Lower Your 2017 Kia Optima Car Insurance Quotes

Trying to find the cheapest insurance coverage rates for your Kia Optima? Comparing and finding more affordable coverage rates for Driversinsurance coverage is always a challenge for beginners to quoting and comparing prices online. With so many insurers available, it can be a difficult situation to find cheaper prices.

It’s a great practice to do rate comparisons yearly because insurance prices are usually higher with each renewal. Just because you had the best deal on Optima coverage a couple years back there may be better deals available now. Forget anything you know (or think you know) about insurance coverage because I’m going to teach you the tricks you need to know to save money, get proper coverage and the best rates.

How your Optima insurance rates are determined

Many factors are used when quoting car insurance. Some are pretty understandable like a motor vehicle report, but others are not quite as obvious such as whether you are married or how safe your car is.A large part of saving on car insurance is knowing some of the factors that help determine the level of your policy premiums. If you have a feel for what determines premiums, this allows you to make educated decisions that may result in lower premium levels.

  • Advanced alarm systems – Selecting a car model that has a built-in theft deterrent system can help lower your premiums. Advanced theft deterrents such as OnStar, LoJack tracking, and tamper alarms can help prevent your vehicle from being stolen.
  • Getting married can lower prices – Walking down the aisle actually saves money when buying car insurance. It translates into being more mature than a single person and statistics show married drivers get in fewer accidents.
  • Tickets drive up premiums – A bad driving record influences premium rates substantially. Drivers who don’t get tickets get better rates compared to drivers with tickets. Getting just one ticket can bump up the cost twenty percent or more. People who have dangerous violations like hit and run, DWI or reckless driving convictions may find that they have to to submit a SR-22 form with their state in order to legally drive.
  • Your address can influence rates – Residing in less populated areas of the country can save you money when shopping for auto insurance. Fewer people means less chance of accidents and also fewer theft and vandalism claims. Urban drivers tend to have more road rage incidents and more time behind the wheel. Spending more time driving statistically corresponds to a higher accident and claim rate.
  • Lower premiums for vehicles with better crash test results – Safe vehicles tend to have lower insurance rates. Safer cars have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders. If your Kia Optima has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Extra coverages you don’t need – Policies have optional add-on coverages that you can buy if you don’t pay attention. Things like rental car coverage, towing coverage, and membership fees are probably not needed. These coverages may sound good when discussing your needs, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.

The most recommended method to compare policy rates is to know the fact most larger insurance companies pay for the opportunity to compare their rates. To start a quote, the only thing you need to do is take a few minutes to give details including how much you drive, how your vehicles are used, if you have a valid license, and whether your vehicle is owned or leased. Your insurance information is submitted instantly to many highly-rated insurers and you will get price comparisons instantly.

Insurance coverage myths debunked

Companies like Progressive, Allstate and Geico endlessly run ads on TV and radio. They all advertise claims about saving some big amount if you change your policy. How is it plausible that every one can charge lower premium rates? This is how they do it.

Many companies quote the lowest rates for the type of driver that is profitable for them. An example of a profitable risk profile might be between 30 and 50, has had continuous coverage, and drives newer vehicles. Any driver who matches that profile will probably get the lowest premium rates and therefore will pay quite a bit less when switching companies.

Potential insureds who don’t qualify for these criteria may be required to pay higher premium rates which usually ends up with the driver buying from a lower-cost company. The trick is to say “drivers who switch” not “everybody who quotes” save the amount stated. This is how companies can make the claims of big savings.

This really emphasizes why it is so important to compare free car insurance quotes often. It’s impossible to know which insurance coverage company will have the best rates at this point in time.

Get cheaper rates with these discounts

Auto insurance companies don’t always list their entire list of discounts in a way that’s easy to find, so we took the time to find some of the best known in addition to some of the lesser obvious ways to save on insurance coverage.

  • Professional Memberships – Being a member of certain professional organizations could trigger savings when getting a car insurance quote.
  • Accident Forgiveness – Not necessarily a discount, but a few companies such as State Farm and Geico will turn a blind eye to one accident before they charge you more for coverage so long as you haven’t had any claims for a certain period of time.
  • Military Deployment Discount – Being on active deployment in the military can result in better insurance coverage rates.
  • New Vehicle Savings – Buying a new car instead of a used car can save up to 30% since newer models are generally safer.
  • Home Ownership Discount – Owning a home can save you money because owning a home requires personal responsibility.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class in school.
  • No Accidents – Insureds who avoid accidents and claims can save substantially as compared to bad drivers.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save 10% or more off the medical payments premium.
  • Driver Training Discounts – Participating in a course teaching driver safety skills could save 5% or more depending on where you live.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to all coverage premiums. Most only apply to individual premiums such as medical payments or collision. Even though it appears you can get free auto insurance, you’re out of luck.

If you would like to choose from a list of insurers who offer insurance coverage discounts, follow this link.

Auto insurance can be complex

When choosing the best auto insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is unique.

These are some specific questions might point out whether you might need professional guidance.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered when driving on a suspended license?
  • Is motorclub coverage worth it?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I have any recourse if my insurance company denies a claim?
  • Does having multiple vehicles earn me a discount?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered if my car is in a flood?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form.

The coverage is in the details

Having a good grasp of a insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Collision – This coverage pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, driving through your garage door and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive insurance – This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like theft, damage from flooding, a broken windshield and hitting a bird. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverages – This coverage can cover damages or injuries you inflict on other people or property in an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims such as legal defense fees, medical expenses, court costs and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for immediate expenses for things like hospital visits, nursing services, funeral costs, X-ray expenses and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Kia Optima.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Make an honest buck

Cheap 2017 Kia Optima insurance can be sourced online and from local agencies, and you need to price shop both so you have a total pricing picture. Some insurance providers may not provide price quotes online and these small, regional companies only sell through local independent agents.

We covered many tips how you can shop for 2017 Kia Optima insurance online. The key thing to remember is the more times you quote, the higher the chance of saving money. Consumers may even find the lowest premium rates come from the smaller companies.

While you’re price shopping online, it’s not a good idea to skimp on coverage in order to save money. Too many times, an accident victim reduced uninsured motorist or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your goal should be to purchase a proper amount of coverage at the lowest possible cost.

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