Do you want a faster way to compare cheaper Kia Optima Hybrid insurance in Phoenix? Locating cheaper insurance for a Kia Optima Hybrid in Arizona can be difficult, but you can learn the following methods to find lower rates.
There are more efficient ways to compare car insurance rates so you’re going to learn the proper way to quote coverages on a Kia and get the best price possible from both online companies and Phoenix agents.
If you already have coverage or just want to reduce your rates, use these money-saving tips to reduce the price you pay without sacrificing coverage. Obtaining price quotes for the most affordable protection in Phoenix is actually quite simple. Smart buyers only need an understanding of the quickest method to compare price quotes online.
How much is Kia Optima Hybrid insurance in Phoenix?
Many insurance companies such as Allstate and Progressive provide prices for coverage on their websites. Doing online quotes for Kia Optima Hybrid insurance in Phoenix is fairly straightforward as you just type in your required coverages as requested by the quote form. After you submit the form the system requests your credit score and driving record and returns pricing information based on these factors.
This makes it easy to compare insurance prices and it’s very important to get many rate quotes in order to get lower-cost rates.
To compare rates now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have a policy now, it’s recommended you copy your coverages as shown on your current policy. Using the same limits helps guarantee you are getting a price comparison for exact coverage.
The companies in the list below offer quotes in Phoenix, AZ. If several companies are displayed, we recommend you compare several of them in order to find the most competitive rates.
It may be expensive, but it’s not optional
Even though Phoenix Optima Hybrid insurance rates can get expensive, paying for insurance may not be optional for several reasons.
- Almost all states have minimum mandated liability insurance limits which means state laws require a specific level of liability insurance coverage if you want to drive legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your vehicle with a loan, most banks will force you to buy full coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank may buy a policy for your Kia at a more expensive rate and make you pay a much higher amount than you were paying before.
- Insurance protects not only your Kia Optima Hybrid but also your financial assets. Insurance will also pay for medical expenses for not only you but also any passengers injured in an accident. Liability insurance also pays for attorney fees and expenses if you cause an accident and are sued. If you have damage to your Kia as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of insuring your Optima Hybrid definitely exceed the cost, especially for larger claims. On average, a vehicle owner in Phoenix is overpaying more than $865 each year so shop around at every policy renewal to make sure the price is not too high.
Save $435 a year. For real?
Arizona drivers can’t ignore all the ads that claim the cheapest prices by Allstate and Progressive. All the companies tend to make the same promise about saving some big amount if you switch to them.
How is it possible that every company can charge lower premium rates?
Many companies provide the lowest rates for the type of driver they prefer to insure. An example of a driver they prefer may be over the age of 40, carries full coverage, and has great credit. Someone that hits that “sweet spot” will probably get cheap rates and therefore will save when they switch companies.
Consumers who don’t measure up to the requirements will probably have to pay higher rates which translates to the customer buying from a different company. The trick companies use is to say “drivers who switch” but not “all drivers who get quotes” will save that much if they switch. That’s why companies can state the savings.
Because of this risk profiling, you should get price quotes at each policy renewal. Because you never know with any certainty which company will have the lowest rate quotes.
Discounts can help lower rates on Kia Optima Hybrid insurance in Phoenix
Some providers don’t always publicize every possible discount in a way that’s easy to find, so the following is a list of both the well known as well as the least known discounts that may be available.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class if offered at their school.
- Save with a New Car – Putting insurance coverage on a new Optima Hybrid can be considerably cheaper because new model year vehicles have to meet stringent safety requirements.
- Life Insurance Discount – Select insurance companies reward you with a small discount if you purchase auto and life insurance together.
- Distant College Student Discount – Youth drivers who are attending college and won’t have access to an insured vehicle could get you a discount.
- Braking Control Discount – Cars with ABS braking systems or traction control are safer to drive and will save you 10% or more on Optima Hybrid insurance in Phoenix.
- Low Mileage Discounts – Driving less can qualify you for discounted rates on garaged vehicles.
- Driver Training Discounts – Taking a defensive driver course could save 5% or more and easily recoup the cost of the course.
- Online Discount – A few larger online companies give back up to $50 get Phoenix car insurance on the web.
- Discounts for Multiple Vehicles – Insuring multiple vehicles with the same company could earn a price break for each car.
Don’t be shocked that some credits don’t apply to all coverage premiums. Most only cut individual premiums such as comprehensive or collision. So when the math indicates it’s possible to get free car insurance, you’re out of luck.
To locate insurance companies that offer the discounts shown above in Phoenix, follow this link.
Car insurance is available from your local insurance agencies
Certain consumers still like to visit with an insurance agent and we recommend doing that Professional agents are trained risk managers and help in the event of a claim. A good thing about comparing rates online is you may find cheaper premium rates but also keep your business local. Supporting neighborhood insurance agencies is important especially in Phoenix.
