claims.

It’s important to note that most discount credits are not given to all coverage premiums. Most only cut the price of certain insurance coverages like medical payments or collision. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.

To see a list of insurance companies with the best car insurance discounts, follow this link.

Comprehensive Auto Insurance Comparison

There are several ways to compare rate quotes from auto insurance companies in your area. The simplest method to find the lowest 2014 Kia Optima rates involves getting comparison quotes online. This is very easy and can be done in a couple of different ways.

  1. The single most time-saving way to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This form saves time by eliminating multiple quote forms to each individual auto insurance company. Just one form compares rates from all major companies.
  2. A more difficult way to compare rate quotes requires you to visit each company’s website and fill out their own quote form. For sake of this example, we’ll pretend you want rates from Progressive, Allstate and State Farm. To get rate quotes you would need to go to every website to input your insurance information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

Whichever way you use, make darn sure you compare exactly the same deductibles and coverage limits for every company. If you use different deductibles you will not be able to make a fair comparison for your Kia Optima. Just a small difference in coverage limits can mean a large discrepancy in price. Just keep in mind that obtaining a wide range of quotes provides better odds of finding a better price.

Complexity of Kia Optima insurance rates

It’s important that you understand some of the elements that come into play when calculating your car insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that could result in lower car insurance prices.

  • Your credit rating is important – A driver’s credit score is a big factor in your rate calculation. Drivers with good credit tend to file fewer claims and have better driving records than those with poor credit. Therefore, if your credit is low, you could potentially save money when insuring your 2014 Kia Optima by repairing your credit.
  • Do you qualify for a multi-policy discount? – Most companies will give a discount to customers who have multiple policies with them such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. If you currently are using one company, it’s still a good idea to shop around to confirm you are receiving the best rates possible. You may still be able to find better rates by buying car insurance from a different company.
  • Your stress level may be raising your rates – Did you know your job can affect your rates? Occupations like real estate brokers, executives and dentists have the highest average rates due to high stress and long work days. Other professions such as pilots, historians and homemakers get better rates on Optima coverage.
  • Don’t skimp on liability – Liability coverage provides coverage if ever a court rules you are at fault for causing damage or personal injury in an accident. Liability provides for a legal defense starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
  • Women pay lower rates – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that women are better drivers. Men and women tend to get into accidents at a similar rate, but the men cause more damage. Men also statistically have more aggressive citations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and therefore are the most expensive to insure.
  • Where you live – Residing in a rural area can save you money when talking about car insurance. City drivers have to deal with traffic congestion and much longer commute distances. Fewer drivers means fewer accidents.

Will just any policy work for me?

When choosing proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions could help you determine if your situation might need an agent’s assistance.

  • What is covered by UM/UIM coverage?
  • Should I bundle my homeowners policy with my auto?
  • How does medical payments coverage work?
  • What can I do if my company won’t pay a claim?
  • Should I carry comprehensive and collision coverage?
  • What is the ISO rating for a 2014 Kia Optima?
  • Are rock chip repairs covered?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Can switching companies really save?

Progressive, Geico, Allstate and State Farm regularly use ads on TV and radio. All the companies say the same thing that you can save if you move your policy. How does each company say the same thing?

Different companies have a preferred profile for the driver they prefer to insure. A good example of a preferred risk could be over the age of 50, insures multiple vehicles, and has great credit. A driver who matches those parameters receives the best rates and is almost guaranteed to save when switching.

Potential insureds who are not a match for this ideal profile must pay higher prices which usually ends up with business going elsewhere. The ad wording is “drivers who switch” not “everyone that quotes” save that much money. That’s why companies can truthfully make the claims of big savings. This illustrates why it’s extremely important to quote coverage with many companies. It’s not possible to predict which insurance company will provide you with the cheapest Kia Optima insurance rates.

Auto insurance coverage options for a Kia Optima

Knowing the specifics of a auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverages found on the average auto insurance policy.

Coverage for medical expenses – Med pay and PIP coverage pay for short-term medical expenses for chiropractic care, X-ray expenses, funeral costs and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

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

Collision coverage protects against claims such as crashing into a building, colliding with a tree, sideswiping another vehicle, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto insurance – Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, theft, hitting a bird, damage from flooding and a broken windshield. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Kia Optima.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability coverage – This can cover damage that occurs to other’s property or people in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like legal defense fees, pain and suffering, attorney fees, medical expenses and repair costs for stationary objects. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Quote often and quote early

Low-cost 2014 Kia Optima insurance is available both online and with local insurance agents, so you should compare both to have the best selection. Some companies do not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

As you prepare to switch companies, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, someone sacrificed liability limits or collision coverage only to regret that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

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