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Kia Optima Hybrid Insurance Rates

There are many options when buying insurance for your Kia vehicle. You can get prices from an agent or price shop online to compare insurance costs of a lot of car insurance companies. Buying car insurance through online companies is simple to do and there is a good chance you can save money.

Shopping online for car insurance can be a challenge if you have never used online quotes. But don't be discouraged because it's actually quite easy. There are several ways of comparing rates from local car insurance companies. The recommended way to find the cheapest Optima Hybrid insurance cost is to get quotes online. This can be accomplished by getting a quick quote here.

Car insurance premiums on a Kia Optima Hybrid can vary widely subject to many criteria. Some of these factors include:

  • More performance equals higher cost
  • Any accidents you may have
  • Multiple policies can save money
  • Pleasure use vs. commuting use
  • Your birth date
  • Being married may save money
  • Extra coverages like towing and rental
  • Your occupation
  • Your coverage level
  • Whether you own your home

An additional factor that helps determine Optima Hybrid insurance rates is the year of the vehicle. Older models cost less than newer models so the cost to replace them can decrease annual premiums. On the flip side, newer vehicles may have safety features like adaptive cruise control, pedestrian detection, and lane departure warning system which can help offset higher rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your Optima Hybrid below.

Coverage for liability - Optima Hybrid liability coverage can cover damage that occurs to people or other property in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Collision coverage - Collision insurance covers damage to your Kia resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your Optima Hybrid can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to get cheaper Optima Hybrid insurance rates.

Comprehensive coverage (or Other than Collision) - This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the market value of your 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 - Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Insurance for medical payments - Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Personal injury protection coverage is not an option in every state and may carry a deductible.

How Much are Kia Optima Hybrid Insurance Rates?