Save Money on Kia Optima Insurance in Columbus

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It takes a few minutes, but the best way to find cheaper prices for auto insurance rates in Columbus is to begin comparing prices regularly from companies who can sell car insurance in Ohio. This can be done by following these guidelines.

Step 1: Read and learn about car insurance and the things you can control to keep rates in check. Many rating factors that cause rate increases like speeding and an unacceptable credit rating can be controlled by making minor changes to your lifestyle. Continue reading for more information to lower rates and find discounts that you may qualify for.

Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from one company like Progressive or State Farm, while independent agents can provide prices from multiple insurance companies.

Step 3: Compare the new rates to your existing coverage to see if switching to a new carrier will save money. If you find a better price, ensure there is no coverage lapse between policies.

One thing to remember is that you'll want to compare identical deductibles and limits on every quote request and to quote with as many car insurance companies as possible. This ensures a fair price comparison and a complete rate analysis.

Insurance for Kia OptimaIt goes without saying that auto insurance companies don't want customers comparing rates. People who shop around annually are highly likely to move their business because there is a good chance of finding lower rate quotes. Remarkably, a study showed that people who faithfully checked for cheaper rates saved approximately $3,450 over four years compared to other drivers who never compared prices.

If finding the lowest price for insurance is your ultimate objective, knowing the best way to compare insurance coverage can make shopping around easier.

This article will tell you how insurance works and also save some money in the process If you already have coverage, you will definitely be able to reduce premiums using these methods. But Ohio consumers can benefit by having an understanding of the way companies price insurance differently and apply this information to your search.

The best way to get rate comparisons for Kia Optima insurance in Columbus takes advantage of the fact car insurance companies allow for online access to give free rates quotes. All you need to do is give them some information such as daily mileage, the make and model of your vehicles, an estimate of your credit level, and what your job is. Your rating data gets transmitted to multiple top-rated companies and they return cost estimate instantly.

To check car insurance prices now, click here and see if a lower rate is available in Columbus.

The providers in the list below are our best choices to provide price quotes in Columbus, OH. If several companies are displayed, we suggest you get rate quotes from several of them to get the most affordable price.

Insurance analysis for a Kia Optima

The rate table shown next showcases detailed analysis of insurance policy prices for Kia Optima models. Having a better understanding of how insurance policy rates are figured can help you make informed purchases.

Kia Optima Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $94 $182 $290 $18 $86 $670 $56
Optima EX $106 $214 $290 $18 $86 $714 $60
Optima SX $106 $214 $290 $18 $86 $714 $60
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Information does not factor in specific location which can lower or raise premiums significantly.

Where to set your deductibles

A question often asked by Columbus drivers is the level to set your comp and collision deductibles. The premium rates below outline the rate differences of buying low and high physical damage deductibles. The first data table uses a $100 comprehensive and collision deductible and the second price table uses a $500 deductible.

Kia Optima insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $196 $352 $256 $16 $76 $921 $77
Optima EX $220 $416 $256 $16 $76 $1,009 $84
Optima SX $220 $416 $256 $16 $76 $1,009 $84
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Kia Optima insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $142 $238 $256 $16 $76 $728 $61
Optima EX $160 $280 $256 $16 $76 $788 $66
Optima SX $160 $280 $256 $16 $76 $788 $66
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Prices do not factor in vehicle location which can modify coverage prices considerably.

Using the data above, we can ascertain that using a $100 deductible costs an average of $18 more each month or $216 a year averaged for all Optima models than choosing the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you average more than 22 months between claims, you would save money if you choose a higher deductible.

It may be expensive, but it's not optional

Despite the high cost of buying insurance for a Kia Optima in Columbus, buying auto insurance is most likely required but also gives you several important benefits.

  • Almost all states have mandatory liability insurance requirements which means you are required to carry specific limits of liability coverage in order to be legal. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you have a lien on your Optima, it's guaranteed your bank will force you to carry insurance to guarantee loan repayment. If the policy lapses, the bank will be required to insure your Kia for a lot more money and force you to reimburse them the higher premium.
  • Auto insurance protects not only your vehicle but also your financial assets. Insurance will also pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance also covers legal expenses if you cause an accident and are sued. If you have damage to your Kia as the result of the weather or an accident, your auto insurance policy will pay to have it repaired.

