Save Money on Kia Optima Insurance in Pittsburgh

The best way we recommend to save money on Kia Optima insurance is to make a habit of comparing prices annually from providers in Pittsburgh.

1. Try to comprehend how insurance works and the things you can change to keep rates down. Many policy risk factors that cause high rates like high-risk driving behaviors and an imperfect credit history can be remedied by making minor changes to your lifestyle.
2. Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO and Allstate, while independent agencies can provide rate quotes from many different companies.
3. Compare the new rate quotes to your current policy to determine if you can save on Optima insurance in Pittsburgh. If you find better rates, make sure the effective date of the new policy is the same as the expiration date of the old one.

One important bit of advice is to make sure you enter the same coverage limits and deductibles on each quote request and and to get rates from as many companies as feasibly possible. This ensures the most accurate price comparison and a thorough selection of prices.

Everyone knows that insurance companies want to keep your business as long as possible. Consumers who get price quotes annually will probably switch companies because they stand a good chance of finding a lower-priced policy. A recent study showed that drivers who shopped around every year saved approximately $3,450 over four years as compared to drivers who never shopped around for better prices.

If finding the cheapest price for car insurance is the reason for your visit, then having some knowledge of the best ways to find and compare insurance rates can save time and money.

The intent of this article is to introduce you to how auto insurance companies operate and also pocket some savings If you currently have auto insurance, you will most likely be able to lower your rates using these techniques. Smart buyers just need to learn the fastest way to compare rates on the web.

Cheaper rates with these discounts on Kia Optima insurance in Pittsburgh

Some insurance providers do not list all available discounts very clearly, so below is a list a few of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy Pittsburgh car insurance online.

• ABS and Traction Control Discounts – Cars equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
• Life Insurance – Select auto insurance companies reward you with a break if you buy some life insurance too.
• Senior Citizens – Drivers that qualify as senior citizens may be able to get a small discount on rates.
• Own a Home and Save – Owning a home in Pittsburgh may trigger a policy discount on auto insurance due to the fact that maintaining a home requires personal responsibility.
• Discount for Multiple Policies – When you combine your auto and home insurance with one insurance company you could earn a discount of up to 20% and get you the cheapest Kia Optima insurance in Pittsburgh.
• Defensive Driving Course – Taking part in a class that teaches driver safety techniques could possibly earn you a 5% discount if your company offers it.
• Renewal Discounts – Some companies give discounts for signing up early. It could save around 10% when you buy Pittsburgh car insurance online.

While discounts sound great, it’s important to understand that some of the credits will not apply to the entire policy premium. A few only apply to individual premiums such as comp or med pay. Despite the appearance that all those discounts means the company will pay you, nobody gets a free ride.

The diagram below shows the difference between Kia Optima yearly insurance costs with and without some available policy discounts. The premium estimates are based on a female driver, a clean driving record, no claims, Pennsylvania state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, safe-driver, multi-car, claim-free, and marriage discounts applied.

Large auto insurance companies and some of their more popular discounts are included below.

• GEICO offers premium reductions for defensive driver, driver training, air bags, military active duty, anti-theft, and daytime running lights.
• Mercury Insurance has discounts for low natural disaster claims, good driver, accident-free, ease of repair, type of vehicle, and multi-policy.
• Farmers Insurance may include discounts for electronic funds transfer, youthful driver, business and professional, homeowner, alternative fuel, pay in full, and teen driver.
• Auto-Owners Insurance discounts include safe vehicle, paperless, company car, safe driver, and student away at school.
• Liberty Mutual may have discounts that include new graduate, exclusive group savings, multi-car, new move discount, preferred payment discount, and good student.
• SAFECO includes discounts for drive less, bundle discounts, multi-car, homeowner, anti-theft, and safe driver.
• Progressive may offer discounts for online quote discount, online signing, homeowner, continuous coverage, multi-policy, multi-vehicle, and good student.
• USAA offers discounts including defensive driver, loyalty savings, safe driver, multi-policy, multi-vehicle, and family discount.

Before you buy a policy, ask each company what discounts are available to you. A few discounts may not be offered in every state. To view companies who offer discounts in Pittsburgh, follow this link.

The companies in the list below have been selected to offer free rate quotes in Pittsburgh, PA. To buy cheap auto insurance in Pittsburgh, it’s highly recommended you get rates from several of them to find the lowest auto insurance rates.

