Insurance for Kia OptimaDo you want to learn to get lower-priced Kia Optima insurance in Las Vegas? Being forced to pay for high-priced car insurance premiums can bleed your accounts and possibly require postponing other expenditures. Comparison shopping is free and is an excellent way to cut your insurance bill.

Sadly, a large majority of car insurance policyholders kept their coverage with the same car insurance company for at least the last four years, and just under half have never even shopped around for cheaper coverage. Drivers in Las Vegas can cut their rates by 35% a year just by comparing rates, but they just don't understand the amount of money they would save if they switched to a cheaper policy.

You have multiple insurance companies to choose from, and even though it's nice to be able to choose, so many choices can make it hard to get the best deal for Kia Optima insurance in Las Vegas.

Best companies for affordable Kia Optima insurance in Nevada

The car insurance companies shown below are ready to provide quotes in Las Vegas, NV. If several companies are displayed, it's a good idea that you visit several of them to get the best price comparison.

Kia Optima Insurance Cost Estimates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $126 $248 $394 $24 $118 $910 $76
Optima EX $218 $382 $348 $20 $104 $1,072 $89
Optima SX $342 $564 $456 $26 $136 $1,524 $127
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Rate quotes do not factor in zip code location which can influence auto insurance rates significantly.

Rate comparison of men versus women

The diagram below illustrates the difference between Kia Optima car insurance rates for male and female drivers. The data is based on no violations or accidents, comp and collision included, $100 deductibles, drivers are single, and no discounts are applied.

Careless driving habits raise Las Vegas auto insurance rates

The diagram below illustrates how speeding tickets and accident claims influence Kia Optima auto insurance costs for different age groups. Data assumes a single female driver, comp and collision included, $250 deductibles, and no other discounts are factored in.

Raise deductibles and save

One of the most common auto insurance questions is which deductibles should you choose. The rates below outline how much more rates are when you select higher and lower coverage deductibles. The first set of prices uses a $100 comprehensive and collision deductible and the second price table uses a $1,000 deductible.

Kia Optima insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $266 $478 $348 $20 $104 $1,241 $103
Optima EX $300 $564 $348 $20 $104 $1,361 $113
Optima SX $300 $564 $348 $20 $104 $1,361 $113
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Kia Optima insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $148 $252 $348 $20 $104 $872 $73
Optima EX $166 $298 $348 $20 $104 $936 $78
Optima SX $166 $298 $348 $20 $104 $936 $78
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Estimates do not factor in vehicle location which can impact auto insurance rates significantly.

Based on the data above, we can derive that using a $100 deductible will cost you approximately $34 more each month or $408 for a full year than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 26 months between claims, you would probably save some money by selecting a higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $100 deductibles: $110
Average monthly premium for $1,000 deductibles (subtract): - $76
Monthly savings from raising deductible: $34
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $34
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 26 months

Cheap Las Vegas auto insurance rates with discounts

Some insurers don't always list all discounts very well, so the list below details some of the more common and also the lesser-known credits available to lower your premiums when you buy Las Vegas car insurance online.

Please keep in mind that most credits do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So even though you would think you can get free auto insurance, it's just not the way it works. Any qualifying discounts should help reduce your policy cost.

Larger auto insurance companies and a selection of discounts are outlined below.

Before purchasing a policy, check with every insurance company which credits you are entitled to. Some of the discounts discussed earlier might not apply in Las Vegas. To view insurers who offer auto insurance discounts in Nevada, click this link.

Auto insurance quotes from local Las Vegas insurance agencies

Some people would prefer to visit with an insurance agent and that is not a bad decision One of the best bonuses of getting free rate quotes online is that you can find cheaper car insurance rates and still have an agent to talk to. Buying from neighborhood agents is important especially in Las Vegas.

Las Vegas insurance agentsTo make it easy to find an agent, after completing this form (opens in new window), the quote information is instantly submitted to local insurance agents who will gladly provide quotes and help you find cheaper coverage. There is no reason to drive around as quotes are delivered straight to your inbox. You can most likely find cheaper rates and an insurance agent to talk to. If you want to compare rates from a particular provider, just search and find their rate quote page and submit a quote form there.

