Cheaper 2017 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: Apr 24, 2024

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High-priced Kia Optima insurance can empty your budget and make it tough to pay other bills. Performing a rate comparison can help to make sure you’re not throwing money away.

Numerous car insurance companies battle for your hard-earned dollar, so it can be very hard to choose a insurer and uncover the absolute lowest rate possible.

These discounts can lower insurance coverage rates

Car insurance companies don’t always publicize all available discounts in a way that’s easy to find, so we break down both the well known and also the more inconspicuous discounts that you can inquire about if you buy car insurance online.

  • Cautious Driver Discounts – Safe drivers may receive a discount up to 45% for Optima coverage as compared to drivers with claims.
  • Life Insurance – Larger companies have a small discount if you purchase a life insurance policy as well.
  • Discount for Passive Restraints – Factory air bags can qualify for discounts of 20% or more.
  • Safety Restraint Discount – Buckling up and requiring all passengers to buckle up could cut 10% or more on the medical payments or PIP coverage costs.
  • Low Miles Discount – Low annual miles can qualify you for discounted premium rates on garaged vehicles.
  • Employee of Federal Government – Having worked for a branch of the government could qualify for a slight premium decrease for Optima coverage but check with your company.
  • College Student – who are enrolled in higher education away from home and don’t have a car may be able to be covered for less.
  • Theft Deterrent – Anti-theft and alarm system equipped vehicles are stolen less frequently and therefore earn up to a 10% discount.

Discounts save money, but please remember that many deductions do not apply to all coverage premiums. Some only reduce individual premiums such as collision or personal injury protection. Even though it may seem like you could get a free insurance coverage policy, you aren’t that lucky.

Companies and the discounts they provide are outlined below.

  • State Farm policyholders can earn discounts including Steer Clear safe driver discount, accident-free, defensive driving training, multiple policy, Drive Safe & Save, student away at school, and safe vehicle.
  • American Family may include discounts for accident-free, good driver, air bags, early bird, defensive driver, multi-vehicle, and Steer into Savings.
  • AAA offers premium reductions for good student, multi-policy, education and occupation, AAA membership discount, good driver, and anti-theft.
  • GEICO may have discounts that include military active duty, daytime running lights, anti-theft, seat belt use, and multi-vehicle.
  • Mercury Insurance has discounts for multi-car, good driver, accident-free, low natural disaster claims, anti-theft, and good student.
  • Farmers Insurance discounts include electronic funds transfer, multi-car, switch companies, bundle discounts, and teen driver.
  • Progressive offers discounts for homeowner, multi-policy, good student, multi-vehicle, continuous coverage, and online quote discount.

When comparing rates, check with all the companies which discounts they offer. All car insurance discounts may not be offered in your area. For a list of insurance coverage companies who offer online insurance coverage quotes, enter your zip code here.

First Step: Get free auto insurance quotes

There are a lot of ways you can shop for auto insurance but some are easier and takes less work. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you can utilize the internet to get the quickest rates.

Many of the larger companies belong to a marketplace where insurance shoppers only type in their quote data once, and at least one company returns a rated price based on that information. This saves time by eliminating quote requests for each company. To enter your information into the quoting system, enter your zip code here.

The one disadvantage to getting quotes like this is you cannot specify the companies you will receive quotes from. If you would rather choose specific providers to compare rates, we have assembled a list of auto insurance companies in your area. Click to enter zip code.

You can choose any of those ways to find more affordable coverage, but make sure you compare identical coverages and limits for each price quote. If you are comparing different coverage information you can’t possibly determine the lowest rate for your Kia Optima.

When do I need an agent’s advice?

When it comes to buying coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that may help you determine if your situation would benefit from professional advice.

  • How do I file an SR-22 for a DUI in my state?
  • Am I covered if I break a side mirror?
  • When does my teenage driver need to be added to my policy?
  • Will my insurance pay for OEM parts?
  • Will my rates increase for filing one claim?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my nanny covered when driving my vehicle?
  • Can I afford low physical damage deductibles?

If you don’t know the answers to 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, complete your zip code. It is quick, free and may give you better protection.

Auto insurance 101

Having a good grasp of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverages found on the average car insurance policy.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for immediate expenses for things like ambulance fees, surgery, nursing services and hospital visits. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Liability car insurance

Liability coverage can cover damages or injuries you inflict on other people or property in an accident. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like medical services, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2017 Kia Optima.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto collision coverage

Collision coverage will pay to fix damage to your Optima resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as driving through your garage door, crashing into a building, hitting a mailbox, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like theft, hail damage, rock chips in glass and fire damage. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Buy Smart and Save

You just learned many ways to get a better price on 2017 Kia Optima insurance. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the most savings is with some of the smallest insurance companies. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or GEICO.

Some insurance providers don’t offer online rate quotes and these regional insurance providers work with independent insurance agencies. Low-cost 2017 Kia Optima insurance can be sourced on the web as well as from insurance agents, and you should compare rates from both in order to have the best price selection to choose from.

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