How long has it been since you sat down and looked for more competitive Kia Optima insurance in Dallas? Have you fallen victim to an underperforming, overpriced car insurance policy? You're preaching to the choir because you're not alone.

Discount Kia Optima insuranceUnimaginable but true, nearly 70% of customers have been with the same company for over three years, and 38% of customers have never compared quotes from other companies. Texas drivers can save approximately $1,770 each year, but they don't want to take the time to do a rate comparison.

Big-name insurance companies like State Farm and GEICO all claim big savings, bombarding you with fancy advertisements and it is challenging if not impossible to ignore the propaganda and take the time to shop coverage around.

Smart consumers take time to do rate comparisons before your next renewal since rates are usually higher with each renewal. Even if you think you had the lowest rate on Kia Optima insurance in Dallas a year ago you can probably find a lower rate today. Block out anything you think you know about car insurance because we're going to demonstrate one of the quickest ways to save money, get proper deductibles and limits, all at the lowest rate.

If you already have coverage, you will be able to get lower rates using the ideas presented in this article. Finding affordable auto insurance coverage in Dallas can initially seem challenging. But Texas consumers can benefit by having an understanding of how insurance companies sell insurance online and use it to find better rates.

When price shopping your coverage, comparing a wide range of rates increases the chance that you will find lower pricing. Not every company allows you to get price estimates online, so you need to compare rates from those companies as well.

The following companies offer free rate quotes in Texas. To find the best cheap car insurance in Dallas, we recommend you compare several of them to get the best price comparison.

Kia Optima Insurance Rates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $322 $682 $520 $30 $156 $1,710 $143
Optima EX $286 $572 $452 $26 $136 $1,472 $123
Optima SX $300 $580 $582 $34 $174 $1,670 $139
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Prices do not factor in Dallas location which can raise or lower coverage rates greatly.

Should you raise deductibles?

The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The comparisons below may help to conceptualize the cost difference between high and low policy deductibles. The first rate table uses a $250 deductible for comp and collision and the second pricing table uses a $1,000 deductible.

Kia Optima insurance premium rates 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
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Kia Optima insurance premium rates 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
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Table data does not factor in garaging location in Dallas which can increase or decrease auto insurance rates significantly.

Based on the figures above, using a $250 deductible costs approximately $29 more each month or $348 annually than choosing the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 26 months between claim filings, you would probably save some money if you choose a higher deductible.

Age, gender, and Kia Optima insurance

The chart below illustrates the difference between Kia Optima yearly insurance costs for male and female drivers. The rate quotes are based on no tickets, no at-fault accidents, full coverage, $100 deductibles, drivers are single, and no policy discounts are applied.

Insurance discounts are available to get cheap rates

Companies offering auto insurance do not advertise all their discounts very clearly, so the following list contains some of the best known in addition to some of the lesser obvious discounts that you can inquire about if you buy Dallas auto insurance online. If you do not check that you are getting every discount you deserve, you are paying more than you should be.Insurance discounts

A quick disclaimer, most discount credits are not given to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, insurance companies aren't that generous.

Larger insurance companies and their possible discounts are included below.

When quoting, ask all the companies what discounts are available to you. Discounts may not be offered in Dallas. For a list of providers that offer multiple discounts in Texas, click here.

How Your Optima Insurance Prices are Determined

Part of the insurance buying process is learning the factors that play a part in calculating your insurance rates. If you have a feel for what determines base rates, this allows you to make good choices that could help you find lower rates.

The higher your credit history the lower your premiums - An insured's credit rating can be an important factor in determining premium rates. Insureds with high credit scores tend to be better drivers and file fewer claims as compared to drivers with bad credit. Therefore, if your credit score is not that good, you may save money insuring your Kia Optima if you improve your credit rating.

Save money by having multiple policies - Most larger companies will award a discount to buyers that purchase more than one policy in the form of a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. Even if you're getting this discount drivers will still want to compare Kia Optima rates in Dallas to make sure you are getting the best deal.

Responsible drivers pay the best premiums - Careful drivers get better prices as compared to those with violations. Getting just one speeding ticket or other violation can bump up the cost substantially. Drivers who have received license-revoking violations such as reckless driving or DUI may find they need to prove financial responsibility with their state in order to keep their license.

Stress out and pay more - Did you know your insurance rates can be affected by your occupation? Jobs such as fire fighters, executives and stock brokers generally pay higher average rates due to high stress levels and lots of time spent away from family. Other occupations like actors, historians and homemakers have lower than average premiums.

Getting married can save on insurance - Having a significant other helps lower the price on your insurance bill. It means you're more responsible and insurance companies reward insureds because drivers who are married are more cautious.

Fast cars cost more to insure - The type of car or truck you are trying to find cheaper insurance for makes a significant difference in your rates. Since the Kia Optima is considered a passenger car, insurance will be similar in price or lower when compared to the average rates in Dallas. Lower performance four cylinder passenger models receive the most favorable rates, but there are many factors that impact the final cost.

