Compare Kia Optima Insurance Quotes in Mesa

How long has it been since you compared more competitive Kia Optima insurance in Mesa? Searching for cheaper insurance for your Kia Optima in Arizona could be a painful process, but you can use a few tricks to save time. There is a better way to buy insurance so we’re going to tell you the best way to quote coverages for a new or used Kia and find the lowest price from Mesa insurance agents and online providers.

It’s a good habit to compare rates periodically because insurance prices are variable and change quite frequently. Even if you got the best deal on Kia Optima insurance in Mesa on your last policy there may be better deals available now. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the tricks you need to know to get good coverage on Kia Optima insurance in Mesa at a lower rate.

The quickest way to compare policy rates for Kia Optima insurance in Mesa is to know the fact most of the bigger providers participate in a system to provide you with a free rate quote. To start a quote, the only thing you need to do is give the companies some data including if a SR-22 is needed, an estimate of your credit level, marital status, and coverage limits. Those rating factors gets transmitted to insurance companies and you will get price comparisons quickly.

To start a quote now, click here then complete the form.

The providers in the list below have been selected to offer free quotes in Mesa, AZ. In order to find cheaper car insurance in Arizona, we suggest you visit two to three different companies to get the best price comparison.

Car insurance data for a Kia Optima

The price information displayed next highlights different coverage prices for Kia Optima models. Having insight into how premiums are determined can help you make decisions on the best policy to buy.

Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Information does not factor in specific location which can change rates substantially.

Higher deductibles lower rates

One frequently asked question is where should you set your physical damage deductibles. The comparisons below may help to conceptualize the difference in cost of buying low and high insurance deductibles. The first pricing table uses a $100 deductible for comp and collision and the second price table uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Rates do not factor in zip code location which can decrease or increase insurance rates substantially.

Based on the above data, using a $100 deductible will cost you roughly $22 more each month or $264 a year than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 18 months between claim filings, you would probably be better off if you choose a higher deductible.

Rate increases following a ticket or accident

The example below highlights how traffic violations and fender-benders impact Kia Optima car insurance costs for each different age category. The price estimates are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

Men versus women drivers and insurance cost

The chart below illustrates the comparison of Kia Optima insurance costs for male and female drivers. The rates are based on no accidents, no driving violations, full coverage, $250 deductibles, marital status is single, and no discounts are applied to the premium.

How much more does full coverage cost?

The illustration below compares Kia Optima yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no claims or driving citations, $1,000 deductibles, single status, and no additional discounts are factored in.

When to buy liability coverage only

There is no exact formula of when to stop paying for physical damage coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is 10% or more of the replacement cost minus the deductible, then it may be the right time to buy liability only.

For example, let’s say your Kia Optima replacement cost is $3,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $2,000 after you pay the deductible. If it’s costing in excess of $200 a year for comprehensive and collision coverage, then you might consider buying liability only.

There are some conditions where only buying liability is not advised. If you still have a loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

These discounts can lower Kia Optima insurance rates

Some companies don’t list every discount they offer in a way that’s easy to find, so we researched a few of the more well known and also the lesser-known credits that may apply to you.

• Bundle and Save – If you can combine your home and auto policy with the same insurance company you could earn a discount of approximately 10% to 15%.
• Good Student – Maintaining excellent grades could provide a savings of up to 20% or more. The good student discount can last well after school through age 25.
• Driver Training Discounts – Passing a defensive driving course can save you 5% or more and also improve your driving technique.
• New Car Discount – Insuring a new Optima may earn a small discount because newer vehicles are generally safer.
• Drive Less and Save – Keeping the miles down on your Kia can earn better premium rates on cars that stay parked.
• Onboard Data Collection – Mesa drivers who agree to allow data collection to look at their driving habits by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they are good drivers.
• Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
• Paperwork-free – Many insurance companies will provide an incentive simply for signing over the internet.
• Homeowners Savings – Owning a house in Mesa may trigger a policy discount on insurance because maintaining a house demonstrates responsibility.
• Theft Deterrent Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen so companies will give you a small discount.

Don’t be shocked that most discounts do not apply to the entire policy premium. Most cut the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, it just doesn’t work that way.

The information below shows the difference between Kia Optima auto insurance costs with and without policy discounts. The premiums are based on a female driver, no violations or accidents, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-policy, claim-free, marriage, and multi-car discounts applied.

Auto insurance companies who might offer these discounts include:

• The Hartford
• American Family
• Progressive
• Travelers
• Farmers Insurance
• USAA
• Liberty Mutual

Before you buy a policy, ask each company or agent how you can save money. Some of the earlier mentioned discounts might not be offered on policies in Mesa. To find insurance companies that have a full spectrum of discounts in Mesa, click this link.

Why you need Optima insurance in Arizona

Despite the high cost, insurance may be required for several reasons.

• Most states have mandatory liability insurance requirements which means the state requires specific limits of liability protection if you want to drive legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you took out a loan on your Optima, most lenders will stipulate that you buy full coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the lender will be forced to insure your Kia for a lot more money and force you to pay for the expensive policy.
• Insurance safeguards not only your vehicle but also your assets. It will also pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if anyone sues you for causing an accident. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.

The benefits of carrying enough insurance definitely exceed the cost, especially for larger claims. Unknowingly, the average driver overpays as much as $810 a year so compare quotes from several companies each time the policy renews to make sure the price is not too high.

Independent versus exclusive insurance agencies

A lot of people still prefer to sit down and talk to an agent and that is OK! Insurance agents are highly skilled in risk management and give you someone to call. One of the great benefits of comparing insurance prices online is that you can obtain better rates and still have a local agent.

After completing this simple form, the coverage information is instantly submitted to participating agents in Mesa who will give you bids and help you find cheaper coverage. You never need to contact any insurance agencies as quotes are delivered immediately to you. If for some reason you want to compare prices from a particular provider, feel free to go to their quote page and give them your coverage information.

Finding the right provider should depend on more than just a cheap price quote. Get answers to these questions too.

• Is auto insurance their primary focus in Mesa?
• Is the agent CPCU or CIC certified?
• How experienced are they in personal risk management?
• How long has their agency been open in Mesa?
• What is their Better Business Bureau rating?
• Is insurance their full-time profession?