Astonishing but true according to a recent study, the vast majority of car insurance customers renewed their policy with the same company for at least four years, and 38% of drivers have never quoted car insurance rates at all. Tucson insurance shoppers could save almost 50% every year by just comparing rate quotes, but most tend to underestimate the rate savings if they changed companies.
The best way we recommend to find low-cost auto insurance rates is to compare prices once a year from insurers in Tucson.
Step 1: Spend a few minutes and learn about how auto insurance works and the things you can control to keep rates down. Many rating factors that result in higher prices like accidents, careless driving, and an unacceptable credit rating can be rectified by making lifestyle changes or driving safer.
Step 2: Obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like Progressive or State Farm, while independent agents can quote rates from multiple sources. View companies
Step 3: Compare the price quotes to your existing rates and determine if cheaper Optima coverage is available. If you find a lower rate and make a switch, make sure coverage is continuous and does not lapse.
Step 4: Give notification to your current company to cancel your current policy. Submit a signed application and payment to the new insurer. When you receive it, keep the new proof of insurance certificate in an easily accessible location.
One tip to remember is to try to use the same coverage limits and deductibles on each price quote and and to analyze as many auto insurance providers as possible. Doing this guarantees an accurate price comparison and a complete selection of prices.
Locating the most affordable car insurance coverage in Tucson is not as confusing as people think. If you have insurance now or are looking for a new policy, use these money-saving tips to cut your premiums without reducing protection. Drivers just have to learn the fastest way to compare rate quotes online.
All major auto insurance companies give coverage price quotes direct online. Obtaining pricing for Kia Optima insurance in Tucson is fairly simple because you just enter your personal and coverage information on the page. Upon sending the form, the system makes automated requests for your driving and credit reports and generates a price determined by many factors.
Being able to quote online for Kia Optima insurance in Tucson helps simplify price comparisons, and it’s also necessary to do this if you want to get a lower rate.
To quickly compare rates using this form now, compare quotes from the companies shown below. If you have a policy now, it’s recommended you enter the coverage information identical to your current policy. This guarantees you are getting a price comparison using the exact same coverages.
The following companies are ready to provide free rate quotes in Tucson, AZ. If multiple companies are listed, we suggest you compare several of them to find the most competitive auto insurance rates.
Coverage information
The coverage information below covers different insurance costs for Kia Optima models. Being able to understand how insurance prices are determined can be useful when making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Optima LX | $202 | $396 | $326 | $20 | $98 | $1,042 | $87 |
| Optima EX | $228 | $466 | $326 | $20 | $98 | $1,138 | $95 |
| Optima SX | $228 | $466 | $326 | $20 | $98 | $1,138 | $95 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Table data does not factor in zip code location which can revise auto insurance rates significantly.
Physical damage deductible comparison
When buying insurance, a common question is how high should the physical damage coverage deductibles be. The following tables can help illustrate the premium difference when you choose different physical damage deductibles. The first rate quote example uses a $100 deductible for physical damage and the second price chart uses a $500 deductible.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Optima LX | $188 | $314 | $338 | $20 | $102 | $962 | $80 |
| Optima EX | $212 | $370 | $338 | $20 | $102 | $1,042 | $87 |
| Optima SX | $212 | $370 | $338 | $20 | $102 | $1,042 | $87 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Estimates do not factor in zip code location which can lower or raise coverage rates substantially.
We can derive from the above data that using a $100 deductible could cost the average driver approximately $22 more each month or $264 every year than requesting the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you average at least 18 months between claims, you would most likely save money by selecting a higher deductible. The numbers below show the way we made this calculation.
| Average monthly premium for $100 deductibles: | $107 |
| Average monthly premium for $500 deductibles (subtract): | – $85 |
| Monthly savings from raising deductible: | $22 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $22 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
Illustration showing the impact of accidents and violations
The information below highlights how traffic violations and at-fault accidents raise Kia Optima annual premium costs for each age group. The information is based on a married female driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.
