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Kia Optima Insurance Rates

There are many options when insurance shopping for your Kia vehicle. You can get prices from an insurance agent or shop online to check prices from insurance carriers. Buying auto insurance by getting online quotes is easy and there is a good chance you may find lower rates.

People who are new to shopping for insurance may think buying low-cost Optima insurance is nearly impossible. Cutting your Optima insurance cost can be relatively painless. Drivers just need to take a couple of minutes to compare quotes from different insurance companies. This can be accomplished by completing this short form.

Insurance premiums on a Kia Optima will vary greatly based upon several criteria. Some of these factors include:

  • The performance level of your Optima
  • Your accident history
  • Multiple policies can save money
  • Pleasure use vs. commuting use
  • Extra coverages like towing and rental
  • Whether or not you have claims
  • No coverage lapses saves money
  • Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. New vehicles cost more compared to older Kia models so repair costs are higher which will push premiums up. Conversely, newer vehicles have more advanced features such as a telematics system, all-wheel drive, and adaptive headlights so those may give discounted rates.

To get a better idea how much rates will be for your vehicle, select the year of your Optima below.

Liability - Liability insurance can cover damage that occurs to people or other property in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so buy as much as you can afford.

Collision - Collision insurance covers damage to your Kia resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your Optima 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 or Other Than Collision - This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical costs insurance - Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are used in conjunction with a health insurance plan or if you do not have health coverage. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are Kia Optima Insurance Rates?