Insurance quote for Kia Optima in Virginia BeachFinding the cheapest insurance for a new or used Kia Optima in Virginia can be difficult, but you can use the following methods to find lower rates. There is a better way to shop for insurance and we'll show you the quickest way to price shop coverage on a Kia and locate the lowest price from Virginia Beach insurance agents and online providers.

If you have a policy now or are shopping for new coverage, you can use these techniques to lower your rates and still get good coverage. Finding and buying the best car insurance coverage in Virginia Beach is actually quite simple. Shoppers just need to understand the least time-consuming way to buy car insurance over the internet.

The following companies offer free rate quotes in Virginia Beach, VA. If more than one company is shown, it's highly recommended you get rates from several of them in order to find the most affordable rates.

Kia Optima Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $202 $368 $300 $18 $90 $978 $82
Optima EX $204 $364 $300 $18 $90 $976 $81
Optima SX $202 $392 $392 $24 $118 $1,128 $94
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rates do not factor in garaging location in Virginia Beach which can revise rates noticeably.

Auto insurance deductibles

One common question asked by Virginia Beach drivers is how high or low should comp and collision deductibles be. The premium rates below can help illustrate the price difference between high and low policy deductibles. The first rate quote example uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.

Kia Optima insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $198 $336 $290 $18 $88 $955 $80
Optima EX $224 $394 $290 $18 $88 $1,039 $87
Optima SX $224 $394 $290 $18 $88 $1,039 $87
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Kia Optima insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $122 $210 $290 $18 $88 $728 $61
Optima EX $138 $248 $290 $18 $88 $782 $65
Optima SX $138 $248 $290 $18 $88 $782 $65
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Premium amounts do not factor in garaging location in Virginia Beach which can decrease or increase premiums substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $21 more each month or $252 annually than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 36 months between claim filings, you would probably come out ahead if you choose the higher deductible.

Age, gender, and Kia Optima insurance

The diagram below compares Kia Optima premium costs for male and female drivers. The premiums are based on no claims or driving violations, full physical damage coverage, $100 deductibles, single marital status, and no discounts are taken into consideration.

Car insurance agents near you

Many drivers just prefer to sit down and talk to an agent. Most agents are trained to spot inefficiencies and give you someone to call. One of the benefits of comparing rates online is that you can obtain cheaper rates and still have an agent to talk to.

To make it easy to find an agent, after completing this form (opens in new window), your insurance data gets sent to local insurance agents in Virginia Beach that provide free Virginia Beach auto insurance quotes for your business. You never need to leave your computer due to the fact that quote results will go directly to you. If you need to compare rates from a particular provider, you can always go to their quote page to submit a rate quote request.

Choosing the best insurer is decision based upon more than just the price. Any agent in Virginia Beach should have no problem answering these questions:

If you are wanting to find a local Virginia Beach insurance agent, there are two types of agencies that you can select. Agents are categorized either independent (non-exclusive) or exclusive. Either one can sell insurance policies, but it's important to point out the difference between them since it may influence the type of agent you choose.

Exclusive Agents

Agents that choose to be exclusive work for only one company such as Allstate, State Farm and Farmers Insurance. These agents are not able to compare rates from other companies so it's a take it or leave it situation. They are highly trained on their company's products which helps them compete with independent agents. Many people buy from the same agent for years partially due to the prominence of the brand and solid financial strength.

The following are Virginia Beach exclusive agencies willing to provide rate quotes.

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Independent Insurance Agencies

Agents of this type do not have single company limitations so they can quote policies through many companies and possibly get better coverage at lower prices. If they quote lower rates, they simply move the coverage in-house and you stay with the same agent. When shopping rates, you will want to get quotes from several independent insurance agents for the best price selection. Most also have access to smaller companies that many times have cheaper rates.

Below are independent insurance agencies in Virginia Beach who can help you get price quote information.

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