Cheap 2019 Kia Optima Hybrid Car 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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Searching for the lowest cost car insurance can appear to be rather challenging for consumers who are beginners to quoting and shopping for insurance on the web. Since there are so many insurance companies available, how can drivers have a chance to compare the different rates to find better car insurance prices?

It’s a good idea to take a look at other company’s rates once or twice a year because car insurance rates are rarely the same from one policy term to another. Just because you had the best rate for Optima Hybrid coverage at your last renewal other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because I’m going to teach you the tricks you need to know to remove unneeded coverages and save money.

Find discounts to get cheap car insurance quotes

Car insurance can be pricey, but you can get discounts that can drop the cost substantially. A few discounts will automatically apply at the time of purchase, but a few must be inquired about before you will receive the discount.

  • Policy Bundle Discount – If you combine your auto and homeowners policies and insure them both with the same insurance company you could save up to 20% off your total premium.
  • Early Signing – A few larger companies give discounts for renewing your policy prior to the expiration date on your current policy. You can save around 10% with this discount.
  • Low Miles Discount – Driving fewer miles could earn lower premium rates due to less chance of an accident.
  • Discount for Life Insurance – If the company offers life insurance, you could get a break if you buy some life insurance too.
  • Payment Discounts – If you pay your bill all at once as opposed to paying monthly you could save up to 5%.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save a little off PIP or medical payments premium.
  • Homeowners Pay Less – Just being a homeowner can save a few bucks since home ownership requires a higher level of personal finance.
  • Save with a New Car – Insuring a new car is cheaper since new vehicles have better safety ratings.
  • Passive Restraints and Air Bags – Options like air bags or motorized seat belts may get savings of up to 25% or more.
  • Senior Discount – Older drivers can possibly qualify for reduced rates for Optima Hybrid coverage.

While discounts sound great, it’s important to understand that many deductions do not apply to the entire cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think you would end up receiving a 100% discount, it’s just not the way it works.

Some of the larger companies that possibly offer some of the above discounts include:

  • Progressive
  • MetLife
  • Mercury Insurance
  • Nationwide
  • AAA

It’s a good idea to ask every company to give you their best rates. Some discounts listed above may not be available in your area. For a list of providers that offer many of these discounts, enter your zip code here.

How to compare free insurance coverage price quotes

Many insurance companies like Progressive, GEICO, Allstate and State Farm allow consumers to get prices directly from their websites. Getting online quotes doesn’t take much effort because it’s just a matter of typing in your coverage preferences into the form. Behind the scenes, their rating system makes automated requests for credit information and your driving record and generates pricing information based on the data you entered.

Online price estimates makes it simple to compare prices but the time required to go to many different websites and enter the same data into a form gets old quite quickly. But it is imperative to do this if you want to get the best price on insurance coverage.

A better way to compare rates uses one form that gets prices from multiple companies. It saves time, reduces the work, and makes rate comparisons much more efficient. Once the form is submitted, it is rated and you can select any of the quote results. If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. This process takes just a few minutes to complete and may save quite a bit of money.

If you want to fill out one form to compare multiple rates now, simply enter your zip code here and complete the simple form. If you have your current policy handy, we recommend you copy identical to your current policy. This helps ensure you are getting comparison quotes for the exact same coverage.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage for your vehicles, there is no one size fits all plan. Everyone’s needs are different.

These are some specific questions may help highlight if you might need an agent’s assistance.

  • What is medical payments coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • What are the best liability limits?
  • Does my liability insurance cover pulling a trailer or camper?
  • What are the financial responsibility laws in my state?
  • What is an SR-22 filing?
  • Am I covered if my car is in a flood?
  • Should I sign the liability waiver when renting a car?
  • How does medical payments coverage work?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, complete your zip code.

Auto insurance policy specifics

Having a good grasp of your auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, hail damage and a broken windshield. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as rolling your car, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage – This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for pain medications, doctor visits, X-ray expenses, prosthetic devices and ambulance fees. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Liability – Liability coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects YOU against claims from other people. It does not cover 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. As an example, you may have policy limits of 25/50/25 which means 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 property.

Liability coverage pays for claims like funeral expenses, structural damage, court costs, repair bills for other people’s vehicles and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Save for a rainy day

As you restructure your insurance plan, never buy less coverage just to save a little money. There have been many situations where an accident victim reduced physical damage coverage to discover at claim time that the savings was not a smart move. Your focus should be to find the BEST coverage at the lowest possible cost, but don’t skip important coverages to save money.

Insureds switch companies for many reasons like lack of trust in their agent, policy cancellation, high prices or even being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new insurance company is easier than you think.

Throughout this article, we presented a lot of ways to get a better price on 2019 Kia Optima Hybrid insurance. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even find the best rates are with a small local company.

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