2016 Kia Optima Hybrid Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 13, 2024

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Are you regretting buying an expensive insurance coverage policy? Trust us, there are lots of residents who feel the same.

With vehicle owners having so many choices, it is very difficult to find the cheapest insurer.

You need to compare rates before your next renewal due to the fact that insurance prices change frequently. Just because you found the lowest rate on Optima Hybrid insurance last year you can probably find a lower rate today. Block out anything you think you know about insurance coverage because we’re going to show you the best methods to remove unneeded coverages and save money.

Finding the best rates is not rocket science. If you are paying for car insurance now, you will be able to lower your premiums substantially using this information. But consumers can benefit by having an understanding of how the larger insurance companies price online insurance because it can help you find the best coverage.

These discounts can cut auto insurance rates

Not many people think insurance is cheap, but discounts can save money and there are some available that you may not even know about. Certain credits will be shown at quote time, but lesser-known reductions have to be manually applied prior to receiving the credit.

  • Discount for New Cars – Buying insurance coverage on a new vehicle is cheaper since newer models are generally safer.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you can avoid the installment charge.
  • Theft Deterrent System – Cars, trucks, and SUVs optioned with advanced anti-theft systems have a lower chance of being stolen and will qualify for a discount on a auto insurance quote.
  • Low Mileage Discounts – Low mileage vehicles may enable drivers to earn lower auto insurance rates on the low mileage vehicles.
  • Auto/Life Discount – If the company offers life insurance, you could get a lower auto insurance rate if you buy some life insurance in addition to your auto policy.
  • Own a Home and Save – Just owning your own home may trigger a policy discount on auto insurance because owning a home requires personal responsibility.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can stop better under adverse conditions and the ABS can save up to 10%.

Policy discounts save money, but most discount credits are not given to all coverage premiums. Most only reduce the price of certain insurance coverages like medical payments or collision. Even though it appears adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

A few companies who might offer many of the previously listed discounts may include but are not limited to:

  • State Farm
  • Farmers Insurance
  • AAA
  • USAA

If you need the cheapest auto insurance quotes, ask all companies you are considering to apply every possible discount. All car insurance discounts may not be offered in your area.

Low cost insurance coverage quotes

There are a variety of methods to shop for insurance coverage, but one way is more efficient than others. You could spend the better part of a day driving to insurance companies in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Most major companies participate in a marketplace that allows shoppers to complete one form, and at least one company then gives them pricing for coverage. This system prevents you from having to do repetitive form submissions to every company.

To compare pricing enter your zip code here.

The single downside to using this type of system is buyers cannot specifically choose the insurers you will receive quotes from. So if you want to choose individual companies to compare, we have a listing of companies who write insurance coverage in your area. Click to enter zip code.

Whichever way you use, make sure you are using nearly identical coverage limits with each company. If you are comparing different coverage information it’s not possible to get a fair rate comparison. Just a small difference in coverage limits may cause a big price difference. And when quoting insurance coverage, remember that comparing all the rates in your area will enable you to find the best rates. Some regional insurers cannot provide quotes online, so you should also compare price quotes from them as well.

When do I need an agent’s advice?

When choosing adequate coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether your personal situation would benefit from professional advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is a fancy paint job covered?
  • Can I afford low physical damage deductibles?
  • Do I have coverage when using my vehicle for my home business?
  • How high should my medical payments coverage be?
  • What if I owe more than I can insure my car for?

If you’re not sure about those questions, you might consider talking to an agent. To find an agent in your area, fill out your zip code.

Auto insurance coverages explained

Having a good grasp of your policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on the average auto insurance policy.

Coverage for liability

This coverage provides protection from damage that occurs to other people or property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged property.

Liability insurance covers things such as repair bills for other people’s vehicles, structural damage and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for immediate expenses like rehabilitation expenses, funeral costs, chiropractic care and nursing services. They are often utilized in addition to your health insurance program or if you do not have health coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, falling objects, theft and rock chips in glass. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision insurance

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like damaging your car on a curb, driving through your garage door, sideswiping another vehicle, colliding with another moving vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Kia Optima Hybrid.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Compare but don’t skimp

Low-cost 2016 Kia Optima Hybrid insurance can be purchased from both online companies in addition to local insurance agencies, and you need to price shop both to have the best rate selection. There are still a few companies who do not offer the ability to get quotes online and usually these regional carriers only sell through independent agents.

While you’re price shopping online, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped liability coverage limits and found out when filing a claim that they should have had better coverage. The aim is to purchase a proper amount of coverage for the lowest cost.

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