Cheapest 2008 Kia Optima Insurance Rates in 2023
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UPDATED: Nov 30, 2021
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Drivers have lots of choices when trying to find the lowest priced Kia Optima insurance. They can either waste time contacting agents trying to get quotes or save time using the internet to find the lowest rates.
There are both good and bad ways to shop for auto insurance and you need to know the quickest way to quote coverages for your Kia and locate the best price possible either online or from local insurance agents.
It’s important to do rate comparisons every six months because insurance rates are usually higher with each renewal. If you had the lowest price for Optima insurance a year ago you can probably find a better price now. Don’t believe everything you read about auto insurance online, so we’re going to give you the easiest ways to quit paying high auto insurance rates.
Save money by taking advantage of these ten discounts
Insuring your fleet can be pricey, but you can get discounts to reduce the price significantly. Some discounts apply automatically at the time of quoting, but a few need to be asked about in order for you to get them. If you don’t get every credit you deserve, you’re paying more than you need to.
- Homeowners Discount – Simply owning a home can help you save on insurance because maintaining a house shows financial diligence.
- Student in College – Children who are attending college without a vehicle on campus can be insured at a reduced rate.
- Military Discounts – Having a deployed family member could mean lower rates.
- More Vehicles More Savings – Insuring multiple cars or trucks on the same insurance policy qualifies for this discount.
- Paperless Signup – A few companies may give you up to $50 simply for signing over the internet.
- Multiple Policy Discount – If you insure your home and vehicles with one company you could get a discount of at least 10% off all policies.
- Discount for Life Insurance – Companies who offer life insurance give better rates if you take out life insurance from them.
- Good Students Pay Less – Getting good grades can save 20 to 25%. Earning this discount can benefit you until age 25.
- Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
- Low Mileage – Fewer annual miles on your Kia could be rewarded with lower rates on the low mileage vehicles.
As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. A few only apply to individual premiums such as liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way. But any discount will bring down the amount you have to pay.
Car insurance companies who might offer some of the above discounts are:
- State Farm
- The Hartford
Before buying, ask all companies you are considering which discounts they offer. Some discounts may not apply in your state.
When should I use an insurance agent?
When it comes to buying the best insurance coverage coverage for your personal vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.
For example, these questions can help discover whether you might need professional guidance.
- Can my teen drive my company car?
- Should I buy full coverage?
- I have health insurance so do I need medical payments coverage?
- Does coverage extend to a rental car in a foreign country?
- Do I need rental car coverage?
- How do I buy GAP insurance?
If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.
Do you really save 40% when you switch?
Consumers can’t ignore all the ads for car insurance savings by companies like Allstate, GEICO and Progressive. They all seem to say the same thing of big savings if you move to them.
How does each company make the same claim? It’s all in the numbers.
All the different companies have a preferred profile for the type of customer that is profitable for them. For instance, a desirable insured could possibly be over the age of 50, is a homeowner, and chooses high deductibles. Any new insured who fits that profile will get very good rates and most likely will save when they switch companies.
Potential customers who are not a match for this ideal profile will be charged higher premiums which leads to the driver buying from a lower-cost company. The ads say “customers who switch” not “everybody who quotes” save money. This is how companies can claim big savings.
That is why you should quote coverage with many companies. You cannot predict which company will have the lowest Kia Optima insurance rates.
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Specific coverage details
Understanding the coverages of car insurance helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.
Insurance for medical payments
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like nursing services, doctor visits and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage
Collision insurance will pay to fix damage to your Optima caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like sideswiping another vehicle, backing into a parked car, crashing into a building, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Kia Optima.
Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits do not exceed the liability coverage limits.
Liability insurance can cover injuries or damage you cause to other’s property or people in an accident. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage protects against claims such as repair bills for other people’s vehicles, pain and suffering and bail bonds. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like damage from a tornado or hurricane, damage from getting keyed and damage from flooding. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Be a money saver!
We just showed you many ways to get a better price on 2008 Kia Optima insurance. The key concept to understand is the more providers you compare, the higher your chance of finding lower rates. Consumers could even find that the lowest premiums are with a small mutual company.
Affordable insurance can be bought online and with local insurance agents, so you should compare both to get a complete price analysis. Some insurance providers do not offer online quoting and these regional insurance providers work with independent agents.
As you shop your coverage around, never skimp on critical coverages to save a buck or two. There have been many cases where an insured cut comprehensive coverage or liability limits only to regret that they should have had better coverage. The proper strategy is to buy the best coverage you can find at the best price.
To read more, link through to the following helpful articles:
- Insuring a Leased Car (Insurance Information Insitute)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Things to Know Before you Cancel Insurance (Allstate)
- Information for Teen Drivers (GEICO)
- Bodily Injury Coverage (Liberty Mutual)
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