How Much Does 2013 Kia Soul Insurance Cost?

Looking for cheaper auto insurance rates for your Kia Soul? I can’t think of a single person who looks forward to paying for auto insurance, particularly when their premiums are too high. Numerous insurance companies battle to insure your vehicles, and it can be difficult to compare rates and uncover the absolute lowest rate possible.

You should make it a habit to compare rates every six months because prices are adjusted regularly by insurance companies. Just because you found the lowest quotes on Soul insurance a couple years back the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because you’re going to learn the fastest and easiest way to lower your annual insurance bill.

If you have insurance now or are shopping for new coverage, you can follow these tips to get lower rates and possibly find even better coverage. Buying car insurance is not that difficult. Drivers just need to understand how to shop online.

How to buy car insurance

Effectively comparing car insurance prices can be challenging if you don’t understand the most efficient way to do it. You could waste time talking to insurance agencies in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.

The majority of car insurance companies participate in a marketplace where prospective buyers complete one form, and each company then returns a price quote based on that data. This eliminates the need for form submissions to every company. To enter your information into the quoting system, click here (opens in new window).

The one downside to using this type of form is buyers cannot specifically choose the insurers you will receive quotes from. So if you want to choose specific insurance companies to compare prices, we have a page of companies who write car insurance in your area. View list of insurance companies.

It’s up to you which method you use, but be sure to compare the same quote information for every company. If you use different limits and deductibles on each one you will not be able to make a fair comparison for your Kia Soul.

Insurance discounts are available to cut your rates

The price of auto insurance can be rather high, but you might be missing out on some discounts that many people don’t even know exist. Some discounts will apply when you purchase, but some may not be applied and must be asked for before they will apply.

  • Discount for Home Ownership – Owning a house may trigger a policy discount on insurance because maintaining a house demonstrates responsibility.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower rates.
  • Theft Prevention System – Vehicles that have factory anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
  • Responsible Drivers – Drivers without accidents could pay up to 40% less on Soul insurance compared to rates paid by drivers with frequent claims.
  • Switch and Save Discount – A few insurance companies offer discounts for switching companies before your current policy expires. It’s a savings of about 10%.
  • Good Student – Excelling in school can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Pay Upfront and Save – By making one initial payment rather than paying in monthly installments you can actually save on your bill.
  • Senior Citizens – Drivers over the age of 55 could receive reduced rates on Soul insurance.
  • Anti-lock Brake System – Cars, trucks, and SUVs with anti-lock braking systems prevent accidents so companies give up to a 10% discount.
  • Low Mileage Discounts – Maintaining low annual mileage may allow you to get lower rates on the low mileage vehicles.

A little disclaimer on discounts, many deductions do not apply the the whole policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that it’s possible to get free car insurance, companies don’t profit that way.

A list of companies and a selection of discounts are detailed below.

  • State Farm offers discounts for safe vehicle, accident-free, defensive driving training, good student, Steer Clear safe driver discount, and anti-theft.
  • American Family offers premium reductions for defensive driver, bundled insurance, early bird, good driver, TimeAway discount, good student, and mySafetyValet.
  • AAA may include discounts for multi-car, anti-theft, education and occupation, good driver, and AAA membership discount.
  • Geico may have discounts that include membership and employees, multi-policy, multi-vehicle, federal employee, seat belt use, and anti-lock brakes.
  • Mercury Insurance has savings for multi-car, type of vehicle, multi-policy, low natural disaster claims, age of vehicle, accident-free, and good student.
  • Farmers Insurance policyholders can earn discounts including homeowner, electronic funds transfer, mature driver, youthful driver, alternative fuel, and multi-car.
  • Progressive may offer discounts for good student, online quote discount, online signing, homeowner, multi-policy, multi-vehicle, and continuous coverage.

Before buying, ask all companies you are considering how many discounts you can get. Some discounts listed above may not apply to policies in every state.

You can change your insurance premiums

Many things are taken into consideration when pricing auto insurance. Most are fairly basic like your driving record, although others are more transparent such as your credit history or how safe your car is.

  • Raise coverage deductibles and save – Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your Kia from damage. Some coverage claims are a broken side mirror, vandalism, and burglary. Comprehensive and collision coverage deductibles are how much you are required to pay if the claim is covered. The more of the claim you pay before a claim is paid (deductible), the less your company will charge you for insurance on Soul insurance.
  • Extra policy coverages you don’t use – There are a ton of additional coverages that can add up if you don’t pay attention. Coverages like vanishing deductibles, better glass coverage, and motor club memberships are probably not needed. They may seem like a good idea when talking to your agent, but if they’re wasting money get rid of them and save.
  • Is insurance coverage cheaper for females or males? – Statistics have proven that women are safer drivers than men. This data doesn’t prove that women are BETTER drivers than men. Women and men cause auto accidents in similar numbers, but the male of the species cause more damage. Men also statistically receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 cause the most accidents so they pay the highest premiums.
  • Excellent credit means lower rates – Having a good credit score is likely to be a major factor in determining premium rates. Therefore, if your credit score is lower than you’d like, you may save money insuring your 2013 Kia Soul by spending a little time repairing your credit. Drivers who have good credit tend to file fewer claims and have better driving records than drivers who have lower credit scores.

Everyone needs different auto insurance coverages

When buying the right insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For instance, these questions can help discover whether you might need professional guidance.

  • What if I don’t agree with a claim settlement offer?
  • If my pet gets injured in an accident are they covered?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I really need UM/UIM coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When can my company non-renew my policy?
  • When would I need rental car insurance?
  • Do I need an umbrella policy?
  • What is medical payments coverage?
  • Can my teen drive my company car?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Specific coverage details

Having a good grasp of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages offered by auto insurance companies.

Comprehensive auto coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hail damage, rock chips in glass and theft. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance

Liability insurance will cover damage or injury you incur to other people or property. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims like legal defense fees, structural damage, funeral expenses, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your 2013 Kia Soul.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

Coverage for collisions

Collision insurance covers damage to your Soul caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like backing into a parked car, sustaining damage from a pot hole, crashing into a building and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for bills like pain medications, funeral costs and rehabilitation expenses. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

The best insurance company isn’t always the cheapest

Discount 2013 Kia Soul insurance can be bought both online as well as from independent agents, so you need to quote insurance coverage with both to get a complete price analysis. A few companies may not offer online price quotes and usually these smaller providers work with independent agents.

We just showed you many tips how you can save on 2013 Kia Soul insurance. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even find the most savings is with some of the smallest insurance companies. Some small companies often have lower premium rates on specific markets compared to the large companies like Progressive and Geico.

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