Cheapest 2007 Kia Optima 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: Jun 4, 2023

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Tired of paying out the nose to insure your Kia every month? You are in the same boat as many other consumers. Because there are so many online and local companies to choose from, it can be diffult for consumers to pick the most affordable insurance company.

It’s a good idea to price shop coverage periodically because rates change regularly. Despite the fact that you may have had the lowest price for Optima coverage last year you can probably find a better price now. Starting right now, block out anything you think you know about car insurance because you’re about to learn the only way to lower your annual insurance bill.

Save money by taking advantage of these discounts

Companies don’t always publicize every available discount very well, so the following is a list of both well-publicized and also the lesser-known savings tricks you should be using. If you don’t get every credit available, you are paying more than you should be.

  • Clubs and Organizations – Affiliation with certain professional organizations could trigger savings on insurance for Optima coverage.
  • New Car Discount – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Air Bag Discount – Cars that have air bags can receive discounts of 20% or more.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • Multiple Cars – Having all your vehicles on the same insurance policy could earn a price break for each car.
  • Sign Early and Save – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It can save you around 10%.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Life Insurance – Some companies give a break if you buy life insurance from them.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.

Drivers should understand that most of the big mark downs will not be given the whole policy. Some only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like it’s possible to get free car insurance, it just doesn’t work that way.

To see a list of insurers who offer insurance discounts, click here.

How to Compare Insurance Coverage

Shopping for lower insurance coverage rates can be a daunting task if you don’t know the best way to get rate quotes. You can waste hours talking about coverages with agents in your area, or you could use the internet to get prices fast.

Many popular insurance companies enroll in a system that enables customers to submit one quote, and every company can give them a price. This prevents consumers from doing quote forms for each company.

To compare 2007 Kia Optima rates using this form now click here to open in new window.

The one disadvantage to comparing rates this way is you cannot specify which insurance companies to get pricing from. If you prefer to choose individual companies to receive pricing from, we have assembled a list of insurance coverage companies in your area. View list of insurance companies.

Whichever method you choose, make sure you use the exact same coverage limits with each company. If you use differing limits it will be impossible to determine the lowest rate for your Kia Optima.

Elements that influence Kia Optima insurance rates

Smart consumers have a good feel for some of the elements that help determine the price you pay for car insurance. Understanding what determines base rates helps enable you to make changes that could result in better car insurance rates.

  • Your age impacts your rates – Older insureds are viewed as being more responsible, statistically cause fewer accidents and are safer drivers. Youthful drivers have a tendency to be careless and easily distracted when behind the wheel and because of this, their car insurance rates are much higher.
  • Pay less if you’re married – Having a spouse can get you a discount on your policy. Marriage usually means you are more responsible and it’s proven that drivers who are married are more cautious.
  • Occupation reflects on rates – Did you know your job can affect your rates? Jobs such as lawyers, business owners and accountants have higher rates than average because of job stress and long work days. On the flip side, occupations like pilots, athletes and homemakers get better rates for Optima coverage.
  • Never let your coverage lapse – Allowing your car insurance policy to lapse will be a sure-fire way to pay more for car insurance. Not only will you pay more, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license.
  • Extra add-on coverages are wasting money – There are a ton of additional coverages that you can buy if you aren’t careful. Coverages like roadside assistance, towing coverage and membership fees may be costing you every month. They may seem good when talking to your agent, but your needs may have changed so get rid of them and save.
  • Rural vs Urban Areas – Choosing to live in a small town has it’s advantages when it comes to car insurance. City drivers have to deal with congested traffic and longer commutes to work. Fewer people means fewer accidents and a lower car theft rate.
  • Lower rates with optional equipment – Purchasing a vehicle with an alarm system can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your vehicle from being stolen.
  • Credit scores impact car insurance rates – Your credit history is a large factor in your rate calculation. If your credit rating is not that good, you could potentially save money when insuring your 2007 Kia Optima by spending a little time repairing your credit. Drivers who have excellent credit tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.

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When should I use an insurance agent?

When choosing adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different and your policy should reflect that. For example, these questions might point out if your situation may require specific advice.

  • Can I rate high risk drivers on liability-only vehicles?
  • What are the financial responsibility laws in my state?
  • What if I owe more than I can insure my car for?
  • Am I covered when driving in Canada or Mexico?
  • Do I need an umbrella policy?
  • How high should deductibles be on a 2007 Kia Optima?
  • Do I need replacement cost coverage on my 2007 Kia Optima?
  • Why does it cost so much to insure a teen driver?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Specifics of your insurance policy

Knowing the specifics of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverages available from insurance companies.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when the “other guys” 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.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability auto insurance

This coverage protects you from damage that occurs to other’s property or people in an accident. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged property.

