Insurance rates Kia Optima in Fort CollinsBeing forced to pay for expensive car insurance premiums can stress out your funds and maybe even restrict other spending. Shopping your coverage around is recommended to make ends meet.

Shocking but true, the vast majority of consumers in Colorado renewed their policy with the same company for well over three years, and just under half have never compared rate quotes at all. American drivers could save approximately 46.5% a year just by comparing rates, but they don't believe the rate savings if they switch to a new company.

You have so many auto insurance companies to purchase coverage from, and even though it's nice to have multiple companies, it can be more challenging to compare rates and find the lowest cost car insurance.

Get cheaper rates on Kia Optima insurance in Fort Collins with these auto insurance discounts

Some providers don't list all possible discounts in an easy-to-find place, so the list below details both well-publicized and the more hidden credits available to lower your premiums when you buy Fort Collins car insurance online.

Discounts save money, but please remember that some of the credits will not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you can get free auto insurance, companies don't profit that way.

To view insurers with the best Kia Optima insurance discounts in Fort Collins in Colorado, click this link.

The quickest way to get policy rate comparisons for Kia Optima insurance in Fort Collins is to understand auto insurance companies participate in a system to give rate comparisons. All you need to do is provide information such as whether you drive to work or school, level of coverage desired, an estimate of your credit level, and if you have a valid license. Your information is then submitted to many highly-rated insurers and you receive quotes with very little delay.

To start a rate quote now, click here and enter your coverage details.

The companies shown below are ready to provide price comparisons in Fort Collins, CO. If multiple companies are listed, we suggest you get prices from several of them in order to find the cheapest rates.

Kia Optima Insurance Rate Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $302 $546 $396 $24 $118 $1,386 $116
Optima EX $190 $340 $396 $24 $118 $1,068 $89
Optima SX $238 $458 $382 $22 $114 $1,214 $101
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Prices do not factor in your specific Fort Collins location which can influence premium rates significantly.

Raise deductibles and save

The diagram below highlights how deductible selection and can affect Kia Optima yearly insurance costs for each age group. The information is based on a married male driver, full physical damage coverage, and no additional discounts are factored in.

Rate comparison of men versus women

The information below shows the comparison of Kia Optima annual premium costs for male and female drivers. The premiums assume no driving violations, no at-fault accidents, full coverage, $250 deductibles, single marital status, and no discounts are factored in.

Educated Choices Result in Lower Insurance Premiums

The best way to find cheaper auto insurance is to take a look at the different types of things that go into determining auto insurance rates. When you know what positively or negatively determines base rates, this empowers consumers to make smart changes that will entitle you to better auto insurance rates.

The following are a few of the "ingredients" auto insurance companies consider when setting rates.

How to know if you need help

When selecting a policy for your vehicles, there is no best way to insure your cars. Everyone's situation is unique.

These are some specific questions can aid in determining whether your personal situation might need an agent's assistance.

If you don't know the answers to these questions, you might consider talking to an agent. To find lower rates from a local agent, complete this form.

Do I need a local insurance agent?

A small number of people would prefer to talk to an insurance agent and that is just fine! A nice benefit of comparing car insurance online is that you can obtain cheaper rates but still work with a licensed agent. Buying from and supporting neighborhood agents is definitely important in Fort Collins.

To help locate an agent, after submitting this simple form, your coverage information is emailed to insurance agents in Fort Collins who will return price quotes for your coverage. You won't even need to contact an agency due to the fact that quote results will go to the email address you provide. You can get cheaper car insurance rates without the usual hassles of price shopping. If you want to compare rates from a specific insurance company, feel free to search and find their rate quote page and submit a quote form there.

Deciding on an company is decision based upon more than just a cheap quote. These questions are important to ask:

Once you have received good answers to all your questions and the cheapest Kia Optima insurance in Fort Collins quotes, it's a good possibility that you have found an insurer that is professional and can insure your vehicles.

Three reasons to not skimp on insurance

Despite the potentially high cost of Kia Optima insurance, buying insurance is a good idea for several reasons.

The benefits of buying insurance definitely exceed the price paid, particularly when you have a large claim. Despite what companies tell you, the average driver is wasting up to $825 a year so it's very important to do a rate comparison each time the policy renews to make sure the price is not too high.

Cover all your bases

As you quote Fort Collins car insurance, do not buy less coverage just to save a little money. There have been many situations where consumers will sacrifice uninsured motorist or liability limits only to find out that the savings was not a smart move. Your goal is to purchase a proper amount of coverage at the best possible price and still be able to protect your assets.

We covered quite a bit of information on how to find cheaper Kia Optima insurance in Fort Collins. It's most important to understand that the more companies you get premium rates for, the better chance you'll have of finding affordable Fort Collins car insurance quotes. Consumers could even find that the lowest priced auto insurance comes from a small mutual company.

Drivers leave their current company for any number of reasons including extreme rates for teen drivers, questionable increases in premium, delays in responding to claim requests or delays in paying claims. Whatever your reason, finding a new company is pretty simple and you could end up saving a buck or two.

Other articles