Ultimate Methods to Getting the Absolute Best Kia Optima Insurance Rates

Expensive auto insurance can overdraw your savings account and make it impossible to make ends meet. Doing a price comparison is free and is an excellent way to slash your bill and have more diposable income.

There are many car insurance companies to purchase coverage from, and although it’s a good thing to be able to choose, it can be more challenging to compare rates and cut insurance costs.

Free Quotes for Auto Insurance

There are multiple methods to shop for auto insurance, but some are easier and takes less work. You could spend your day talking about coverages with insurance agencies in your area, or you can utilize the internet to achieve your goal.

Most major companies participate in an industry program that allows shoppers to enter their coverage request one time, and each participating company returns a rated price based on that information. This eliminates the need for quote requests for every auto insurance company.

To fill out one form to compare multiple rates now click to open in new window.

The only drawback to pricing coverage this way is you can’t choose the companies you want pricing from. So if you want to choose individual companies to receive pricing from, we have assembled a list of low cost auto insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but ensure you are comparing exactly the same coverage limits for each price quote. If you enter mixed coverages it will be very difficult to truly determine the lowest rate. Slightly different coverages may result in large price differences. Keep in mind that quoting more helps locate the best offered rates.

Discounts are great for lower rates

Auto insurance companies don’t always list all their discounts very well, so we break down both well-publicized and the more hidden discounts you could be receiving.

• Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less for Optima insurance than their less cautious counterparts.
• Good Student – Getting good grades can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
• Memberships – Being a member of a professional or civic organization may earn a discount when buying auto insurance for Optima insurance.
• Air Bag Discount – Cars that have air bags or automatic seat belts can receive discounts of more than 20%.
• Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
• Paperwork-free – A few companies may give you up to $50 for buying your policy online.
• More Vehicles More Savings – Having multiple cars or trucks on the same auto insurance policy can get a discount on all vehicles.
• Distant Student – Children who attend school more than 100 miles from home and don’t have a car may be able to be covered for less.
• No Accidents – Good drivers with no accidents pay less compared to accident-prone drivers.
• Bundle and Save – If you insure your home and vehicles with one insurance company you may save approximately 10% to 15%.

It’s important to note that most discount credits are not given to the entire policy premium. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, it just doesn’t work that way.

For a list of companies who offer auto insurance discounts, click here.

Kia Optima insurance rates are influenced by…

It’s important that you understand the factors that help determine auto insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that could result in big savings.

The following are a partial list of the pieces companies use to determine premiums.

• Older drivers save more – Young drivers have a tendency to be more careless behind the wheel so auto insurance rates are higher. Having to add a youthful driver onto your auto insurance can be very expensive. Older drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets.
• Never let your coverage lapse – Having an insurance coverage lapse will be a fast way to increase your auto insurance rates. And not only will your rates increase, but not being able to provide proof of insurance can result in a revoked license or a big fine.
• Your auto insurance rates can be influenced by your job – Careers like doctors, business owners and stock brokers tend to pay the highest rates due to high stress and lengthy work days. On the other hand, professions such as actors, students and retirees have the lowest average rates for Optima insurance.
• Drive less and save money – Driving more miles each year the more you’ll pay to insure your vehicle. Almost all companies apply a rate determined by how the vehicle is used. Cars and trucks not used for work or commuting can get a lower rate than those used for commuting. Ask your agent if your auto insurance coverage shows the proper vehicle usage, because it can save money. Incorrect usage on your Optima may be costing you.
• High credit ratings translate to low rates – Your credit score is a large factor in determining what you pay for auto insurance. Therefore, if your credit history is lower than you’d like, you could pay less to insure your Kia Optima by spending a little time repairing your credit. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers with poor credit.
• Safer occupants lowers premiums – Safer cars tend to have better insurance rates. Safer cars protect occupants better and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders. If the Kia Optima has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.

Your insurance agent down the street

Some consumers would prefer to get advice from a local agent and that is OK! One of the great benefits of price shopping on the web is that you can obtain lower rates and still choose a local agent.

To find an agent, once you fill out this simple form, your insurance data is instantly submitted to local insurance agents who will give you bids for your business. You don’t have to drive around because quoted prices will be sent directly to your email. It doesn’t get any easier! It’s the lowest rates and a licensed agent to work with.

Choosing an insurer needs to be determined by more than just the price. Here are some questions to ask:

• Are there any discounts that you might be missing?
• Are they able to influence company decisions when a claim is filed?
• Which company do they place the most coverage with?
• What is the agency’s Better Business Bureau rating?
• Do they specialize in personal lines coverage?
• Is working in the agency their full-time job?

If you prefer to contact a specific insurance agent in your state, visit this page.

Upon getting satisfactory answers to your questions and a good coverage price, it’s possible that you found an insurance company that can properly service your auto insurance policy.

What is YOUR best insurance company?

As you shop your coverage around, make sure you don’t reduce coverage to reduce premium. There are too many instances where someone sacrificed liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The aim is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

Lower-priced Kia Optima insurance is attainable online and with local insurance agents, so compare prices from both to have the best chance of lowering rates. Some auto insurance companies do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.