Unbelievable but true according to a study a large majority of drivers have purchased from the same company for at least four years, and practically 40% of insurance customers have never shopped around. Texas consumers could cut their rates by approximately 70% a year, but they just don't understand how easy it is to compare rates.
If you want to save money, the best way to get more affordable Kia Optima Hybrid insurance is to make a habit of regularly comparing prices from insurers in Plano. This can be done by following these steps.
First, get a basic knowledge of how car insurance works and the steps you can take to prevent expensive coverage. Many factors that are responsible for high rates such as getting speeding tickets and bad credit can be improved by paying attention to minor details. Later in this article we will cover information to help prevent expensive coverage and find overlooked discounts.
Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like GEICO and Allstate, while independent agencies can provide price quotes from many different companies. View companies
Third, compare the new rate quotes to your current policy premium to see if you can save by switching companies. If you can save some money and make a switch, make sure there is no lapse in coverage.
Fourth, provide written notification to your current company to cancel your current car insurance policy and submit payment and a completed application to the new insurer. Once received, keep the new proof of insurance paperwork somewhere easily accessible.
A valuable tip to remember is to try to compare the same level of coverage on every quote request and and to look at every insurance company. Doing this enables an accurate price comparison and the most accurate and complete price analysis.
If you have coverage now or just want a better rate, you can use these techniques to buy cheaper insurance without sacrificing coverage. Finding and buying the most affordable insurance policy in Plano is actually quite simple. You only have to learn the quickest way to compare rate quotes online.
Affordable rates by taking advantage of these five discounts
Some companies don't list every available discount in a way that's easy to find, so the following list contains both well-publicized and the more hidden ways to save on car insurance.
- Student Discounts - This discount can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
- Club Memberships - Belonging to specific professional or occupational memberships or organizations may earn a discount on your next renewal.
- Discounts for Safe Drivers - Drivers who don't get into accidents may save up to 50% more as compared to drivers with claims.
- ABS and Traction Control Discounts - Vehicles that have anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
- Defensive Driver Discount - Passing a course that instructs on driving safety is a good idea and can lower rates and easily recoup the cost of the course.
Just know that most of the big mark downs will not be given to the entire cost. The majority will only reduce individual premiums such as collision or personal injury protection. Even though the math looks like it's possible to get free car insurance, car insurance companies aren't that generous. Any amount of discount will lower your premiums.
A few of the larger companies and the discounts they provide include:
- Progressive policyholders can earn discounts including multi-policy, continuous coverage, online quote discount, multi-vehicle, and good student.
- The Hartford offers premium reductions for bundle, driver training, defensive driver, good student, and anti-theft.
- Mercury Insurance may include discounts for good student, age of vehicle, type of vehicle, accident-free, and ease of repair.
- GEICO offers discounts including multi-vehicle, multi-policy, good student, daytime running lights, and air bags.
- AAA includes discounts for pay-in-full, good driver, education and occupation, AAA membership discount, and anti-theft.
- State Farm has discounts for Steer Clear safe driver discount, good driver, safe vehicle, accident-free, driver's education, and defensive driving training.
It's a good idea to ask every insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts may not be available in Plano. If you would like to see a list of companies who offer car insurance discounts in Plano, follow this link.
The method we recommend to get policy rate comparisons for Kia Optima Hybrid insurance in Plano is to know most of the bigger providers will pay a fee to quote your coverage. The only thing you need to do is give them rating details such as whether or not you need a SR-22, your job, an estimate of your credit level, and if you are currently licensed. Those rating factors gets sent immediately to multiple different insurance companies and they return quotes instantly.
To compare multiple company lower-cost Kia Optima Hybrid insurance rates now, click here and complete the form.
The companies shown below are our best choices to provide free quotes in Texas. If your goal is to find the best cheap auto insurance in Plano, it's a good idea that you get price quotes from several of them to get a more complete price comparison.
Are insurance agencies obsolete?
A small number of people would prefer to sit down with an agent and that is recommended in a lot of cases Professional agents are trained risk managers and help in the event of a claim. One of the best bonuses of comparing rates online is that you can find better rates and also buy local.
After completing this simple form, the quote information is transmitted to companies in Plano who will give competitive quotes for your car insurance coverage. You won't even need to find an agent because quoted prices will be sent instantly to you. In the event you want to compare prices from a specific insurance company, just search and find their rate quote page and complete a quote there.
Deciding on an provider requires you to look at more than just a low price. Get answers to these questions too.
- Do you work with a CSR or direct with the agent?
- What discounts might you be missing?
- Will a damage claim use OEM or aftermarket replacement parts?
- If you are a high risk driver, do they have special markets for your coverage?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Can glass repairs be made at your home?
- Is there any savings for paying the full premium?
- Can you use your own choice of collision repair facility?
