Buying cheaper coverage for a Kia Optima can be pretty simple, but it relies on a lot of rating factors such as whether you are single or married, if you have a tendency to file claims, and your choice of physical damage deductibles. Drivers in California pay on average $1,474 per year to insure their Optima, but that figure is a projection based on a 40-year-old single female driver with full comprehensive and collision coverage and $250 deductibles.
This brings up the issue that more than likely you’re not a 40-year-old female, you might be married instead of single, and you want different coverage limits than the example. Even a minor difference in the rating criteria used to formulate rates could end up with a large change in the cost of insurance for a Kia Optima.
Auto insurance is unique to each driver, so the only way to find the cheapest coverage for your Kia is to put in the effort to do a thorough rate comparison.
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The trim level of your Optima will have an impact the coverage cost, so the price you will be charged to insure a Optima LX model will be $158 less than the insurance cost for the high end Optima SX trim level, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Estimates do not factor in vehicle garaging location which can impact insurance rates significantly.
Establishing which companies quote the best car insurance rates for a Kia Optima takes a tad more effort in order to find the best price. Each company has a proprietary formula for determining rates in each state, so let’s look at the rankings for the most affordable car insurance companies in Sacramento.
We do need to point out that California car insurance rates are influenced by many factors that can increase the policy price. Improving your credit score, having a teenage driver, or having a fender bender may prompt premium changes that may make certain companies cheaper than competitors.
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USAA quotes some of the most affordable car insurance rates in Sacramento at around $1,155 annually. This is $496 less than the average rate paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide would also be considered some of the more affordable Sacramento, CA car insurance companies.
In the above example, if you are a customer of Wawanesa and switched to USAA, you might realize savings of in the vicinity of $37. Customers with CSAA could save as much as $79 a year, and Nationwide policyholders might realize rate reductions of up to $95 a year.
To find out how your current rates compare, click here to start your custom quote or quote rates from the companies below.
It’s important to note that these policy rates are averaged across all drivers and vehicles in California and and are not figured with a specific zip code for a Kia Optima. So the car insurance company that is best suited for you may not even be in the top 24 companies in the list above. That helps illustrate why you need to get auto insurance quotes using your own driver information and specific vehicle type.
The chart below shows how choosing a deductible can change insurance prices when getting quotes for cheap insurance for a Kia Optima. The premium estimates are based on a married female driver, full physical damage coverage, and no discounts are applied.
In the chart above, a 40-year-old driver could save $360 a year by switching from a $100 deductible to a $500 deductible, or save $544 by using a $1,000 deductible. Younger drivers, like the 20-year-old, have the ability to save $896 or more just by choosing higher deductibles when buying full coverage.
When increasing deductibles, it will now be necessary to have plenty of savings on hand to offset the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Chances are good that you’re overpaying for Optima insurance
California car insurance rates are influenced by many factors which can significantly increase or decrease the price of coverage. Improving your credit score, buying a home, or getting a driving violation can trigger rate changes resulting in some rates now being much cheaper than others.
In addition, insurance companies file new California car insurance rates multiple times each year to reflect underwriting profits or losses. Higher than normal claim frequency or severity can cause price increases, while a better claims history may result in lower-priced Optima insurance rates.
For instance, the chart below shows which companies have the cheapest car insurance in Sacramento, CA for a 30-year-old female driver with a good driving record, no prior claims, and good financial standing. If we estimate prices based on her personal risk profile, USAA has the most affordable car insurance rates in Sacramento at $1,433 per year. This is $218 less than the average premium paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA are also on the list of the best Sacramento, CA auto insurance companies.
Now we will give the driver from above a claim surcharge, less-than-perfect credit, and a blemish on her driving record. Since each insurance company has their own process for filing rates in each state, comparing prices may now present a completely different list of the cheapest Sacramento car insurance companies as shown below.
Grange now has the best insurance rate in Sacramento with Mercury, Allstate, GEICO, and Progressive also being competitive. This example illustrates why it is critical to compare rates to find the most budget-friendly insurance quotes for a Kia Optima. Rates can be altered by many factors and change dramatically, so the most affordable company the last time you shopped your coverage around may now be quite expensive.
How to find the cheapest car insurance for a Kia Optima
The list below shows many money-saving suggestions that can help California drivers locate low-cost car insurance.
- Multi-policy discounts save money
- Ensure your driving record is clean
- If possible, pay for small claims out-of-pocket
- Drop full coverage on older vehicles
- Avoid having at-fault accidents
- Buy a safer vehicle
- Comparison shop at least every other year
The last suggestion is very critical, as was emphasized in the prior article. Car insurance rates fluctuate considerably, so drivers shouldn’t hesitate to buy from a new company if you find a better deal.
Brand loyalty is great, but it’s not a great idea if it’s costing you lots of hard earned cash every month. In just a few minutes you could compare rates and find cheaper car insurance for a Kia Optima in Sacramento.
The agencies below can most likely help you make a decision which auto insurance coverages would be the best in your situation, since some people have coverage questions and would like to have the advice of a professional agent when trying to find the best insurance rates for a Kia Optima. It’s not always simple to find the best coverage yourself, so getting advice from a licensed agent can add peace of mind knowing your policy gives you suitable coverage if you ever need to use it. To locate a Sacramento insurance agent using an interactive map, click the button at the bottom of the list.
- Moira Little – State Farm Insurance Agent
9700 Business Park Dr #304 – Sacramento, CA 95827 – (916) 854-5985
- Foster and Parker Insurance Agency
2020 Hurley Way – Sacramento, CA 95825 – (916) 481-0689
- Cliff Cottam Insurance Services
1111 Howe Ave #535 – Sacramento, CA 95825 – (800) 807-6871
- Bill Batchelder – State Farm Insurance Agent
8887 Folsom Blvd #3a – Sacramento, CA 95826 – (916) 361-3114
- Styrsky Insurance Agency
706 56th St – Sacramento, CA 95819 – (916) 361-8114