Cheaper 2009 Kia Optima Insurance Quotes

Looking for better insurance rates for your Kia Optima? Having to pay for overpriced Kia Optima insurance can overdraw your checking account, especially in this economy. Shopping your coverage around is free, only takes a few minutes, and is a good way to cut your insurance bill.

Multiple insurance companies compete to insure your vehicles, and it can be difficult to compare rates to discover the definitive cheapest price

You need to price shop coverage every six months due to the fact that insurance rates change quite often. Just because you had the best deal on Optima insurance two years ago you will most likely find a better rate today. So forget anything you know (or think you know) about insurance because you’re about to learn the fastest and easiest way to save money, get proper coverage and the best rates.

If you have car insurance now, you will be able to save some money using this strategy. Buying car insurance is not that difficult. But car owners can benefit from knowing how big insurance companies price insurance differently and take advantage of how the system works.

The method we recommend to compare car insurance company rates takes advantage of the fact most insurance companies will pay a fee to give rate comparisons. All you need to do is provide information like whether or not you need a SR-22, the type of vehicles you drive, an estimate of your credit level, and whether you are single or married. That information is instantly sent to insurance companies and they return rate quotes quickly.

To compare rates now, click here and complete the form.

Do drivers who switch really save $433 a year?

Allstate and Progressive constantly bombard you with ads in print and on television. All the companies make an identical promise that you’ll save big if you switch your policy. But how can every company claim to save you money?

All companies can use profiling for the driver that is profitable for them. For example, a driver they prefer could possibly be between the ages of 40 and 55, a clean driving record, and drives newer vehicles. A customer getting a price quote who fits that profile will get the preferred rates and therefore will cut their rates substantially.

Consumers who don’t measure up to the “perfect” profile will have to pay higher prices which leads to business going elsewhere. The ad wording is “people who switch” not “everybody who quotes” save that much money. That is how insurance companies can advertise the savings.

Because of the profiling, you should compare many company’s rates. It’s impossible to know which car insurance company will fit your personal profile best.

Kia Optima rate determination is complex

Smart consumers have a good feel for the rating factors that come into play when calculating your car insurance rates. Understanding what influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

  • Add-on coverages can add up – There are a ton of extra bells and whistles you can purchase on your 2009 Optima policy. Insurance for vanishing deductibles, better glass coverage and term life insurance may be wasting your money. These may sound like a good investment at first, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Liability insurance protects assets – Liability insurance is the protection in the event that you are found liable for damages caused by your negligence. Liability insurance provides for a legal defense starting from day one. Liability is cheap compared to physical damage coverage, so do not skimp.
  • How’s your driving record? – A bad driving record has a lot to do with how much you pay for insurance. Drivers with clean records receive lower rates than people who have multiple driving citations. Just one ticket may increase your cost by twenty percent. If you have severe violations such as hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
  • Do you have a high stress job? – Did you know that where you work can have an impact on rates? Careers like lawyers, executives and dentists are shown to have the highest average rates attributed to high stress levels and long work days. Other jobs such as actors, historians and homemakers pay the least on Optima insurance.

Discounts are great for lower rates

Insurance can be prohibitively expensive, but there are discounts available that you may not even be aware of. Larger premium reductions will be automatically applied when you quote, but a few must be inquired about before they will apply.

  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Early Signing – Select companies give a discount for buying a policy before your current expiration date. This can save 10% or more.
  • Accident Forgiveness – Some insurance companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Low Mileage – Fewer annual miles on your Kia can qualify you for a substantially lower rate.
  • Accident Free – Drivers who don’t have accidents pay much less when compared with frequent claim filers.
  • Use Seat Belts – Drivers who require all occupants to buckle their seat belts can save up to 15% off your medical payments premium.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
  • Club Memberships – Belonging to certain professional organizations is a good way to get lower rates on your policy on Optima insurance.
  • Driver Safety – Taking part in a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get a discount up to 10% on Optima insurance.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way. Any qualifying discounts will bring down your premiums.

Companies that possibly offer these discounts may include but are not limited to:

It’s a good idea to ask each company how you can save money. Some discounts may not apply in your state.

You may need specialized coverage

When buying adequate coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different and your policy should reflect that. For instance, these questions might help in determining if you will benefit from professional help.

  • Which is better, split liability limits or combined limits?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered when driving a rental car?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered if I crash into my own garage door?
  • Can I make deliveries for my home business?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Insurance coverage options for a Kia Optima

Understanding the coverages of a insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on the average insurance policy.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Kia Optima.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. 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 set the same as your liablity limits.

Auto liability insurance

Liability insurance provides protection from injuries or damage you cause to a person or their property. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as repair costs for stationary objects, court costs, structural damage, medical services and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like EMT expenses, ambulance fees, hospital visits, nursing services and chiropractic care. They are 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 and will also cover any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like vandalism, theft, rock chips in glass and a broken windshield. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage

This coverage covers damage to your Optima resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like backing into a parked car, rolling your car, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Quote often and quote early

When buying insurance coverage, it’s a bad idea to buy poor coverage just to save money. In many cases, an insured dropped collision coverage only to discover later that the few dollars in savings costed them thousands. Your strategy should be to find the BEST coverage at the best price, not the least amount of coverage.

Cheaper 2009 Kia Optima insurance is available both online in addition to many insurance agents, so you should compare both to get a complete price analysis. There are still a few companies who do not provide online quoting and most of the time these regional insurance providers sell through independent agents.

Helpful information