2015 Kia Optima Insurance Cost – 5 Tips to Save

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 23, 2022

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Find yourself asking why are Kias so expensive to insure or how much does it cost to insure a Kia Optima? The average 2015 Kia Optima insurance rates are $117 per month or $1,398 annually. Read our comprehensive guide and we’ll help you secure cheap car insurance rates for your 2015 Kia Optima LX, 2015 Kia Optima SX Turbo, and even the 2015 Kia Optima SXL Turbo.

Whether you own a 2015 Kia Optima used or a newer model, compare rates immediately by entering your five-digit ZIP code into our FREE quote comparison tool.

Sick and tired of paying out the nose to buy car insurance? You are no different than the majority of other car owners.

Numerous auto insurance companies battle for your business, so it can be very hard to choose a provider to get the best rates possible.

Consumers should take time to take a look at other company’s rates at least once a year due to the fact that insurance rates change quite often. Even if you got the best deal on Optima insurance a few years ago the chances are good that you can find a lower rate today. Block out anything you think you know about insurance coverage because you’re about to find out how to use the internet to get good coverage at a lower rate.

Is the Kia Optima expensive to insure? Let’s take a look.

Take these five discounts and save

Properly insuring your vehicles can get expensive, but there could be available discounts that can drop the cost substantially. Some trigger automatically when you purchase, but less common discounts must be asked for prior to receiving the credit.

  • One Accident Forgiven – Certain companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you could get a discount of approximately 10% to 15%.
  • Payment Discounts – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less on Optima insurance than their less cautious counterparts.
  • 55 and Retired – Older drivers can possibly qualify for a discount up to 10% on Optima insurance.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, you’re out of luck. But any discount will bring down the cost of coverage.

For a list of insurers with discount car insurance rates, follow this link.

How to Compare Insurance Coverage Rates

All the larger insurance coverage companies give coverage price quotes on the web. Getting quotes is pretty easy as you simply enter your coverage preferences as detailed in the form. Upon sending the form, the system sends out for reports for credit and driving violations, such as a speeding ticket, and quotes a price based on many factors. Quoting online streamlines rate comparisons, but having to visit a lot of sites and type in the same information is repetitive and time-consuming. But it is imperative to compare as many rates as possible if you want to find the lowest price.

A more efficient way to find cheaper car insurance rates utilizes a single form to get prices from a lot of companies. The form is fast, eliminates repetitive work, and makes online shopping much simpler. After your information is entered, it gets priced with multiple companies and you can pick any of the quotes that you receive.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. This process takes just a few minutes to complete and you will find out if you’re overpaying now.

To save time and find out if your Kia Optima insurance is too high, click here to open in new window and fill out the form. To compare your current rates, we recommend you enter your coverages exactly as shown on your declarations page. This way, you’re receiving rate comparison quotes for similar insurance coverage.

Which policy gives me the best coverage?

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions can aid in determining if your insurance needs will benefit from professional help.

  • Am I covered when driving a rental car?
  • Will my rates increase for filing one claim?
  • Which is better, split liability limits or combined limits?
  • Should I buy more coverage than the required minimum liability coverage?
  • Who is covered when they drive my 2015 Kia Optima?
  • Where can I find high-risk insurance?
  • Where can I find DUI or SR-22 insurance?
  • Where can I get insurance after a DUI in my state?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

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Insurance Coverage Specifics

Understanding the coverages of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are the normal coverages available from insurance companies.

Uninsured or underinsured coverage

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Kia Optima.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally these coverages are similar to your liability insurance amounts.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like X-ray expenses, chiropractic care, funeral costs and surgery. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Coverage for collisions

This coverage covers damage to your Optima resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a building, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, hail damage and damage from getting keyed. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability car insurance

This can cover damage that occurs to people or other property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like funeral expenses, emergency aid, court costs, attorney fees and medical expenses. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

In conclusion

When trying to cut insurance costs, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where consumers will sacrifice liability coverage limits and discovered at claim time that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

We just covered quite a bit of information on how to compare 2015 Kia Optima insurance prices online. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising. Some small companies often have lower prices on specific markets than their larger competitors like Allstate or State Farm.

