Save Money on Kia Optima Insurance in Dallas

It’s an obvious conclusion that insurance companies want to keep you from shopping around. People who get comparison quotes once a year are inclined to buy a new policy because there is a great chance of finding discount prices. A recent study showed that consumers who shopped around every year saved $860 a year compared to other drivers who never compared prices.

If finding the cheapest price on car insurance is the reason for your visit, learning how to compare insurance rates can make the process less intimidating.

Discount Kia Optima insuranceIf you want to find the absolute lowest rates, then the best way to get the cheapest Kia Optima insurance in Dallas is to start comparing prices yearly from companies who provide car insurance in Texas. This can be done by following these guidelines.

One key aspect when comparing rates is that you use the same level of coverage on each quote request and and to get price quotes from as many carriers as you can. This guarantees an accurate price comparison and a complete price analysis.

Obtaining price quotes for the cheapest auto insurance policy in Dallas is not as difficult as people think. Essentially every car owner who shops for auto insurance stands a good chance to find better rates. But Texas vehicle owners must understand the way companies market on the web because it varies considerably.

Ways to get Kia Optima insurance quotes in Dallas, TX

Many insurance companies such as Allstate, GEICO and Progressive make it easy to get pricing directly from their websites. Comparing prices online for Kia Optima insurance in Dallas is pretty painless as you simply type in the coverage amounts you desire as requested by the quote form. Behind the scenes, their system makes automated requests for your driving record and credit report and provides a quote based on these factors.

The ability to get online rate quotes for Kia Optima insurance in Dallas streamlines rate comparisons, and it’s necessary to compare as many rates as possible if you want to find the best rate possible.

To quickly get comparison pricing now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have a policy now, it’s recommended you complete the form with your coverages exactly as shown on your declarations page. Using the same limits helps guarantee you will have comparison quotes using the same coverage and limits.

The companies shown below are our best choices to provide price comparisons in Dallas, TX. If multiple providers are shown, we recommend you visit several of them to get a more complete price comparison.

Car insurance is not optional

Even though it’s not necessarily cheap to insure a Kia in Dallas, insurance is not optional due to several reasons.

The benefits of insuring your car definitely exceed the price paid, especially with large liability claims. But the average American driver overpays as much as $865 each year so you should quote and compare rates once a year at a minimum to be sure current rates are still competitive.

Kia Optima insurance analysis

The coverage table displayed below covers detailed analysis of coverage costs for Kia Optima models. Learning a little about how insurance quotes are figured can be useful when making smart choices when buying a car insurance policy.

Kia Optima Insurance Rates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $166 $288 $444 $26 $132 $1,056 $88
Optima EX $186 $338 $444 $26 $132 $1,126 $94
Optima SX $186 $338 $444 $26 $132 $1,126 $94
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Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rates do not factor in vehicle garaging location which can alter insurance rates greatly.

Higher deductibles lower rates

One of the hardest decisions when shopping for auto insurance is what deductibles to buy. The rates below highlight the difference in cost when you buy lower versus higher deductibles. The first table uses a $250 deductible for comp and collision and the second set of rates uses a $1,000 deductible.

Kia Optima insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $294 $496 $430 $26 $128 $1,399 $117
Optima EX $332 $584 $430 $26 $128 $1,525 $127
Optima SX $332 $584 $430 $26 $128 $1,525 $127
Get Your Own Custom Quote Go

Kia Optima insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $182 $312 $430 $26 $128 $1,078 $90
Optima EX $206 $368 $430 $26 $128 $1,158 $97
Optima SX $206 $368 $430 $26 $128 $1,158 $97
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Price estimates do not factor in specific Dallas garaging location which can alter coverage rates substantially.

Based on the data above, we can derive that using a $250 deductible will cost you approximately $29 more each month or $348 every year than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 26 months between claims, you would save more money if you choose a higher deductible.

The information below demonstrates how deductible levels and can raise or lower Kia Optima insurance rates for each age group. The premium estimates are based on a single female driver, comp and collision included, and no policy discounts are applied.

How violations and accidents impact rates

The illustration below shows how violations and at-fault claims can increase Kia Optima insurance premiums for each age group. The premium estimates are based on a married female driver, full coverage, $500 deductibles, and no policy discounts are applied.

Kia Optima liability rates compared to full coverage

The chart below shows the comparison of Kia Optima insurance prices with and without full coverage. The price estimates are based on no claims or driving citations, $250 deductibles, drivers are single, and no additional discounts are factored in.

Should you be buying full coverage?

There is no set guideline that is best for determining when to drop comp and collision coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let’s say your Kia Optima claim settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $8,000 after the policy deductible has been paid. If you are paying more than $800 a year for physical damage coverage, then you might consider buying liability only.

