When searching for more affordable insurance, are you confused by the crazy number of car insurance choices available to you? Drivers have such a large number of options that it can quickly become a difficult challenge to find the perfect company for you. Lots of people think Colorado Springs is the perfect city to reside in, but expensive car insurance premiums can make it hard for many drivers to keep a tight budget.

Insurance for Kia OptimaIt's astonishing, but almost 70% of insureds have stayed with the same insurance company for more than four years, and nearly half have never compared rates with other companies. Many drivers in Colorado Springs could save as much as 35% each year, but they don't invest the time required to compare other rate quotes.

Affordable auto insurance in Colorado Springs, CO

The auto insurance companies shown below are ready to provide free rate quotes in Colorado. If the list has multiple companies, we recommend you click on several of them in order to find the lowest rates.

Kia Optima Insurance Cost Estimates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $296 $628 $480 $28 $144 $1,576 $131
Optima EX $242 $426 $404 $24 $122 $1,218 $102
Optima SX $184 $332 $404 $24 $122 $1,066 $89
Get Your Own Custom Quote Go

Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Estimates do not factor in Colorado Springs location which can change prices considerably.

Policy deductibles

The example below demonstrates how choosing different deductibles and can change Kia Optima insurance costs for each different age category. The premium estimates are based on a married male driver, full physical damage coverage, and no other discounts are factored in.

Where to set your deductibles

One of the more difficult decisions when buying auto insurance is the level to set your comp and collision deductibles. The following insurance rates can help you visualize the differences in price of buying low and high deductibles. The first rate comparisons uses a $250 deductible and the second rate chart uses a $500 deductible.

Kia Optima insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $272 $458 $396 $24 $118 $1,293 $108
Optima EX $306 $538 $396 $24 $118 $1,407 $117
Optima SX $306 $538 $396 $24 $118 $1,407 $117
Get Your Own Custom Quote Go
Kia Optima insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $220 $368 $396 $24 $118 $1,126 $94
Optima EX $250 $434 $396 $24 $118 $1,222 $102
Optima SX $250 $434 $396 $24 $118 $1,222 $102
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium amounts do not factor in specific location information which can revise auto insurance rates greatly.

Based on this data, using a $250 deductible will cost in the ballpark of $15 more each month or $180 every year than choosing the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you usually have at least 17 months between claim filings, you would save money by selecting a higher deductible.

Auto insurance premiums based on gender

The illustration below shows the difference between Kia Optima insurance costs for male and female drivers. The prices are based on no claims or driving citations, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

Car insurance rates and discounts

Companies offering auto insurance don't always publicize every discount they offer very clearly, so we break down both the well known as well as some of the hidden discounts that may be available. If you do not double check each discount you deserve, you are just wasting money.

Don't be surprised that many deductions do not apply to the whole policy. The majority will only reduce individual premiums such as collision or personal injury protection. So when it seems like all those discounts means the company will pay you, it's just not the way it works. But any discount will bring down the cost of your policy.

A list of car insurance companies and some of the discounts can be found below.

When comparing rates, check with every prospective company to give you their best rates. Some discounts may not apply to policies in Colorado Springs. To see insurance companies with the best Kia Optima insurance discounts in Colorado Springs, click this link.

How do I know if I need professional advice?

Keep in mind that when it comes to choosing coverage for your vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs and your auto insurance should be unique as well. For instance, these questions might help in determining whether or not you will benefit from professional help.

If you're not sure about those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

What if I want to buy from local Colorado Springs insurance agents?

A small number of people would prefer to have an agent's advice and we recommend doing that An additional benefit of price shopping on the web is that you can obtain cheap rate quotes but still work with a licensed agent. Buying from and supporting local agents is important especially in Colorado Springs.

Insurance agency in Colorado SpringsTo help locate an agent, after submitting this short form, the quote information is sent to local insurance agents who want to provide quotes to get your business. You won't need to drive around since price quotes are sent to you instantly. You can find lower rates and work with a local agent. If you have a need to quote rates from a specific insurance company, just visit that company's website and complete a quote there.

Shown below are agents in Colorado Springs that may be able to provide comparison quotes for Kia Optima insurance in Colorado Springs.

View more agents

Deciding on a insurer requires you to look at more than just the bottom line cost. The answers to these questions are important, too.

Once you have received good responses to these questions in addition to an acceptable price estimate, you may have just found an provider that is a good match to properly insure your vehicles. Just understand that it's your coverage and you can terminate coverage for any reason so never assume that you're stuck with a specific company with no way to switch.

What is YOUR best insurance company?

Lower-priced Kia Optima insurance in Colorado Springs is definitely available on the web and with local Colorado Springs insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies may not have the ability to get a quote online and usually these small, regional companies prefer to sell through independent insurance agencies.

We just covered a lot of tips how to save on Kia Optima insurance in Colorado Springs. The key thing to remember is the more price quotes you have, the better chance you'll have of finding low cost Colorado Springs car insurance quotes. Consumers could even find that the most savings is with a company that doesn't do a lot of advertising. These companies may only write in your state and offer lower prices than the large multi-state companies such as State Farm and Allstate.

Other information