Save Money on Kia Optima Insurance in Omaha

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Insurance quote for Kia Optima in OmahaDo you want to stop overpaying and find low-cost car insurance rates in Omaha, NE? Omaha drivers have a choice when trying to find affordable Kia Optima insurance. They can either waste time contacting agents trying to get quotes or use the internet to compare rates.

There are more efficient ways to compare car insurance rates and you need to know the quickest way to compare rates on a Kia and find the best price possible from both online companies and Omaha agents.

We hope to teach you how car insurance works and also save some money in the process If you already have coverage, you will definitely be able to find better prices using the ideas presented in this article. Drivers only have to learn the proper way to buy car insurance online.

The best way to compare rates for Kia Optima insurance in Omaha takes advantage of the fact most larger insurance companies will pay a fee to provide you with a free rate quote. To start a quote, the only thing you need to do is provide a small amount of information such as your general credit rating, if your license is active, if it has an alarm system, and if the vehicle is leased. Your details is sent automatically to multiple auto insurance providers and they return rate quotes with very little delay.

To start a quote now, click here and find out if lower rates are available in Omaha.

The companies in the list below are ready to provide comparison quotes in Omaha, NE. If you wish to find cheap car insurance in NE, we recommend you visit as many as you can to get the most competitive price.

Lower rates by qualifying for discounts

Car insurance can cost a lot, but companies offer discounts that may help make it more affordable. Certain credits will be shown when you purchase, but occasionally some discounts must be specifically requested prior to receiving the credit.Discount car insurance

  • Use Seat Belts - Buckling up and requiring all passengers to buckle their seat belts can save a little on the medical payments or PIP coverage costs.
  • Pay Upfront and Save - If you pay your entire premium ahead of time rather than paying monthly you may have a lower total premium amount.
  • Student Driver Training - It's a good idea to have your young drivers enroll and complete driver's education if offered at their school.
  • Multiple Vehicles - Buying coverage for multiple cars or trucks on one policy can reduce the rates for all insured vehicles.
  • Multi-line Discount - Select insurance companies reward you with lower premium rates if you buy some life insurance too.

Don't be surprised that most discounts do not apply to the overall cost of the policy. A few only apply to individual premiums such as collision or personal injury protection. Even though the math looks like you would end up receiving a 100% discount, it doesn't quite work that way. Any qualifying discounts will help reduce the cost of your policy.

The information below illustrates the difference between Kia Optima auto insurance rates with and without discounts applied to the policy rates. The costs are based on a male driver, no tickets, no at-fault accidents, Nebraska state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, claim-free, safe-driver, homeowner, and multi-car discounts applied.

Some of the insurance companies that may offer quotes with these discounts include:

When getting a coverage quote, ask each company or agent to apply every possible discount. Savings may not apply to policyholders in Omaha.

Rate information and statistics

The coverage information shown next showcases a range of insurance coverage prices for Kia Optima models. Learning how auto insurance policy rates are calculated can help customers make smart choices when selecting a coverage provider.

Kia Optima Insurance Rates in Omaha, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $264 $390 $444 $26 $132 $1,256 $105
Optima EX $298 $460 $444 $26 $132 $1,360 $113
Optima SX $298 $460 $444 $26 $132 $1,360 $113
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Premium amounts do not factor in zip code location which can alter insurance rates substantially.

Should you raise deductibles?

One common question asked by Omaha drivers is how high should the physical damage deductibles be. The following tables determine the cost difference between high and low physical damage coverage deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second price table uses a $1,000 deductible.

Kia Optima insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $258 $466 $338 $20 $102 $1,209 $101
Optima EX $292 $548 $338 $20 $102 $1,325 $110
Optima SX $292 $548 $338 $20 $102 $1,325 $110
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Kia Optima insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $144 $246 $338 $20 $102 $850 $71
Optima EX $162 $290 $338 $20 $102 $912 $76
Optima SX $162 $290 $338 $20 $102 $912 $76
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Information does not factor in specific location which can affect rates significantly.

Using the premium rates above, we can conclude that using a $100 deductible would cost the average driver about $33 more each month or $396 every year averaged for all Optima models than buying the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 27 months between claims, you would save money if you decide on a higher deductible.

How to decide to raise your deductibles

Average monthly premium for $100 deductibles: $107
Average monthly premium for $1,000 deductibles (subtract): - $74
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

Eight factors that determine insurance rates

Part of the insurance buying process is learning some of the factors that are used to determine your policy premiums. When you know what positively or negatively controls the rates you pay, this allows you to make good choices that could help you find big savings.

The items below are some of the items used by companies to determine prices.

  • Men drivers tend to cost more - Over the last 30 years, statistics show women are more cautious behind the wheel. However, don't assume that men are WORSE drivers than women. They both have accidents in similar numbers, but guys cause more damage and cost insurance companies more money. They also get higher numbers of serious violations like driving under the influence (DUI).

    The information below compares Kia Optima insurance rates for male and female drivers. The premiums assume no claims or violations, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are factored in.

  • Add-on coverages are wasting money - Insurance policies have a lot of additional coverages that may not really be needed if you don't pay attention. Insurance for things like replacement cost coverage, death and dismemberment, and term life insurance may be costing you every month. These may sound like a good investment when discussing your needs, but if they're wasting money think about removing them and cutting costs.
  • More performance means more cost - The performance level of the car or truck you are insuring makes a big difference in your rates. Economy passenger cars usually have the lowest rates, but the cost you end up paying is determined by many additional factors.

    The following chart uses these variables: married female driver age 40, full coverage with $500 deductibles, and no discounts or violations. It compares Kia Optima insurance rates compared to other vehicles that have a range of performance risks.

  • Defend yourself with liability insurance - A critical coverage on your policy, liability insurance will provide protection in the event that you are ruled to be at fault for damages caused by your negligence. Liability insurance provides you with a defense in court to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to comp and collision, so insureds should have plenty of protection for their assets.
  • Big cities mean more claims - Having an address in less populated areas has it's advantages when it comes to insurance. Drivers in populated areas have to deal with more aggressive driving styles and more severe claims. Fewer drivers on the road means fewer accidents and also fewer theft and vandalism claims.
  • Marriage discount - Being married helps lower the price when buying insurance. Marriage generally demonstrates drivers are more financially stable and it's statistically proven that being married results in fewer claims.
  • Safer occupants lowers insurance rates - Vehicles with good safety scores tend to have better insurance rates. Vehicles engineered for safety reduce occupant injuries and better occupant protection means lower claim amounts and thus lower rates.
  • Job stress can make you pay more - Jobs like military generals, air traffic controllers, and accountants generally have higher premium rates due to job stress and long work days. Conversely, careers such as scientists, students and retirees pay the least.
  • Kia Optima historical loss data - Insurance companies include the past claim history for a vehicle to help determine rates. Models that have higher loss trends will have higher rates for specific coverages. The next table shows the historical loss data for Kia Optima vehicles.

    For each policy coverage, the claim amount for all vehicles combined as an average is considered to be 100. Percentage numbers below 100 indicate better than average losses, while values that are above 100 point to more losses or an increased probability of a larger loss.

    Kia Optima Insurance Loss Statistics
    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
    BETTER
    AVERAGE
    WORSE

    Statistics from IIHS.org for 2013-2015 Model Years