Consumers Learn How to Pay Less for Kia Optima Insurance

Expensive car insurance can overdraw your personal savings and make it hard to pay other bills. Comparison shopping is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income. Companies like Allstate and Progressive continually hit you with fancy advertisements and it can be hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

You need to check car insurance prices once or twice a year because prices change quite often. Just because you had the best rates on Optima insurance on your last policy there may be better deals available now. There is a lot of bad advice regarding car insurance on the internet, so with this article, you’re going to get some guaranteed methods to reduce your car insurance bill.

How to Compare Car Insurance Costs

Most major insurance companies allow you to get prices for coverage on their websites. Obtaining pricing is quite simple as you just type in your personal and coverage information into the quote form. After the form is submitted, the system obtains credit information and your driving record and quotes a price based on these and other factors. This simplifies rate comparisons, but the time it takes to visit different websites and fill out multiple forms can be a bit repetitive. But it’s absolutely necessary to do this in order to find the lowest car insurance rates.

There is a better way to compare rates

A less time-consuming method to locate the lowest prices makes use of a single form that analyzes rates from several companies at one time. The form is fast, eliminates form submissions, and makes price shopping online a little more enjoyable. After sending the form, it is rated and you can select any of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. The whole process takes less than 15 minutes and can result in significant savings.

If you want to find out how much you’re overpaying now, simply click here to open in new window and complete the simple form. To compare your current rates, we recommend you type in deductibles and limits just like they are on your policy. This guarantees you will be getting rate quotes based on identical coverages.

Do you qualify for discounts?

Insurance can be prohibitively expensive, but there are discounts available that can drop the cost substantially. A few discounts will automatically apply when you quote, but a few must be asked for before being credited. If you don’t get every credit you qualify for, you’re just leaving money on the table.Auto insurance in

  • Use Seat Belts – Requiring all passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Multiple Vehicles – Having multiple vehicles on one policy could earn a price break for each car.
  • Sign Online – A handful of insurance companies will discount your bill up to fifty bucks just for signing your application online.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Drivers Education – Have your child successfully complete driver’s ed class in high school.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount on Optima insurance with a few car insurance companies.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • New Vehicle Savings – Insuring a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.

Drivers should understand that some credits don’t apply to your bottom line cost. Some only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way. Any amount of discount will bring down your overall premium however.

To choose companies offering car insurance discounts, click here to view.

Kia Optima insurance rates have many determining factors

Smart consumers have a good feel for the different types of things that come into play when calculating the price you pay for car insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that can help you get lower car insurance prices.

  • Your age impacts your rates – Older insureds are more cautious drivers, statistically cause fewer accidents and are safer drivers. Young drivers are statistically proven to be careless and easily distracted when behind the wheel therefore car insurance rates are much higher.
  • Do you have a high stress job? – Did you know your job can affect your rates? Jobs such as judges, social workers and dentists have the highest average rates due to stressful work requirements and lengthy work days. Other occupations such as scientists, historians and performers get better rates on Optima insurance.
  • High numbers of claims are not good – Companies award lower rates to policyholders who do not file claims often. If you tend to file frequent claims, you can look forward to higher rates. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
  • Protect yourself with liability coverage – The liability section of your policy provides coverage in the event that you are found liable for damages caused by your negligence. Liability insurance provides for a legal defense starting from day one. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.
  • Sex matters – Statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. They both are in accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to get more serious tickets like reckless driving and DUI. Teenage male drivers are several times more likely to be in an accident and thus pay the highest rates.

Do you really save 40% when you switch?

Drivers can’t ignore all the ads for the lowest price auto insurance by Allstate and Progressive. All the companies have a common claim that you’ll save big if you switch to their company.

How do they all say the same thing? It’s all in the numbers.

Different companies are able to cherry pick for the type of customer they prefer to insure. A good example of a preferred risk could possibly be a mature driver, has no prior claims, and has excellent credit. A customer getting a price quote who fits that profile gets the lowest rates and most likely will save a lot of money.

Potential customers who don’t qualify for this ideal profile will be charged higher premiums and ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” but not “drivers who get quotes” save that much money. This is how insurance companies can confidently make the claims of big savings.

That is why you need to get a wide range of price quotes. It is impossible to predict which car insurance company will have the lowest rates.

Quote more, save more

We’ve covered many ideas to save on Kia Optima insurance. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. You may be surprised to find that the best prices are with the least-expected company. Some small companies may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.

When shopping online for car insurance, never skimp on coverage in order to save money. In many cases, an insured dropped uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. Your focus should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Discount Kia Optima insurance is possible both online and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.