Statistics and details

The table shown next highlights different insurance rates for Kia Optima models. Understanding more about how insurance rates are formulated can aid in making decisions when choosing a new policy provider.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rate quotes do not factor in vehicle location which can revise premium rates considerably.

Deductible analysis

One frequently asked question is how high should the physical damage coverage deductibles be. The figures shown below approximate how much more you’ll pay between low and high insurance deductibles. The first set of rates uses a $100 deductible for physical damage and the second data table uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Prices do not factor in specific zip code location which can influence premium rates significantly.

Using the premium rates above, we can conclude that using a $100 deductible costs approximately $36 more each month or $432 annually than requesting the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 25 months between claims, you would come out ahead if you choose the higher deductible.

The example below demonstrates how deductible levels and can influence Kia Optima insurance costs for each age group. The rates are based on a married female driver, full physical damage coverage, and no other discounts are factored in.

Bad driving habits will cost you more

The illustration below highlights how speeding tickets and at-fault collisions can affect Kia Optima insurance costs for different ages of insureds. The price estimates are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.

Difference between liability only and full coverage rates

The chart below shows the comparison of Kia Optima insurance prices with and without full coverage. The premiums assume a clean driving record, no at-fault accidents, $500 deductibles, drivers are single, and no other discounts are factored in.

When to buy liability coverage only

There is no exact rule to stop paying for full coverage, but there is a guideline you can consider. If the annual cost of having full coverage is 10% or more of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s say your Kia Optima claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after paying your policy deductible. If it’s costing you more than $700 annually for your policy with full coverage, then it may be the right time to buy liability only.

There are some cases where only buying liability is not in your best interest. If you haven’t paid off your loan, you have to keep full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not drop full coverage.

Smart Consumers Can Cut Their Insurance Prices

Smart consumers have a good feel for some of the factors that come into play when calculating the level of your policy premiums. If you have some idea of what determines base rates, this allows you to make good choices that could help you find much lower annual insurance costs. Lots of factors are used when quoting car insurance. Some factors are common sense like an MVR report, although some other factors are less apparent such as your marital status or your commute time.

• What are good liability limits? – A critical coverage on your policy, liability insurance will protect you in the event that a jury decides you are liable for personal injury or accident damage. This coverage provides for a legal defense which can cost thousands of dollars. Liability insurance is pretty cheap compared to physical damage coverage, so insureds should have plenty of protection for their assets.
• Your location is a factor – Having an address in smaller towns and rural areas of the country is a good thing when buying auto insurance. Residents of big cities have congested traffic and longer commute times. Less people living in that area means less chance of accidents.

• The type of vehicle you drive affects your prices – The performance of the car, truck or SUV you are trying to find cheaper insurance for makes a substantial difference in your car insurance bill. The cheapest insurance rates are usually for low performance passenger models, but the final cost of insurance is determined by many other factors.

  The data below is based on a married male driver age 50, full coverage with $250 deductibles, and no discounts or violations. It shows Kia Optima car insurance rates compared to other models of vehicles that have a range of performance rating factors.

• Battle of the sexes – Over time, data shows that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Females and males have accidents at about the same rate, but males get into accidents with more damage. They also get cited for more serious violations like DWI (DUI) or reckless driving.

  The illustration below visualizes the comparison of Kia Optima insurance costs for male and female drivers. The data assumes no driving violations, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, drivers are single, and no policy discounts are applied.

• Kia Optima claim data – Car insurance companies analyze claim trends for every vehicle when they set coverage costs for each model. Vehicles that historically have a higher amount or frequency of claims will cost more for coverage. The table below illustrates the historical insurance loss data for Kia Optima vehicles.

  For each coverage type, the statistical loss for all vehicles averaged together is set at 100. Values that are under 100 suggest a positive loss record, while numbers that are greater than 100 indicate higher probability of having a loss or statistically larger claims.

  
  

  Kia Optima Insurance Claim Statistics

  Vehicle 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

  BETTER

  AVERAGE

  WORSE

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

It’s not one size fits all

When quoting and comparing proper insurance coverage, there really is no one size fits all plan. Everyone’s situation is unique.

For example, these questions can aid in determining whether your personal situation might need an agent’s assistance.

