Compare 2010 Kia Optima Insurance Rates

Are you sick and tired of trying to scrape together enough money each month for car insurance? You are no different than the majority of other car owners. Companies like Geico and Progressive continually bombard you with ads and consumers find it hard to ignore the promise of big savings and take the time to shop coverage around.

Don’t miss these discounts

The price of auto insurance can be rather high, but there could be available discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you purchase, but a few need to be specifically requested in order for you to get them. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Low Mileage – Driving fewer miles could be rewarded with a substantially lower rate.
  • Military Rewards – Being on active duty in the military could be rewarded with lower premiums.
  • One Accident Forgiven – A few companies will allow you to have one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off on Optima coverage depending on your company.

It’s important to note that most credits do not apply the the whole policy. Some only reduce specific coverage prices like collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, it doesn’t quite work that way. But all discounts will reduce the amount you have to pay.

Car insurance companies that may have these benefits include:

It’s a good idea to ask all companies you are considering how you can save money. All car insurance discounts may not apply in your state.

Why your Kia Optima insurance rates may be high

Consumers need to have an understanding of some of the elements that play a part in calculating the price you pay for insurance coverage. Having a good understanding of what impacts premium levels allows you to make educated decisions that may reward you with much lower annual insurance costs.

Shown below are some of the factors companies use to determine rates.

  • Your location is important – Residing in a small town has it’s advantages when talking about insurance coverage. City drivers have congested traffic and longer commutes to work. Fewer people means reduced accidents and a lower car theft rate.
  • Occupation reflects on rates – Did you know that where you work can have an impact on rates? Careers like doctors, business owners and stock brokers tend to have the highest rates in part from high stress and lots of time spent at work. On the other hand, jobs such as farmers, students and performers receive lower rates on Optima coverage.
  • Safer cars are cheaper to insure – Safer cars tend to have better insurance rates. Safer cars reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you. If the Kia Optima earned at least four stars on Safercar.gov it may be receiving lower rates.
  • Don’t buy coverages you don’t need – There are a ton of extra coverages you can purchase on your Optima policy. Insurance for roadside assistance, better glass coverage and term life insurance are examples of these. They may seem good when you first buy your policy, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Traffic violations increase rates – Even a single moving violation can increase rates forty percent or more. Good drivers receive lower rates compared to drivers with tickets. Drivers who get flagrant violations like DWI, reckless driving or hit and run convictions may be required to file a SR-22 with the DMV in their state in order to keep their license.
  • Pleasure use or commuting – The higher the mileage driven in a year the higher your rates will be. Most insurance companies charge to insure your cars based on their usage. Autos not used for work or commuting can get a lower rate than vehicles that are driven to work every day. Having the wrong rating on your Optima can result in significantly higher rates. Ask your agent if your insurance coverage declarations sheet is showing the correct usage for each vehicle, because it can save money.
  • Theft deterrents lower rates – Purchasing a vehicle with a theft deterrent system can help bring down rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.

When might I need help?

When choosing the best insurance coverage, there really is no “perfect” insurance plan. Each situation is unique so your insurance should reflect that Here are some questions about coverages that can help discover if your insurance needs may require specific advice.

  • Can I rent a car in Mexico?
  • Can I drive in Mexico and have coverage?
  • Am I covered if I hit a deer?
  • Who is covered when they drive my 2010 Kia Optima?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is borrowed equipment or tools covered if stolen or damaged?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Insurance coverage options for a Kia Optima

Knowing the specifics of your policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are typical coverages available from insurance companies.

Auto liability insurance – This coverage can cover damage that occurs to a person or their property that is your fault. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like structural damage, medical expenses, attorney fees and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Coverage for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses like nursing services, prosthetic devices, doctor visits, surgery and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Comprehensive coverages – This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like fire damage, falling objects and a broken windshield. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision – This coverage pays for damage to your Optima resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like sideswiping another vehicle, colliding with a tree, driving through your garage door, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Never pay more for less

We just showed you a lot of ways to shop for 2010 Kia Optima insurance online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even find the lowest rates come from the least-expected company. These companies can often provide lower rates in certain areas than their larger competitors like State Farm, Geico and Nationwide.

Lower-priced insurance is possible from both online companies and with local insurance agents, so compare prices from both to get a complete price analysis. A few companies do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

When you buy insurance online, it’s not a good idea to buy poor coverage just to save money. In many instances, an insured dropped liability coverage limits to discover at claim time they didn’t purchase enough coverage. Your goal should be to buy enough coverage for the lowest price.

Additional detailed information is located in the articles below: