Would you like to stop wasting money and find low-cost Kia Optima insurance in Houston? Finding cheaper insurance for a new or used Kia Optima in Texas could be an all-consuming task, but you can use our insurance buying tips to find lower rates.
There is a better way to find insurance online and we’ll show you the proper way to quote coverages for your Kia and locate the best price possible from Houston insurance agents and online providers.
It’s a great practice to price shop coverage yearly because rates fluctuate regularly. Despite the fact that you may have had the lowest rate on Kia Optima insurance in Houston last year you can probably find a better price now. Forget all the misinformation about insurance because we’re going to demonstrate the easiest way to lower your rates without sacrificing coverage.
How to buy Kia Optima insurance online
The companies in the list below offer price comparisons in Houston, TX. If multiple providers are shown, we suggest you visit as many as you can to get the most affordable price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Optima LX | $178 | $358 | $520 | $30 | $156 | $1,242 | $104 |
| Optima EX | $176 | $360 | $452 | $26 | $136 | $1,150 | $96 |
| Optima SX | $318 | $660 | $560 | $34 | $168 | $1,740 | $145 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Prices do not factor in specific zip code location which can affect rates significantly.
Physical damage deductibles: Should you raise them?
One frequently asked question is how high should the deductibles for physical damage be. The data tables below can help you visualize how much more you’ll pay between low and high policy deductibles. The first set of rates uses a $100 deductible for physical damage and the second price table uses a $500 deductible.
| 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 | |||||||
| 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 multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Information does not factor in garaging location in Houston which can raise or lower prices greatly.
Based on the data above, we can derive that using a $100 deductible will cost you roughly $28 more each month or $336 for a full year than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 14 months between claims, you would probably be better off if you opt for a higher deductible.
What insurance coverages do I need?
When it comes to choosing your policy for your personal vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.
These are some specific questions could help you determine whether you will benefit from professional help.
- Will my rates increase for filing one claim?
- Am I covered when driving someone else’s vehicle?
- When should I not file a claim?
- Should I buy more coverage than the required Texas minimum liability coverage?
- Why are teen drivers so expensive to add on to my policy?
- Should I sign the liability waiver when renting a car?
- Am I covered when pulling a rental trailer?
- What exactly is covered by my policy?
If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can help protect your family.
Local Houston insurance agents and insurance
A lot of people just prefer to visit with an insurance agent and that is a personal choice. Agents are highly skilled in risk management and help in the event of a claim. One of the benefits of getting free rate quotes online is you can get cheap insurance rates and also buy local. Putting coverage with local agencies is definitely important in Houston.
To find an agent, once you fill out this quick form, your insurance coverage information is transmitted to agents in your area who will gladly provide quotes for your coverage. It makes it easy because there is no need to contact any insurance agencies as quotes are delivered to you directly. If for some reason you want to get a rate quote from a specific insurance company, you can always visit that company’s website and fill out the quote form the provide.
Not all auto insurance agents are the same
If you want to use a reputable insurance agent or broker, it helps to know the two different types of agents that you can select. Insurance policy providers can be classified as either independent or exclusive. Either one can sell insurance policies, but we need to point out the difference in how they write coverage because it can impact your selection of an agent.
Independent Insurance Agents
Independent agencies are not employed by one company and that enables them to quote your coverage through many different insurance companies and find you the best rates. If you want to switch companies, they simply move your policy to a different company and you won’t have to switch agencies. When comparing insurance rates, we highly recommend that you get several quotes from a few independent agents to maximize your price options. Many can place coverage with different regional companies that many times have cheaper rates.
Shown below are Houston independent insurance agents who may provide price quotes.
- El Dorado Insurance Agency, Inc
3673 Westcenter Dr – Houston, TX 77042 – (800) 221-3386 – View Map - Hallmark Insurance Agency Inc
12337 Jones Rd – Houston, TX 77070 – (281) 894-8200 – View Map - Allrisc Insurance Agency
6918 Corporate Dr – Houston, TX 77036 – (713) 771-6000 – View Map
Exclusive Agencies
Agents that elect to be exclusive can only provide pricing for a single company such as AAA, Allstate, State Farm, or Farmers Insurance. They usually cannot provide other company’s prices so you need to shop around if the rates are high. Exclusive agencies are trained well on sales techniques which can be an advantage. Consumers frequently purchase coverage from exclusives mostly because of the prominent brand name rather than low rates.
Shown below are Houston exclusive agents who can help you get comparison quotes.
- Allstate Insurance: Harris County Insurance Agency
13030 Woodforest Blvd b – Houston, TX 77015 – (713) 451-5716 – View Map - Linda Tuck – State Farm Insurance Agent
2402 Bay Area Blvd g – Houston, TX 77058 – (281) 488-9050 – View Map - Tammy Pham – State Farm Insurance Agent
13618 Bellaire Blvd, Ste E5 – Houston, TX 77083 – (281) 498-6800 – View Map
Choosing the best insurance agency needs to be determined by more than just the quoted price. Here are some questions you should ask.
- What is the agency’s Better Business Bureau rating?
- Is their price quote a firm figure or are their hidden costs?
- Does the quote include credit and driving reports?
- Are they properly licensed to sell insurance in Texas?
- By raising physical damage deductibles, how much would you save?