2017 Kia Optima Plug-In Hybrid Car Insurance Quotes – 10 Discounts for Best Rates

Scraping up a payment for pricey Kia Optima Plug-In Hybrid insurance can deplete your accounts and force you to prioritize other expenses. Doing a rate analysis can save money and help to cut your insurance bill.

Due to the fact that there are so many companies and agents to choose from, it’s difficult to find the lowest price auto insurance company.

It’s smart to compare prices at least once a year due to the fact that insurance prices are variable and change quite frequently. If you had the lowest rates for Optima Plug-In Hybrid insurance at your last renewal other companies may now be cheaper. Forget all the misinformation about auto insurance because we’re going to show you one of the best ways to find lower rates on auto insurance.

Ways to get insurance quotes

Comparing insurance rates can take hours if you don’t utilize the best way to get rate quotes. You can waste a few hours (or days) talking to local insurance agents in your area, or you can stay home and use online quotes to get the quickest rates.

Most major companies take part in a program that enables customers to enter their policy data once, and each participating company provides a quote based on that data. This prevents consumers from doing quotation requests to every company. To use this form to compare rates click here to open in new window.

The one disadvantage to comparing rates this way is you are unable to specify which carriers you will receive quotes from. So if you want to choose specific providers to compare rates, we put together a list of low cost insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, make sure you use apples-to-apples deductibles and coverage limits on every quote you get. If the quotes have different deductibles you will not be able to determine which company has the best rates.

Big brands don’t always mean big savings

Consumers can’t avoid all the ads that promise big savings for switching from the likes of Progressive, Allstate and Geico. All the ads advertise the message about how much you will save after switching your coverage.

How do they all charge less that you’re paying now? It’s all in the numbers.

Companies quote the lowest rates for the type of driver that makes them money. For example, this type of risk profile could possibly be over the age of 35, has few claims, and drives a lower-performance vehicle. Anybody who meets those qualifications receive the lowest rate quotes and will probably cut their rates substantially.

Insureds who don’t qualify for those criteria will be quoted higher rates which leads to business going elsewhere. If you listen to the ad wording, they say “people who switch” but not “all drivers who get quotes” will save that much if they switch. That’s why insurance companies can confidently lure you into getting a quote.

Because each company has a different risk profile, you should do a quote comparison often. It is impossible to predict with any certainty which company will give you lower rates than your current company.

Do you qualify for discount insurance?

Insurance is neither fun to buy or cheap, but you might already qualify for some discounts that may help make it more affordable. Most are applied when you quote, but a few must be specially asked for prior to getting the savings.

  • Paperwork-free – Many insurance companies will discount your bill up to fifty bucks shop auto insurance on your computer.
  • Government Employee Discount – Federal government employees could qualify for a slight premium decrease for Optima Plug-In Hybrid insurance with select insurance companies.
  • Accident Free – Drivers with accident-free driving histories have much lower rates in comparison with accident-prone drivers.
  • Multiple Policy Discount – When you combine your auto and homeowners insurance with the same insurance company you may earn 10% to 20% off each policy.
  • Early Renewal Discounts – A few insurance companies offer discounts for switching to them early. You could save around 10% when you buy auto insurance online.
  • Mature Driver Discount – Older drivers are able to get a slight reduction on a auto insurance quote for Optima Plug-In Hybrid insurance.
  • Driver’s Ed – Teen drivers should take driver’s ed class as it can save substantially.
  • Defensive Driving Course – Taking a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Smart Student Discounts – This discount could provide a savings of up to 20% or more. Most companies allow this discount until age 25.
  • Theft Deterent System – Vehicles with anti-theft systems have a lower chance of being stolen and will qualify for a discount on a auto insurance quote.

It’s important to understand that most credits do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like all the discounts add up to a free policy, you won’t be that lucky.

Larger insurance companies and some of the premium reductions they offer are included below.

  • American Family may offer discounts for air bags, TimeAway discount, Steer into Savings, mySafetyValet, and good driver.
  • Nationwide includes discounts for defensive driving, Farm Bureau membership, family plan, business or organization, and accident-free.
  • MetLife offers premium reductions for multi-policy, accident-free, defensive driver, good driver, claim-free, good student
  • 21st Century offers discounts for anti-lock brakes, early bird, teen driver, driver training, good student, and student driver.
  • Farmers Insurance policyholders can earn discounts including distant student, mature driver, electronic funds transfer, bundle discounts, homeowner, switch companies, and early shopping.
  • Allstate may include discounts for EZ pay plan discount, passive restraint, auto/life discount, good payer, economy car, and multi-policy.

Check with each insurance company to give you their best rates. Savings might not be available to policyholders in your area. To see insurance companies who offer discounts, follow this link.

What insurance coverages do I need?

When buying proper insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that could help you determine whether your personal situation will benefit from professional help.

  • Are my tools covered if they get stolen from my vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is motorclub coverage worth it?
  • Should I rate my 2017 Kia Optima Plug-In Hybrid as pleasure use or commute?
  • How do I buy GAP insurance?
  • What is the rate difference between pleasure use and commuting?
  • Why do I only qualify for high-risk insurance?
  • Does coverage extend to my business vehicle?
  • Do I benefit by insuring my home with the same company?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Coverages available on your insurance policy

Knowing the specifics of your insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages found on the average insurance policy.

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers 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 coverage pays for claims like hitting a bird, hail damage and falling objects. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability – Liability coverage will cover damages or injuries you inflict on a person or their property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as pain and suffering, emergency aid, repair costs for stationary objects, repair bills for other people’s vehicles and medical services. How much coverage you buy is your choice, but consider buying higher limits if possible.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your Kia Optima Plug-In Hybrid.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally these limits are similar to your liability insurance amounts.

Collision coverages – Collision coverage pays for damage to your Optima Plug-In Hybrid resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as scraping a guard rail, crashing into a ditch, hitting a parking meter, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical expense insurance – Med pay and PIP coverage kick in for short-term medical expenses for things like EMT expenses, doctor visits, ambulance fees and dental work. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

The best insurance company isn’t always the cheapest

As you go through the steps to switch your coverage, you should never skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits only to discover later that it was a big mistake. The ultimate goal is to find the BEST coverage at the best cost, but don’t skip important coverages to save money.

Low-cost 2017 Kia Optima Plug-In Hybrid insurance can be sourced both online and from local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers do not provide online price quotes and usually these smaller companies only sell coverage through independent insurance agencies.

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