Cheap Insurance for a Kia Optima in San Diego

Would you prefer to buy the cheapest Kia Optima insurance in San Diego? Have you finally had enough of wondering where the money will come from to pay high car insurance rates every month? You are in the same boat as most other people in California.

Insurance for Kia OptimaAstonishing but true, a large majority of drivers kept their coverage with the same car insurance company for a minimum of four years, and virtually 40% of consumers have never even compared rates from other companies. With the average premium in California being $1,390, drivers could save as much as $500 each year by just comparing rate quotes, but most undervalue the rate savings if they changed companies.

You have multiple insurers to pick from, and even though it’s nice to have a selection, more options can take longer to adequately compare rates for Kia Optima insurance in San Diego.

You should take the time to quote other rates quite often because prices are constantly changing. Just because you found the lowest price on Kia Optima insurance in San Diego a few years ago there may be better deals available now. Ignore everything you know about car insurance because I’m going to teach you the only way to lower your annual insurance bill.

Get More Affordable Insurance Costs by Understanding These Factors

The best way to find cheaper insurance is to take a look at some of the factors that come into play when calculating your policy premiums. When consumers understand what influences your rates, this helps enable you to make changes that can help you get lower premium levels.

Listed below are some of the major factors companies use to determine your rate level.

There are several ways to obtain and compare prices from many different California insurance companies. The simplest method to do a complete rate comparison is simply to get online rate quotes.

Comparing free price quotes online is easy and it, replaces the need to spend your day driving to insurance agencies in your area. Doing it all online reduces the need to sit down with an agent unless you prefer the guidance that can only be provided by a licensed insurance agent. Although, it is possible find lower rates online but purchase the actual policy in an agency. Just remember that more quotes will enable you to find better pricing. Some smaller insurers do not give online price quotes, so it’s important to also get rates on coverage from those companies, too.

The following companies are ready to provide free rate quotes in San Diego, CA. If several companies are displayed, it’s highly recommended you get prices from several of them to get the most competitive price.

Kia Optima Insurance Rates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $294 $564 $564 $34 $168 $1,624 $135
Optima EX $370 $792 $524 $32 $156 $1,874 $156
Optima SX $332 $664 $524 $32 $156 $1,708 $142
Get Your Own Custom Quote Go

Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Table data does not factor in specific zip code location which can impact price quotes considerably.

Choosing deductibles

The diagram below highlights how deductible choice and can change Kia Optima insurance costs for different ages of insureds. The price estimates are based on a single female driver, comprehensive and collision coverage, and no policy discounts are applied.

Car insurance buyers beware

Car insurance providers like State Farm, GEICO and Progressive endlessly run ads in print and on television. They all seem to convey the message about how much you will save if you move to them. How is it possible that every company can offer drivers better rates? This is the way they can do it.

Insurance companies quote their cheapest rates for the type of insured that earns them the most money. For example, this type of driver could possibly be over the age of 50, has never had a policy lapse, and drives a lower-performance vehicle. A customer getting a price quote that meets those criteria gets the lowest auto insurance rates and will also save a lot on San Diego Kia Optima insurance if they switch.

Consumers who cannot meet this ideal profile may be forced to pay a higher rate and this results in the customer buying from someone else. If you pay close attention to the ads, they say “people that switch” not “everyone that quotes” save that much. That’s the way companies can truthfully advertise the savings.

Because of the profiling, it is so important to do a rate comparison at every renewal. It is impossible to guess which company will have better rates than you’re paying now.

Three main reasons to buy insurance

Despite the fact that insurance is not cheap in San Diego, paying for insurance is required for several reasons.

First, just about all states have minimum liability requirements which means the state requires a specific minimum amount of liability insurance coverage in order to get the vehicle licensed. 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.

Second, if you have a lien on your Optima, it’s most likely the lender will stipulate that you have comprehensive coverage to guarantee loan repayment. If you do not keep the policy in force, the bank or lender will purchase a policy for your Kia at an extremely high rate and require you to reimburse them for the much more expensive policy.

