Has it been over a year since you last compared quotes for lower-priced auto insurance rates in San Francisco, CA? San Francisco shoppers have many options when shopping for the lowest priced Kia Optima insurance. You can either waste hours driving around to compare prices or utilize the internet to make rate comparisons.
There are more efficient ways to buy auto insurance and we’ll show you the absolute fastest way to get price quotes for a new or used Kia and obtain the cheapest rates from both online companies and San Francisco agents.
Consumers need to do rate comparisons as often as possible because auto insurance prices tend to go up over time. Even if you think you had the lowest rates on Kia Optima insurance in San Francisco a few years ago the chances are good that you can find a lower premium rate today. Forget all the misinformation about auto insurance because it’s time to teach you one of the easiest ways to save on auto insurance.
If you are insured now or just want cheaper rates, you can use this information to find better prices and possibly find even better coverage. The goal of this article is to familiarize you with the best ways to compare prices and some money-saving tips. Shoppers only need to know the least time-consuming way to shop their coverage around online.
Getting low cost Kia Optima insurance pricing is a great way to save money. Consumers just need to invest a few minutes comparing rates from online providers.
The following companies can provide price quotes in San Francisco, CA. If more than one company is shown, we recommend you visit two to three different companies in order to get a fair rate comparison.
Auto insurance analysis for a Kia Optima
The premium information displayed next highlights different insurance prices for Kia Optima models. Having a better understanding of how rates are figured can help guide drivers when making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Optima LX | $422 | $844 | $674 | $40 | $202 | $2,182 | $182 |
| Optima EX | $476 | $996 | $674 | $40 | $202 | $2,388 | $199 |
| Optima SX | $476 | $996 | $674 | $40 | $202 | $2,388 | $199 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rate quotes do not factor in your specific San Francisco location which can lower or raise price quotes greatly.
How careless driving impacts San Francisco auto insurance rates
The chart below highlights how speeding tickets and at-fault collisions can drive up Kia Optima annual premium costs for each age group. The price estimates are based on a single female driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
Kia Optima full coverage rates compared to liability only
The information below compares Kia Optima insurance prices with and without full coverage. The data is based on no claims or driving violations, $250 deductibles, marital status is single, and no discounts are factored in.
Should you pay for full coverage or liability only?
There isn’t a written rule for phasing out physical damage coverage, but there is a general school of thought. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Kia Optima book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after paying your policy deductible. If you are paying more than $400 a year to have full coverage, then you might want to think about dropping full coverage.
There are a few cases where buying only liability insurance is not a good plan. If you still have a lienholder on your title, you have to keep full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not buy liability only.
Do I need special coverages?
When quoting and comparing the best car insurance coverage for your personal vehicles, there really is not a one size fits all plan. Your financial needs are unique.
Here are some questions about coverages that could help you determine whether or not you would benefit from professional advice.
- Will my insurance pay for OEM parts?
- When should my teen driver be added to my policy?
- Is pleasure use cheaper than using my Kia Optima to commute?
- Why am I required to buy liability insurance?
- Is there a penalty for late payment?
- What are the best liability limits?
If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form. It’s fast, free and can help protect your family.
Local neighborhood agents and insurance
Many people still like to have an agent’s advice and that can be a smart move Professional agents can help determine the best coverages and give you someone to call. An additional benefit of getting free rate quotes online is that you can find lower premium rates and still buy from a local agent. Buying from and supporting neighborhood insurance agencies is especially important in San Francisco.
After filling out this short form, the coverage information is instantly submitted to agents in your area that provide free San Francisco car insurance quotes and help you find cheaper coverage. There is no reason to find an agent because quoted prices will be sent to the email address you provide. If you wish to compare prices from a specific insurance company, feel free to navigate to their website to submit a rate quote request.
If you want a local San Francisco insurance agency, you need to know there are two different agency structures and how they differ in how they can insure your vehicles. Agents in San Francisco are classified as either independent agents or exclusive agents. Either type can do a good job, but it is a good idea to know the difference in how they write coverage since it can affect the selection process.
Independent Insurance Agencies or Brokers
Agents in the independent channel are not employed by one company so they have the ability to put coverage with a variety of different insurance companies and find the cheapest rate. If prices rise, an independent agent can move your coverage which requires no work on your part.
If you are comparing rate quotes, we recommend you get several quotes from independent agents to ensure the widest selection of prices. Most also write with smaller mutual companies which can save you money.
Below are independent agencies in San Francisco that can give you price quotes.
- Wang Insurance
2620 Judah St – San Francisco, CA 94122 – (415) 731-7062 – View Map - CAL Insurance and Associates
2311 Taraval St – San Francisco, CA 94116 – (415) 661-6500 – View Map - Blum-Blackfield Insurance Agency
2 Twin Peaks Blvd – San Francisco, CA 94114 – (415) 665-1440 – View Map
Exclusive Insurance Agents
Agents in the exclusive channel can only write with one company and examples are Farmers Insurance or State Farm. Exclusive agencies are unable to provide rate quotes from other companies so you might not find the best rates. Exclusive insurance agents are well schooled on the products they sell which helps them compete with independent agents. Many people choose to use an exclusive agent mostly because of the brand legacy and the convenience of having a single billing for all their coverages.
The following are exclusive insurance agents in San Francisco that are able to give rate quotes.
- Anita M Merrihew – State Farm Insurance Agent
3801 3rd St #585 – San Francisco, CA 94124 – (415) 285-2021 – View Map - Kate McIntyre – State Farm Insurance Agent
1215 9th Ave b – San Francisco, CA 94122 – (415) 661-3650 – View Map - Jerry Verdi – State Farm Insurance Agent
408 Columbus Ave #2 – San Francisco, CA 94133 – (415) 788-7881 – View Map
Finding the right insurance agency requires you to look at more than just the quoted price. The following questions are important to ask.
- What are their preferred companies if they are an independent agency?
- If you raise deductibles, how much can you save?
- Is their price quote a firm figure or are their hidden costs?
- Are they primarily personal or commercial lines agents in San Francisco?
- What discounts might you be missing?
- Do they have a Better Business Bureau rating in San Francisco?
- What is the financial rating for the quoted company?
- Does the company use OEM repair parts?
If you feel you receive positive feedback to any questions you may have as well as offering an affordable quote, you have narrowed it down to an insurance agent that is reliable enough to insure your vehicles.