Finding low cost Kia Optima Plug-In Hybrid insurance in Phoenix can be nearly impossible for drivers not familiar with quoting coverage prices online. Because there are so many insurance companies available, it can quickly become a big hassle to find a more affordable company.
Unbelievable but true according to a study the vast majority of consumers in Arizona have remained with the same car insurance company for well over three years, and nearly 40% of drivers have never shopped around. The average driver in the United States can cut their rates by as much as 46.5% a year just by comparing rates, but they don’t believe the amount of money they would save if they replace their high priced policy.
Locating the best rates in Phoenix is easy if you know what you’re doing. Just about every vehicle owner who buys auto insurance will most likely get better rates. Although Arizona car owners should learn the way insurance companies determine premium rates and take advantage of how the system works.
To find inexpensive Phoenix car insurance quotes, there are several ways to compare rate quotes from many car insurance companies in Arizona. The fastest way to compare insurance prices is simply to get online rate quotes. It’s important to know that comparing a wide range of rates helps you find better pricing.
The auto insurance companies shown below provide free quotes in Arizona. If multiple providers are shown, we suggest you click on several of them in order to find the cheapest rates.
Discounts mean cheaper rates for Kia Optima Plug-In Hybrid insurance in Phoenix
Car insurance companies don’t always advertise all their discounts in an easy-to-find place, so the list below contains some of the best known as well as some of the hidden discounts that you can inquire about if you buy Phoenix car insurance online.
- Use Seat Belts – Drivers who require all vehicle occupants to buckle their seat belts could cut 10% or more off PIP or medical payments premium.
- Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a lower price if you buy life insurance from them.
- Low Mileage Discounts – Driving less may enable drivers to earn discounted prices on garaged vehicles.
- Driver’s Ed – Have your child complete a driver education course as it will make them better drivers and lower rates.
- Theft Prevention Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and earn discounts up to 10% off your Phoenix car insurance quote.
- Good Driver Discount – Safe drivers may save up to 50% more than drivers with accident claims.
- Discounts for Government Workers – Being employed by or retired from a federal job can earn a discount up to 10% depending on your car insurance provider.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents so you can save 10 percent or more.
- Multi-car Discount – Purchasing coverage when you have several vehicles with the same car insurance company could earn a price break for each car.
- Sign Early and Save – Select larger companies give a discount for buying a new policy prior to your current Optima Plug-In Hybrid insurance policy expiration. You could save around 10% when you buy Phoenix car insurance online.
A little disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like comp or med pay. Even though the math looks like having all the discounts means you get insurance for free, nobody gets a free ride.
To choose car insurance companies who offer online Kia Optima Plug-In Hybrid insurance quotes in Arizona, click here.
Smart Buyers Can Cut Their Insurance Costs
Multiple criteria are part of the calculation when premium rates are determined. Some are obvious such as traffic violations, but other criteria are not quite as obvious like your vehicle usage or how financially stable you are. It’s important that you understand some of the factors that go into determining the price you pay for car insurance. When consumers understand what controls the rates you pay, this enables you to make decisions that could result in lower car insurance prices.
The factors shown below are some of the major factors car insurance companies consider when setting premiums.
Cheaper rates for prior coverage – Driving your car without having proper coverage is against the law and any future policy may cost more because you let your coverage cancel without a new policy in place. Not only will you pay higher rates, the inability to provide proof of insurance might get you fines or a revoked license.
The type of vehicle makes a difference – The performance level of the car or truck you own makes a significant difference in your car insurance bill. Since the Kia Optima Plug-In Hybrid is classified as a passenger car, insurance will be similar in price or lower as compared to the average rate in Phoenix. Economy passenger vehicles normally have pretty low rates, but that’s not the only thing that factors into the final price.
Improve your credit rating – A driver’s credit history factor in determining what you pay for car insurance. So if your credit can use some improvement, you may save money insuring your Kia Optima Plug-In Hybrid by repairing your credit. Insureds that have excellent credit scores tend to file fewer claims than those with lower ratings.
Do you really need to file that car insurance claims? – Companies in Arizona provide better rates to people who only file infrequent claims. If you’re an insured who likes to file claims you can expect increased rates or even have your policy non-renewed. Auto insurance is intended for the large, substantial claims.
Raise your deductibles for better rates – Physical damage deductibles represent how much money you are willing to pay if a claim is determined to be covered. Protection for physical damage, also called ‘full coverage’, protects your car from damage. Examples of some claims that would be covered are rearending another vehicle, fire damage, and having a roll-over accident. The more of the claim you choose to pay out-of-pocket, the lower your rates will be.
Insurance rates for married couples – Having a wife or husband actually saves money on your car insurance policy. Having a spouse demonstrates that you tend to be more responsible and it’s proven that drivers who are married file infrequent claims.
Rental and towing coverage may not be needed – There are many add-on coverages that may not really be needed on your Optima Plug-In Hybrid policy. Insurance for things like personal injury protection, accident forgiveness, and membership fees may not be needed and are just wasting money. These coverages may sound good when deciding what coverages you need, but if you don’t need them think about removing them and cutting costs.