Auto insurance is not optional in Arizona
Despite the high insurance cost for a Kia Optima in Tucson, buying auto insurance is mandatory in Arizona but it also protects more than you think.
- The majority of states have compulsory liability insurance requirements which means state laws require specific limits of liability protection if you drive a vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your Kia Optima, more than likely the lender will require that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the bank may insure your Kia at a much higher premium rate and require you to pay for the expensive policy.
- Insurance safeguards both your vehicle and your assets. Insurance will pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense in the event you are sued. If your car is damaged in a storm or accident, your policy will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance definitely exceed the cost, especially when you need to use it. According to a recent study, the average American driver is overpaying over $865 each year so compare rates at every policy renewal to be sure current rates are still competitive.
Reduce Insurance Rates with These Tips
One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that aid in calculating the price you pay for car insurance. If you know what determines premiums, this enables you to make decisions that can help you get better car insurance rates.
The factors shown below are just a few of the factors used by insurance companies to determine your rate level.
Credit history impact car insurance costs – A driver’s credit history is a big factor in determining your rates. Insureds with very high credit ratings tend to be better drivers and file fewer claims than drivers who have poor credit. Therefore, if your credit is low, you could save money insuring your Kia Optima if you clean up your credit.
Your gender affects prices – Statistics have proven women tend to be less risk to insure than men. It does not mean women are BETTER drivers than men. Females and males get in at-fault accidents at a similar rate, but men tend to have more serious accidents. Men also get more serious tickets like DUI and reckless driving.
The diagram below visualizes the comparison of Kia Optima auto insurance rates for male and female drivers. Data assumes no violations or claims, full coverage, $250 deductibles, drivers are single, and no additional discounts are factored in.
Liability protection is important – Liability insurance provides coverage in the event that you are ruled to be at fault for damages from an accident. Liability insurance provides legal defense which can be incredibly expensive. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
Uninterrupted coverage lowers prices – Going without insurance is a guaranteed way to increase your rates. Not only will rates go up, the inability to provide proof of insurance may earn you a fine, jail time, or a revoked license.
Raising deductibles lowers rates – Physical damage protection, aka comp and collision, is used to repair damage to your vehicle. A few examples of covered claims are a windshield shattered by a rock, damage caused by hail, and rolling your vehicle. Your deductibles are how much you are willing to pay before your car insurance pays a claim. The more of the claim you are required to pay out-of-pocket, the less money you will pay for car insurance.
Multi-policy discounts can save money – Some insurance companies will give discounts to insureds that have more than one policy such as combining an auto and homeowners policy. The discount can be ten percent or more. Even if you already get this discount, you still need to compare Kia Optima rates in Tucson to ensure the best deal.
Big cities mean more claims – Living in less populated areas may provide you with better prices when trying to find low car insurance rates. Fewer people translates into fewer accidents in addition to fewer liability claims. Drivers in populated Arizona areas have to deal with traffic congestion and longer commute times. More time behind the wheel translates into higher accident risk.
Employer and insurance prices – Did you know your occupation can influence how much you pay for car insurance? Jobs like military personnel, architects, and miners tend to pay higher average rates due to high stress levels and lengthy work days. Conversely, professions such as actors, athletes and the unemployed generally pay rates lower than average.
Insurance losses for a Kia Optima – Auto insurance companies take into consideration insurance loss statistics for every vehicle to help calculate premium prices. Vehicles that the data shows to have higher claim amounts or frequency will cost more for coverage. The table below outlines the collected loss data for Kia Optima vehicles.
For each coverage type, the statistical loss for all vehicles, as an average, equals 100. Numbers shown that are under 100 are indicative of better than average losses, while numbers above 100 indicate a higher chance of having a claim or an increased chance of larger losses than average.
| Vehicle Make and 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
Lower rates by qualifying for discounts
Properly insuring your vehicles can get expensive, but there could be significant discounts that can drop the cost substantially. Some trigger automatically at quote time, but some discounts are required to be asked about before being credited.