Liability coverage pays for things like court costs, emergency aid, repair bills for other people’s vehicles, loss of income and bail bonds. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Collision protection

Collision coverage will pay to fix damage to your Optima caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a parking meter, crashing into a ditch, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from a tornado or hurricane, damage from getting keyed, falling objects, hitting a bird and a broken windshield. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like doctor visits, pain medications and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Knowledge is power

Cheap 2007 Kia Optima insurance can be purchased online and also from your neighborhood agents, and you should be comparing both to get a complete price analysis. A few companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

While you’re price shopping online, it’s a bad idea to buy poor coverage just to save money. There are a lot of situations where an insured dropped physical damage coverage only to find out they didn’t have enough coverage. Your aim should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

You just read quite a bit of information on how to shop for insurance online. The most important thing to understand is the more rate quotes you have, the better likelihood of reducing your rate. You may even discover the most savings is with a small local company. Smaller companies can often provide lower rates in certain areas compared to the large companies like State Farm or Progressive.

Additional information can be read on the following sites:

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

What factors affect the cost of insurance for a 2007 Kia Optima?

Several factors can influence the cost of insurance for a 2007 Kia Optima. The key factors include your driving history, age, location, credit score, coverage options, deductible amount, and the overall value of the vehicle. Insurance companies consider these factors to determine the risk associated with insuring a particular vehicle and set the premium accordingly.

How can I find the cheapest insurance for my 2007 Kia Optima?

To find the cheapest insurance for your 2007 Kia Optima, consider the following steps:

  1. Shop around: Obtain quotes from multiple insurance providers to compare prices and coverage options.
  2. Increase deductibles: Opting for higher deductibles can lower your insurance premium. However, make sure you can afford the deductible amount in case of an accident.
  3. Take advantage of discounts: Inquire about available discounts such as safe driver discounts, multi-policy discounts, or discounts for safety features installed in your vehicle.
  4. Maintain a good driving record: A clean driving history with no accidents or traffic violations can help you secure lower insurance rates.
  5. Review your coverage: Evaluate your coverage needs and consider adjusting your policy to meet your requirements. Removing unnecessary coverage can reduce your premium.

Are there any specific insurance providers known for offering affordable coverage for a 2007 Kia Optima?

While the cost of insurance can vary depending on several factors, some insurance providers may be known for offering competitive rates. It’s recommended to contact multiple insurance companies and compare quotes tailored to your specific situation. Some well-known insurance providers to consider include GEICO, Progressive, State Farm, Allstate, and Farmers Insurance.

Is it possible to reduce insurance costs for an older vehicle like the 2007 Kia Optima?

Yes, it’s possible to reduce insurance costs for an older vehicle like the 2007 Kia Optima. Here are a few strategies to consider:

  • Choose liability-only coverage: If your vehicle is older and has a lower value, you might consider dropping comprehensive and collision coverage and opting for liability-only coverage. This can significantly reduce your premium.
  • Explore usage-based insurance: Some insurance providers offer usage-based insurance programs where your premium is based on your actual driving habits. If you don’t drive frequently or drive responsibly, you may be eligible for lower rates.
  • Maintain a good driving record: Avoid accidents, traffic violations, and claims to maintain a good driving record. Insurance companies often offer discounts to policyholders with a clean driving history.
  • Park in a secure location: Parking your vehicle in a secure garage or using anti-theft devices can help lower your insurance costs as they reduce the risk of theft or damage.
  • Inquire about discounts: Ask your insurance provider about any available discounts that specifically apply to older vehicles.

Are there any specific coverage options recommended for insuring a 2007 Kia Optima?

While the recommended coverage options can vary depending on your specific needs and circumstances, here are some common coverage options to consider for insuring a 2007 Kia Optima:

  • Liability coverage: This covers bodily injury and property damage liability if you are at fault in an accident.
  • Collision coverage: This covers the cost of repairing or replacing your vehicle if it is damaged in a collision.
  • Comprehensive coverage: This covers non-collision-related damages to your vehicle, such as theft, vandalism, or damage from natural disasters.
  • Uninsured/underinsured motorist coverage: This protects you if you are involved in an accident with a driver who doesn’t have sufficient insurance coverage.
  • Medical payments coverage: This covers medical expenses for you and your passengers in case of an accident.

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