Save on Kia Optima Insurance in Laredo

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The best way to find the cheapest price for Kia Optima insurance in Laredo is to start doing a yearly price comparison from different companies in Texas. Price quotes can be compared by following these guidelines.

  • First, spend some time learning about auto insurance and the steps you can take to drop your rates. Many things that are responsible for high rates such as your driving record and an unacceptable credit history can be amended by paying attention to minor details.
  • Second, quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from a single company like GEICO and State Farm, while agents who are independent can give you price quotes for many different companies. View companies
  • Third, compare the price quotes to your existing rates and see if you can save money. If you find a better price, ensure coverage does not lapse between policies.

One key aspect when comparing rates is that you use identical coverages on every quote request and and to analyze as many car insurance companies as possible. Doing this provides a fair price comparison and a thorough selection of prices.

Insurance for Kia OptimaAmazingly, a recent NerdWallet.com study showed that a large majority of drivers have purchased from the same company for at least four years, and almost 40% of drivers have never even compared rates from other companies. Drivers in Texas could save as much as 70% a year just by getting comparison quotes, but most tend to underestimate the big savings they would realize if they just switched companies.

Shopping around for the best-priced insurance coverage in Laredo is not as difficult as people think. If you already have coverage or need new coverage, follow these tips to cut your premiums and possibly find even better coverage. Comparison shoppers just have to know the proper way to compare insurance rates from many different companies online.

Best companies for low-cost Kia Optima insurance in Texas

The car insurance companies shown below provide quotes in Texas. To get cheap auto insurance in TX, it's highly recommended you visit several of them to get the most affordable price.

Kia Optima detailed coverage information

The coverage information below outlines a range of insurance costs for Kia Optima models. Learning as much as possible about how auto insurance prices are established is important for drivers to make decisions on the best policy to buy.

Kia Optima Insurance Rates in Laredo, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $318 $580 $440 $26 $132 $1,496 $125
Optima EX $358 $684 $440 $26 $132 $1,640 $137
Optima SX $358 $684 $440 $26 $132 $1,640 $137
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Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in specific location information which can alter rates considerably.

Deductible comparison

One of the most common car insurance questions is how high should the deductibles for physical damage be. The data tables below summarize the cost difference when you buy lower versus higher physical damage coverage deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.

Kia Optima insurance premium rates 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
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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-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price estimates do not factor in your specific Laredo location which can modify price quotes noticeably.

Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $41 more each month or $492 annually than choosing the higher $1,000 deductible. Since you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at least 22 months between claims, you would come out ahead if you opt for a higher deductible.

Cost comparison with and without full coverage

The chart below illustrates the comparison of Kia Optima insurance premiums with and without full coverage. Data assumes a clean driving record, no at-fault accidents, $500 deductibles, drivers are not married, and no other discounts are factored in.

Should you buy full coverage or liability only?

There isn't a steadfast formula of when to drop full coverage, but there is a general convention. If the annual cost of your full coverage insurance is more than 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let's say your Kia Optima settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $7,000 after the policy deductible has been paid. If it's costing in excess of $700 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are some situations where dropping full coverage is not recommended. If you haven't paid off your loan, you have to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Cut your insurance rates with discounts

Companies that sell car insurance don't always advertise every discount in a way that's easy to find, so the list below gives a summary of a few of the more well known and also the more inconspicuous credits that you can use to lower your rates.

  • Laredo Homeowners Discount - Just being a homeowner may trigger a policy discount on insurance because it requires personal responsibility.
  • Sign Online - Certain larger companies will provide an incentive for signing up over the internet.
  • Use Seat Belts - Drivers who always wear seat belts and also require passengers to fasten their seat belts may be able to save a few bucks off PIP or medical payments premium.
  • Accident-Free Discounts - Drivers who don't have accidents pay less as compared to bad drivers.
  • Multi-car Discount - Buying coverage for multiple cars on one policy qualifies for this discount.

Policy discounts save money, but some credits don't apply to all coverage premiums. Most only cut individual premiums such as comp or med pay. Even though it may seem like all the discounts add up to a free policy, companies don't profit that way.

The chart below illustrates the comparison of Kia Optima insurance prices with and without discounts applied. The premium estimates are based on a male driver, no tickets, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-policy, multi-car, marriage, and claim-free discounts applied.

A few of the larger companies and some of their more popular discounts are shown below.

  • Farm Bureau may have discounts that include 55 and retired, driver training, multi-policy, safe driver, youthful driver, good student, and multi-vehicle.
  • MetLife discounts include good driver, good student, multi-policy, accident-free, claim-free, defensive driver
  • Progressive offers discounts for continuous coverage, good student, online signing, multi-vehicle, and multi-policy.
  • AAA includes discounts for multi-car, good student, multi-policy, anti-theft, AAA membership discount, and education and occupation.
  • American Family offers premium reductions for mySafetyValet, Steer into Savings, accident-free, bundled insurance, early bird, air bags, and TimeAway discount.
  • GEICO policyholders can earn discounts including membership and employees, multi-policy, military active duty, defensive driver, daytime running lights, federal employee, and anti-lock brakes.
  • State Farm offers discounts including safe vehicle, driver's education, good driver, multiple autos, Drive Safe & Save, and passive restraint.

