View 2001 Kia Optima Car Insurance Rates

Searching for cheaper car insurance rates for your Kia Optima? Locating cheaper insurance for a new or used Kia Optima can turn out to be a lot of work, but you can learn these tips to save time.

There are both good and bad ways to find car insurance online so you’re going to learn the proper way to quote coverages for a Kia and locate the lowest possible price either online or from local insurance agents.

How to Get Cheap Insurance Coverage

Most major insurance companies like State Farm, Allstate and Geico give coverage price quotes on the web. This process is fairly simple as you just enter your personal and coverage information as requested by the quote form. Once you submit the form, the company’s rating system orders credit information and your driving record and provides a quote based on these factors.

This helps simplify price comparisons, but having to visit a lot of sites and complete many quote forms can get tiresome after awhile. Unfortunately, it is important to get many rate quotes in order to get the lowest price.

Quote rates the easy way

An easier way to get multiple rate quotes makes use of a single form that obtains quotes from many companies. This type of form saves time, requires less work, and makes online price comparison much simpler. After sending the form, it gets priced and you can choose any one of the quotes that you receive.

If you find a better price you can simply submit the application and purchase coverage. The entire process takes less than 15 minutes and may save quite a bit of money.

To quickly find out if lower rates are available, simply click here to open in new window and fill out the form. If you have coverage now, it’s recommended you replicate the coverages exactly as they are listed on your policy. This makes sure you will get rate quotes using the exact same coverages.

Pieces of the Kia Optima insurance rate puzzle

Consumers need to have an understanding of the factors that help determine the price you pay for car insurance. Having a good understanding of what influences your rates helps enable you to make changes that will entitle you to lower car insurance prices.

  • Being married is a good thing – Having a wife or husband actually saves money when buying car insurance. Having a spouse translates into being more mature and responsible it has been statistically shown that married couples file fewer claims.
  • Traffic violations increase rates – Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Even one moving violation can bump up the cost by as much as thirty percent. If you have flagrant violations such as DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • More claims means more premium – If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Companies generally give lower rates to people who are claim-free. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Battle of the sexes – Statistics have proven women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Men and women are in accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations like DUI and reckless driving.
  • Don’t get talked into coverage you don’t need – There are a ton of extra bells and whistles that can waste your money when buying car insurance. Coverages like roadside assistance, accident forgiveness and motor club memberships are some examples. These coverages may sound good when talking to your agent, but if you don’t need them get rid of them and save.
  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores can get you lower premiums. Safe vehicles protect occupants better and any reduction in injury severity means lower claim amounts passed on to you as lower rates. If your Kia scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • How credit affects car insurance rates – Credit rating is a big factor in calculating your car insurance rates. Consumers who have high credit ratings tend to be less risk to insure than drivers who have poor credit. If your credit can use some improvement, you could save money insuring your 2001 Kia Optima by repairing your credit.
  • Do you have a high stress job? – Jobs such as lawyers, architects and accountants have higher rates than average due to job stress and long work hours. On the flip side, professions such as farmers, athletes and the unemployed get better rates for Optima coverage.

Save on Kia Optima insurance

Insurance can be prohibitively expensive, but you may find discounts that can drop the cost substantially. Most are applied when you quote, but some may not be applied and must be asked about before being credited. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Senior Discount – Older drivers may be able to get a small decrease in premiums for Optima coverage.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Paperless Signup – Certain companies may give you up to $50 for buying a policy and signing up digitally online.
  • Military Discounts – Having a family member in the military could be rewarded with lower premiums.
  • Multi-policy Discount – When you combine your home and auto insurance with one insurance company you may earn 10% to 20% off each policy.

Consumers should know that many deductions do not apply the the whole policy. Most only reduce individual premiums such as medical payments or collision. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky. But all discounts will cut the amount you have to pay.

Companies that may have some of the above discounts may include but are not limited to:

Double check with all companies you are considering what discounts are available to you. Savings might not be offered in your state.

Tailor your coverage to you

When choosing the right insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Every insured’s situation is different.

For example, these questions can help discover whether your personal situation may require specific advice.

  • Which is better, split liability limits or combined limits?
  • What discounts do I qualify for?
  • Is my camper covered by my car insurance policy?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I need medical payments coverage since I have good health insurance?
  • Does insurance cover damages from a DUI accident?
  • Am I covered when driving in Canada or Mexico?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Car insurance coverage breakdown

Understanding the coverages of your car insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Liability coverage

Liability coverage can cover injuries or damage you cause to people or other property by causing an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as loss of income, bail bonds, medical expenses and medical services. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as chiropractic care, hospital visits, funeral costs, EMT expenses and nursing services. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage pays for damage to your Optima from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a mailbox, scraping a guard rail, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Comprehensive coverage

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, hitting a deer, a tree branch falling on your vehicle, hail damage and rock chips in glass. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Kia Optima.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Don’t break the bank

You just learned some good ideas how you can compare 2001 Kia Optima insurance prices online. The key thing to remember is the more providers you compare, the better your comparison will be. Consumers may even find the lowest priced auto insurance comes from an unexpected company.

People switch companies for many reasons like delays in responding to claim requests, unfair underwriting practices, high rates after DUI convictions and policy cancellation. Whatever your reason, choosing a new company is not as hard as you think.

As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

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