Compare Kia Optima Insurance Quotes in Arlington

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Would you prefer to buy more affordable Kia Optima insurance in Arlington? Using the web to shop for Arlington car insurance quotes online may appear to be difficult at first if you are one of the many people new to online insurance quotes. But don't give up because online price shopping is actually quite simple.

How to find cheaper quotes for Kia Optima insurance in Arlington

If saving money is your primary concern, then the best way to get more affordable Kia Optima insurance in Arlington is to start comparing rates regularly from different companies who provide car insurance in Texas. Prices can be compared by following these guidelines.

  1. Try to learn about how companies set rates and the measures you can control to keep rates low. Many policy risk factors that cause rate increases such as speeding tickets, careless driving and an imperfect credit rating can be rectified by making minor changes to your lifestyle. Continue reading for additional tips to prevent rate hikes and get bigger discounts.
  2. Quote rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from one company like GEICO and Allstate, while independent agencies can provide rate quotes for many different companies.
  3. Compare the new quotes to your current policy premium to determine if you can save on Optima insurance in Arlington. If you can save money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Provide notification to your current agent or company to cancel your current coverage and submit the completed application along with a down payment to the newly selected company. Immediately upon receiving it, put the proof of insurance certificate in an easily accessible location in your vehicle.

The most important part of this process is to make sure you enter identical limits and deductibles on every quote and and to get rate quotes from as many companies as possible. Doing this helps ensure an apples-to-apples comparison and a complete price analysis.

Insurance for Kia OptimaA recent insurance study discovered that nearly 70% of customers have been with the same company for well over three years, and approximately 38% of consumers have never shopped around. The average driver in America can save approximately $859 each year just by getting comparison quotes, but they won't spend time to compare rates online.

If you have coverage now, you stand a good chance to be able to buy cheaper insurance using the ideas presented in this article. This information will let you in on how insurance works and some tips to save money. Nevertheless, Texas consumers must understand how companies compete online and apply this information to your search.

Educated Choices Result in Lower Insurance Costs

Many factors are part of the equation when quoting car insurance. Some of the criteria are obvious such as your driving record, although others are less obvious like your vehicle usage and annual miles driven.

The factors shown below are most of the major factors used by companies to determine prices.

  • Single vs. married - Your spouse may earn you lower rates on car insurance. It demonstrates that you tend to be more mature and responsible and insurance companies like that married drivers tend to file fewer claims.
  • High comp and collision deductibles reduce prices - The deductibles represent how much money you are required to pay before a claim is paid by your company. Insurance for physical damage to your car, also known as collision and other-than-collision, insures against damage to your car. Some instances where coverage would apply are collision with another vehicle, damage from fire, or theft of your vehicle. The more of the claim you are required to pay out-of-pocket, the lower your rates will be.
  • Higher prices for specific vocations - Careers like military personnel, police officers, and emergency personnel tend to pay higher average rates due to intense work requirements and extremely grueling work hours. Other careers such as professors, historians and performers have the lowest average rates.
  • Don't abuse insurance claims - If you tend to file frequent claims, you can definitely plan on increased rates or even have your policy non-renewed. Auto insurance companies in Texas generally give lower rates to drivers who do not file claims often. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • City traffic equals higher rates - Choosing to live in a small town is a good thing when insuring your vehicles. Fewer drivers and short commutes means reduced accidents in addition to lower liability claims. Residents of big cities have more aggressive driving styles and longer commute times. More time on the road means more chances of being involved in an auto accident.
  • Kia Optima historical loss data - Insurance companies use historical loss data to calculate a rate that offsets possible losses. Vehicles that the data shows to have increased claim numbers or amounts will have higher rates for specific coverages. The information below illustrates the compiled insurance loss statistics for Kia Optima vehicles.

    For each insurance policy coverage type, the claim probability for all vehicles, as a total average, is set at 100. Values that are below 100 indicate better than average losses, while numbers shown that are more than 100 point to more claims or statistically larger losses.

    Kia Optima Insurance Loss Statistics
    Vehicle 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

Just remember that making a lot of price comparisons will improve the odds of getting the best price.

The companies shown below are our best choices to provide comparison quotes in Arlington, TX. If you want to find the best auto insurance in Arlington, we suggest you visit as many as you can in order to find the most competitive rates.

Car insurance data for a Kia Optima

The coverage table displayed below covers different policy rates for Kia Optima models. Learning how prices are determined can help drivers make informed coverage decisions.

Kia Optima Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $374 $592 $564 $34 $168 $1,732 $144
Optima EX $422 $698 $564 $34 $168 $1,886 $157
Optima SX $422 $698 $564 $34 $168 $1,886 $157
Get Your Own Custom Quote Go

Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium amounts do not factor in Arlington location which can modify coverage prices significantly.