When do I need to have guidance from an insurance agent?
Many people prefer to talk to an insurance agent and that is just fine! One of the best bonuses of price shopping on the web is you may find the lowest rates but still work with a licensed agent.
To make it easy to find an agent, after completing this form (opens in new window), your insurance data is immediately sent to participating agents in Phoenix that provide free Phoenix car insurance quotes and help you find cheaper coverage. It’s much easier because you don’t need to do any legwork as quotes are delivered instantly to you. You can find lower rates without a big time investment. If you need to compare rates from a specific insurance company, you can always find their quoting web page and complete a quote there.
Picking the best insurance company shouldn’t rely on just the price. The answers to these questions are important, too.
- Does the company allow you to choose your own collision repair facility?
- Do they get extra compensation for selling add-on coverages?
- Do they write coverage based solely on cost?
- Will you get a loaner vehicle if you car is being repaired?
- Are there any extra charges for paying monthly?
- Is the quote a firm price?
- What companies can they write with?
If you are searching for an insurance agent, it’s helpful to know the different agency structures and how they differ in how they quote coverages. Agencies in Phoenix can be classified as either independent or exclusive.
Exclusive Insurance Agents
Agents in the exclusive channel can only quote rates from one company and examples are State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents are unable to provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are usually quite knowledgeable on what they offer which helps overcome the inability to quote other rates. Consumers frequently use the same agent partially due to the prominence of the brand rather than low price.
Below are exclusive insurance agents in Phoenix that are able to give rate quotes.
- Andra Jeffress – State Farm Insurance Agent
1704 W Bethany Home Rd – Phoenix, AZ 85015 – (602) 249-1037 – View Map
- American Family Insurance – Luke Shafer
1717 E Bell Rd #7 – Phoenix, AZ 85022 – (602) 788-5359 – View Map
- Lupita Fernandez – State Farm Insurance Agent
2610 W Baseline Rd Ste 116 – Phoenix, AZ 85041 – (602) 633-2088 – View Map
Independent Agents (or Brokers)
Agents of this type do not have single company limitations so they can quote policies with a variety of different insurance companies and find you cheaper rates. If they quote lower rates, your policy is moved internally and you can keep the same agent. If you are trying to find cheaper rates, you will want to get some free quotes from independent agents to get the most accurate price comparison. Most can insure with smaller companies which may provide better rates.
Below are Phoenix independent insurance agencies who can help you get comparison quotes.
- Independent Insurance Agents
333 E Flower St – Phoenix, AZ 85012 – (602) 956-1851 – View Map
- MiniCo Insurance Agency, LLC
10851 N Black Canyon Hwy #200 – Phoenix, AZ 85029 – (800) 528-1056 – View Map
- Horizon Insurance Group
2880 E Northern Ave #100 – Phoenix, AZ 85028 – (602) 992-9750 – View Map
If you receive good feedback to any questions you may have as well as the cheapest Kia Optima Plug-In Hybrid insurance in Phoenix quotes, chances are good that you have found an insurance agent that will properly insure your vehicles. Just be aware that you can terminate coverage at any point so never feel that you are permanently stuck with a specific agent indefinitely.
How much insurance do I need?
When buying the best insurance coverage, there really is no perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that.
For instance, these questions can help discover whether your personal situation would benefit from an agent’s advice.
- If I drive on a suspended license am I covered?
- If my car is totalled with they pay enough to replace it?
- Can my teen driver be rated on a liability-only vehicle?
- Should I buy only the required Arizona minimum liability coverage?
- Should I buy full coverage?
- What is an umbrella policy?
- Do I have coverage when pulling a U-Haul trailer?
- At what point should I drop full coverage?
- Can I pay claims out-of-pocket if I buy high deductibles?
If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.
How much can you save?
When shopping online for auto insurance, make sure you don’t sacrifice coverage to reduce premiums. There are many occasions where an insured cut liability limits or collision coverage only to find out that it was a big mistake. Your aim should be to purchase plenty of coverage at the lowest possible cost and still be able to protect your assets.
You just learned many tips how you can find cheaper Kia Optima Plug-In Hybrid insurance in Phoenix. The key concept to understand is the more rate comparisons you have, the better likelihood of getting the cheapest Kia Optima Plug-In Hybrid rate quotes. Consumers could even find that the lowest premium rates come from the least-expected company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and GEICO.
More tips and info about auto insurance can be read by following these links:
- Medical Payments Coverage (Liberty Mutual)
- How Much are Car Insurance Rates for a Chevrolet Equinox in Phoenix? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers Over Age 60 in Phoenix? (FAQ)
- Who Has the Cheapest Phoenix Car Insurance Quotes for Active Military? (FAQ)
- What is a Telematics Device? (Allstate)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- What is Covered by GAP Insurance? (Allstate)