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Kia Optima Insurance Cost

Buying auto insurance by comparing rates online is easy, plus you can save money. The key is to get rates from all companies in order to have the lowest rate quotes.

People who are new to buying insurance may think finding low-cost Optima insurance is going to be difficult. Lowering your Optima insurance rates can be quick and easy. You just need to take a few minutes getting comparison quotes from different insurance companies. This can be accomplished by comparing rates here.

Rates are impacted by these factors

Car insurance premiums on a Kia Optima can fluctuate considerably based upon several criteria. Including but not limited to:

  • Your driving record
  • Credit rating impacts rates
  • Your gender can raise or lower rates
  • Deductible amount directly impacts your rate
  • Crash test rating for your Optima
  • Your claim history
  • Maintaining coverage lowers rates
  • Home ownership saves money

An additional factor that helps determine Optima insurance cost is the year of the vehicle. Newer models cost more than older models so repair costs are higher which may result in higher rates. But newer models may have safety features including a backup camera, automatic crash notification, pedestrian detection, and blind-spot warning system which may lower rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Auto liability insurance

Liability insurance protects you from damage or injury you incur to people or other property in an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Collision insurance

Collision insurance pays for damage to your Kia resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. Collision coverage for your Optima can be pricey, so consider dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive insurance

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The most your auto insurance company will pay is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. PIP is not available in all states and gives slightly broader coverage than med pay.

How Much are Kia Optima Insurance Rates?