Insurance quote for Kia Optima in CasperPaying for overpriced Kia Optima insurance in Casper can sap your savings account and possibly require postponing other expenditures.

It's hard to believe, but the vast majority of auto insurance customers have purchased from the same company for at least four years, and approximately 40% of consumers have never even compared rates from other companies. Casper insurance shoppers could pocket as much as 20% a year by just shopping around, but most just don't grasp the actual amount they would save if they replace their high priced policy. People have multiple insurance companies to pick from, and although it's nice to have multiple companies, it can be more difficult to adequately compare rates for Kia Optima insurance in Casper.

It is always a good idea to do price comparisons at least once a year because auto insurance prices trend upward over time. Even if you think you had the lowest price on Kia Optima insurance in Casper a few years ago you can probably find a better rate now. Ignore everything you know about auto insurance because it's time to teach you one of the best ways to save on auto insurance.

Cheap car insurance in Casper, WY

The companies in the list below provide quotes in Wyoming. If the list has multiple companies, we recommend you visit two to three different companies to get the most affordable price.

Kia Optima Insurance Rates in Casper, WY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $238 $462 $380 $22 $114 $1,216 $101
Optima EX $342 $754 $490 $28 $146 $1,760 $147
Optima SX $214 $426 $546 $32 $164 $1,382 $115
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wyoming minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rate information does not factor in specific location which can raise or lower coverage prices significantly.

Cost comparison with and without full coverage

The example below examines Kia Optima insurance rates when comparing full coverage to state minimum liability only. The information is based on no claims or driving citations, $250 deductibles, single male driver, and no discounts are applied.

When to eliminate full coverage

There is no definitive rule for phasing out physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let's pretend your Kia Optima replacement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $2,000 after paying your deductible. If premiums are more than $200 annually for comprehensive and collision coverage, then it could be time to drop full coverage.

There are a few situations where dropping full coverage is not advised. If you have an outstanding loan on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if you can't afford to buy a different vehicle in case of an accident, you should not drop full coverage.

Rate comparison for different deductibles

One of the hardest decisions when shopping for car insurance is how high should the deductibles for physical damage be. The tables below can help illustrate the rate differences when you choose different physical damage deductibles. The first data set uses a $100 deductible and the second rate chart uses a $500 deductible.

Kia Optima insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $308 $556 $404 $24 $122 $1,439 $120
Optima EX $348 $656 $404 $24 $122 $1,579 $132
Optima SX $348 $656 $404 $24 $122 $1,579 $132
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Kia Optima insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $226 $376 $404 $24 $122 $1,152 $96
Optima EX $254 $444 $404 $24 $122 $1,248 $104
Optima SX $254 $444 $404 $24 $122 $1,248 $104
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Wyoming minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rate quotes do not factor in vehicle location which can influence rates greatly.

Based on the figures above, using a $100 deductible will cost you approximately $27 more each month or $324 a year than requesting the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 15 months between claim filings, you would probably save some money by going with a higher deductible.

Impact of speeding/accidents on Casper car insurance rates

The chart below highlights how traffic violations and at-fault accidents can raise Kia Optima auto insurance costs for different age groups. The costs are based on a single male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.

Take policy discounts and save on Kia Optima insurance in Casper

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to help offset the cost. Certain discounts will be applied when you get a quote, but occasionally some discounts must be specifically requested prior to getting the savings.Cheaper car insurance with discounts

While discounts sound great, it's important to understand that many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as comprehensive or collision. So even though you would think it's possible to get free car insurance, you won't be that lucky. But any discount will reduce your policy premiums.

A few popular companies and the discounts they provide can be read below.

It's a good idea to ask all the companies which credits you are entitled to. Some discounts listed above might not be available to policyholders in every state. To choose companies that offer some of these discounts in Wyoming, follow this link.

Quote Kia Optima Insurance More Affordably

An important part of buying insurance is that you know the rating factors that go into determining your policy premiums. If you have a feel for what determines base rates, this allows you to make educated decisions that may result in better auto insurance rates.

Cheaper rates after marriage - Walking down the aisle can get you a discount when shopping for auto insurance. Having a spouse may mean you are more responsible and statistics prove drivers who are married file infrequent claims.

Never let your auto insurance policy lapse - Driving your car without having proper coverage is a misdemeanor and your next policy will cost more because you let your insurance lapse. Not only will rates go up, failure to provide proof of insurance could earn you fines and jail time.

