Are you looking for more competitive Kia Optima insurance in Wichita? No car owner likes having to buy insurance, especially when the cost is way too high.

Discount Kia Optima insuranceA recent NerdWallet.com study revealed that nearly 70% of consumers have purchased from the same company for four years or more, and nearly 40% of drivers have never compared insurance rates at all. Kansas drivers could save nearly $809 every year just by comparing rates, but they underestimate how much they could save if they just switched companies.

There is such a variety of car insurance companies to insure vehicles with, and though it is a good thing to have a selection, lots of choices makes it harder to find the lowest rates for Kia Optima insurance in Wichita.

Auto insurance providers offering competitive prices in Kansas

The companies shown below provide price comparisons in Wichita, KS. If several companies are displayed, it's a good idea that you visit several of them in order to find the lowest rates.

Kia Optima Insurance Costs in Wichita, KS
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $216 $428 $392 $24 $118 $1,178 $98
Optima EX $232 $354 $424 $26 $126 $1,162 $97
Optima SX $132 $270 $366 $22 $110 $900 $75
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can revise coverage prices substantially.

Analysis of deductible levels

The illustration below illustrates how choosing a deductible and can change Kia Optima insurance prices for different age groups. The rate quotes are based on a married female driver, comp and collision included, and no discounts are factored in.

Deductible comparison

One of the more difficult decisions when buying auto insurance is how low should you set your deductibles. The following insurance rates may help to illustrate the premium difference when you choose different physical damage deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second price grid uses a $1,000 deductible.

Kia Optima insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $246 $446 $324 $20 $96 $1,157 $96
Optima EX $278 $524 $324 $20 $96 $1,267 $106
Optima SX $278 $524 $324 $20 $96 $1,267 $106
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Kia Optima insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $136 $234 $324 $20 $96 $810 $68
Optima EX $154 $276 $324 $20 $96 $870 $73
Optima SX $154 $276 $324 $20 $96 $870 $73
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Kansas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Premium costs do not factor in specific location information which can revise coverage rates greatly.

Based on these figures, using a $100 deductible will cost in the ballpark of $32 more each month or $384 every year than quoting the higher $1,000 deductible. Since you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 28 months between claim filings, you would save money if you choose the higher deductible.

Auto insurance cost for men versus women

The example below compares Kia Optima auto insurance costs for male and female drivers. The information is based on no violations or accidents, full coverage, $250 deductibles, drivers are not married, and no discounts are applied to the premium.

Insurance discounts help lower rates for Kia Optima insurance in Wichita

Companies don't always publicize every available discount very well, so we break down a few of the more common in addition to some of the lesser obvious credits that may apply to you.Discount insurance

While discounts sound great, it's important to understand that most of the big mark downs will not be given to the entire policy premium. Most cut the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that all the discounts add up to a free policy, it's just not the way it works.

A few of the larger companies and the discounts they provide can be found below.

Check with each insurance company how you can save money. A few discounts may not apply to policies in every state. If you would like to see a list of insurance companies with significant discounts in Wichita, follow this link.

Compare rates but work with a neighborhood Wichita auto insurance agent

A small number of people would rather go talk to an agent and that can be a great decision One of the benefits of comparing insurance prices online is that you can find the best rates but still work with a licensed agent.

Insurance agents in WichitaTo find an agent, once you fill out this quick form, the coverage information gets sent to local insurance agents in Wichita who can give free rate quotes to get your business. You won't even need to contact any insurance agencies because prices are sent to your email. You can find the lowest rates without a big time investment. If you have a need to get a rate quote from a specific insurance company, feel free to visit that company's website and fill out their quote form.

Picking the best insurer requires more thought than just the bottom line cost. Below are some questions you should ask.

Auto insurance agents in Wichita come in two varieties

When researching a local Wichita insurance agent, you need to know there are two different agency structures and how they can write your policy. Agents in Wichita can be described as either independent or exclusive depending on the company they work for.