There are a few situations where buying only liability insurance is not in your best interest. If you haven’t satisfied your loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not opt for liability only.

These seven discounts can lower your auto insurance rates

Some insurers do not advertise all their discounts in an easy-to-find place, so the following is a list of both the well known and also the more inconspicuous credits available to bring down your rates.Auto insurance discounts

As is typical with insurance, some of the credits will not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like you could get a free auto insurance policy, it just doesn’t work that way.

The example below shows the difference between Kia Optima insurance premiums with and without discounts applied to the rates. Data assumes a male driver, no claims or violations, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-policy, homeowner, claim-free, and multi-car discounts applied.

A list of companies and some of the discounts are detailed below.

Before you buy a policy, ask all companies you are considering the best way to save money. Savings may not be available in Dallas. To choose insurance companies that offer many of these discounts in Texas, follow this link.

Exclusive or independent car insurance agents

A lot of people still like to go talk to an agent. One of the best bonuses of comparing insurance prices online is the fact that you can find cheaper rates and also buy local. And buying from local insurance agents is important especially in Dallas.

Dallas insurance agentsTo find an agent, once you fill out this simple form, the coverage information is emailed to local insurance agents who can give free rate quotes for your insurance coverage. There is no reason to search for an agent because quoted prices will be sent to you directly. You can get cheaper car insurance rates without a big time investment. If you want to get a rate quote from a specific car insurance provider, you can always visit that company’s website to submit a rate quote request.

If you are wanting to find a local Dallas insurance agent, there are two types of insurance agents and how they work. Agents may be either exclusive or independent (non-exclusive).

Independent Agents

Independent agencies are not locked into one company so they can insure your vehicles with lots of companies and find you the best rates. To move your coverage to a new company, they simply move the coverage in-house and you don’t have to find a new agent. If you are comparing rate quotes, we recommend you get several quotes from independent agents to get the best comparison. Most also write with smaller regional carriers that may have much lower rates than larger companies.

Listed below is a list of independent insurance agencies in Dallas that may be able to give you pricing information.

More insurance agents

Exclusive Insurance Agencies

Exclusive insurance agents can only place business with one company and examples are Farmers Insurance, State Farm, Allstate, and AAA. They usually cannot provide rate quotes from other companies so it’s a take it or leave it situation. Exclusive insurance agents are usually quite knowledgeable on sales techniques which aids in selling service over price. Consumers frequently use the same exclusive agent mainly due to the brand legacy and solid financial strength.

The following is a list of exclusive insurance agencies in Dallas that are able to give price quotes.

More insurance agents

Finding the right insurance agent needs to be determined by more than just a cheap quote. Ask your prospective agent these questions:

You are unique and your auto insurance should be too

When quoting and comparing adequate coverage, there really isn’t a cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply.Drive safe and save
For example, these questions could help you determine if your insurance needs might need professional guidance.

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Learn about auto insurance coverages for a Kia Optima

Learning about specific coverages of auto insurance can be of help when determining the right coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and coverage can change by endorsement. These are the normal coverages available from auto insurance companies.

Comprehensive coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hail damage, vandalism, hitting a deer and a broken windshield. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Kia Optima.

Since many Texas drivers only purchase the least amount of liability that is required (Texas limits are 30/60/25), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for liability

This coverage protects you from damage or injury you incur to a person or their property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 30/60/25 which means $30,000 bodily injury coverage, a limit of $60,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as loss of income, funeral expenses and legal defense fees. How much coverage you buy is your choice, but you should buy higher limits if possible. Texas state minimum liability requirements are 30/60/25 but it’s recommended drivers buy more liability than the minimum.

The chart below demonstrates why the minimum limit may not be high enough to adequately cover claims.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for bills such as rehabilitation expenses, pain medications and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision insurance

This coverage will pay to fix damage to your Optima resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like damaging your car on a curb, hitting a mailbox, sustaining damage from a pot hole and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible on your Optima to bring the cost down.

Cheap coverage is out there

When buying insurance coverage, you should never skimp on coverage in order to save money. In many instances, consumers will sacrifice liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. The goal is to get the best coverage possible at the best price, but don’t skip important coverages to save money.

You just read many tips how you can reduce Kia Optima insurance rates online in Dallas. The most important thing to understand is the more providers you compare, the better your chances of lowering your auto insurance rates. You may even be surprised to find that the lowest rates come from some of the smallest insurance companies. Regional companies may often insure only within specific states and give better rates than their larger competitors like Allstate or State Farm.

There are still a few companies who may not have price quotes online and most of the time these regional insurance providers only sell through independent agencies. Cheaper car insurance in Dallas is attainable from both online companies as well as from independent agents in Dallas, so compare prices from both to have the best selection.

Much more information about car insurance in Texas can be read at the links below