The type of car makes a difference - The performance of the vehicle you are insuring makes a huge difference in the rate you pay. The most favorable rates will normally be found when insuring low performance passenger models, but that's not the only thing that factors into the final price. Since the Kia Optima is a passenger car, rates will be similar in price or lower than the average rate where you live in Casper.

Do you qualify for a multi-policy discount? - Many insurance companies will give a discount to clients who buy several policies from them such as combining an auto and homeowners policy. If you currently are using one company, you still need to check prices from other companies to help ensure you have the lowest rates.

Teenage vs. mature drivers - Beginning drivers in Wyoming have been known to be inattentive with other occupants in the car and because of this, their auto insurance rates are much higher. Older, more experienced drivers are more cautious drivers, tend to cause fewer accidents, and receive fewer citations.

Car insurance liability insurance limits - The liability section of your policy will protect you if a jury decides you are liable for causing damage or personal injury in an accident. It provides legal defense coverage up to the limits shown on your policy. Liability insurance is pretty cheap compared to comp and collision, so drivers should buy more than the minimum limits required by law.

Loss statistics for a Kia Optima - Companies analyze claim trends for every vehicle to determine a price that will be profitable for them. Vehicles that the data determines to have a trend towards higher claim severity or frequency will cost more to insure.

The table below illustrates the insurance loss data used by companies for Kia Optima vehicles. For each policy coverage type, the statistical loss for all vehicles averaged together is considered to be 100. Values that are below 100 suggest losses that are better than average, while percentages above 100 indicate frequent claims or a tendency for losses to be larger than average.

Insurance Loss Ratings for Kia Optima Vehicles

Specific Kia Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Kia Optima 115 101 107 133 142 120
Kia Optima Hybrid 143 115 116 139 158 151

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Should I get advice from an insurance agency?

A lot of people would prefer to buy from a licensed agent and that is not a bad decision Good insurance agents can answer important questions and help in the event of a claim. One of the best bonuses of getting online price quotes is the fact that you can find cheap rate quotes but also keep your business local.

Insurance agents in CasperBy using this quick form, the quote information is sent to agents in your area who will gladly provide quotes for your car insurance coverage. There is no need to contact any insurance agencies since price quotes are sent to you instantly. If you wish to compare rates for a specific company, just visit that company's website and fill out their quote form.

Finding the right provider is decision based upon more than just a cheap price quote. You should also get answers to these questions.

If you want to use a reputable insurance agent or broker, you must know there are a couple different types of agents and how they differ in how they can insure your vehicles. Car insurance agents in Casper are considered either exclusive or independent agents depending on their company appointments. Both can insure your vehicles properly, but it's important to point out the difference in how they write coverage because it can impact which agent you choose.

Exclusive Car Insurance Agents

Agents of this type work for only one company like Farmers Insurance, Allstate, or State Farm. They are unable to shop your coverage around so they are skilled at selling on more than just price. Exclusive agents receive a lot of sales training on their company's products which can be an advantage.

Below is a short list of exclusive insurance agents in Casper who can help you get comparison quotes.

132 W Collins Dr - Casper, WY 82601 - (307) 237-9700 - View Map

1740 E 2nd St - Casper, WY 82601 - (307) 234-1522 - View Map

1540 Centennial Ct #200 - Casper, WY 82609 - (307) 333-7500 - View Map

More Casper agents

Independent Car Insurance Agents

These type of agents are not limited to a single company so they can insure your vehicles through many companies and find you cheaper rates. If they find a cheaper price, they simply move your policy to a different company and you can keep the same agent.

When comparison shopping, you need to compare quotes from a few independent agents in order to compare the most rates.

Listed below are Casper independent agencies that can give you rate quotes.

1821 S Walnut St - Casper, WY 82601 - (307) 267-3647 - View Map

1545 E 2nd St - Casper, WY 82601 - (307) 234-1073 - View Map

Insurance Services LLC
1620 Nottingham Dr - Casper, WY 82609 - (307) 265-8182 - View Map

More Casper agents

More quotes mean more auto insurance savings

We covered many tips how you can find cheap Kia Optima insurance in Casper. It's most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may even find the biggest savings come from the smaller companies. They may cover specific market segments cheaper than their larger competitors like State Farm, GEICO and Nationwide.

More affordable auto insurance in Casper is available both online and from local agencies, so you need to quote Casper auto insurance with both so you have a total pricing picture. Some insurance companies may not have internet price quotes and many times these smaller companies only sell through independent agents.

More detailed auto insurance information is located at these sites: