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KarKiosk is a licensed insurance agent in Texas and a savings referral service provider. We have partnerships with various agents and companies. The lowest rates and potential savings may not be always available. Rates and savings vary based on location, coverage, deductibles, driving records, vehicle type, and other factors. Advertised rates are for a 2010 Kia Optima driven under 3000 miles yearly by a 41-year-old male with a good driving record. Safe driving and membership discounts may apply.