Multiple types of auto insurance agents in Las Vegas

If you are wanting to purchase auto insurance from a good insurance agency, it's helpful to know the different types of agents and how they operate. Auto insurance agents in Las Vegas can be classified as either independent or exclusive depending on the company they work for.

Independent Agents

Independent insurance agents are not employed by one company so they have the ability to put coverage through many different auto insurance companies and find you cheaper rates. If they find a lower price, your agent can switch companies and you won't have to switch agencies.

When comparing auto insurance rates, you will want to contact a couple of independent agencies so that you can do a thorough price comparison.

The following is a short list of independent agencies in Las Vegas that can give you price quotes.

US Bank Financial Center, 2300 West Sahara Avenue, Suite 800 - Las Vegas, NV 89102 - (702) 996-6434 - View Map

9960 W Cheyenne Ave #240 - Las Vegas, NV 89129 - (702) 965-3680 - View Map

3970 N Tenaya Way #110 - Las Vegas, NV 89129 - (725) 696-7707 - View Map

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Exclusive Insurance Agencies

Agents that elect to be exclusive can only place business with one company such as State Farm, Allstate and AAA. Exclusive agencies are unable to compare other company's rates so they have to upsell other benefits. They are well trained on their company's products which helps them compete with independent agents.

Shown below is a list of exclusive agents in Las Vegas that can give you price quotes.

4312 W Charleston Blvd - Las Vegas, NV 89102 - (702) 870-9298 - View Map

3375 Glen Ave #10 - Las Vegas, NV 89121 - (702) 696-1606 - View Map

Tom Ferrier - State Farm Insurance Agent
7528 Westcliff Dr - Las Vegas, NV 89145 - (702) 255-7770 - View Map

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Picking an car insurance agent needs to be determined by more than just the premium amount. Here are some questions you should ask.

Do you really save 40% when you switch?

GEICO, State Farm and Progressive consistently run television and radio advertisements. All the companies advertise claims about saving some big amount after switching to their company. How does every company make the same claim? This is the trick they use.

All companies quote their cheapest rates for the type of driver that will add to their bottom line. An example of this type of risk profile should be over the age of 50, has never had a claim, and drives less than 7,500 miles a year. Anybody who matches that profile will get very good Las Vegas premium rates and therefore will save a lot on Las Vegas Kia Optima insurance if they switch.

Insureds who do not fit the requirements must pay a higher premium and this results in the driver buying from a lower-cost company. If you listen to the ad wording, they say "customers that switch" not "everybody who quotes" save that kind of money. This is how companies can truthfully claim big savings.

Each company has different criteria, so you should compare quotes as often as possible. It's impossible to know which company will fit your personal profile best.

The coverage is in the details

Understanding the coverages of your policy can help you determine the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages available from insurance companies.

Liability auto insurance

Liability insurance can cover damages or injuries you inflict on other's property or people. This insurance protects YOU against claims from other people. Liability doesn't cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 15/30/10 that means you have $15,000 in coverage for each person's injuries, $30,000 for the entire accident, and a total limit of $10,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as emergency aid, bail bonds and court costs. How much liability coverage do you need? That is your choice, but it's cheap coverage so purchase higher limits if possible. Nevada requires minimum liability limits of 15/30/10 but you should think about purchasing more liability than the minimum.

Protection from uninsured/underinsured drivers

This coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Kia Optima.

Because many people have only the minimum liability required by law (which is 15/30/10), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages are identical to your policy's liability coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like X-ray expenses, EMT expenses, surgery and chiropractic care. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Comprehensive (Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, falling objects, hail damage and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Collision coverage protection

This covers damage to your Optima resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like colliding with another moving vehicle, crashing into a building, backing into a parked car, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible on your Optima to save money on collision insurance.

One last thing about your coverage

As you quote Las Vegas car insurance, you should never buy less coverage just to save a little money. In many instances, an insured dropped liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Discount Kia Optima insurance in Las Vegas can be bought from both online companies in addition to many Las Vegas insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers may not offer online rate quotes and these small insurance companies provide coverage only through independent agents.

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