Best Cheap Insurance Quotes for a Kia Optima in Idaho

The odds of finding the best cheap auto insurance for a Kia Optima in Idaho is dependent upon a lot of different factors such as whether you are married or single, the condition of your credit, and your driving record. Drivers in Idaho pay an average rate of $620 per year to insure a Kia Optima, but that is a valuation that rates a 40-year-old single female driver with both comprehensive and collision coverage and $1,000 policy deductibles.

There is a good possibility you aren’t exactly 40 years old or even a female, maybe you are married instead of single, or maybe you do not need full coverage. What seems to be a small difference in policy rating data can make a huge difference in the amount insurance costs for a Kia Optima.

Every driver’s needs are different, and that is why your best shot at finding the most affordable coverage for your Kia is to compare rates from as many companies as possible.

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The specific trim level tends to have a direct impact on the annual cost of coverage, so the price you pay to insure a Optima LX will be $54 cheaper than the price to insure the more expensive Optima SX trim level, as shown in the prices below.

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Idaho minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Information does not factor in vehicle location which can change insurance rates considerably.

Figuring out which company has the most affordable car insurance rates for a Kia Optima involves a bit more work than just comparing a company or two. Every insurance company uses their own formula for determining prices, so we will examine the most competitive car insurance companies in Idaho.

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American National may have some of the lowest car insurance rates in Idaho at around $237 per year. Farm Bureau of ID Group, USAA, Oregon Mutual, and Travelers also rank well as some of the cheaper Idaho insurance companies.

As illustrated above, if you currently have coverage with Oregon Mutual and switched to American National, you may see annual savings of around $421. Insureds with Travelers might save as much as $449 a year, and American Family policyholders might reduce rates by $490 a year.

Remember that these policy prices are averaged across all types of drivers and the different vehicles they drive and do not factor in a specific rate factor for a Kia Optima. So the insurer that fits your age and vehicle best may not even be in the above rate chart. That illustrates why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

How to get discounts on Idaho auto insurance

Auto insurance companies that sell the best cheap insurance for a Kia Optima in Idaho may also provide policy discounts that could lower prices by as much as 35% if you meet specific criteria. The best car insurance companies and their possible discounts are outlined below.

• GEICO offers discounts including driver training, emergency military deployment, multi-policy, air bags, daytime running lights, and good student.
• Travelers discounts include continuous insurance, good student, driver training, new car, payment discounts, and home ownership.
• Nationwide has savings for good student, accident-free, business or organization, easy pay, and anti-theft.
• Farmers Insurance may include discounts for alternative fuel, mature driver, business and professional, youthful driver, teen driver, and homeowner.
• Esurance may offer discounts for renters, anti-lock brakes, online shopper, multi-policy, homeowner, safety device, and paid-in-full.
• State Farm offers premium reductions for safe vehicle, good driver, multiple policy, Drive Safe & Save, Steer Clear safe driver discount, student away at school, and defensive driving training.
• Progressive offers discounts for good student, multi-policy, online signing, multi-vehicle, homeowner, continuous coverage, and online quote discount.
• Mercury Insurance policyholders can earn discounts including location of vehicle, annual mileage, anti-theft, multi-car, and professional/association.

The chart below shows the difference between auto insurance costs with and without some available policy discounts. The data assumes a female driver, no violations or claims, Idaho state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple policy, accident-free, safe-driver, homeowner, vehicle safety, and multiple vehicle discounts applied. With discounts applied, the the average amount saved on car insurance for a Kia Optima is 28% or $411.

Comparing rates on Optima insurance can save you money

Idaho car insurance rates are influenced by many factors that control the price you pay for coverage. Simply improving your credit, moving across town, or getting a reckless driving citation can trigger changes in premium that can now make some companies more affordable than before.

Not only may your situation change, but auto insurance companies change prices as often as every quarter in order to protect their financial rating. Significantly higher losses can cause additional price hikes, while a better loss history may produce cheaper Optima insurance rates.

To illustrate this point, the data below shows which companies have the cheapest car insurance in Idaho for a 35-year-old male driver with a clean driving record, no accidents, and great credit. If we look at prices based on his current rating profile, American National quotes the cheapest car insurance rates in Idaho at $247 annually. This is $778 less than the average premium paid by Idaho drivers of $1,025. USAA, Farm Bureau of ID Group, Oregon Mutual, and Travelers are the remainder of the top five cheapest Idaho auto insurance companies.

The chart below compares rates after we give the driver from the first example a claim or two, slightly worse credit, and a speeding citation. Since each auto insurer uses their own calculation to determine rates, getting updated rate quotes could now result in a different ranking of cheap Idaho auto insurance companies as shown below.

USAA now has the best insurance rate in Idaho with Auto-Owners, The Hartford, American National, and Farm Bureau of ID Group also having competitive pricing. This example proves why it is important to spend some time comparing rates when trying to find the most budget-friendly auto insurance quotes for a Kia Optima. Prices are impacted by many things and can decrease or increase without notice, so the most economical company two years ago may now be quite expensive.

Find the best cheap insurance for a Kia Optima in Idaho

Lowering your rates is not difficult, and here are some of the better penny-pinching suggestions that can help drivers find cheaper auto insurance.

• Save money by insuring your home and auto with the same company
• Good credit scores may lower your rates
• Save money by staying claim-free
• Avoid getting citations and tickets
• Increase your policy deductibles
• Having at-fault accidents will increase rates
• Compare prices frequently to find the best deal

The last tip is extremely critical, as was pointed out in the prior article. Insurance prices vary considerably, so drivers shouldn’t be resistant to switch carriers if you find a better deal.

Having brand loyalty is commendable, but it’s not a great idea if that loyalty ends up costing money that could be used for better things. In just a few minutes you could shop around and find cheaper car insurance for a Kia Optima.