Cheap Insurance for a Kia Optima in Maine

The odds of finding the best cheap insurance for a Kia Optima in Maine is dependent upon factors like if you are married or single, if you have recent claims, and if you have tickets or violations. Drivers pay approximately $740 annually for Optima insurance, but that cost is calculated using a 40-year-old single female that purchased comprehensive and collision coverage and $100 policy deductibles.

Chances are that rate is not what you would pay, because most likely you’re not a 40-year-old female, married instead of single, or possibly you just want cheap liability coverage. Auto insurance is not “one size fits all”, so the only way to find the cheapest rates for your Kia is to shop your policy around every couple of years. In just a couple of minutes you will receive price comparisons from some of the cheapest companies that insure vehicles in Maine.

Cheapest Kia Optima Insurance Rates

Your Kia’s trim level can impact the annual cost of coverage, so the price you will pay to insure a Optima LX model will cost $86 less than the cost to insure the higher-priced Optima SX trim level, as shown in the table below.

Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Maine minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Price estimates do not factor in vehicle garaging location which can change coverage rates considerably.

Buying coverage from a good quality auto insurance provider can be difficult considering how many companies provide coverage in Maine. The company rank data displayed below may help you analyze which auto insurance companies to look at putting your business with. The rankings below are for the companies with a significant amount of written premium nationwide, so smaller companies that only insure vehicles in Maine are not included in this list.

Discounts on cheap insurance for a Kia Optima in Maine

Car insurance companies that provide policies for a Kia Optima may provide discounts that may potentially lower prices by as much as 35% or more if you qualify for them. Larger insurance companies and their offered discounts include:

• Farm Bureau may have discounts that include good student, multi-policy, safe driver, youthful driver, 55 and retired, and renewal discount.
• MetLife has savings for defensive driver, accident-free, good student, multi-policy, and claim-free.
• Progressive includes discounts for online signing, homeowner, multi-vehicle, continuous coverage, good student, multi-policy, and online quote discount.
• AAA offers discounts for AAA membership discount, good driver, pay-in-full, multi-policy, anti-theft, and multi-car.
• American Family may offer discounts for air bags, mySafetyValet, early bird, multi-vehicle, accident-free, Steer into Savings, and bundled insurance.
• GEICO has discounts for driver training, five-year accident-free, multi-policy, daytime running lights, good student, anti-theft, and anti-lock brakes.
• State Farm offers premium reductions for anti-theft, passive restraint, good student, driver’s education, and accident-free.

The information below shows the comparison of car insurance rates with and without discounts applied to the rates. The data assumes a male driver, a clean driving record, no claims, Maine state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with multiple vehicle, defensive driving course, safe-driver, claim-free, homeowner, and accident-free discounts applied. When taking advantage of discounts, the the amount saved on insurance for a Kia Optima is 28% or $305.

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Progressive, Allstate, Geico, and State Farm: Who is best?

If you want reliable car insurance, the first places to look would be Progressive, Allstate, Geico, and State Farm. When combined, they have almost half of all auto insurance written. The data below breaks down some of the different features offered by each company.

How to get cheap insurance for a Kia Optima in Maine

The list below details some thrifty ideas that can help Maine drivers quote more affordable coverage.

• Avoid preventable accidents
• Raise deductibles to save money
• Pay lower rates with good credit
• Insure your home and auto with the same company
• Earn a discount by not filing claims
• Serious violations like DUI or reckless driving can increase rates dramatically
• Shop around for lower rates once a year

That final tip is extremely critical, as we noted in this piece. Prices charged by car insurance companies can change considerably in a year, so don’t hesitate to buy a different policy if a lower-cost policy is available.

Staying with the same car insurance company is fine, but it’s not recommended if it’s costing you hundreds of dollars a year. In just a few minutes you could compare prices to find cheaper auto insurance for a Kia Optima.