If you are trying to find inexpensive Laredo car insurance quotes, ask every insurance company which discounts you may be entitled to. Discounts may not apply to policyholders in your state. To see a list of insurance companies with the best discounts in Laredo, click here to view.

What insurance coverages do I need?

Keep in mind that when it comes to choosing proper insurance coverage, there really isn't a perfect coverage plan. Your needs are not the same as everyone else's and your car insurance should unique, too. For example, these questions may help you determine whether or not you might need professional guidance.

  • Is business equipment covered while in my vehicle?
  • Am I covered if I hit my neighbor's mailbox?
  • Can good grades get a discount?
  • When should I buy a commercial auto policy?
  • How can I find cheaper teen driver insurance?
  • Do I have coverage if my license is suspended?
  • Can my babysitter drive my car?
  • When can my company non-renew my policy?
  • Is my Kia Optima covered for smoke damage?
  • What are good deductibles for a Kia Optima?

If it's difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It's fast, doesn't cost anything and may give you better protection.

Local Laredo insurance agents and auto insurance

Some consumers still prefer to buy from a licensed agent and we recommend doing that Experienced insurance agents can help determine the best coverages and help you file claims. The best thing about price shopping on the web is that you can obtain cheap auto insurance quotes but still work with a licensed agent. And providing support for neighborhood insurance agencies is still important in Laredo.

Insurance agents in LaredoUpon completion of this form (opens in new window), the quote information is transmitted to participating agents in Laredo that can provide free Laredo car insurance quotes for your business. It simplifies rate comparisons since you won't have to contact an agency due to the fact that quote results will go instantly to you. If you need to compare rates from a specific insurance company, you can always jump over to their website and fill out their quote form.

Best auto insurance agent in Laredo

If you need to find a local Laredo insurance agency, there are two types of agencies and how they can service your needs differently. Insurance agencies in Laredo can be classified as either independent agents or exclusive agents depending on their employer. Either one can write auto insurance policies, but it's worth learning the difference in how they write coverage since it may influence which type of agent you select.

Independent Agents

Agents that choose to be independent do not have single company limitations and that enables them to quote your coverage with an assortment of companies depending on which coverage is best. To move your coverage to a new company, your policy is moved internally which requires no work on your part. If you are comparing rate quotes, you absolutely need to get some free quotes from independent agents to have the best price comparison.

Shown below is a small list of independent insurance agents in Laredo who can help you get comparison quotes.

South Texas Insurance
4815 San Bernardo Ave - Laredo, TX 78041 - (956) 729-1010 - View Map


519 E Gustavus St - Laredo, TX 78040 - (956) 725-2167 - View Map


104 E Calton Rd Ste 101 - Laredo, TX 78041 - (888) 552-4368 - View Map

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Exclusive Agencies

Agents that elect to be exclusive are contracted to one company such as State Farm, AAA, Farmers Insurance or Allstate. They are unable to compare rates from other companies so they are skilled at selling on more than just price. Exclusive agents receive a lot of sales training on their company's products which helps them compete with independent agents.

The following are exclusive agencies in Laredo willing to provide price quote information.


7917 McPherson Rd #208 - Laredo, TX 78045 - (956) 753-9337 - View Map


502 W Calton Rd #104 - Laredo, TX 78041 - (956) 726-0547 - View Map


5916 San Bernardo Ave - Laredo, TX 78041 - (956) 722-8445 - View Map

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Finding a good car insurance agent requires more thought than just a cheap price quote. Here are some questions you might want to ask.

  • Will the company cover a rental car if your car is getting fixed?
  • Does the agency provide any after hours assistance?
  • How many years have they been established?
  • Do the coverages you're quoting properly cover your vehicle?
  • What insurance company do they write the most business with?
  • Where are claims handled?
  • Do the companies they represent have a solid financial rating?
  • Do they offer accident forgiveness?

If you receive answers to your satisfaction to any questions you may have and an acceptable price quote, you have narrowed it down to an auto insurance agent that is professional and can insure your vehicles. But keep in mind consumers can terminate coverage when you choose so never assume that you are obligated to the auto insurance policy for the full term.

More effort can pay off

As you prepare to switch companies, you should never skimp on coverage in order to save money. There are many occasions where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your strategy should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

More affordable insurance in Laredo is attainable online as well as from insurance agents, so you need to quote Laredo car insurance with both in order to have the best price selection to choose from. Some insurance companies don't offer online price quotes and many times these smaller companies sell through independent agents.

In this article, we presented many tips how you can find cheap Kia Optima insurance in Laredo. The key concept to understand is the more rate quotes you have, the higher your chance of finding affordable Laredo car insurance quotes. You may even discover the lowest rates come from some of the lesser-known companies. These companies may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

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