We don’t have to point out that fact that insurance companies don’t want you comparing rates. People who compare rates annually are likely to buy a different policy because of the high probability of finding a policy with more affordable rates. Surprisingly, a recent survey revealed that drivers who compared rates annually saved about $850 each year compared to policyholders who never shopped around for lower prices.
If finding the best price on Kia Optima insurance in Kansas City is your ultimate objective, then having some knowledge of the best ways to find and compare coverage rates can save money and time.
If you want to save the most money, the best way to find lower priced Kia Optima insurance is to regularly compare quotes from providers that sell auto insurance in Kansas City.
- Get a basic knowledge of auto insurance and the things you can change to drop your rates. Many policy risk factors that drive up the price such as tickets, at-fault accidents, and your credit history can be improved by paying attention to minor details. Read the full article for tips to get lower rates and find missing discounts.
- Quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes from many different companies. Begin your rate comparison
- Compare the quotes to your existing coverage to see if a cheaper price is available. If you find a lower rate and buy the policy, make sure coverage is continuous and does not lapse.
- Give notification to your current company to cancel your current policy and submit a completed policy application and payment to the newly selected company. As soon as you can, place the new certificate verifying proof of insurance somewhere easily accessible.
A key point to remember is to make sure you’re comparing the same level of coverage on every price quote and and to get rates from as many carriers as you can. This helps ensure the most accurate price comparison and the best rate selection.
If you have a current insurance policy or just want to reduce your rates, follow these tips to reduce the price you pay and still get good coverage. Buying the cheapest insurance in Kansas City can really be easy if you know what you’re doing. Consumers just have to know how to shop for insurance from multiple carriers.
Companies offer many types of discounts on Kia Optima insurance in Kansas City
Car insurance is not an enjoyable expense, but you may be missing some discounts that can help lower your rates. Certain reductions will be credited when you get a quote, but some may not be applied and must be asked about before you will receive the discount.
- Membership in Organizations – Being in a qualifying organization may earn a discount on your next car insurance statement.
- Accident Free – Kansas City drivers who stay claim-free can earn big discounts compared to frequent claim filers.
- Telematics Discount – Kansas City drivers who agree to allow their company to monitor driving manner by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may see discounts if their driving habits are good.
- Defensive Driver Discounts – Passing a driver safety course is a good idea and can lower rates depending on where you live.
- Anti-theft Discount – Cars and trucks equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
- Accident Forgiveness – Not necessarily a discount, but companies like GEICO and Liberty Mutual permit an accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
- New Vehicle Savings – Putting insurance coverage on a new Optima can be considerably cheaper since newer vehicles have better safety ratings.
- Home Ownership Discount – Being a homeowner can save you money because owning a home demonstrates responsibility.
- Safe Driver Discounts – Accident-free drivers can save up to 40% or more on their Kansas City car insurance quote than drivers with accidents.
- Discount for Low Mileage – Maintaining low annual mileage can qualify you for discounted premium rates on garaged vehicles.
Remember that most discounts do not apply to the entire cost. Most cut individual premiums such as collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way.
The information below illustrates the comparison of Kia Optima insurance costs with and without discounts applied to the premium. The costs are based on a female driver, a clean driving record, no claims, Missouri state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, claim-free, homeowner, marriage, and multi-car discounts applied.
To locate insurance companies with discount rates in Missouri, click this link.
Getting more affordable auto insurance pricing is not a difficult process. You just need to invest a few minutes comparing rates from some recommended companies.
Comparing quotes online is fast and free, and it makes it obsolete to make phone calls or go to insurance agents’ offices. The ability to get quotes online has reduced the need for local agents unless your situation requires the guidance that only a licensed agent can provide. Some companies do allow you to comparison shop your insurance online but have a local agent actually write the policy.
The providers in the list below offer comparison quotes in Missouri. If your goal is to find cheaper auto insurance in MO, it’s highly recommended you visit several of them to get the most competitive price.
Rates and information analytics
The table displayed below outlines a range of policy rates for Kia Optima models. Being aware of how insurance prices are calculated can help customers make smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Optima LX | $142 | $268 | $406 | $24 | $122 | $962 | $80 |
| Optima EX | $160 | $316 | $406 | $24 | $122 | $1,028 | $86 |
| Optima SX | $160 | $316 | $406 | $24 | $122 | $1,028 | $86 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Premium costs do not factor in vehicle location which can revise rates substantially.
How high should deductibles be?
One of the hardest decisions when shopping for auto insurance is which deductible level should you buy. The rates shown below may help you to understand how much more rates are between high and low insurance deductibles. The first rate estimation uses a $250 deductible and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Optima LX | $206 | $346 | $302 | $18 | $90 | $987 | $82 |
| Optima EX | $232 | $408 | $302 | $18 | $90 | $1,075 | $90 |
| Optima SX | $232 | $408 | $302 | $18 | $90 | $1,075 | $90 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Optima LX | $168 | $280 | $302 | $18 | $90 | $858 | $72 |
| Optima EX | $188 | $330 | $302 | $18 | $90 | $928 | $77 |
| Optima SX | $188 | $330 | $302 | $18 | $90 | $928 | $77 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Rates do not factor in your specific Kansas City location which can change auto insurance rates substantially.
We can derive from the above data that using a $250 deductible will cost in the ballpark of $12 more each month or $144 annually than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally go more than 21 months between claim filings, you would most likely save money if you choose a higher deductible.
How to determine when to raise your deductibles
| Average monthly premium for $250 deductibles: | $87 |
| Average monthly premium for $500 deductibles (subtract): | – $75 |
| Monthly savings from raising deductible: | $12 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $12 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
One big caveat is that raising deductibles means you pay more out-of-pocket when you have a claim. That will require some funds available in the event you have to pay the deductible.
Safe drivers pay cheaper rates
The diagram below shows how traffic citations and at-fault claims can raise Kia Optima annual premium costs for different age groups of insureds. The costs are based on a single female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.
Does full coverage make sense?
The illustration below visualizes the comparison of Kia Optima insurance costs with and without physical damage coverage. The data is based on no claims, a clean driving record, $250 deductibles, drivers are single, and no policy discounts are applied.
Should you pay for full coverage?
There isn’t a written rule to stop paying for physical damage coverage, but there is a broad guideline. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
For example, let’s say your Kia Optima claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, you would only receive $7,000 after you pay the deductible. If you are paying more than $700 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.
There are some scenarios where eliminating full coverage is not financially feasible. If you haven’t paid off your loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage in place.
You may need help from an insurance agent
Many drivers still like to talk to a local agent and that is recommended in a lot of cases Professional agents will help you protect your assets and help in the event of a claim. A nice benefit of price shopping on the web is the fact that you can find the lowest rates and also buy local. And buying from local agents is still important in Kansas City.
By using this short form, the coverage information is submitted to insurance agents in Kansas City who can give free rate quotes to get your business. You never need to search for any insurance agencies because prices are sent to you directly. If you want to compare rates for a specific company, don’t hesitate to search and find their rate quote page and fill out the quote form the provide.
Two different types of auto insurance agents
If you would like to find a local insurance agency, it helps to know the two types of agencies from which to choose. Auto insurance agents in Kansas City are categorized either independent agents or exclusive agents. Both types of agents can properly insure your vehicles, but it’s worth mentioning why they differ since it may influence your agent selection.
Independent Auto Insurance Agents
Agents that elect to be independent are normally appointed by many insurers so they can insure your vehicles with an assortment of companies enabling the ability to shop coverage around. If they quote lower rates, they simply move the coverage in-house which makes it simple for you. If you need cheaper auto insurance rates, you will definitely want to check rates from a couple of independent agencies for maximum quote selection.
Shown below are independent insurance agents in Kansas City who may provide pricing information.
Francisco Banuelos Insurance
536 Benton Blvd – Kansas City, MO 64124 – (816) 920-5400 – View Map
Daniel Crawford Insurance Agency
1201 NW Briarcliff Pkwy #345 – Kansas City, MO 64116 – (816) 390-4790 – View Map
Banuelos Insurance Agency LLC
902 Southwest Blvd – Kansas City, MO 64108 – (816) 994-3600 – View Map
Exclusive Insurance Agents
Exclusive agents write business for a single company and examples are AAA, Allstate, and State Farm. Exclusive agents cannot compare other company’s rates so you might not find the best rates. These agents are very knowledgeable on sales techniques which helps them compete with independent agents.
Shown below is a short list of exclusive agents in Kansas City that are able to give price quotes.
Etta McKenzie – State Farm Insurance Agent
11818 Blue Ridge Blvd – Kansas City, MO 64134 – (816) 861-8600 – View Map
American Family Insurance – Robert Redmond Agency Inc.
6315 Brookside Plaza #104 – Kansas City, MO 64113 – (816) 361-8600 – View Map
Joe Nowatzki – State Farm Insurance Agent
10201 N Oak Trafficway #400 – Kansas City, MO 64155 – (816) 420-0200 – View Map
Picking an auto insurance agent is decision based upon more than just the quoted price. Get answers to these questions too.
- If your car is totaled, how to they determine the replacement cost?
- Do they make recommendations based only on price?
- What are the financial ratings for the companies they represent?
- Will their companies depreciate repairs to your car based on the mileage?
- Will the agent or a CSR service your policy?
- Do they have designations such as AIC, CPCU, or CIC?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
Find cheap rates by being thorough
In this article, we presented many ways to reduce Kia Optima insurance rates online in Kansas City. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding affordable Kansas City car insurance quotes. Drivers may even discover the lowest rates are with a small mutual company. These companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.
As you prepare to switch companies, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where consumers will sacrifice collision coverage and learned later that the small savings ended up costing them much more. Your objective should be to buy a smart amount of coverage at the best possible price but still have enough coverage for asset protection.
More detailed car insurance information is located in these articles:
- Car Insurance: When not to Skimp (BankRate.com)
- Who Has Cheap Car Insurance Quotes for Nurses in Kansas City? (FAQ)
- Who Has Affordable Auto Insurance for a Nissan Altima in Kansas City? (FAQ)
- Who Has the Cheapest Kansas City Car Insurance for Teenage Males? (FAQ)
- All About Airbag Safety (State Farm)
- Safety Features for Your New Car (State Farm)