Raise deductibles and save

When buying car insurance, a common question is at what level do you set your deductibles. The figures shown below may help to conceptualize the premium difference when you select higher and lower physical damage coverage deductibles. The first rate comparisons uses a $100 deductible for comp and collision and the second rate chart uses a $500 deductible.

Kia Optima insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $328 $592 $430 $26 $128 $1,529 $127
Optima EX $370 $698 $430 $26 $128 $1,677 $140
Optima SX $370 $698 $430 $26 $128 $1,677 $140
Get Your Own Custom Quote Go
Kia Optima insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $240 $400 $430 $26 $128 $1,224 $102
Optima EX $270 $472 $430 $26 $128 $1,326 $111
Optima SX $270 $472 $430 $26 $128 $1,326 $111
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 claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in zip code location which can decrease or increase premium rates significantly.

Based on the figures above, using a $100 deductible costs roughly $28 more each month or $336 a year than requesting the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally go more than 14 months between claim filings, you would come out ahead if you choose the higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $100 deductibles: $136
Average monthly premium for $500 deductibles (subtract): - $108
Monthly savings from raising deductible: $28
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One important issue to know is that raising deductibles to get cheaper rates means you will have to pay more out-of-pocket when you have to file a claim. That will require some money saved in order to pay the higher deductible.

The illustration below illustrates how your deductible choice and can influence Kia Optima annual premium costs for different categories of driver ages. The premiums are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.

Three reasons to not skimp on car insurance

Even though it can be expensive, insurance may not be optional for several reasons.

  • The majority of states have mandatory insurance requirements which means state laws require a specific level of liability insurance if you don't want to risk a ticket. 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 lien on your Optima, more than likely the lender will stipulate that you have full coverage to ensure they get paid if you total the vehicle. If you default on your policy, the bank will be required to insure your Kia at a much higher premium rate and force you to pay for the much more expensive policy.
  • Car insurance preserves not only your vehicle but also your assets. It will also cover all forms of medical expenses that are the result of an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney in the event you are sued. If you have damage to your Kia as the result of the weather or an accident, collision and comprehensive coverages will pay to repair the damage.

The benefits of insuring your car greatly outweigh the cost, especially with large liability claims. In a recent study of 1,000 drivers, the average customer overpays as much as $865 each year so we recommend shopping around at every renewal to ensure rates are inline.

Determine discounts to get cheap Arlington auto insurance rates

Car insurance can cost a lot, but you may qualify for discounts that can help lower your rates. Some discounts apply automatically at the time of quoting, but once in a while a discount must be asked about before you get the savings.Discount auto insurance

  • No Accidents - Claim-free drivers can save substantially when compared to bad drivers.
  • Seat Belt Discounts - Drivers who always wear seat belts and also require passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Passenger Safety Discount - Cars that have air bags may qualify for discounts of 20 to 30 percent.
  • ABS Braking Discount - Anti-lock brake equipped vehicles have fewer accidents and therefore earn up to a 10% discount.
  • Low Mileage Discounts - Keeping the miles down on your Kia may allow you to get better auto insurance rates on cars that stay parked.
  • Payment Discounts - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Active Military Service - Being deployed in the military may qualify for rate reductions.
  • Arlington Homeowners Discount - Simply owning a home can earn you a little savings due to the fact that maintaining a home requires a higher level of personal finance.
  • First Accident Forgiveness - Not really a discount, but some insurance companies will forgive one accident without raising rates if you have no claims before the accident.

Remember that most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though it appears all those discounts means the company will pay you, that's just not realistic.

The illustration below visualizes the comparison of Kia Optima insurance premiums with and without discounts applied to the policy premium. The rate quotes are based on a female driver, no violations or accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, multi-policy, safe-driver, and marriage discounts applied.

Larger auto insurance companies and the discounts they provide are outlined below.

  • Farm Bureau may include discounts for good student, 55 and retired, multi-vehicle, youthful driver, driver training, multi-policy, and safe driver.
  • State Farm offers premium reductions for accident-free, Drive Safe & Save, passive restraint, anti-theft, driver's education, student away at school, and safe vehicle.
  • Progressive offers discounts including homeowner, multi-policy, continuous coverage, online signing, online quote discount, and good student.
  • Allstate includes discounts for safe driver, EZ pay plan discount, anti-lock brakes, 55 and retired, multi-policy, good payer, and resident student.
  • Nationwide offers discounts for accident-free, easy pay, business or organization, family plan, anti-theft, and multi-policy.
  • MetLife may have discounts that include multi-policy, claim-free, accident-free, defensive driver, good student, good driver

Double check with all companies you are considering how many discounts you can get. Some credits might not be offered everywhere. If you would like to see a list of providers that provide some of the discounts listed above in Arlington, click here.

When should I have guidance from an insurance agent?

A lot of people prefer to visit with an insurance agent and that is OK! One of the best bonuses of comparing rate quotes online is you may find the lowest rates and still have an agent to talk to.