Third, insurance protects both your vehicle and your assets. It will also reimburse you for all forms of medical expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, your policy will cover the repair costs.

The benefits of insuring your car definitely exceed the cost, specifically if you ever have a liability claim. But the average driver in California is overpaying more than $820 a year so you should quote and compare rates at every renewal to ensure rates are inline.

Save a ton by taking advantage of discounts

The price of auto insurance can be rather high, but there’s a good chance there are discounts that you may not even know about. Larger premium reductions will be automatically applied at quote time, but occasionally some discounts must be specifically requested prior to receiving the credit.Auto insurance discounts

You can save money using discounts, but many deductions do not apply to the whole policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like all those discounts means the company will pay you, you aren’t that lucky.

To locate auto insurance companies that offer many of these discounts in California, click here.

Get rate quotes but buy from a local neighborhood San Diego car insurance agent

Some consumers just prefer to talk to a local agent and often times that is recommended A nice benefit of comparing auto insurance online is that drivers can save money and get cheaper car insurance rates and still have a local agent. Buying insurance from neighborhood agents is important especially in San Diego.

Insurance agency in San DiegoTo help locate an agent, after submitting this simple form, your insurance coverage information is emailed to local insurance agents in San Diego that can provide free San Diego car insurance quotes to get your business. You never need to leave your computer as quotes are delivered directly to your email. You can find the lowest rates AND an agent nearby. If for some reason you want to compare prices from a specific auto insurance provider, you just need to visit that company’s website and submit a quote form there.

When finding a reliable insurance agent, it helps to know the two different types of agencies and how they differ in how they quote coverages. Auto insurance agents in San Diego can be classified as either exclusive or independent agents depending on their company appointments.

Independent Agents

These type of agents are not required to write business for one company and that enables them to quote your coverage with a variety of different insurance companies and find you the best rates. If your premiums go up, they simply move your policy to a different company without you having to go to a different agency. If you need lower rates, you absolutely need to check rates from at a minimum one independent agency to have the best price comparison.

Below is a short list of independent agencies in San Diego that may be able to provide competitive price quotes.

9171 Towne Centre Dr Suite 500San Diego, CA 92122(800) 321-4696View Map

1274 Scott StSan Diego, CA 92106(800) 266-2662View Map

3443 Camino del Rio S #221San Diego, CA 92108(619) 296-6222View Map

More insurance agents

Exclusive Agents

Agents in the exclusive channel can only quote rates from one company and some examples include Farmers Insurance or State Farm. They usually cannot compare other company’s rates so they have no alternatives for high prices. Exclusive agencies receive a lot of sales training on what they offer which helps them sell insurance even at higher premiums.

Shown below is a list of exclusive agents in San Diego that are able to give price quotes.

8888 Clairemont Mesa Blvd nSan Diego, CA 92123(858) 279-2173View Map

11885 Carmel Mountain Rd #905San Diego, CA 92128(858) 451-1915View Map

9920 Mira Mesa Blvd ASan Diego, CA 92131(858) 271-6400View Map

More insurance agents

Finding a good auto insurance agent shouldn’t rely on just a cheap price. Any agent in San Diego should have no problem answering these questions:

Cover all your bases

We’ve covered a lot of techniques to lower your Kia Optima insurance rates in San Diego. It’s most important to understand that the more you quote San Diego car insurance, the higher the chance of saving money. You may even discover the most savings is with a smaller regional carrier. Regional companies may have significantly lower car insurance rates on certain market segments compared to the large companies like Allstate or State Farm.

The cheapest Kia Optima insurance in San Diego can be found both online and also from your neighborhood San Diego agents, so you should compare both to have the best chance of lowering rates. Some auto insurance companies do not offer price quotes online and these small insurance companies prefer to sell through local independent agents.

As you quote San Diego car insurance, make sure you don’t buy less coverage just to save a little money. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits only to discover later that the small savings ended up costing them much more. Your objective should be to buy a smart amount of coverage at a price you can afford.

More information is located at these links: