Compare Kia Optima Insurance Rate Quotes in Tulsa

Shocking but true, the vast majority of drivers have bought insurance from the same company for four years or more, and approximately 40% of consumers have never even compared quotes to find affordable rates. Tulsa drivers can save hundreds of dollars each year, but they don’t believe the big savings they would realize if they just switched companies.

Insurance for Kia OptimaTo save the most money, the best way to quote cheaper Kia Optima insurance is to regularly compare prices from insurance carriers that insure vehicles in Tulsa.

One key aspect of rate comparisons is to make sure you enter the same level of coverage on each price quote and and to analyze as many companies as feasibly possible. Doing this provides an accurate price comparison and a complete price analysis.

Buying the cheapest insurance in Tulsa is really quite simple as long as you have a good starting point. If you already have coverage, you stand a good chance to be able to shop for the lowest rates using this strategy. But Oklahoma consumers must understand the way companies price online insurance because it can help you find the best coverage.

Shop Kia Optima insurance online

When looking for affordable Kia Optima insurance quotes, there are a couple ways of comparing rates from companies that offer car insurance in Oklahoma. The fastest way to compare Kia Optima insurance prices is to jump online and get quotes.

Online shopping is fast and free, and it replaces the need to spend time driving to all the different insurance agencies. The ability to buy insurance online has made agencies unnecessary unless you have a need for the extra assistance only provided by licensed agents. You can, however, price shop online but buy from a local insurance agent.

Just keep in mind that comparing more rates from different companies gives you a better chance of getting the best offered rates. Not every company does online Tulsa Optima insurance quotes, so you also need to get quotes from those companies as well.

The providers in the list below are ready to provide free rate quotes in Tulsa, OK. If multiple companies are listed, it’s highly recommended you visit several of them to get the best price comparison.

Lower your insurance rates with discounts

Not too many consumers would say insurance is affordable, but you might be missing out on some discounts to reduce the price significantly. A few discounts will automatically apply when you get a quote, but a few must be inquired about in order for you to get them.Save money with discounts

While discounts sound great, it’s important to understand that many deductions do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy. Any amount of discount will help lower your insurance premiums.

The illustration below illustrates the comparison of Kia Optima insurance costs with and without discounts being applied to the rates. The premiums are based on a male driver, no claims or driving violations, Oklahoma state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, safe-driver, multi-policy, marriage, and claim-free discounts applied.

Companies who might offer some of the above discounts include:

When getting free Tulsa auto insurance quotes, it’s a good idea to all the companies how you can save money. Some discounts might not be offered on policies in your state. If you would like to view insurance companies that offer some of these discounts in Tulsa, click here.

Premium rates and analysis

The rate table shown below covers different insurance costs for Kia Optima models. Being aware of how car insurance premiums are figured is important for making informed decisions when comparing rate quotes.

Kia Optima Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $266 $484 $476 $28 $142 $1,396 $116
Optima EX $302 $572 $476 $28 $142 $1,520 $127
Optima SX $302 $572 $476 $28 $142 $1,520 $127
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Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Prices do not factor in specific location which can alter premium rates noticeably.

Policy deductibles

When buying auto insurance, a common question is what deductibles to buy. The tables below can help you visualize the premium difference of buying low and high comp and collision deductibles. The first price estimate table uses a $100 deductible for physical damage and the second price chart uses a $500 deductible.

Kia Optima insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $386 $698 $506 $30 $152 $1,797 $150
Optima EX $436 $822 $506 $30 $152 $1,971 $164
Optima SX $436 $822 $506 $30 $152 $1,971 $164
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Kia Optima insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $282 $472 $506 $30 $152 $1,442 $120
Optima EX $318 $554 $506 $30 $152 $1,560 $130
Optima SX $318 $554 $506 $30 $152 $1,560 $130
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Rate information does not factor in specific location which can decrease or increase premiums substantially.

Based on this data, using a $100 deductible will cost you roughly $32 more each month or $384 a year than selecting the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 13 months between claims, you would probably come out ahead if you elect the higher deductible.

Careless drivers pay higher rates

The chart below shows how speeding tickets and at-fault claims can raise Kia Optima insurance prices for each different age group. The costs are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

Get rate quotes but buy from a local Tulsa insurance agent

Some people just prefer to buy from a licensed agent and we recommend doing that A good thing about getting free rate quotes online is that you can obtain the best rates and still choose a local agent.

To find an agent, once you fill out this form (opens in new window), your insurance data is immediately sent to local insurance agents that give free quotes for your car insurance coverage. There is no need to even leave your home because prices are sent to you. You can find lower rates without a big time investment. If you have a need to get a price quote from a specific insurance company, you just need to search and find their rate quote page and complete a quote there.

Picking an insurance company requires you to look at more than just a cheap quote. Below are some questions you should ask.

If you want to use a local Tulsa insurance agency, there are two different types of agents and how they work. Car insurance policy providers are either independent or exclusive depending on the company they work for.

Exclusive Agents

Agents that elect to be exclusive can only quote rates from one company such as AAA, Allstate, and State Farm. Exclusive agencies are unable to provide prices from multiple companies so they really need to provide good service. They are highly trained on their company’s products and that can be a competitive advantage.

Listed below are Tulsa exclusive insurance agents who can help you get price quotes.

205 E Pine St #102Tulsa, OK 74106(918) 382-5717View Map

3309 S Yale AveTulsa, OK 74135(918) 627-3855View Map

4502 E 51st StTulsa, OK 74135(918) 858-5000View Map

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Independent Insurance Agents

These agents are appointed with more than one company so as a result can place your coverage with lots of companies and help determine which has the cheapest rates. If your premiums go up, your policy is moved internally and that require little work on your part.

If you need cheaper car insurance rates, we recommend you include several independent insurance agents to have the most options to choose from.

Shown below is a short list of independent agencies in Tulsa that can give you comparison quotes.

9726 E 42nd St #210Tulsa, OK 74146(918) 664-7100View Map

4444 E 66th StTulsa, OK 74136(918) 494-0600View Map

6145 E 21st StTulsa, OK 74114(918) 832-8823View Map

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If you get positive feedback to any questions you may have and affordable Kia Optima insurance rates in Tulsa quotes, you’ve probably found an insurance agent that is a good match to insure your vehicles.

Get Lower-cost Car Insurance with These Tips

Consumers need to have an understanding of some of the factors that help determine the level of your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this enables informed choices that may reward you with big savings.

Shown below are some of the most common factors companies use to determine prices.

Insuring your Kia vehicle just makes sense

Despite the high insurance cost for a Kia Optima in Tulsa, buying auto insurance may be mandatory for several reasons.

The benefits of insuring your Optima outweigh the cost, especially with large liability claims. According to a survey of 1,000 drivers, the average driver overpays more than $750 every year so you should quote rates each time the policy renews to ensure rates are inline.

Quote. Compare. Save.

When shopping online for insurance, never buy poor coverage just to save money. Too many times, drivers have reduced physical damage coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

Discount Kia Optima insurance in Tulsa is available online and from local agencies, so you should be comparing quotes from both to have the best rate selection. Some insurance companies don’t offer online price quotes and usually these smaller companies provide coverage only through independent insurance agents.

We just presented a lot of information how to shop for Kia Optima insurance online. The key concept to understand is the more providers you compare, the better chance you’ll have of finding the cheapest Kia Optima rate quotes. You may even find the biggest savings come from some of the lesser-known companies. Regional companies can often provide lower premium rates in certain areas as compared to the big name companies such as Progressive or GEICO.

Additional insurance information can be found on the following sites: