Best Kia Optima Insurance in Atlanta

Finding the cheapest insurance for a Kia Optima in Georgia can normally be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to find auto insurance online and we’ll show you the absolute fastest way to price shop coverage for a new or used Kia and get the lowest price.

It’s a good idea to do price comparisons at least once a year because insurance prices change frequently. Just because you had the best deal on Kia Optima insurance in Atlanta a couple years back you will most likely find a better rate quote today. Forget all the misinformation about auto insurance because you’re about to find out the fastest and easiest way to find the best coverage while lowering your premiums.

If you are already insured or just want cheaper rates, you will benefit by learning to buy cheaper insurance and possibly find even better coverage. Finding the best-priced insurance coverage in Atlanta is not as hard as you think. Smart shoppers just have to know the proper way to shop for insurance from many different companies.

The best way we recommend to compare rates for Kia Optima insurance in Atlanta utilizes the fact almost all companies actually pay money for the chance to compare rate quotes. To begin a comparison, all you need to do is provide a small amount of information like any included safety features, whether you have decent credit, driver ages, and if you went to college. Your rating data is automatically sent to multiple top-rated companies and you will get price comparisons instantly.

To check rates for your Kia Optima now, click here and enter your zip code.

The companies shown below provide free quotes in Atlanta, GA. If multiple companies are shown, it’s highly recommended you click on several of them in order to get a fair rate comparison.

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Premium amounts do not factor in specific Atlanta garaging location which can raise or lower auto insurance rates significantly.

Cost comparison with and without full coverage

The illustration below shows the difference between Kia Optima premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on no tickets, no at-fault accidents, $100 deductibles, married male driver, and no policy discounts are applied.

When to drop comprehensive and collision coverage

There is no set rule of when to drop physical damage coverage, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let’s say your Kia Optima claim settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $2,000 after paying the physical damage deductible. If it’s costing in excess of $200 annually for your policy with full coverage, then you might consider buying liability only.

There are some cases where eliminating full coverage is not in your best interest. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage.

Kia Optima insurance costs by age and gender

The example below compares Kia Optima yearly insurance costs for male and female drivers. The data assumes no accidents, no driving violations, comp and collision included, $250 deductibles, drivers are not married, and no discounts are factored in.

Deductible comparison

One common question asked by Atlanta drivers is how high or low should comp and collision deductibles be. The rates below approximate the difference in cost of buying low and high insurance deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Estimates do not factor in vehicle location which can change premiums substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you roughly $29 more each month or $348 every year than choosing the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 26 months between claim filings, you would probably save some money by selecting a higher deductible.

Lower rates by qualifying for discounts

Companies that sell car insurance don’t always publicize all their discounts in a way that’s easy to find, so below is a list some of the best known and the harder-to-find credits available to bring down your rates.

• Active Military Service – Being on active duty in the military could trigger a small discount.
• Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle their seat belts can save a little off the personal injury premium cost.
• One Accident Forgiven – Not really a discount, but a few companies such as Allstate, Progressive, and GEICO will turn a blind eye to one accident before hitting you with a surcharge so long as you are claim-free prior to being involved in the accident.
• Claim Free – Drivers with accident-free driving histories pay less as opposed to bad drivers.
• Senior Citizen Rates – Drivers over the age of 55 may be able to get a discount up to 10%.
• College Student Discount – Youth drivers who live away from home to go to college and do not take a car to college could qualify for this discount.
• Early Signing – A few car insurance companies allow discounts for signing up prior to your current Optima insurance policy expiration. This can save 10% or more.
• Telematics Data Discounts – People who choose to allow their car insurance company to spy on where and when they drive through the use of a telematics system such as Progressive’s Snapshot could possibly reduce rates as long as they are good drivers.
• Club Memberships – Being a member of qualifying employment or professional organizations is a good way to get lower rates when shopping for car insurance.
• Payment Method – If you pay your entire premium ahead of time rather than spreading payments over time you may have a lower total premium amount.

As a sidenote, most credits do not apply to the whole policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like all those discounts means the company will pay you, nobody gets a free ride.

Some companies that have some of the above discounts include:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• GEICO
• AAA

If you want cheaper Atlanta auto insurance quotes, ask each company or agent to give you their best rates. Savings may not be offered in your area. To find companies who offer free Kia Optima insurance quotes in Georgia, click here to view.

Insurance is not optional but you don’t have to overpay

Despite the high cost of buying insurance for a Kia Optima in Atlanta, insurance is required for several reasons.

• Almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability coverage in order to get the vehicle licensed. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you have a lien on your vehicle, most lenders will require you to buy full coverage to ensure loan repayment if the vehicle is totalled. If you let the policy lapse, the bank will be required to insure your Kia at a much higher premium rate and force you to pay for the expensive policy.
• Insurance protects both your car and your assets. It will also cover medical transport and hospital expenses for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you are sued as the result of an accident. If damage is caused by hail or an accident, comprehensive and/or collision insurance will cover the repair costs.

The benefits of having insurance greatly outweigh the cost, especially for larger claims. According to a 2015 survey, the average American driver is wasting up to $855 a year so you should quote rates every year to be sure current rates are still competitive.

Car insurance quotes from local Atlanta insurance agencies

A small number of people still prefer to buy from a licensed agent and there is nothing wrong with that. Good agents are highly skilled in risk management and help in the event of a claim. One of the benefits of comparing rate quotes online is you may find better rates and also buy local. Buying from and supporting neighborhood insurance agencies is definitely important in Atlanta.

For easy comparison, once you complete this simple form, your information gets sent to local insurance agents in Atlanta that can give you free Atlanta auto insurance quotes for your coverage. It’s much easier because you don’t need to do any legwork because quoted prices will be sent straight to your inbox. In the event you want to get a price quote for a specific company, you would need to find their quoting web page and fill out their quote form.

If you need to find an insurance agent, there are a couple of different types of agents and how they function. Atlanta agents are categorized either independent (non-exclusive) or exclusive. Both can write car insurance policies, but it is a good idea to know how they are different because it can impact the type of agent you choose.

Independent Insurance Agents

Independent insurance agents are not limited to a single company so they can quote policies with many different companies and get you the best rates possible. If they find a cheaper price, the agent simply finds a different carrier and the insured can keep the same agent.

When comparing car insurance rates, you should always contact a few independent agents for the best price selection. Many write coverage with smaller mutual companies that may provide cheaper car insurance rates.

Listed below is a partial list of independent insurance agencies in Atlanta who may provide pricing information.

• Siegel Insurance
  2987 Clairmont Rd #425 – Atlanta, GA 30329 – (404) 633-6332 – View Map
• Morris and Templeton Insurance
  3405 Piedmont Rd NE #500 – Atlanta, GA 30305 – (912) 355-4549 – View Map
• Nationwide Insurance: Kevin Thompson Agency
  216 14th St NW #8 – Atlanta, GA 30318 – (470) 355-1973 – View Map

View more Atlanta agents

Exclusive Insurance Agencies

These agents can only quote rates from one company and some examples include State Farm, AAA, and Liberty Mutual. These agents are not able to place coverage with different providers so always compare other rates. These agents are usually quite knowledgeable on their company’s products which helps them sell insurance even at higher premiums. Drivers often buy from exclusive agents mostly because of the brand name and the convenience of having a single billing for all their coverages.

Shown below is a list of exclusive agencies in Atlanta that can give you comparison quotes.

• Clyde Hill Jr – State Farm Insurance Agent
  3041 N E Expy – Atlanta, GA 30341 – (770) 452-1485 – View Map
• Allstate Insurance: Drew Niess
  3133 Maple Dr NE Ste 100 – Atlanta, GA 30305 – (404) 477-5500 – View Map
• Jerome Johnson, Sr. – State Farm Insurance Agent
  3101 Clairmont Rd b – Atlanta, GA 30329 – (404) 321-6688 – View Map

View more Atlanta agents

Choosing the best insurance agent is decision based upon more than just the price. Some important questions to ask are:

• Is the coverage adequate for your vehicle?
• Which members of your family are coverage by the policy?
• What insurance companies do they work with in Atlanta?
• Where would glass claims be handled in Atlanta?
• What discounts might you be missing?