Insurance quote for Kia Optima in HendersonDo you want to learn to get cheaper Kia Optima insurance in Henderson? I really doubt anyone enjoys paying for auto insurance, particularly when it costs too dang much.

It's hard to believe, but the vast majority of auto insurance customers renewed their policy with the same company for a minimum of four years, and roughly 40% of drivers have never shopped around. With the average auto insurance premium being $1,600, Henderson drivers could save $500 a year just by comparing rates, but they won't spend time to compare rate quotes online. Insurance companies such as Allstate, Progressive and GEICO continually hit you with catchy ads and it is difficult to ignore the flashy ads and find the best price available.

If you already have coverage or just want to save money, use these money-saving tips to shop for the lowest rates without reducing protection. Buying the cheapest auto insurance in Henderson is easy if you know what you're doing. Smart buyers only need an understanding of the tricks to get comparison quotes online.

Most companies allow you to get insurance quotes directly from their websites. Getting Kia Optima insurance prices online is possible for anyone because it's just a matter of typing in your required coverages on the page. Behind the scenes, the system automatically retrieves your credit score and driving record and generates a price based on the information you submitted. Getting online quotes for Kia Optima insurance in Henderson helps simplify price comparisons, and it's very important to do this if you are searching for the cheapest price.

In order to use this form to compare rates, compare quotes from the companies shown below. If you have a policy now, it's recommended you input your coverages as close as possible to your current policy. This helps ensure you will have a fair comparison based on the exact same insurance coverage.

The car insurance companies shown below are ready to provide quotes in Henderson, NV. If multiple companies are listed, it's a good idea that you click on several of them to find the most affordable car insurance rates.

Kia Optima Insurance Rates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $114 $214 $334 $20 $100 $782 $65
Optima EX $212 $374 $356 $22 $106 $1,070 $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, homeowner, safe-driver, claim-free, and multi-policy. Table data does not factor in specific garaging location which can lower or raise premium rates considerably.

Auto insurance premiums by gender

The information below shows the comparison of Kia Optima insurance prices for male and female drivers. The data is based on a clean driving record, no claims, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are factored in.

Higher deductibles save money

When shopping for auto insurance, a common question is how high should your deductibles be. The premium rates below help summarize how much more rates are between high and low physical damage deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second price table uses a $1,000 deductible.

Kia Optima insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $238 $402 $348 $20 $104 $1,137 $95
Optima EX $268 $472 $348 $20 $104 $1,237 $103
Optima SX $268 $472 $348 $20 $104 $1,237 $103
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Kia Optima insurance policy 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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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rates do not factor in specific garaging location which can revise price quotes substantially.

We can estimate from the data above that using a $250 deductible will cost you roughly $24 more each month or $288 every year than buying the higher $1,000 deductible. Because you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at a minimum 31 months between claims, you would probably save some money by going with a higher deductible. The table below illustrates an example of how we made this calculation.

Average monthly premium for $250 deductibles: $100
Average monthly premium for $1,000 deductibles (subtract): - $76
Monthly savings from raising deductible: $24
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

One big caveat is that increasing deductibles to save money means you pay more out-of-pocket when you have to file a claim. You need enough savings in the event you have to pay the deductible for vehicle repair.

Auto insurance rates and discounts

Auto insurance can be pricey, but there could be significant discounts to help offset the cost. Most are applied at the time of purchase, but a few must be asked about before you get the savings.Auto insurance discounts

A little disclaimer on discounts, most credits do not apply to the entire policy premium. Most cut specific coverage prices like collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, you're out of luck.

A few companies that may offer quotes with many of the previously listed discounts include:

When getting a coverage quote, ask all companies you are considering how many discounts you can get. Some of the earlier mentioned discounts might not be available to policyholders in your area. To choose insurers that offer discounts in Nevada, click here to view.

What Impacts Kia Optima Insurance Prices?

One of the most helpful ways to save on car insurance is to to have a grasp of the factors that go into determining the price you pay for car insurance. When consumers understand what determines base rates, this empowers consumers to make smart changes that could result in lower rates. Many things are part of the calculation when you quote your car insurance policy. Some factors are common sense such as your driving history, but some are more obscure like your vehicle usage or how safe your car is.

The list below includes a few of the things used by your company to calculate your prices.

Drive a safer car and pay less - Vehicles with high crash test scores tend to be cheaper to insure. Safe vehicles help reduce the chance of injuries in an accident and lower injury rates means your insurance company pays less which can mean better rates for you.

Gender and insurance rates - Statistics demonstrate that women are safer drivers than men. That doesn't necessarily mean that men are WORSE drivers than women. Men and women are responsible for fender benders in similar percentages, but the male of the species tend to have more serious accidents. They also get higher numbers of serious violations like DUI and reckless driving.

Multi-policy discounts can save money - Lots of insurance companies give discounts to people that buy multiple policies. It's known as a multi-policy discount. Even if you qualify for this discount already, it's always a smart idea to check prices from other companies to help ensure you have the lowest rates.

Policy add-ons add up - There are many add-on coverages that you can get tricked into buying when buying car insurance. Add-on coverages like replacement cost coverage, high-cost glass coverage, and extra life insurance coverage may be wasting your money. They may seem like a good idea at first, but if you have no use for them get rid of them and save.

