How Much Does 2012 Kia Optima Insurance Cost?

Searching for lower insurance coverage rates for your Kia Optima? Are you intimidated by the dozens of insurance coverage choices? You’re not alone. People have so many companies to choose from that it can turn into more work than you anticipated to find better rates.

It’s a good habit to check insurance coverage prices before your policy renews since insurance rates are rarely the same from one policy term to another. Just because you found the lowest rates on Optima insurance on your last policy there may be better deals available now. There is a lot of bad information regarding insurance coverage on the web, but I’m going to show you some good information on how to find cheap insurance coverage.

This article will let you in on the best way to quote coverages and some tricks to saving. If you are paying for car insurance now, you will most likely be able to save some money using these tips. Nevertheless, consumers need to learn the way insurance companies sell online because it can help you find the best coverage.

Which Insurance Coverage is Cheapest?

When shopping for insurance coverage there are multiple ways to get quotes from different insurance companies. The best method to find competitive 2012 Kia Optima insurance rates consists of shopping online. This can be done using a couple different methods.

The recommended way to get quotes is an all-inclusive rate comparison click here to open form in new window. This form keeps you from doing a different quote for each company. Completing one form gets rate comparisons from several companies.It’s the quickest way to get rates.

A different way to compare rate quotes is going to the website for every company you want to comare to request a price quote. For examples sake, let’s assume you want to compare USAA, Progressive and Travelers. To get rate quotes you would need to spend time on each company’s site and enter your information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

The least efficient method of getting rate comparisons is to spend time driving to and from local insurance agencies. Buying insurance online has reduced the need for local agents unless you want the professional advice of a local agent. However, consumers can comparison shop online but buy from a local insurance agent.

It’s up to you which method you use, but make sure you use the exact same coverage information for each price quote. If you use higher or lower deductibles it’s impossible to decipher which rate is best. Having just a slight variation in coverage limits may result in large price differences. It’s important to know that obtaining a wide range of quotes helps you find a lower rate.

Don’t be fooled by advertising claims

Companies like Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. All the ads make the same claim of big savings after switching your coverage to them. How does each company claim to save you money? It’s all in the numbers.

All companies are able to cherry pick for the type of customer they prefer to insure. For instance, a desirable insured could possibly be between the ages of 30 and 50, insures multiple vehicles, and chooses high deductibles. A customer that hits that “sweet spot” receives the best rates and therefore will cut their rates substantially.

Drivers who do not match these standards will be quoted higher premiums which usually ends up with the customer not buying. The ads state “customers that switch” not “everybody who quotes” save that kind of money. That’s the way insurance companies can confidently advertise the way they do.

This emphasizes why you should get as many comparisons as possible. Because you never know the company that will give you the biggest savings on Kia Optima insurance.

These factors can influence Kia Optima insurance rates

An important part of buying insurance is that you know some of the elements that play a part in calculating the rates you pay for car insurance. Knowing what determines base rates helps enable you to make changes that will entitle you to better car insurance rates.

Shown below are a few of the “ingredients” that factor into prices.

  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores can get you lower premiums. These vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If your Kia earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Rates may be higher depending on your occupation – Occupations such as real estate brokers, business owners and dentists tend to pay the highest average rates because of high stress levels and long work days. Other occupations such as pilots, historians and retirees have the lowest average rates on Optima insurance.
  • Rural vs Urban Areas – Residing in small towns and rural areas is a positive aspect when it comes to car insurance. Less people living in that area means a lower chance of having an accident and a lower car theft rate. City drivers have to deal with more traffic problems and a longer drive to work. More time on the road translates into higher accident risk.
  • Lower rates with optional equipment – Driving a car with anti-theft technology or alarm system can help bring down rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.

Save with discounts on 2012 Kia Optima insurance

Properly insuring your vehicles can get expensive, but companies offer discounts that you may not even be aware of. Certain discounts will be triggered automatically at quote time, but less common discounts must be inquired about before you will receive the discount.

  • Early Switch Discount – Some companies give discounts for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • Discount for Good Grades – This discount can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Kia could qualify for discounted rates on garaged vehicles.
  • Multi-car Discount – Having more than one vehicle on the same insurance coverage policy qualifies for this discount.
  • College Student – Youth drivers living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount on Optima insurance with a few insurance coverage companies.
  • Paperless Signup – Some insurance companies give back up to $50 for buying your policy online.

It’s important to note that many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. So when the math indicates you could get a free insurance coverage policy, it doesn’t quite work that way. Any qualifying discounts will help reduce your overall premium however.

For a list of companies with the best insurance coverage discounts, click this link.

Tailor your coverage to you

When buying coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine whether or not you might need professional guidance.

  • Where can I find DUI or SR-22 insurance?
  • Am I covered if I hit a deer?
  • Am I covered if I hit my neighbor’s mailbox?
  • How does medical payments coverage work?
  • What can I do if my company denied a claim?
  • Is my 2012 Kia Optima covered for flood damage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I need motorclub coverage?
  • If my 2012 Kia Optima is totaled, can I afford another vehicle?
  • Should I have a commercial auto policy?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Learn about insurance coverages for a Kia Optima

Having a good grasp of your policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Kia Optima.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto liability

This coverage can cover damage or injury you incur to a person or their property. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like repair bills for other people’s vehicles, loss of income, attorney fees, structural damage and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hitting a bird, damage from a tornado or hurricane, falling objects, rock chips in glass and fire damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as backing into a parked car, crashing into a ditch, crashing into a building and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses like nursing services, dental work, funeral costs and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

More effort can pay off

Discount 2012 Kia Optima insurance can be found from both online companies and with local insurance agents, and you should be comparing both to have the best rate selection. Some companies do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

Consumers who switch companies do it for a variety of reasons including questionable increases in premium, high prices, policy non-renewal and even delays in responding to claim requests. No matter why you want to switch, choosing a new insurance company can be less work than you think.

You just read many tips how you can get a better price on insurance. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even find the best price on insurance coverage is with a smaller regional carrier.

Much more information about insurance coverage can be read at these links: