Cheap Insurance for a Kia Optima in Nevada

When talking about car insurance, the word affordable should not appear anywhere in the article as a descriptor for car insurance rates. It’s a simple fact that cheap car insurance for a Kia Optima just does not exist. But don’t despair, because we are going to show you some ways you can find and buy auto insurance that is cheaper than your current policy.

Your odds of finding the cheapest coverage for a Kia Optima in Nevada is contingent on dozens of factors like the safety features of your vehicle, if you have ever let your coverage lapse, and your choice of deductibles. Nevada drivers on average pay approximately $690 every 12 months to insure an Optima, but that amount is an estimate that uses a 30-year-old married female who purchased comprehensive and collision coverage and $1,000 physical damage deductibles.

There is a very good chance that you are not 30 and possibly not even female, possibly single instead of married, and there is a good chance that you need different coverage limits than the exampe. Even a very minor difference in rating factors can cause big differences in the policy cost.

Each driver’s needs are different, and that demonstrates why the only real way to find affordable rates for your Kia is to make a habit of comparing prices at least once a year. It’s really quite easy you can get prices from some of the cheapest companies that sell coverage in Nevada.

Start Your Free Quote

Your Kia’s trim level has an effect on the yearly cost, so the price you will be charged to insure a Optima LX model will be $64 cheaper than the insurance cost for the more costly Optima SX trim level, as shown by the rates below.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in vehicle location which can impact insurance rates considerably.

Deciding which companies have the lowest-priced car insurance rates for a Kia Optima will involve a little more effort in order to find the best price. Every insurance company uses a little different formula to determine premium rates, so let’s take a look at the most competitive car insurance companies in Nevada.

It’s important that readers know that Nevada car insurance rates are calculated based on many things that can increase the price you pay for coverage. Simply having another birthday, buying a home instead of renting, or getting into an accident can produce rate changes that can make some companies much cheaper than others.

Best Auto Insurance Prices for Your Optima

Compare Rates and Save

Allied may offer some of the most affordable car insurance rates in Nevada at around $911 per year. Travelers, Capital, Oregon Mutual, and American Family are also some of the cheapest Nevada insurance companies.

As depicted above, if you are a policyholder with American Family and switched to Travelers, you might achieve a yearly price reduction of in the vicinity of $279. Nevada drivers with Progressive might save as much as $287 a year, and GEICO customers might reduce prices by as much as $330 a year.

Be aware that those premiums are averaged for all insureds and vehicles and and are not figured with a specific rating modification for a Kia Optima. So the company that can offer you the best price may not even be featured in the chart above. That is why you need to get rate quotes from many companies using your own specific driver and vehicle information.

How to get discounts on Nevada auto insurance rates

Insurance providers that provide cheap insurance for a Kia Optima in Nevada may additionally offer discounts that can lower rates by 30% or more if you meet specific eligibility requirements. Popular car insurance companies and a summarized list of policyholder discounts are:

The diagram below compares car insurance rates with and without discounts applied to the rates. The rate quotes are based on a female driver, no tickets, no at-fault accidents, Nevada state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with vehicle safety, marriage, homeowner, accident-free, multiple vehicle, and passive restraint discounts applied. When drivers take advantage of discounts, the the average amount saved on car insurance for a Kia Optima is 35% or $1,279.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2603,1867],[‘Age 30’, 1763,1275],[‘Age 40’, 1645,1191],[‘Age 50’, 1441,1045],[‘Age 60’, 1395,1007],[‘Age 70’, 1641,1183]]);var options = {title: ‘Insurance Rate Comparison for a Kia Optima’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Kia Optima’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

How to find budget-friendly auto insurance for a Kia Optima

Lowering your rates is not difficult, and here are many thrifty ideas that can help you get cheap coverage.

• Remain accident-free and save
• Higher deductibles mean lower rates
• Bundle home and auto and save
• Higher credit scores may earn you cheaper rates
• Ensure your driving record is clean
• Pay for smaller claims out-of-pocket
• Check for cheaper rates once a year

The last tip is certainly vital, as we stressed in this piece. Insurance prices go up and down frequently, so don’t be tentative to buy a policy from a new company if a more affordable price is available.

Having a favorite company is fine, but is isn’t recommended if it’s costing you thousands of dollars over several years. Now is a great time to compare rates to find cheaper insurance for a Kia Optima.