6 Discounts Las Vegas Drivers Miss when Buying Insurance Online for a Kia Optima

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me, you’re not alone.

With so many companies and agents to choose from, it is hard for the average consumer to choose the cheapest company.

This article will teach you the best way to quote coverages and some money-saving tips. If you are paying for car insurance now, you will be able to lower your premiums substantially using these tips. But Nevada drivers can benefit from knowing how big insurance companies determine prices and take advantage of how the system works.

Auto Insurance Comparison Rates in Las Vegas

There are a lot of ways to shop for auto insurance, and some are less time-consuming than others. You could waste a few hours talking to insurance companies in Las Vegas, or you could use the web to get rate comparisons in just a few minutes.

Many popular insurance companies belong to an insurance system that enables customers to enter their policy data once, and each company then returns a price quote based on that data. This system prevents you from having to do quote forms for each company you want a rate for.

To find out what other companies charge click here to open in new window.

The one disadvantage to using this type of form is you don’t know exactly the companies to receive prices from. So if you want to choose specific insurance companies to request quotes from, we have a page of the cheapest auto insurance companies in Nevada. Click here for list of insurance companies in Nevada.

It’s up to you which method you use, but ensure you are comparing identical coverage limits and deductibles on every quote. If you are comparing differing limits it will be very difficult to determine the best price for your Kia Optima in Las Vegas. Having just a slight variation in coverage limits may result in a large different in cost. Keep in mind that having more price comparisons gives you a better chance of getting the best price.

Lots of discounts mean lots of savings

Car insurance is not cheap, but there could be available discounts that you may not know about. Some discounts apply automatically when you complete an application, but less common discounts must be requested specifically prior to receiving the credit.

  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education if offered at their school.
  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Optima coverage than their less cautious counterparts.
  • No Claims – Drivers with accident-free driving histories pay much less compared to bad drivers.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Some only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you could get a free auto insurance policy, it just doesn’t work that way. But any discount will cut the cost of coverage.

For a list of insurers who offer auto insurance discounts in Las Vegas, click here.

How do I know if I need professional advice?

When it comes to choosing coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that may help highlight whether you would benefit from an agent’s advice.

  • When do I need to add a new car to my policy?
  • Do I have coverage when making deliveries for my home business?
  • Does liability extend to a camper or trailer?
  • What are the best liability limits?
  • What are the financial responsibility laws in Nevada?
  • What can I do if my company denied a claim?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Will my rates increase for filing one claim?
  • Is my babysitter covered when using my vehicle?
  • Do I have coverage when using my vehicle for my home business?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

What if I want to buy from a local Las Vegas agent?

Some people would prefer to sit down with an agent and that is just fine! The best thing about getting online price quotes is the fact that you can find better rates and still choose a local agent. And providing support for small agencies is especially important in Las Vegas.

To make it easy to find an agent, after completing this simple form, your information is transmitted to local insurance agents who will give you bids for your business. You won’t need to leave your house as quotes are delivered to the email address you provide. Now that’s easy! You can find the lowest rates without the usual hassles of price shopping.

To contact a specific insurance agent in Las Vegas, please view this page.

Deciding on an insurer needs to be determined by more than just the bottom line cost. Any agent should be forthright in answering these questions:

  • Can they give you a list of client referrals?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Are they able to influence company decisions when a claim is filed?
  • Do they make recommendations based only on price?
  • How long have they worked with personal auto insurance coverage?

After receiving positive responses to any questions you have and locked in a price quote, you may have just found an provider that will service your policy.

Car insurance 101

Knowing the specifics of your auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverages found on the average auto insurance policy.

Collision insurance

Collision coverage covers damage to your Optima from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a mailbox, scraping a guard rail, sustaining damage from a pot hole, crashing into a ditch and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as rock chips in glass, hail damage, damage from a tornado or hurricane, fire damage and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability

Liability insurance protects you from damage or injury you incur to other people or property by causing an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like funeral expenses, medical expenses, pain and suffering, attorney fees and structural damage. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford. Nevada state minimum liability requirements are 15,000/30,000/10,000 but drivers should carry higher limits.

Medical costs insurance

Kia Optima insurance

Med pay and PIP coverage pay for bills such as surgery, hospital visits and pain medications. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Kia Optima.

Due to the fact that many Nevada drivers carry very low liability coverage limits (15/30/10 in Nevada), their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.

More quotes mean more savings

Throughout this article, we presented quite a bit of information on how to save on Kia Optima insurance. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding lower rates. Drivers may discover the most savings is with some of the lesser-known companies. Regional companies may often insure only within specific states and give getter rates than their larger competitors like Progressive and GEICO.

When shopping online for auto insurance, do not reduce needed coverages to save money. In too many instances, someone dropped comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. Your goal should be to buy a smart amount of coverage at a price you can afford.

Additional auto insurance information is located on the website for the Nevada Division of Insurance located here. Visitors are able to get help finding coverage, report car insurance fraud, learn about insurance regulations, and find disaster information.

Also read more on this site for auto insurance information in Nevada and this page where you can research Las Vegas insurance agents.