Cheaper 2020 Kia Optima Car Insurance Cost 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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Searching for budget-priced car insurance can be impossible for vehicle owners new to quoting and comparison shopping over the internet. With so many agents and insurance companies available, how can vehicle owners have time to compare every possible option in order to find the lowest price available?

If you have car insurance now, you stand a good chance to be able to cut costs considerably using this strategy. The purpose of this post is to familiarize you with how to effectively get price quotes and some tips to save money. But drivers must understand the methods companies use to price online insurance and use this information to your advantage.

These discounts can lower your insurance quotes

Insurance is not inexpensive, but you can get discounts that you may not know about. Some of these discounts will be visible when you get a quote, but some discounts are required to be specifically requested in order for you to get them. If they aren’t giving you every credit you qualify for, you are just wasting money.

  • College Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Auto/Home Discount – If you insure your home and vehicles and place coverage with the same company you may earn nearly 15% which can help you find cheap car insurance.
  • Onboard Data Collection – People who choose to allow data collection to analyze when and where they use their vehicle by installing a telematics device such as State Farm’s In-Drive might get better premium rates if they are good drivers.
  • Membership in Organizations – Being in qualifying clubs or civic groups could earn you a nice discount on your next insurance statement.
  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • Defensive Driving Course – Taking time to complete a driver safety course could cut 5% off your bill if your company offers it.
  • Senior Discount – Older drivers can get a slight reduction on a car insurance quote for Optima insurance.

Discounts lower rates, but some credits don’t apply to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. So even though you would think having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts will help reduce the cost of coverage.

Large insurance companies and some of the premium reductions they offer can be found below.

  • Progressive may offer discounts for continuous coverage, good student, online signing, online quote discount, homeowner, and multi-vehicle.
  • The Hartford offers premium reductions for anti-theft, vehicle fuel type, bundle, driver training, air bag, good student, and defensive driver.
  • Mercury Insurance offers discounts including professional/association, multi-car, location of vehicle, age of vehicle, accident-free, good driver, and good student.
  • GEICO has discounts for emergency military deployment, multi-vehicle, anti-theft, anti-lock brakes, federal employee, and defensive driver.
  • AAA has savings for anti-theft, education and occupation, good student, good driver, and AAA membership discount.
  • State Farm offers discounts for accident-free, Drive Safe & Save, good student, defensive driving training, and safe vehicle.

Before buying, ask every company what discounts are available to you. Some discounts might not be available to policyholders in your state. If you would like to choose from a list of insurers with discount rates, enter your zip code here.

Shop insurance coverage online

All major insurance coverage companies such as Progressive, Allstate and GEICO give pricing direct online. Comparing rates online is pretty easy because you just enter your coverage information into the quote form. When the form is submitted, the company’s rating system requests your credit score and driving record and returns a price.

This makes it simple to compare prices but the time required to go to a lot of sites and enter the same data into a form is a big time waster. But it’s absolutely necessary to compare as many rates as possible if you are searching for the best price on insurance coverage.

An easier way to find cheaper rates makes use of a single form to return rates from multiple companies. The form is fast, eliminates form submissions, and makes quoting online much more efficient. Once the form is submitted, your coverage is rated and you can choose any of the price quotes you receive. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. It takes less than 15 minutes and you will know how your current rates stack up.

To save time and fill out one form to compare multiple rates now, simply enter your zip code here and begin entering your coverage information. To compare your current rates, we recommend you enter coverages and limits as shown on your current policy. This ensures you will get rate quotes for the exact same coverage.

Different people need different insurance coverage coverages

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

These are some specific questions might point out whether your personal situation would benefit from professional advice.

  • How high should deductibles be on a 2020 Kia Optima?
  • What companies insure drivers after a DUI or DWI?
  • Is my state a no-fault state?
  • Why am I required to get a high-risk car insurance policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I missing any policy discounts?
  • Does my insurance cover my expensive audio equipment?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, complete your zip code.

Coverages available on your car insurance policy

Learning about specific coverages of your car insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your Kia Optima.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for short-term medical expenses for things like nursing services, ambulance fees and X-ray expenses. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Collision coverage protection

Collision insurance pays for damage to your Optima resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with a tree, driving through your garage door, crashing into a building and hitting a parking meter. This coverage can be expensive, so you might think about 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.

Liability coverage

Liability coverage provides protection from damage that occurs to a person or their property by causing an accident. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as loss of income, emergency aid, pain and suffering and structural damage. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive insurance

Comprehensive insurance covers 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 pays for things like damage from flooding, damage from a tornado or hurricane, damage from getting keyed and hitting a bird. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

More choices the merrier

We’ve covered many tips how you can shop for 2020 Kia Optima insurance online. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the lowest premium rates come from the smaller companies.

Cheap 2020 Kia Optima insurance is available both online as well as from insurance agents, so get free car insurance quotes from both of them to get a complete price analysis. There are still a few companies who may not have the ability to get a quote online and these smaller companies provide coverage only through independent insurance agents.

People change insurance companies for a variety of reasons including policy cancellation, being labeled a high risk driver, denial of a claim and even poor customer service. No matter why you want to switch, switching insurance coverage companies is actually quite simple.

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