After completing this form (opens in new window), your coverage information gets sent to insurance agents in Phoenix who can give free rate quotes for your car insurance coverage. There is no need to even leave your home since price quotes are sent directly to you. If you have a need to get a comparison quote for a specific company, feel free to find their quoting web page and fill out the quote form the provide.
Not all car insurance agents are the same
When looking for a reputable insurance agent or broker, you need to know there are two different types of agencies to choose from. Insurance agencies in Phoenix can either be independent or exclusive. Either one can properly insure your vehicles, but it’s a good idea to understand how they differ since it could factor into the kind of agent you use.
Independent insurance agents are not restricted to one company so they can quote policies with an assortment of companies and help determine which has the cheapest rates. If premiums increase, your agent can switch companies which is easy for the insured. When comparing car insurance rates, it’s a good idea to include multiple independent agents for maximum quote selection. Most independent agents also contract with companies that do not advertise much who may have lower rates.
Below is a list of independent agencies in Phoenix who can help you get comparison quotes.
- American Premier Insurance Agency
16815 S Desert Foothills Pkwy #140 – Phoenix, AZ 85048 – (480) 423-3444 – View Map
- General Southwest Insurance Agency
5628 E Thomas Rd – Phoenix, AZ 85018 – (480) 990-1900 – View Map
- Rodriguez Insurance
5720 N 27th Ave – Phoenix, AZ 85017 – (602) 242-5303 – View Map
Exclusive Insurance Agencies
Exclusive insurance agents can only provide pricing for a single company like AAA, Allstate, and State Farm. These agents are unable to compare other company’s rates so keep that in mind. Exclusive insurance agents receive a lot of sales training on their company’s products and that can be a competitive advantage. Consumers sometimes use the same agent mostly because of the brand legacy and the convenience of having all coverages with one company.
Listed below is a short list of exclusive insurance agencies in Phoenix willing to provide comparison quotes.
- Brian Stevens – State Farm Insurance Agent
21043 N Cave Creek Rd A12 – Phoenix, AZ 85024 – (602) 569-6600 – View Map
- Martha Bueti – State Farm Insurance Agent
3540 E Baseline Rd #115 – Phoenix, AZ 85042 – (602) 243-9209 – View Map
- Jacob Rosell – State Farm Insurance Agent
2218 N 24th St – Phoenix, AZ 85008 – (602) 267-8200 – View Map
Finding the right car insurance agent is decision based upon more than just the price. The following questions are important to ask.
- Do they make recommendations based only on price?
- Do the agents have professional certifications like CPCU or CIC?
- Who is covered by the car insurance policy?
- What company do they have the most business with?
- How long has the business existed?
- Is there a 24/7 contact number?
- Can you use your own choice of collision repair facility?
Having a good grasp of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.
Liability coverages – Liability insurance provides protection from damage that occurs to other’s property or people by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 15/30/10 that means you have a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and $10,000 of coverage for damaged property. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage pays for things like repair bills for other people’s vehicles, attorney fees and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford. Arizona requires minimum liability limits of 15/30/10 but you should consider buying better liability coverage.
Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for immediate expenses such as X-ray expenses, chiropractic care, ambulance fees and doctor visits. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage
Collision coverages – Collision coverage pays for damage to your Optima Hybrid resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for things such as sideswiping another vehicle, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to choose a higher deductible on your Optima Hybrid in order to get cheaper collision rates.
Uninsured and underinsured coverage – This coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.
Since many Arizona drivers carry very low liability coverage limits (which is 15/30/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.
Comprehensive coverages – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things like hitting a deer, hail damage, theft, rock chips in glass and damage from a tornado or hurricane. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
In the end, you can save money
In this article, we covered a lot of techniques to find affordable Kia Optima Hybrid insurance in Phoenix. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Consumers may even find the best premium rates are with a company that doesn’t do a lot of advertising.
When shopping online for auto insurance, you should never skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice liability limits or collision coverage only to regret 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 but still have enough coverage for asset protection.
Drivers change insurance companies for a number of reasons such as being labeled a high risk driver, delays in responding to claim requests, an unsatisfactory settlement offer or even unfair underwriting practices. Whatever your reason, switching companies can be less work than you think.
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Who Has the Cheapest Phoenix Auto Insurance for Ride Shares? (FAQ)
- Who Has the Cheapest Auto Insurance for Teenagers in Phoenix? (FAQ)
- Who Has the Cheapest Phoenix Auto Insurance Quotes for Low Credit Scores? (FAQ)
- Distracted Driving Extends Beyond Texting (State Farm)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Cellphones, Texting and Driving (iihs.org)
- What are my Rights when Filing a Claim? (Insurance Information Institute)