Save Money on Kia Optima Insurance in Columbus

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.

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.

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.

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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