Only buy what you need - Insurance companies have many add-on coverages that you can get tricked into buying if you don't pay attention. Insurance for rental car reimbursement, high-cost glass coverage, and term life insurance are probably not needed. They may seem like a good idea when you first buy your policy, but your needs may have changed so eliminate them to save money.

Drive less and save - Driving a lot of miles each year the more you will pay for insurance. The majority of insurers rate vehicles based on how the vehicle is used. Autos not used for work or commuting qualify for better rates than those used for commuting. Incorrect rating for your Optima is throwing money out the window. Double check that your insurance policy is rated on the correct usage.

Kia Optima claim data - Companies take into consideration historical loss data for every vehicle to help set a rate to offset losses. Vehicles that are shown to have higher losses will cost more to insure. The data below shows the insurance loss data used by companies for Kia Optima vehicles.

For each type of coverage, the claim amount for all vehicles, as a total average, is set at 100. Percentage numbers below 100 imply a favorable loss record, while numbers above 100 point to more claims or an increased likelihood of larger losses.

Kia Optima Insurance Loss Statistics

Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Kia Optima 115 101 107 133 142 120
Kia Optima Hybrid 143 115 116 139 158 151
BETTER
AVERAGE
WORSE

Statistics from IIHS.org for 2013-2015 Model Years

Don't I need to have guidance from an agent?

Some people still like to sit down and talk to an agent and often times that is recommended A good thing about comparing rate quotes online is you can get cheap rate quotes and still buy from a local agent. And buying from local agents is still important in Dallas.

Insurance agents in DallasBy using this short form, the coverage information is instantly submitted to participating agents in Dallas who will give you quotes and help you find cheaper coverage. You won't need to search for an agent since rate quotes are delivered immediately to your email address. Get lower rates without having to waste a lot of time. In the event you want to get a price quote from a specific auto insurance provider, you just need to jump over to their website and fill out their quote form.

What types of car insurance agents are in Dallas?

If you are wanting to find a good insurance agency, you must know there are a couple different types of agents that you can choose from. Agents in Dallas can be described as either exclusive or independent agents depending on their company appointments.

Independent Auto Insurance Agents

Independent insurance agents are not locked into one company and that enables them to quote your coverage with multiple insurance companies and find the cheapest rate. If premiums increase, the agent simply finds a different carrier and the insured can keep the same agent. When comparing rate quotes, we recommend you check rates from multiple independent agents to have the best price comparison.

The following are independent agents in Dallas that may be able to give free rate quotes.


2695 Villa Creek Dr #175 - Dallas, TX 75234 - (214) 717-4326 - View Map


8702 Spring Valley Rd - Dallas, TX 75240 - (972) 586-7488 - View Map


5001 Spring Valley Rd #400e - Dallas, TX 75244 - (972) 250-1776 - View Map

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Exclusive Insurance Agencies

Agents in the exclusive channel are contracted to one company such as Farmers Insurance or State Farm. These agents are not able to provide other company's prices so it's a take it or leave it situation. Exclusive insurance agents are trained well in insurance sales and that can be a competitive advantage.

Listed below is a list of exclusive insurance agencies in Dallas willing to provide comparison quotes.


10455 N Central Expy Ste 105 - Dallas, TX 75231 - (214) 987-2886 - View Map

Mike Baker - State Farm Insurance Agent
3400 Carlisle St Ste 470 - Dallas, TX 75204 - (214) 780-0900 - View Map


1441 N Cockrell Hill Rd #100 - Dallas, TX 75211 - (214) 333-0404 - View Map

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Selecting an insurance agency should include more criteria than just a cheap quote. Get answers to these questions too.

After getting good responses to any questions you have in addition to an acceptable price estimate, it's a good possibility that you have found an insurance agency that is reliable enough to properly insure your vehicles. But remember, it's your policy and you can cancel your coverage at any time so never feel that you're stuck with a specific company with no way out.

How much auto insurance do I need?

Always remember that when buying the right insurance coverage for your vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.Auto insurance savings

Here are some questions about coverages that could help you determine if you may require specific advice.

If it's difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form.

Don't give up on cheaper rates

Insureds leave their current company for a number of reasons such as extreme rates for teen drivers, an unsatisfactory settlement offer, lack of trust in their agent or even policy non-renewal. It doesn't matter why you want to switch choosing a new company is easier than you think.

Cost effective Kia Optima insurance is available from both online companies as well as from independent agents in Dallas, and you should compare price quotes from both to have the best rate selection. Some companies may not offer price quotes online and most of the time these smaller providers prefer to sell through local independent agents.

You just learned some good ideas how to save on Kia Optima insurance in Dallas. It's most important to understand that the more providers you compare, the higher your chance of finding affordable Kia Optima insurance quotes. Drivers may even discover the lowest car insurance rates come from some of the smallest insurance companies.

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