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.

If 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.

• First, take a little time to learn about policy coverages and the modifications you can make to keep rates in check. Many factors that drive up the price such as at-fault accidents, careless driving, and a lousy credit rating can be controlled by making minor driving habit or lifestyle changes.
• Second, quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from a single company like Progressive or State Farm, while independent agents can provide rate quotes from multiple sources.
• Third, compare the new rate quotes to your existing rates to see if a cheaper price is available. If you find a better price, make sure coverage is continuous and does not lapse.
• Fourth, tell your current agent or company to cancel your current coverage. Submit any necessary down payment along with the completed application to your new carrier. Immediately keep the new proof of insurance paperwork in a readily accessible location in your vehicle.

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.

• Just about all states have compulsory liability insurance requirements which means you are required to carry a specific level of liability insurance coverage in order to drive the car. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you have a loan on your Optima, almost every bank will make it a condition of the loan that you carry insurance to guarantee their interest in the vehicle. If you default on your policy, the bank may buy a policy for your Kia at a significantly higher premium and force you to reimburse them for it.
• Car insurance protects both your Kia Optima and your assets. It also can pay for medical bills for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, will also pay to defend you if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.

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.

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.

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.

• Paperless Signup – Some companies may give you up to $50 just for signing your application online.
• Multiple Policy Discount – If you insure your home and vehicles with the same company you could earn a discount of at least 10% off all policies.
• Renewal Discounts – Select insurance companies give a discount for renewing your policy early. It can save you around 10%.
• Professional Memberships – Joining qualifying clubs or civic groups could qualify you for a break on your next auto insurance statement.
• Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle up can save up to 15% on medical payment and PIP coverage.
• Active Military Service – Having a deployed family member could qualify you for better premium rates.
• New Car Discount – Buying a new car instead of a used Optima can get you a discount because new model year vehicles keep occupants safer.

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.

• Farm Bureau offers discounts including 55 and retired, multi-policy, safe driver, driver training, renewal discount, and multi-vehicle.
• MetLife includes discounts for defensive driver, accident-free, multi-policy, claim-free, and good student.
• Progressive offers premium reductions for multi-vehicle, online quote discount, good student, online signing, and multi-policy.
• AAA has discounts for education and occupation, pay-in-full, good student, good driver, and multi-car.
• American Family may offer discounts for good driver, mySafetyValet, Steer into Savings, TimeAway discount, multi-vehicle, air bags, and early bird.
• GEICO has savings for seat belt use, federal employee, daytime running lights, multi-vehicle, membership and employees, and five-year accident-free.
• State Farm policyholders can earn discounts including student away at school, driver’s education, multiple autos, good student, Steer Clear safe driver discount, passive restraint, and accident-free.

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.

To 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.

• The Phoenix Insurance
  11615 Forest Central Dr #103 – Dallas, TX 75243 – (214) 253-0570 – View Map
• Texas Insurance Pro
  2695 Villa Creek Dr #175 – Dallas, TX 75234 – (214) 717-4326 – View Map
• Harrison Insurance Agency
  5001 Spring Valley Rd #400e – Dallas, TX 75244 – (972) 250-1776 – View Map

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.

• John Hall – State Farm Insurance Agent
  3110 Webb Ave #205 – Dallas, TX 75205 – (972) 807-2051 – View Map
• Todd Schara – State Farm Insurance Agent
  516 S Hampton Rd #140 – Dallas, TX 75208 – (214) 943-7500 – View Map
• Carlos Luevano – State Farm Insurance Agent
  4444 W Illinois Ave #304 – Dallas, TX 75211 – (214) 337-8888 – View Map

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:

• Is their price quote a firm figure or are their hidden costs?
• Which insurance company do they prefer to write with?
• Are claims handled at the agent’s location?
• Is the agent properly licensed in Texas?
• Are they giving you every discount you deserve?
• Does the agency provide any after hours assistance?
• Where would glass claims be handled in Dallas?

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.
For example, these questions could help you determine if your insurance needs might need professional guidance.

• Am I covered if I back into my garage door?
• Are combined or split liability limits better?
• Who is covered when they drive my Kia Optima?
• Are there any extra discounts I can get?
• Is my Kia Optima covered if I use it for business?
• What does PIP insurance cover?

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

• What is Full Coverage? (Allstate)
• Who Has Cheap Auto Insurance Rates for Young Drivers in Dallas? (FAQ)
• How Much are Car Insurance Quotes for Police Officers in Dallas? (FAQ)
• How Much are Dallas Car Insurance Rates for a Toyota Tacoma? (FAQ)
• Who Has Affordable Dallas Auto Insurance for High Mileage Drivers? (FAQ)
• Five Mistakes to Avoid (Insurance Information Institute)
• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)