Do you want to stop overpaying and find more affordable insurance rates in Chicago, IL? Chicago drivers have many options when trying to find the best price on Kia Optima insurance. They can either waste time driving around to get rate comparisons or utilize the internet to find the lowest rates.
There are more efficient ways to shop for insurance and you need to know the absolute fastest way to price shop coverage for your Kia and obtain the best price possible from both online companies and Chicago agents.
It's a good habit to get comparison quotes quite often because rates are variable and change quite frequently. Despite the fact that you may have had the lowest rate on Kia Optima insurance in Chicago a year ago you can probably find a better price now. Ignore everything you know about insurance because you're about to find out the things you must know in order to buy cheaper Kia Optima insurance in Chicago.
If you have insurance now or just want to reduce your rates, use these money-saving tips to cut your premiums and possibly find even better coverage. These techniques will help you learn the most effective ways to compare rates and how to save the most money. Drivers only need to know how to compare prices from many different companies.
All major car insurance companies like 21st Century, Allstate and State Farm allow you to get coverage prices direct online. Getting online rates for Kia Optima insurance in Chicago is possible for anyone as you simply enter your coverage information into the quote form. After you submit the form the company's rating system automatically retrieves reports for credit and driving violations and returns a price quote.
This simplifies rate comparisons, and it is imperative to compare as many rates as possible if you are searching for the most affordable premium on car insurance.
In order to fill out one form to compare multiple rates now, check out the car insurance providers below. If you currently have coverage, we recommend you complete the form with deductibles and limits exactly as shown on your declarations page. Doing this assures you're receiving an apples-to-apples comparison for exact coverage.
The companies in the list below offer free quotes in Illinois. If the list has multiple companies, it's a good idea that you visit as many as you can to find the most affordable car insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Optima LX | $176 | $344 | $284 | $16 | $84 | $904 | $75 |
| Optima EX | $186 | $322 | $294 | $18 | $88 | $908 | $76 |
| Optima SX | $138 | $290 | $356 | $22 | $106 | $912 | $76 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Price estimates do not factor in vehicle location which can raise or lower premiums considerably.
How accidents and violations affect rates
The illustration below highlights how speeding tickets and at-fault claims can affect Kia Optima insurance prices for each age group. The rates are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.
What is the best insurance coverage?
When quoting and comparing insurance from an agent or online, there isn't really a perfect coverage plan. Your needs are not the same as everyone else's.
For instance, these questions can aid in determining if your insurance needs would benefit from an agent's advice.
- Why do I only qualify for high-risk insurance?
- How high should deductibles be on a Kia Optima?
- How long can I keep a teen driver on my policy?
- Why are teen drivers so expensive to add on to my policy?
- Should I drop comprehensive coverage on older vehicles?
- Is my son or daughter covered when driving my car?
- Should I rate my vehicle as business use?
- Does my medical payments coverage pay my health insurance deductible?
- Can I afford to buy a different vehicle if my Kia Optima is totaled?
- Why is insurance for a teen driver so high in Chicago?
If you're not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It's fast, doesn't cost anything and may give you better protection.
When to talk to an insurance agency
Some consumers prefer to sit down with an agent and doing that can be a smart decision Professional agents can make sure you are properly covered and help submit paperwork. The best thing about price shopping on the web is that drivers can save money and get the best rates but also keep your business local. And buying from local insurance agents is still important in Chicago.
By using this simple form, your coverage information is instantly submitted to companies in Chicago who will give you quotes for your coverage. You don't have to search for any insurance agencies since price quotes are sent directly to you. In the event you want to compare prices for a specific company, don't hesitate to jump over to their website to submit a rate quote request.
Types of car insurance agents in Chicago
If you prefer to buy insurance from a local Chicago insurance agent, it can be helpful to understand the types of agencies and how they work. Insurance policy providers can be categorized as either exclusive agents or independent agents. Either one can sell affordable insurance policies, but it is important to understand the difference between them since it could factor into which type of agent you select.
Independent Agents (or Brokers)
Independent insurance agents are not employed by any specific company so they have the ability to put coverage amongst many companies and help determine which has the cheapest rates. To move your coverage to a new company, they can switch companies in-house and you don't have to find a new agent.
When comparing insurance rates, you absolutely need to include price quotes from a few independent agents to maximize your price options. Most have the option of insuring with companies that do not advertise much that may have much lower rates than larger companies.
Listed below is a list of independent insurance agencies in Chicago who may provide free insurance quotes.
- Northwest Insurance Network Inc
4450 N Western Ave - Chicago, IL 60625 - (773) 433-3300 - View Map - Riehn Insurance
4541 N Lincoln Ave - Chicago, IL 60625 - (773) 561-4200 - View Map - Skyline Insurance Agency, Inc.
2302 W Belmont Ave - Chicago, IL 60618 - (773) 525-7500 - View Map
Exclusive Agencies
Agents in the exclusive channel are contracted to one company like Allstate, AAA, Farmers Insurance, and State Farm. They are unable to give you multiple price quotes so they are skilled at selling on more than just price. They are very knowledgeable on what they offer which aids in selling service over price. Some people will only use the same exclusive agent mostly because of high brand loyalty and the convenience of having all coverages with one company.
Shown below are Chicago exclusive insurance agents that can give you price quotes.
- Jim Mays Jr - State Farm Insurance Agent
4465 N Milwaukee Ave - Chicago, IL 60630 - (773) 282-1500 - View Map - Rhea Joyer - State Farm Insurance Agent
4911 N Lincoln Ave c - Chicago, IL 60625 - (773) 878-8883 - View Map - Roni Siegel - State Farm Insurance Agent
860 N Clark St - Chicago, IL 60610 - (312) 751-0500 - View Map
Finding a good insurance agency should depend on more than just a low price. Any agent in Chicago should have no problem answering these questions:
- Which family members are covered?
- How long have they been in business?
- Do they prorate repair cost based on vehicle mileage?
- Does the agent help file claims?
- Where would glass claims be handled in Chicago?
- Can you use your own choice of collision repair facility?
After getting good answers for all questions you ask and an acceptable price quote, chances are good that you have found an insurance agent that can be relied on to properly insure your vehicles.