Looking for cheaper auto insurance rates for your Kia Optima? Using the web to shop for auto insurance can be difficult if you are a beginner to quoting online. But don’t let that discourage you because online price shopping is actually quite simple.
It is always a good idea to price shop coverage before your policy renews since insurance rates trend upward over time. Even if you think you had the lowest price for Optima coverage a couple years back you will most likely find a better rate today. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the quickest way to find better coverage at a better price.
Choosing the best insurance company for you is quite easy. Basically, every driver who has to buy insurance coverage stands a good chance to be able to reduce their rates. Although consumers need to have an understanding of the methods companies use to market insurance on the web and use this information to your advantage.
An important part of buying insurance is that you know some of the elements that come into play when calculating insurance coverage rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that could result in big savings.
Companies that sell car insurance don’t always publicize every available discount very clearly, so we break down some of the best known and the more hidden insurance savings.
As a disclaimer on discounts, some credits don’t apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, companies wouldn’t make money that way.
To see a list of insurers with the best insurance discounts, click here to view.
Car insurance companies such as Allstate, GEICO and Progressive continually stream ads on television and other media. They all seem to make the same claim of big savings after switching to their company. How do they all claim to save you money?
Different companies are able to cherry pick for the type of driver that makes them money. An example of a desirable insured could possibly be between 25 and 40, has no prior claims, and drives less than 7,500 miles a year. A propective insured that hits that “sweet spot” will get very good rates and as a result will probably cut their rates substantially.
Drivers who don’t measure up to this ideal profile must pay a higher premium which usually ends up with business not being written. The ad wording is “people who switch” not “everybody who quotes” save that kind of money. That’s the way companies can advertise the savings. This illustrates why it’s extremely important to compare many company’s rates. It’s not possible to predict the company that will fit your personal profile best.
When it comes to choosing coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.
For example, these questions might point out whether or not you could use an agent’s help.
If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form.
Knowing the specifics of your policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.
Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like rock chips in glass, damage from getting keyed and hail damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.
Coverage for medical expenses – Med pay and PIP coverage kick in for bills like nursing services, ambulance fees and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
Liability coverage – Liability insurance will cover damage that occurs to people or other property. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.
Liability coverage protects against things like funeral expenses, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy higher limits if possible.
Collision – This will pay to fix damage to your Optima resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like colliding with a tree, hitting a mailbox, rolling your car and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.
Discount 2013 Kia Optima insurance is definitely available online and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies may not provide online quoting and these small insurance companies work with independent agents.
We just presented a lot of ways to save on insurance. It’s most important to understand that the more times you quote, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from a small local company.
When you buy insurance online, don’t be tempted to reduce coverage to reduce premium. There have been many situations where consumers will sacrifice full coverage only to regret they didn’t have enough coverage. Your focus should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.
More detailed auto insurance information can be read in these articles: