Are you tired of overpaying and want low-cost Kia Optima insurance in Bismarck? Comparison shopping for cheap Kia Optima insurance in Bismarck can be very difficult for drivers who have little experience shopping for insurance online. You have so many choices that it can easily turn into a difficult challenge to find the best price in North Dakota on Kia Optima insurance.

Discount Kia Optima insuranceAmazingly, the majority of drivers kept their policy with the same company for at least four years, and just short of a majority have never shopped around. Bismarck insurance shoppers could pocket nearly $740 a year just by shopping around, but most tend to underestimate the rate savings if they switched to a cheaper policy.

Consumers need to price shop coverage periodically since rates change frequently. Even if you got the best rate on Kia Optima insurance in Bismarck a couple years back the chances are good that you can find a lower price today. Ignore everything you know about insurance because we're going to show you the fastest and easiest way to find lower rates on insurance.

When shopping for inexpensive Bismarck car insurance quotes, there are a couple of ways to get quotes from different companies. The best way to find the lowest Kia Optima rates is to perform an online rate comparison. When price shopping your coverage, comparing more prices will increase your chances of finding lower pricing. Some companies don't provide online rate quotes, so it's necessary to compare quotes from those companies as well.

The companies shown below offer price quotes in Bismarck, ND. If the list has multiple companies, we suggest you visit two to three different companies in order to get a fair rate comparison.

Kia Optima Insurance Costs in Bismarck, ND
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $226 $386 $350 $20 $104 $1,086 $91
Optima EX $148 $268 $352 $20 $106 $894 $75
Optima SX $302 $464 $448 $26 $134 $1,374 $115
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can lower or raise price quotes noticeably.

Rate comparison for different deductibles

One of the more difficult decisions when buying auto insurance is how high should the deductibles for physical damage be. The figures shown below outline the differences in premium rates between high and low insurance deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.

Kia Optima insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $260 $470 $342 $20 $102 $1,219 $102
Optima EX $294 $554 $342 $20 $102 $1,337 $111
Optima SX $294 $554 $342 $20 $102 $1,337 $111
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Kia Optima insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $144 $248 $342 $20 $102 $856 $71
Optima EX $164 $292 $342 $20 $102 $920 $77
Optima SX $164 $292 $342 $20 $102 $920 $77
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Dakota minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate information does not factor in vehicle location which can revise auto insurance rates noticeably.

Based on these figures, using a $100 deductible would cost the average driver about $33 more each month or $396 each year than requesting the higher $1,000 deductible. Because you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 27 months between claim filings, you would come out ahead if you choose a higher deductible.

Should you buy full coverage?

The illustration below shows the difference between Kia Optima premium costs with full physical damage coverage compared to only buying liability only. The price estimates are based on no accidents or driving violations, $250 deductibles, married male driver, and no discounts are taken into consideration.

Should you be buying full coverage?

There is no definitive formula of when to eliminate full coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let's say your Kia Optima replacement cost is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $3,000 after you pay the deductible. If you are paying more than $300 annually for comprehensive and collision coverage, then you might consider buying liability only.

There are some situations where dropping full coverage is not recommended. If you still owe a portion of the original loan, you have to carry full coverage to protect the lienholder's interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Cheap Bismarck insurance quotes with discounts

Auto insurance companies don't always publicize the entire discount list very well, so the list below gives a summary of a few of the more well known and the harder-to-find discounts that you may qualify for.Cheaper insurance with discounts

We need to note that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like having all the discounts means you get insurance for free, it's just not the way it works.

Some of the larger companies that may offer most of these discounts are:

When getting free Bismarck car insurance quotes, it's a good idea to every prospective company which credits you are entitled to. Some credits may not be available in Bismarck.

How You Can Control Kia Optima Insurance Rates

Many things are part of the equation when pricing auto insurance. Some factors are common sense like a motor vehicle report, but other criteria are more transparent such as your marital status or your vehicle rating. A large part of saving on car insurance is knowing some of the factors that go into determining your car insurance rates. If you have some idea of what determines base rates, this allows you to make good choices that may reward you with lower premium levels.

The following are a partial list of the pieces utilized by car insurance companies to help set your rates.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage, there really is no "best" method to buy coverage. You are unique.Drive safe and save

For instance, these questions may help highlight whether your personal situation would benefit from professional advice.

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. If you don't have a local agent, take a second and complete this form.

Keep this in mind when shopping around

Drivers leave their current company for a number of reasons such as not issuing a premium refund, questionable increases in premium, being labeled a high risk driver or poor customer service. Regardless of your reason for switching companies, choosing a new insurance company is not as difficult as it may seem.

Cheap Kia Optima insurance in Bismarck is definitely available from both online companies as well as from insurance agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who may not provide rate quotes online and these smaller companies work with independent insurance agencies.

As you quote Bismarck car insurance, make sure you don't buy less coverage just to save a little money. There have been many cases where someone dropped full coverage only to find out that they should have had better coverage. Your goal should be to get the best coverage possible at an affordable rate, but don't skip important coverages to save money.

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