I can’t think of a single person who likes having to buy car insurance, particularly when their premiums are too high. Big companies like GEICO and Progressive promote their brand names with catchy ads and it can be hard to see past the corporate glitz and do the work needed to find the best deal.
It is always a good idea to price shop coverage once or twice a year since insurance rates tend to go up over time. Even if you got the best price on Optima insurance on your last policy you will most likely find a better rate today. So ignore everything you know about car insurance because it’s time to teach you the only way to lower your annual insurance bill.
How to Get Texas Car Insurance Comparison Quotes
Getting better Kia Optima car insurance pricing is surprisingly easy. All that’s required is to take a few minutes comparing rate quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.
- The recommended way to get quotes is an all-inclusive rate comparison click here to open form in new window. This form eliminates the need for repetitive form submissions for every car insurance company. One form submission gets you coverage quotes from several companies.
- A less efficient way to shop for car insurance online requires you to visit the website for every company you want to comare and request a quote. For example, let’s assume you want comparison quotes from Farmers, Safeco and Liberty Mutual. To find out each rate you need to spend time on each company’s site and enter your information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.
Which method you use is up to you, but double check that you are using the exact same coverages for every quote you compare. If you have mixed coverages you will not be able to determine the lowest rate for your Kia Optima.
These discounts can slash car insurance rates
Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to help offset the cost. Certain discounts will be applied when you purchase, but a few must be specifically requested before you get the savings. If you don’t get every credit possible, you’re paying more than you need to.
- Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
- Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
- 55 and Retired – If you qualify as a senior citizen, you may receive a small decrease in premiums on Optima insurance.
- Seat Belts Save – Drivers who require all occupants to wear their seat belts can save up to 15% off your medical payments premium.
- Paperwork-free – Certain companies give back up to $50 just for signing your application online.
- Defensive Driver – Successfully completing a course in driver safety could save 5% or more depending on where you live.
- Sign Early and Save – Some insurance companies reward drivers for switching to them prior to your current policy expiring. It can save you around 10%.
- Claim Free – Claim-free drivers pay less when compared with bad drivers.
- Student in College – Youth drivers who are attending college and do not have access to a covered vehicle may be able to be covered for less.
It’s important to note that some of the credits will not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like you could get a free car insurance policy, companies wouldn’t make money that way. Any amount of discount will bring down the amount you have to pay.
To choose providers with discount car insurance rates in Texas, click this link.
When might I need the advice of an agent?
When it comes to choosing the right insurance coverage for your vehicles, there is no perfect coverage plan. Each situation is unique so your insurance needs to address that. These are some specific questions might point out whether your personal situation would benefit from an agent’s advice.
- How many claims can I have before being cancelled?
- Is my vehicle covered by my employer’s policy when using it for work?
- Do I need rental car coverage?
- Who is covered by my policy?
- What are the financial responsibility laws in Texas?
- Am I covered if I crash into my own garage door?
If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.
Additional reading for car insurance information
Additional information can be read on the website for the Texas Department of Insurance located here. Visitors are able to find out which companies have the most complaints, file complaints about a company, and learn about insurance regulations.
Additional helpful sites include this page for car insurance in Texas and this helpful list of insurance agents in Texas.