Exclusive Insurance Agencies

Exclusive insurance agents generally can only insure with one company and examples are American Family, State Farm, and AAA. Exclusive agents cannot compare rates from other companies so you might not find the best rates. Exclusive agents are highly trained on their products and sales techniques which aids in selling service over price.

The following are exclusive agents in Wichita who may provide you with price quotes.


530 N Ridge Rd D - Wichita, KS 67212 - (316) 722-9009 - View Map


2803 W 13th St N - Wichita, KS 67203 - (316) 941-4545 - View Map


10254 W 13th St N - Wichita, KS 67212 - (316) 729-4600 - View Map

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Independent Car Insurance Agencies

Agents of this type are not restricted to one company so as a result can place your coverage with an assortment of companies and get you the best rates possible. To move your coverage to a new company, they simply move the coverage in-house and you don't have to switch agencies.

When searching for an agent, it's recommended you get quotes from at least one independent agent to get the best comparison.

The following is a short list of independent agencies in Wichita that can give you comparison quotes.


245 N Waco Ave #330 - Wichita, KS 67202 - (316) 352-5700 - View Map


8415 E 21st St N #210 - Wichita, KS 67206 - (316) 440-4240 - View Map


616 W Douglas Ave - Wichita, KS 67203 - (316) 440-1790 - View Map

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After getting positive responses to all your questions and affordable Kia Optima insurance rates in Wichita quotes, it's possible that you found a car insurance agent that meets the criteria to insure your vehicles.

But they said I'd save $413 a year!

Insurance providers like State Farm, Allstate and GEICO constantly bombard you with television and radio advertisements. All the companies make an identical promise about how much you will save just by switching to them. Is it even possible that every company can offer you a better deal on Kia Optima insurance in Wichita? This is the trick they use.

Insurance providers look for specific characteristics for the right customer that earns them the most money. For example, a desirable insured might be described as over the age of 45, has a clean driving record, and drives a car with an anti-theft system. A customer getting a price quote who fits that profile receives the best prices in Wichita and will most likely save when they switch companies.

Potential insureds who are not a match for the "perfect" profile may be forced to pay higher prices which translates to the customer buying from someone else. The trick is to say "customers who switch" but not "all drivers who get quotes" save the amount stated. That's why companies can truthfully make claims that they all have the best rates. This really illustrates why you absolutely need to get Wichita car insurance quotes from several different companies. It is impossible to guess which company will fit your personal profile best.

Insurance specifics

Having a good grasp of a insurance policy helps when choosing appropriate coverage for your vehicles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on most insurance policies.

Collision coverages - This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like colliding with another moving vehicle, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible on your Optima to save money on collision insurance.

Medical expense coverage - Medical payments and Personal Injury Protection insurance kick in for bills for pain medications, X-ray expenses and ambulance fees. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Uninsured or underinsured coverage - This provides protection from other motorists when they are uninsured or don't have enough coverage. This coverage pays for injuries sustained by your vehicle's occupants and damage to your Kia Optima.

Because many people only purchase the least amount of liability that is required (Kansas limits are 25/50/10), their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Liability - Liability coverage can cover damages or injuries you inflict on a person or their property. It protects you from legal claims by others, and doesn't cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/10 that means you have $25,000 in coverage for each person's injuries, $50,000 for the entire accident, and a total limit of $10,000 for damage to vehicles and property.

Liability insurance covers claims such as funeral expenses, structural damage and bail bonds. How much liability should you purchase? That is a personal decision, but it's cheap coverage so purchase as large an amount as possible. Kansas requires drivers to carry at least 25/50/10 but you should think about purchasing higher limits.

Comprehensive protection - This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hail damage, vandalism, a tree branch falling on your vehicle, falling objects and a broken windshield. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Cheaper car insurance premiums are out there

As you prepare to switch companies, don't be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage at the lowest possible cost and still be able to protect your assets.

Budget-friendly car insurance in Wichita can be bought online and from local agencies, so you need to shop Wichita car insurance with both in order to have the best price selection to choose from. There are still a few companies who may not provide price quotes online and most of the time these regional carriers sell through local independent agencies.

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