Best Tricks to Lowering Your Kia Optima Insurance Rates

Consumers have a choice when looking for the lowest priced Kia Optima insurance. You can either waste hours driving around to compare prices or use the internet to find the lowest rates. There is a right way and a wrong way to compare car insurance rates so you’re going to learn the absolute fastest way to compare rates for your Kia and find the cheapest rates.

It’s a good idea to shop coverage around yearly since rates change quite often. Just because you had the best price on Optima insurance a year ago you will most likely find a better rate today. So just block out anything you think you know about car insurance because we’re going to show you the things you must know in order to find lower rates on car insurance.

Policy discounts you shouldn’t miss

Auto insurance companies don’t always list all their discounts in a way that’s easy to find, so we took the time to find both well-publicized and also the lesser-known ways to save on car insurance. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Defensive Driver – Taking a course teaching defensive driving skills can save you 5% or more depending on where you live.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Save with a New Car – Insuring a new car can cost up to 25% less compared to insuring an older model.
  • Bundle and Save – If you have multiple policies with one insurance company you will save approximately 10% to 15%.
  • Sign Early and Save – Some companies give discounts for switching policies before your current expiration date. It can save you around 10%.
  • Homeowners Discount – Owning a home may earn you a small savings because owning a home demonstrates responsibility.
  • Life Insurance – Some companies give a break if you buy a life insurance policy as well.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on Optima insurance with select insurance companies.

Drivers should understand that most discount credits are not given to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, car insurance companies aren’t that generous.

To see a list of insurers who offer car insurance discounts, click here to view.

Compare Quotes for Car Insurance

All the larger car insurance companies give insurance quotes directly from their websites. Obtaining pricing is fairly straightforward as you just enter the coverage amounts you desire into the quote form. When complete, the company’s rating system automatically retrieves your credit score and driving record and generates a price based on many factors.

Quoting online simplifies rate comparisons, but the work required to visit different websites and enter the same data into a form is monotonous and tiresome. But it’s very important to do this in order to get the lowest possible prices on car insurance. insurance cheap

A more efficient way to find lower prices uses one form that obtains quotes from several different companies. The form is fast, reduces the work, and makes online price comparison a lot less work. After sending the form, your coverage is rated with multiple companies and you can pick any one of the quotes that you receive. If the quotes result in lower rates, you can click and sign and purchase coverage. This process can be completed in less than 10 minutes and you will know how your current rates stack up.

To save time and compare rates now, click here to open in a new tab and submit your coverage information. If you have a policy now, it’s recommended you replicate the coverages as shown on your current policy. Using the same limits helps guarantee you will have a fair comparison for exact coverage.

Some factors that can determine what Kia Optima insurance costs

It’s important that you understand some of the elements that go into determining your car insurance rates. Knowing what determines base rates helps enable you to make changes that can help you get big savings.

Listed below are some of the factors that factor into your rates.

  • Lower miles equals lower premium – Driving more miles in a year the more you will pay for car insurance. Most companies rate vehicles based upon how you use the vehicle. Cars and trucks not used for work or commuting qualify for better rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Optima can cost quite a bit. Ask your agent if your car insurance coverage shows the proper vehicle usage.
  • Bad driving skills means higher rates – Good drivers get better rates compared to drivers with tickets. Even a single moving violation can increase rates by as much as thirty percent. Drivers who have flagrant citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • Discounts for multiple policies – Many companies provide better rates to insureds who have multiple policies with them. It’s known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even with this discount, you still need to comparison shop to verify if the discount is saving money.
  • Men fork out a little more – Statistics show women tend to be less risk to insure than men. Now that doesn’t mean men are WORSE drivers than women. Men and women have accidents at a similar rate, but the men tend to have more serious accidents. Men also statistically have more aggressive citations like reckless driving and DUI.
  • A lapse in coverage is a bad thing – Allowing your coverage to lapse is a fast way to pay more for car insurance. And not only will insurance be more expensive, but not being able to provide proof of insurance may earn you a steep fine or even jail time.You may have to file a SR-22 with your state motor vehicle department.

Insurance agents can help

When it comes to choosing the right insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine whether you may require specific advice.

  • Can I rate high risk drivers on liability-only vehicles?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I put collision coverage on all my vehicles?
  • Can I afford to buy a different vehicle if my Kia Optima is totaled?
  • What vehicles should carry emergency assistance coverage?
  • Is rental equipment covered for theft or damage?
  • Is my teen driver covered when they drive my company car?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I get a pro-rated refund if I cancel my policy early?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

quote Optima insurance

Do the work, save more money

Consumers who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, high prices, denial of a claim or even policy non-renewal. Whatever your reason, finding a new car insurance company is easier than you think.

In this article, we presented some good ideas how you can reduce Kia Optima insurance prices online. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the best price on car insurance is with the smaller companies.

As you restructure your insurance plan, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice liability coverage limits and discovered at claim time that the savings was not a smart move. Your strategy should be to buy a smart amount of coverage at a price you can afford.