Find insurance agent in ArlingtonAfter completing this quick form, your insurance coverage information is transmitted to agents in your area who will give you bids for your insurance coverage. It simplifies rate comparisons since you won't have to leave your house since price quotes are sent instantly to you. You can find better rates without requiring a lot of work. If for some reason you want to compare rates from a specific insurance company, don't hesitate to search and find their rate quote page and give them your coverage information.

Picking an provider requires you to look at more than just the quoted price. These are valid questions to ask:

  • What is the financial rating for the quoted company?
  • If independent agents, which companies do they recommend?
  • Did they already check your driving record and credit reports?
  • How long have they been in business?
  • Is there a 24/7 contact number?

If you want a reliable insurance agent, you should know the types of insurance agents to choose from. Insurance agents in Arlington are either independent or exclusive.

Exclusive Agencies

These agents can only place business with one company like American Family, State Farm, and Allstate. Exclusive agencies are unable to place coverage with different providers so they really need to provide good service. They are very knowledgeable on their company's products which helps overcome the inability to quote other rates. Some insured continue to purchase coverage from exclusives mainly due to the prominent brand name rather than low price.

Listed below are exclusive agencies in Arlington willing to provide price quote information.

More insurance agents

Independent Insurance Agents

Independent insurance agents can quote rates with many companies so they can insure your vehicles with lots of companies enabling the ability to shop coverage around. If you want to switch companies, your agent can switch companies and you stay with the same agent.

If you need lower rates, you should always check rates from at a minimum one independent agency to get the most accurate price comparison. Most independent agents also contract with small regional insurance companies which could offer lower prices.

Shown below is a list of independent agents in Arlington willing to provide comparison quotes.

More insurance agents

If you get reasonable responses for all questions you ask and low cost Kia Optima insurance quotes, it's a good possibility that you have found an auto insurance agent that can be trusted to properly insure your vehicles.

How to find a good Texas auto insurance company

Finding a highly-rated insurer can be a challenge considering how many choices you have in Texas. The ranking data in the lists below can help you analyze which insurers to look at to insure your vehicles.

Top 10 Arlington Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA - 91%
  2. AAA Insurance - 90%
  3. Esurance - 90%
  4. Mercury Insurance - 89%
  5. Nationwide - 89%
  6. Travelers - 88%
  7. Progressive - 88%
  8. Safeco Insurance - 88%
  9. State Farm - 88%
  10. Allstate - 88%

Top 10 Arlington Car Insurance Companies Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Special considerations

When quoting and comparing a policy, there isn't really a "best" method to buy coverage. Each situation is unique and a cookie cutter policy won't apply.Drive safe and save Here are some questions about coverages that might help in determining if your insurance needs would benefit from professional advice.

  • Does my policy pay for OEM or aftermarket parts?
  • Can I afford to buy a different vehicle if my Kia Optima is totaled?
  • What if I total my Kia Optima and owe more than it's worth?
  • Is a fancy paint job covered?
  • What does medical payments coverage do?
  • Is a driver training discount available?
  • What is roadside assistance coverage?
  • How long can I keep a teen driver on my policy?
  • Should I buy only the required Texas minimum liability coverage?
  • Does my policy cover me if I wreck while driving under the influence?

If you can't answer these questions but you know they apply to you then you might want to talk to an agent. If you don't have a local agent, complete this form or click here for a list of car insurance companies in your area.

Lower rates by being persistent

Low-cost Kia Optima insurance in Arlington can be purchased online as well as from independent agents in Arlington, and you should be comparing both to have the best selection. Some car insurance companies do not offer price quotes online and most of the time these small, regional companies work with local independent agents.

We've covered many tips how you can shop for Kia Optima insurance online. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest auto insurance rates are with a smaller regional carrier. These companies may often insure only within specific states and give better rates than their larger competitors like State Farm, GEICO and Nationwide.

When buying insurance coverage, it's not a good idea to reduce needed coverages to save money. In many instances, an insured dropped uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

How to buy lower priced Kia Optima insurance in Arlington

If you want to save money, the best way to find low-cost prices for auto insurance rates in Arlington is to annually compare prices from providers who sell insurance in Texas. Price quotes can be compared by following these steps.

  • Step 1: Try to learn about coverages and the steps you can take to prevent expensive coverage. Many policy risk factors that increase rates such as distracted driving and a low credit rating can be controlled by making lifestyle changes or driving safer.
  • Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from a single company like GEICO and Allstate, while agents who are independent can provide price quotes for a wide range of insurance providers.
  • Step 3: Compare the price quotes to your existing policy to see if switching to a new carrier will save money. If you can save some money and switch companies, ensure there is no coverage lapse between policies.

One thing to point out is to make sure you enter the same liability limits and deductibles on each quote request and and to get quotes from as many car insurance companies as possible. This provides a fair price comparison and a complete selection of prices.

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