Different types of Plano car insurance agents
When researching a good insurance agency, you should know the different agency structures and how they function. Car insurance policy providers are categorized either independent agents or exclusive agents depending on their employer. Either can properly insure your vehicles, but it is important to understand the difference in how they write coverage because it can factor into your agent selection.
Exclusive Insurance Agencies
These agents have only one company to place business with and examples are State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents are unable to place coverage with different providers so you might not find the best rates. They receive extensive training on their products and sales techniques and that can be a competitive advantage. Some insured continue to choose to use a exclusive agent primarily because of high brand loyalty rather than having the cheapest rates.
Below is a list of exclusive insurance agents in Plano that can give you price quotes.
- Christopher Walls - State Farm Insurance Agent
3308 Preston Rd #300 - Plano, TX 75093 - (972) 758-1111 - View Map
- Allstate Insurance: Tinh Tieu
1721 W Plano Pkwy Ste 127 - Plano, TX 75075 - (972) 596-5511 - View Map
- Allstate Insurance: John Clements
2500 Dallas Pkwy Ste 150 - Plano, TX 75093 - (972) 312-1800 - View Map
Agents that elect to be independent often have many company appointments so they can insure your vehicles with lots of companies and potentially find a lower price. If they quote lower rates, they simply move the coverage in-house and you don't have to do anything. When searching for an agent, it's recommended you compare quotes from at a minimum one independent agency to maximize your price options. Most independent agents also contract with smaller regional carriers which may provide better rates.
The following is a short list of independent agents in Plano willing to provide price quotes.
- VGW Insurance
4040 McDermott Rd #200 - Plano, TX 75024 - (972) 668-1000 - View Map
- Sterling Insurance Group
3415 Custer Rd #161 - Plano, TX 75023 - (972) 964-4825 - View Map
- Alpha Omega Insurance Agency
3275 Independence Pkwy - Plano, TX 75075 - (972) 519-5435 - View Map
Upon getting reasonable responses to these questions and an acceptable price quote, it's a good possibility that you have found an insurance agent that will service your policy. Just keep in mind you can cancel coverage any time you want so never assume that you are obligated to any specific agency for the full policy term.
Plano auto insurance company ratings
Selecting a highly-rated company is hard considering how many choices drivers have in Plano. The company ratings displayed below can help you select which auto insurers you want to consider when comparing rate quotes.
Top 10 Plano Car Insurance Companies Ranked by Customer Satisfaction
- USAA - 91%
- AAA Insurance - 90%
- Esurance - 90%
- Mercury Insurance - 89%
- Nationwide - 89%
- Travelers - 88%
- Progressive - 88%
- Safeco Insurance - 88%
- State Farm - 88%
- Allstate - 88%
Top 10 Plano Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Specific coverages for a Kia Optima Hybrid
Learning about specific coverages of a auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.
Comprehensive insurance - Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as hitting a deer, vandalism and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.
Liability auto insurance - This coverage can cover damages or injuries you inflict on a person or their property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 30/60/25 that translate to a limit of $30,000 per injured person, a per accident bodily injury limit of $60,000, and a limit of $25,000 paid for damaged property.
Liability can pay for things like court costs, repair costs for stationary objects, emergency aid, repair bills for other people's vehicles and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible. Texas requires minimum liability limits of 30/60/25 but drivers should carry better liability coverage.
The next chart demonstrates why buying low liability limits may not provide adequate coverage.
Collision coverage - This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for things such as hitting a mailbox, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible on your Optima Hybrid to save money on collision insurance.
Uninsured/Underinsured Motorist (UM/UIM) - Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Kia Optima Hybrid.
Since a lot of drivers only carry the minimum required liability limits (30/60/25 in Texas), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.
Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP reimburse you for bills like rehabilitation expenses, pain medications and surgery. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
Cheap auto insurance prices are available
There are still a few companies who may not provide the ability to get a quote online and these smaller companies work with independent insurance agents. Cheap Kia Optima Hybrid insurance in Plano can be bought from both online companies in addition to many Plano insurance agents, and you should compare price quotes from both to have the best selection.
As you prepare to switch companies, you should never buy poor coverage just to save money. In many instances, an accident victim reduced uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. The goal is to purchase a proper amount of coverage at a price you can afford, but don't skip important coverages to save money.
We just showed you some good ideas how you can compare Kia Optima Hybrid insurance prices in Plano. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even be surprised to find that the lowest prices come from an unexpected company.
More detailed auto insurance information is available in these articles:
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- How Much is Plano Auto Insurance for Good Students? (FAQ)
- Who Has the Cheapest Plano Car Insurance for Drivers with Accidents? (FAQ)
- Child Safety Seats (Insurance Information Institute)
- Eight Auto Insurance Myths (Insurance Information Institute)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)