To learn more, feel free to check out the following helpful articles:

  • Protect Yourself Against Auto Theft (Insurance Information Insitute)
  • Avoiding Deer Collisions (Insurance Information Insitute)
  • Tread Depth and Tire Safety (State Farm)
  • What is a Telematics Device? (Allstate)
  • Parking Tips to Reduce Door Dings (State Farm)
  • Rental Car Insurance Tips (Insurance Information Insitute)

Use our FREE quote tool to compare rates now!

As you can see, many factors impact your car insurance quotes. For example, the 2020 Kia optima insurance costs will be higher than the 2015 model. But you don’t have to settle for Kia optima insurance with higher than average rates. Get the best 2015 Kia optima price for insurance by entering your five-digit ZIP code into our FREE quote comparison tool below.

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What are the safety ratings for the 2015 Kia Optima?

To calculate your insurance rates, companies will ask is a Kia Optima a reliable car, and is there any recalls on 2015 Kia Optima? 

Companies will also analyze the 2015 Kia Optima safety ratings to determine if it is a high-risk vehicle. See how the 2015 Kia Optima EX scored below.

  • Small overlap front (driver-side): Acceptable
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

A rating of Good is the best score given by the Insurance Institute for Highway Safety. Is a 2015 Kia Optima a good car? It sure is. You’ll see savings from these safety ratings reflected in your insurance costs.

How many miles do Kia Optimas last? These reliable vehicles easily hit 200,000 miles. But is there any recalls on 2015 Kia Optima? Yes, there is an issue with the fuel pipe that can cause leaks. This is one of the biggest 2015 Kia optima complaints.

2015 Kia Optima Compared Against other Vehicles in the Same Class

Are muscle cars expensive to insure? They can be, but officially, the Insurance Institute for Highway Safety classifies the Kia Optima as a midsize four-door sedan. 

Comparing the 2015 Kia Optima to similar vehicles can help you save money, especially if the Kia Optima has a better loss ratio than other midsize four-door sedans.

Is a Kia Optima considered a sports car? Yes, it is so make sure you are comparing the Optima to other sports cars.

Comparing it to the Kia Forte insurance costs is not as helpful because the Forte is a small sedan, not midsize. However, looking at the Honda Accord insurance costs makes sense because it’s in the same vehicle class.

Other comparable midsize four-door sedans are as follows:

One reason the Kia Optima is not one of the cheapest cars to insure is because of higher than average insurance loss ratios. Personal injury loss ratios are substantially worse than average at 33 percent, as is medical payment loss at 42 percent. 

Enhancing the 2015 Kia optima interior is only cosmetic and will not lower your rates. However, the sedan has good r4esale value. What is the Blue Book value of a 2015 Kia Optima? Around $22,500 is how much a 2015 Kia Optima costs. That increases if yours is fully loaded.

How much is a fully loaded Kia Optima? That hits upwards of $38,000 in total. If you’re hoping to upgrade and want to know is the 2020 Kia Optima a good car, try taking one for a test drive.

How much is a 2015 Kia Optima? The 2015 Optima has an average price MSRP of about $15,400.

You now understand why asking what cars are most expensive to insure is trickier to answer than it first appears. What is the cheapest car insurance company for one consumer will be different for someone else. 

While it’s hard to say what is the cheapest car to insure, you can still score cheap 2015 Kia Optima rates by entering your five-digit ZIP code into our FREE quote comparison tool.

References:

  1. https://www.iihs.org/ratings/vehicle/kia/optima-4-door-sedan/2015
  2. https://www.iihs.org/ratings/insurance-losses-by-make-and-model

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