Car features that lower premiums - Owning a car with advanced anti-theft systems can save you some money. Theft deterrent systems such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all help prevent auto theft and help lower rates.

How do annual miles impact costs? - The higher the miles on your Kia in a year's time the higher the price you pay to insure it. A lot of companies apply a rate based on their usage. Autos that sit idle most of the time get more affordable rates than vehicles that have high annual mileage. Having an incorrect usage rating on your Optima can result in significantly higher rates. It's a good idea to make sure your vehicle rating is showing the correct usage for each vehicle.

Kia Optima insurance loss statistics - Insurance companies use past insurance losses when they calculate premium rates for each model. Models that have increased losses will be charged more to insure.

The table below demonstrates the insurance loss data for Kia Optima vehicles. For each type of coverage, the loss probability for all vehicles averaged together equals 100. Values that are 100 or less mean the vehicle has better than average losses, while values over 100 indicate a higher chance of having a claim or an increased probability of a larger loss.

Auto Insurance Loss Data for Kia Optima Models

Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Kia Optima 115 101 107 133 142 120
Kia Optima Hybrid 143 115 116 139 158 151

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

When should I get advice from a local insurance agent?

Certain consumers still prefer to buy from a local agent and there is nothing wrong with that. Agents can help you choose the best coverages and help you file claims. One of the great benefits of price shopping on the web is that you can find better rates and still have a local agent. Buying from local agencies is especially important in Henderson.

Find insurance agent in HendersonFor easy comparison, once you complete this quick form, your insurance coverage information is immediately sent to local insurance agents who will give you quotes and help you find cheaper coverage. There is no reason to contact an agency because prices are sent immediately to your email address. In the event you want to get a comparison quote from a specific company, you would need to jump over to their website and complete a quote there.

Different types of auto insurance agents in Henderson

If you want to use a reputable insurance agent or broker, you must know there are a couple different types of agencies and how they differ in how they can insure your vehicles. Agents in Henderson can be described as either independent agents or exclusive agents depending on their employer. Either one can handle insurance, but it's important to know the difference in how they write coverage since it can impact the selection process.

Independent Agents (or Brokers)

Independent agents do not have single company limitations so as a result can place your coverage with an assortment of companies and find the cheapest rate. If you want to switch companies, they simply move the coverage in-house which requires no work on your part.

When comparing insurance rates, we recommend you get quotes from several independent insurance agents to maximize your price options.

Listed below is a partial list of independent insurance agents in Henderson that can give you free price quotes.

Safeco Insurance
2736 Marie Antoinette St - Henderson, NV 89044 - (866) 694-9046 - View Map

140 E Horizon Dr - Henderson, NV 89015 - (702) 558-8587 - View Map

All Star Insurance Agency
10120 S. Eastern Ave, Suite 200 - Henderson, NV 89052 - (702) 660-6618 - View Map

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Exclusive Agencies

Agents of this type can only write with one company and some examples include Allstate and State Farm. Exclusive agencies are unable to provide prices from multiple companies so keep that in mind. Exclusive agents are very knowledgeable on what they offer and that enables them to sell even at higher rates.

The following are Henderson exclusive agents who can help you get rate quotes.

229 N Pecos Rd #110 - Henderson, NV 89074 - (702) 434-1230 - View Map

183 Gibson Rd - Henderson, NV 89014 - (702) 456-8119 - View Map

613 N Stephanie St - Henderson, NV 89014 - (702) 451-0123 - View Map

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Finding a good auto insurance agent requires you to look at more than just the bottom line cost. Some important questions to ask are:

Special considerations

When it comes to buying adequate coverage for your vehicles, there really is no "perfect" insurance plan. Everyone's situation is unique and your car insurance should be unique as well.Drive safe and save For example, these questions may help you determine if your insurance needs would benefit from an agent's advice.

If you don't know the answers to these questions but you know they apply to you then you might want to talk to an agent. If you don't have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It's fast, doesn't cost anything and can help protect your family.

Why you might not save $464 a year

Consumers in Nevada constantly see and hear ads for the lowest price insurance from the likes of Progressive, GEICO, Allstate and State Farm. They all state the claim about how much you will save if you change your coverage.

How is it possible that every company can sell you cheaper insurance coverage? It's all in how they say it.

Companies have strict underwriting profiles for the type of driver that will generate a profit. An example of a desirable insured could be over the age of 45, has a low-risk occupation, and chooses high deductibles. Any new insured who meets those qualifications will probably get the lowest car insurance rates and will also save a lot of money.

Potential insureds who don't qualify for these stringent criteria will be quoted a higher rate and business going elsewhere. The wording the ads use say "drivers that switch" not "everybody who quotes" can get the lowest rates when switching. That's why companies can truthfully make it sound like they have such great rates.

This illustrates why you should compare as many free Henderson auto insurance quotes as you can. It's impossible to know which company will have the best Kia Optima insurance in Henderson.

In the end, you can save money

Some companies do not offer rates over the internet and many times these small insurance companies only sell through independent agencies. Budget-conscious Kia Optima insurance can be sourced online and also from your neighborhood Henderson agents, so compare prices from both to have the best selection.

When buying insurance coverage, never reduce needed coverages to save money. There are a lot of situations where an insured dropped collision coverage only to find out that the few dollars in savings costed them thousands. The ultimate goal is to buy the best coverage you can find at the lowest possible cost, but do not sacrifice coverage to save money.

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