• Does car insurance cover theft of personal property?
• What should my uninsured motorist coverage limits be in Pennsylvania?
• Am I covered when driving in Canada or Mexico?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Why do I need rental car insurance?
• Am I covered when using my vehicle for business?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Getting quotes from local Pittsburgh car insurance agents

Some people still prefer to talk to a local agent and doing that can be a smart decision Agents can help determine the best coverages and help file insurance claims. One of the benefits of getting online price quotes is the fact that drivers can get lower car insurance rates but still work with a licensed agent. Putting coverage with local agents is important especially in Pittsburgh.

After completing this form (opens in new window), your insurance data is transmitted to participating agents in Pittsburgh who will return price quotes to get your business. There is no reason to find an agent on your own since rate quotes are delivered to you directly. If you want to get a comparison quote from a specific insurance company, you can always jump over to their website and fill out their quote form.

The following are agents in Pittsburgh that are able to give comparison quotes for Kia Optima insurance in Pittsburgh.

• Crawford Insurance Agency
  11743 Frankstown Rd – Pittsburgh, PA 15235 – (412) 244-8888 – View Map
• Joe Vojtas Agency – ERIE Insurance
  9800B McKnight Rd #226 – Pittsburgh, PA 15237 – (412) 847-3743 – View Map
• J.S. Smith Insurance Agency
  101 Bellevue Rd Suite 02 – Pittsburgh, PA 15229 – (412) 931-6070 – View Map
• Adriana Pasquini – State Farm Insurance Agent
  735 Copeland St, FL2, Pittsburgh 15232 – FL2, PA 15232 – (412) 904-1268 – View Map

More insurance agents

Finding a good provider should depend on more than just a cheap price. Agents should be asked these questions:

• Do the coverages you’re quoting properly cover your vehicle?
• Who are their largest clients?
• Is auto insurance their primary focus in Pittsburgh?
• Do they carry Errors and Omissions coverage?
• If your car is in the repair shop, do you have coverage for a rental car?
• Is vehicle mileage a factor when determining depreciation for repairs?

Why insurance is not optional

Even though it’s not necessarily cheap to insure a Kia in Pittsburgh, maintaining insurance is required for several reasons.

First, almost all states have mandatory insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance coverage in order to drive the car legally. In Pennsylvania 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.

Second, if you bought your car with a loan, more than likely the lender will force you to buy insurance to guarantee their interest in the vehicle. If coverage lapses or is canceled, the lender may insure your Kia at a much higher premium rate and require you to fork over for it.

Third, insurance protects both your assets and your vehicle. Insurance will also pay for medical expenses for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees in the event you are sued. If your Kia gets damaged, your insurance policy will pay to repair the damage minus the deductible amount.

The benefits of insuring your Optima more than offset the price you pay, especially when you need to use it. As of last year, the average driver in Pennsylvania overpays as much as $869 every year so it’s recommended you shop around at least once a year to ensure rates are inline.

Cheaper insurance is out there

When buying insurance coverage, do not buy less coverage just to save a little money. There have been many situations where an accident victim reduced uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to buy the best coverage you can find at the best price while not skimping on critical coverages.

You just learned some good ideas how to get a better price on Kia Optima insurance in Pittsburgh. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. Consumers may even find the lowest priced insurance comes from some of the lesser-known companies.

Cheap Kia Optima insurance in Pittsburgh is available on the web in addition to many Pittsburgh insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not provide the ability to get quotes online and these small, regional companies sell through independent agents.

More tips and info about insurance is located in these articles:

• Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
• Who Has Cheap Car Insurance for Used Cars in Pittsburgh? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for Uber Drivers in Pittsburgh? (FAQ)
• What Car Insurance is Cheapest for Young Drivers in Pittsburgh? (FAQ)
• Who Has Cheap Car Insurance Rates for College Students in Pittsburgh? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for a Jeep Wrangler in Pittsburgh? (FAQ)
• Who Has Affordable Auto Insurance Rates for a Learners Permit in Pittsburgh? (FAQ)
• How Much are Car Insurance Quotes for Police Officers in Pittsburgh? (FAQ)
• How Can I Save Money on Auto Insurance? (Insurance Information Institute)
• Teen Driver Statistics (Insurance Information Institute)
• Auto Insurance for Teen Drivers (Insurance Information Institute)