- Save over 55 – Older drivers are able to get a small discount on rates.
- ABS Braking Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes can reduce accidents so you can save 10 percent or more.
- Save with More Vehicles Insured – Insuring more than one vehicle on a single policy could earn a price break for each car.
- Savings for New Vehicles – Putting insurance on a new Optima can save up to 30% because newer models are generally safer.
- Homeowners Savings – Being a homeowner can help you save on auto insurance since home ownership is proof that your finances are in order.
- Claim Free – Drivers with accident-free driving histories get the best auto insurance rates as opposed to insureds who have frequent claims or accidents.
- Good Student – Maintaining excellent grades may save as much as 25% on a Tucson car insurance quote. You can use this discount normally up until you turn 25.
Keep in mind that some of the credits will not apply to the entire cost. Most cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates adding up those discounts means a free policy, auto insurance companies aren’t that generous.
The information below shows the difference between Kia Optima annual premium costs with and without some available policy discounts. The data assumes a female driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, marriage, multi-car, safe-driver, and multi-policy discounts applied.
Some companies who might offer most of the discounts above include:
Before buying, ask every prospective company how you can save money. A few discounts might not be offered on policies in Tucson. To find companies that provide some of the discounts listed above in Tucson, follow this link.
Compare rates but work with a local neighborhood Tucson car insurance agent
Certain consumers would prefer to talk to a local agent and doing that can be a smart decision Agents can help you build your policy and help file insurance claims. A nice benefit of getting free rate quotes online is that you can find cheap car insurance quotes and still choose a local agent. And buying from local agents is important especially in Tucson.
After completing this quick form, your insurance data is submitted to companies in Tucson that can give you free Tucson car insurance quotes for your insurance coverage. It makes it easy because there is no need to visit any agencies as quotes are delivered to the email address you provide. If you want to get a comparison quote from a particular provider, you would need to search and find their rate quote page and give them your coverage information.
The following is a short list of car insurance companies in Tucson that may be able to provide price quote information for Kia Optima insurance in Tucson.
- American Family Insurance – Kristi Frank Agency Inc.
4319 E Broadway Blvd – Tucson, AZ 85711 – (520) 323-0017 – View Map - Farmers Insurance: John Brown
9155 E Tanque Verde Rd #117 – Tucson, AZ 85749 – (520) 323-2500 – View Map - Allstate Insurance: Debe A. Campos-Fleenor
3206 E Grant Rd – Tucson, AZ 85716 – (520) 745-0169 – View Map - American Family Insurance – Juan M. Salazar Jr
1100 E Ajo Way Ste 210 – Tucson, AZ 85713 – (520) 792-2100 – View Map
Picking a insurer is decision based upon more than just the bottom line cost. These are some questions you should get answers to.
- What insurance company do they write the most business with?
- Where would glass claims be handled in Tucson?
- How long has their agency been open in Tucson?
- Do they regularly work with personal auto policies in Tucson?
- Is the coverage adequate for your vehicle?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Does the company have a local claim office in Tucson?
More comparisons equals affordable rates
We just covered a lot of tips how to save on Kia Optima insurance in Tucson. The key thing to remember is the more quotes you get, the better chance you’ll have of finding affordable Kia Optima insurance quotes. Consumers may even find the lowest prices come from the smaller companies.
Low-cost Kia Optima insurance in Tucson can be found online and also from your neighborhood Tucson agents, and you need to price shop both in order to have the best price selection to choose from. A few companies may not provide rate quotes online and these regional carriers only sell coverage through independent agents.
Drivers leave their current company for a number of reasons such as an unsatisfactory settlement offer, unfair underwriting practices, extreme rates for teen drivers or policy cancellation. Regardless of your reason, finding the right car insurance provider can be less work than you think.
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