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Please note that lowest listed rates and potential savings may not be representative or available from all companies. autoguruquotes.com matches users to advertisers and insurance agents only after we've received certain information from you, and your actual rates and savings will vary based on your location, coverage limits, deductibles, driving records, type of vehicle, affiliations, and many other variables. The rates included in our advertising reflect the lowest monthly premium when paid semi-annually for a 2010 Kia Optima 4 Door Sedan driven for pleasure with less than 3000 miles per year for a male, 41 or older driver with an above-average driving record. Safe driver, association and alumni membership, and other discounts may have been applied.