Best Insurance for a Kia Optima in Montgomery

Insurance quote for Kia Optima in MontgomeryDid you fall for a flashy sales pitch and buy an underperforming, overpriced insurance policy? You're in good company because many Montgomery consumers feel financially strained by their insurance policy.

Sadly, the vast majority of Alabama insurance customers have purchased from the same company for more than four years, and practically 40% of insurance customers have never even shopped around for cheaper coverage. American insurance shoppers can save approximately 46.5% each year, but they feel it's too difficult to save money by comparing rate quotes. Online insurance companies like State Farm, Allstate, GEICO and Progressive continually hit you with ad campaigns and it is challenging if not impossible to not get sucked in by the cute commercials and find the best price available.

Discounts for cheap auto insurance quotes

Auto insurance is not cheap nor is it fun to buy but there could be available discounts to help offset the cost. A few discounts will be applied at the time of quoting, but occasionally some discounts must be requested specifically in order for you to get them.Save money with discounts

It's important to note that some of the credits will not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, you aren't that lucky.

Large auto insurance companies and their offered discounts are included below.

Before purchasing a policy, check with each insurance company to apply every possible discount. A few discounts might not be offered in Montgomery. To view insurance companies offering auto insurance discounts in Montgomery, click this link.

Many insurance companies allow you to get coverage price quotes directly from their websites. Doing online price comparisons for Kia Optima insurance in Montgomery is fairly simple as all you need to do is type in your coverage information into a form. Upon sending the form, the company's rating system will order credit information and your driving record and returns a price determined by many factors. This makes it simple to compare prices and it's very important to compare as many rates as possible if you are searching for lower-cost rates.

If you want to compare rates now, compare rate quotes from the providers shown below. If you have coverage now, it's recommended that you enter the limits and deductibles as close as possible to your current policy. This guarantees you will be getting comparison quotes based on similar coverages.

The companies shown below can provide comparison quotes in Montgomery, AL. If multiple companies are shown, we suggest you visit as many as you can to get the best price comparison.

Kia Optima Insurance Rates in Montgomery, AL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $224 $430 $430 $26 $128 $1,238 $103
Optima EX $374 $618 $500 $30 $150 $1,672 $139
Optima SX $322 $710 $462 $28 $138 $1,660 $138
Get Your Own Custom Quote Go

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Price information does not factor in Montgomery location which can decrease or increase coverage prices significantly.

Rate difference between full and liability-only coverage

The chart below illustrates the difference between Kia Optima auto insurance rates when comparing full coverage to state minimum liability only. The information is based on a clean driving record, no claims, $1,000 deductibles, single male driver, and no other discounts are factored in.

When to drop comp and collision

There is no set rule to drop comp and collision coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let's pretend your Kia Optima claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $7,000 after paying the physical damage deductible. If it's costing you more than $700 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are some conditions where dropping full coverage is not in your best interest. If you still have a lienholder on your title, you have to keep full coverage to protect the lienholder's interest. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.

Insurance can get complicated

When choosing your policy, there is no best way to insure your cars. Your situation is unique.Insurance savings

For example, these questions may help you determine whether you could use an agent's help.

If it's difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form. It's fast, free and can provide invaluable advice.

Buying auto insurance from Montgomery car insurance agents

Certain consumers just prefer to get advice from a local agent and that can be a great decision Good insurance agents are very good at helping people manage risk and will help you if you have claims. One of the best bonuses of getting free rate quotes online is you can get the lowest rates and still choose a local agent. Buying from neighborhood agents is still important in Montgomery.

Find insurance agent in MontgomeryBy using this simple form, your insurance coverage information gets sent to local insurance agents in Montgomery who will give competitive quotes for your business. It makes it easy because there is no need to find an agent because quoted prices will be sent to your email. If you wish to get a price quote from a specific auto insurance provider, feel free to navigate to their website to submit a rate quote request.

The following is a short list of insurers in Montgomery willing to provide price quotes for Kia Optima insurance in Montgomery.


2101 Eastern Blvd #111 - Montgomery, AL 36117 - (334) 277-6655 - View Map


3614 Debby Dr - Montgomery, AL 36111 - (334) 288-2000 - View Map


2800 Zelda Rd #200 - Montgomery, AL 36106 - (334) 272-7288 - View Map


3460 Eastdale Cir - Montgomery, AL 36117 - (334) 277-9789 - View Map

View more Montgomery agents

Finding a good company needs to be determined by more than just a low price. Before buying a policy in Montgomery, get answers to these questions.

Once you have received positive responses for all questions you ask and an acceptable price quote, you may have found a company that meets your needs to adequately provide auto insurance.

Persistence is the key to cheaper rates

In this article, we presented many tips how you can compare Kia Optima insurance car insurance rates in Montgomery. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even find the biggest savings come from some of the smallest insurance companies.

Consumers who switch companies do it for any number of reasons including policy non-renewal, poor customer service, policy cancellation and lack of trust in their agent. No matter why you want to switch, finding a great new company is actually quite simple.

Some auto insurance companies may not have the ability to get a quote online and usually these small, regional companies only sell coverage through independent agents. Cost effective Kia Optima insurance can be bought from both online companies and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates.

Much more information about auto insurance in Alabama can be found at the links below