The benefits of insuring your Optima greatly outweigh the cost, especially for larger claims. But the average American driver overpays more than $830 a year so you should quote rates every year to save money.

Seven Things That Determine Your Insurance Prices

It's important that you understand a few of the rating criteria that are used to determine your premiums. If you know what influences your rates, this allows you to make good choices that will entitle you to big savings.

  • Youthful drivers cost more - Older insureds are proven to be safer behind the wheel, cost insurance companies less in claims, and usually have better credit. Drivers with little experience are statistically shown to be less responsible with other occupants in the car and because of this, their auto insurance rates are much higher.

    The following chart is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.

  • Do you really need to file those claims? - Auto insurance companies in Ohio generally give the best rates to policyholders that do not abuse their auto insurance. If you are a frequent claim filer, you can expect either higher rates or even cancellation. Your insurance policy is designed for claims that pose a financial burden.
  • Are males or females drivers cheaper? - The statistics show females are less aggressive when driving. However, this does not mean women are better drivers. Females and males cause auto accidents in similar percentages, but the men have costlier accidents. Not only that, but men also get cited for more serious violations such as DWI and reckless driving.

    The chart below illustrates the difference between Kia Optima insurance prices for male and female drivers. The rates are based on a clean driving record, no claims, full physical damage coverage, $250 deductibles, marital status is single, and no policy discounts are applied.

  • Traffic violations can increase premiums - Drivers who don't get tickets receive lower rates than their less careful counterparts. Even a single chargeable violation could increase your next policy renewal substantially. Drivers who get license-revoking violations like DUI or willful reckless driving may need to file a proof of financial responsibility form (SR-22) with their state's licensing department in order to prevent a license revocation.

    The diagram below shows how violations and at-fault claims raise Kia Optima car insurance rates for different age groups. The premiums are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.

  • Safety first - Vehicles that have high safety ratings get lower rates. The safest vehicles reduce injuries and fewer injuries translates into savings for insurance companies passed on to you as lower rates.
  • Get better prices after the wedding - Your spouse may earn you lower rates on your policy. Having a significant other translates into being more responsible and insurance companies like that drivers who are married are more cautious.
  • Liability coverage preserves assets - Your policy's liability coverage is the coverage that protects you if you are responsible for damages caused by your negligence. Your policy's liability insurance provides for a legal defense which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
  • Kia Optima insurance claim data - Companies analyze claim trends for every vehicle when they calculate premium prices for each model. Vehicles that have increased losses will have higher rates. The data below shows the insurance loss data used by companies for Kia Optima vehicles.

    For each policy coverage, the claim probability for all vehicles as a whole is equal to 100. Percentages below 100 suggest a better than average loss history, while numbers above 100 indicate a higher chance of having a claim or an increased probability of a larger loss.

    Kia Optima Insurance Claim Statistics
    Specific Kia Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Kia Optima 115 101 107 133 142 120
    Kia Optima Hybrid 143 115 116 139 158 151

    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

You may need specialized auto insurance coverage

When it comes to adequate coverage, there really isn't a single plan that fits everyone. Everyone's situation is a little different and a cookie cutter policy won't apply.Higher deductibles save money For instance, these questions may help you determine if your situation would benefit from an agent's advice.

  • How can I get my company to pay me more for my totaled car?
  • Does my policy cover me when driving someone else's vehicle?
  • How do I file an SR-22 for a DUI in Ohio?
  • Should I file a claim if it's only slightly more than my deductible?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does my policy pay for OEM or aftermarket parts?
  • What is PIP insurance?
  • Why do I have to buy liability insurance?

If you're not sure about those questions, then you may want to think about talking to an insurance agent. If you don't have a local agent, complete this form or go to this page to view a list of companies.

Don't give up on cheaper premiums

Cost effective Kia Optima insurance is available on the web in addition to local insurance agencies, so get free Columbus auto insurance quotes from both of them in order to have the best price selection to choose from. Some insurance companies don't offer rates over the internet and these smaller companies only sell coverage through independent insurance agencies.

When trying to cut insurance costs, it's very important that you do not buy less coverage just to save a little money. There are too many instances where someone sacrificed full coverage only to regret at claim time that the savings was not a smart move. Your objective should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

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