Find Cheaper Kia Optima Insurance in Long Beach

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Insurance quote for Kia Optima in Long BeachIt's safe to assume that insurance companies don't want you to look at other companies. Insureds who shop around for cheaper prices will probably switch companies because there is a significant possibility of finding coverage at a cheaper rate. A recent car insurance study discovered that drivers who made a habit of comparing rates saved about $3,500 over four years as compared to drivers who never compared prices.

If finding the cheapest rates on insurance is your intention, then having some knowledge of the best way to shop and compare insurance can save time and money.

If you want to save the most money, the best way to find the cheapest price for Kia Optima insurance is to compare quotes annually from different companies in Long Beach.

Step 1: Try to learn about how auto insurance works and the modifications you can make to keep rates in check. Many rating factors that cause high rates such as traffic violations and poor credit can be eliminated by making minor driving habit or lifestyle changes. Keep reading for additional ideas to keep prices down and find more discounts that you may not know about.

Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like Progressive and State Farm, while agents who are independent can quote rates from many different companies. View rates

Step 3: Compare the new rates to the price on your current policy and determine if cheaper Optima coverage is available. If you find better rates and buy the policy, make sure there is no coverage gap between policies.

One key aspect when comparing rates is that you'll want to make sure you compare the same amount of coverage on each price quote and to quote with as many different companies as possible. Doing this enables an apples-to-apples comparison and the most accurate and complete price analysis.

Compare free Long Beach Kia Optima insurance rate quotes

To get affordable Long Beach auto insurance quotes, there a variety of ways of comparing rate quotes from different companies. The fastest way to find the cheapest insurance rates involves getting comparison quotes online. When price shopping your coverage, obtaining a wide range of quotes will improve the odds of getting more affordable insurance. Not every company provides online Long Beach Optima insurance quotes, so you also need to get prices from those companies as well.

The companies shown below have been selected to offer price comparisons in Long Beach, CA. If multiple companies are listed, we recommend you visit two to three different companies in order to get a fair rate comparison.

Why you need insurance for your Kia vehicle

Even though it can be expensive, buying car insurance is required by state law in California and it also provides benefits you may not be aware of.

  • The majority of states have minimum mandated liability insurance limits which means the state requires specific minimum amounts of liability protection if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If your vehicle has a lienholder, it's guaranteed your bank will require that you have physical damage coverage to protect their interest in the vehicle. If the policy lapses, the lender may have to buy a policy to insure your Kia at a much higher premium rate and force you to pay a much higher amount than you were paying before.
  • Insurance protects both your Kia and your personal assets. It will also reimburse you for all forms of medical expenses for yourself as well as anyone injured by you. Liability coverage also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If your Kia gets damaged, comprehensive and collision coverage will pay to repair the damage.

The benefits of carrying enough insurance definitely exceed the cost, specifically if you ever have a liability claim. But the average driver in California overpays more than $830 a year so smart consumers compare quotes at least once a year to ensure rates are inline.

Rates and other information

The table shown below highlights a range of insurance costs for Kia Optima models. Learning how premiums are determined can assist in making decisions when shopping around.

Kia Optima Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $238 $478 $564 $34 $168 $1,482 $124
Optima EX $270 $564 $564 $34 $168 $1,600 $133
Optima SX $270 $564 $564 $34 $168 $1,600 $133
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Information does not factor in your specific Long Beach location which can impact coverage rates noticeably.

Policy deductibles

When buying insurance, a common question is how high should your deductibles be. The comparison tables below approximate the costs and benefits when you choose different deductibles. The first data table uses a $250 deductible for physical damage and the second pricing table uses a $500 deductible.

Kia Optima insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $342 $576 $500 $30 $150 $1,623 $135
Optima EX $386 $678 $500 $30 $150 $1,769 $147
Optima SX $386 $678 $500 $30 $150 $1,769 $147
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Kia Optima insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $278 $464 $500 $30 $150 $1,422 $119
Optima EX $314 $546 $500 $30 $150 $1,540 $128
Optima SX $314 $546 $500 $30 $150 $1,540 $128
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Prices do not factor in vehicle garaging location which can lower or raise coverage prices noticeably.

We can derive from the above data that using a $250 deductible could cost the average driver approximately $18 more each month or $216 a year than choosing the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you average at least 14 months between claims, you would more than likely save some money by selecting a higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $250 deductibles: $143
Average monthly premium for $500 deductibles (subtract): - $125
Monthly savings from raising deductible: $18
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

Drive safe and save

The information below illustrates how speeding tickets and at-fault fender-benders can influence Kia Optima auto insurance rates for different age groups. The information is based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

Don't overlook these Kia Optima insurance discounts

Some providers do not list all possible discounts very clearly, so the list below contains both the well known and also the lesser-known insurance savings.Insurance discounts

  • Claim-Free Discount - Drivers with accident-free driving histories can earn big discounts in comparison with insureds who have frequent claims or accidents.
  • Paperwork-free - Certain insurance companies will give a small break shop Long Beach auto insurance on the internet.
  • Drivers Education - It's a good idea to have your young drivers participate in a local driver's education class as it can save substantially.
  • Discounts for Responsible Drivers - Drivers who avoid accidents can pay as much as 50% less as compared to drivers with claims.
  • Discount for Home Ownership - Owning a home in Long Beach can help you save on insurance because owning a home is proof that your finances are in order.

Discounts save money, but please remember that most credits do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, it doesn't quite work that way.

The example below shows the difference between Kia Optima premium costs with and without discounts applied. The data assumes a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, claim-free, homeowner, and safe-driver discounts applied.

To see a list of companies that can offer you the previously mentioned discounts in Long Beach, follow this link.

Don't assume everyone needs the same car insurance coverage

When it comes to choosing the best car insurance coverage, there is no one-size-fits-all type of policy. You are unique and a cookie cutter policy won't apply.Drive safe and save Here are some questions about coverages that might point out whether your personal situation would benefit from professional advice.

  • Who is covered when they drive my Kia Optima?
  • How much underlying liability do I need for an umbrella policy?
  • Does every company file a SR-22 automatically?
  • How high should deductibles be on a Kia Optima?
  • How long can I keep a teen driver on my policy?
  • Is pet coverage available?
  • Should I put collision coverage on all my vehicles?
  • What is motorclub and do I need it?

If you can't answer these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.