Lower Your 2014 Kia Soul Car Insurance Rates

Looking for cheaper insurance rates for your Kia Soul? Finding cheaper insurance for a Kia Soul can be an all-consuming task, but you can learn our insurance buying tips to make it easier. There are both good and bad ways to buy insurance and we’ll show you the best way to quote coverages for your Kia and get the lowest price either online or from local insurance agents.

Consumers should take time to quote other rates every six months because insurance prices tend to go up over time. Despite the fact that you may have had the lowest rates for Soul coverage six months ago there is a good chance you can find better rate quotes now. You can find a lot of misleading information regarding insurance on the web, but I’m going to show you some solid techniques on how to buy insurance cheaper.

If you have a current auto insurance policy or are shopping for new coverage, you can learn to get lower rates and possibly find even better coverage. Finding cheaper auto insurance coverage is not that difficult. Drivers just need to understand the proper way to find the lowest price on the web.

Compare insurance coverage quotes online

Lowering your 2014 Kia Soul insurance coverage rates is a fairly straight forward process. Consumers just need to take time to compare rate quotes from some recommended companies. Shoppers can get rates in just a few minutes using one of these methods.

  1. If you are pressed for time, the simplest way to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This form eliminates the need for a different quote for every insurance coverage company. One simple form will get you price quotes direct from many companies. It’s the fastest way to compare.
  2. Another way to analyze rates is to take the time to go to the website for each individual company to complete their respective quote request forms. For examples sake, we’ll assume you are doing a rate comparison from Liberty Mutual, State Farm and Progressive. To get each rate you have to spend time going to each site individually to enter the same coverage data repeatedly, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

How you compare quotes is your choice, just do your best to use the same information for each price quote. If you enter different coverage information it’s impossible to truly determine the lowest rate.

Lower-cost insurance rates with discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available to help bring down the price. Some discounts will apply at the time of quoting, but some may not be applied and must be inquired about before you will receive the discount.

  • Paperwork-free – Some of the larger companies provide a small discount for completing your application on the web.
  • ABS Brakes – Cars with anti-lock braking systems have fewer accidents so you can save 10 percent or more.
  • New Car Discount – Insuring a new car can save you some money because new vehicles are generally safer.
  • Low Miles Discount – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class as it will make them better drivers and lower rates.
  • Multi-line Discount – If the company offers life insurance, you could get better insurancerates if you take out a life insurance policy as well.
  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to wear their seat belts can save 10% or more on medical payment and PIP coverage.
  • Good Grades Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
  • Professional Memberships – Belonging to certain professional organizations could trigger savings on your next renewal.

Just know that most discount credits are not given to the overall cost of the policy. Most only cut individual premiums such as physical damage coverage or medical payments. Just because you may think you can get free auto insurance, companies wouldn’t make money that way. But any discount will help reduce your overall bill.

A list of companies and the discounts they provide are:

  • State Farm discounts include good student, multiple autos, driver’s education, passive restraint, student away at school, and accident-free.
  • American Family includes discounts for air bags, defensive driver, mySafetyValet, early bird, accident-free, multi-vehicle, and good student.
  • AAA has discounts for pay-in-full, good student, multi-car, education and occupation, and anti-theft.
  • Geico offers discounts for defensive driver, emergency military deployment, military active duty, multi-policy, membership and employees, and federal employee.
  • Mercury Insurance policyholders can earn discounts including type of vehicle, location of vehicle, good student, ease of repair, and multi-car.
  • Farmers Insurance offers discounts including electronic funds transfer, early shopping, business and professional, alternative fuel, distant student, homeowner, and pay in full.
  • Progressive may have discounts that include homeowner, multi-vehicle, good student, online signing, continuous coverage, multi-policy, and online quote discount.

Double check with every company which discounts they offer. Some discounts may not be available in every state. If you would like to view insurance companies that can offer you the previously mentioned discounts, click this link.

Kia Soul insurance prices can be reduced

Many things are considered when you quote your car insurance policy. Some of the criteria are obvious like your driving record, although others are less apparent like where you live or your financial responsibility.

  • Policy add-ons could be costing you – There are many optional add-on coverages you can purchase if you aren’t diligent. Insurance for things like vanishing deductibles, high-cost glass coverage, and term life insurance are examples of these. They may seem like a good idea when buying your policy, but if you have no use for them consider taking them off your policy.
  • Don’t skimp on liability coverage – Liability insurance will provide protection in the event that you are responsible for causing personal injury or damage in an accident. Your liability coverage provides you with a defense in court to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Consolidate policies to earn discounts – The majority of auto insurance companies afford discounts to buyers who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare other insurance prices to confirm you are receiving the best rates possible.There is a chance you can find better rates even if you have your coverage with different companies
  • Always keep your auto insurance policy in place – Having an insurance coverage lapse is a quick way to increase your rates. Not only will rates go up, not being able to provide proof of insurance will get you a steep fine or even jail time.
  • Get a ticket, pay higher costs – Careful drivers receive lower rates as compared to careless drivers. Even a single citation may increase your cost twenty percent or more. Drivers who have flagrant violations such as DUI or willful reckless driving may be required to file a SR-22 with the DMV in their state in order to prevent a license revocation.

Tailor your insurance coverage to you

When choosing coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine if your situation would benefit from an agent’s advice.

  • Do I really need UM/UIM coverage?
  • Does my 2014 Kia Soul qualify for pleasure use?
  • Is my Kia Soul covered if I use it for business?
  • How much liability insurance is required?
  • When would I need rental car insurance?
  • Why am I required to buy liability insurance?
  • What is roadside assistance coverage?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Learn about car insurance coverages for a Kia Soul

Understanding the coverages of a car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Coverage for medical payments

Med pay and PIP coverage provide coverage for immediate expenses like nursing services, pain medications, doctor visits and ambulance fees. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This coverage provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your 2014 Kia Soul.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability

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

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like legal defense fees, court costs, bail bonds and loss of income. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Comprehensive coverages

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, vandalism, damage from getting keyed, hitting a deer and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance pays for damage to your Soul caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as driving through your garage door, crashing into a building, crashing into a ditch and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

A tidy conclusion

Drivers leave their current company for any number of reasons including high prices, delays in responding to claim requests, an unsatisfactory settlement offer and even not issuing a premium refund. It doesn’t matter why you want to switch switching insurance companies is easier than you think.

We covered some good ideas how to lower your 2014 Kia Soul insurance prices. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding affordable auto insurance. You may even find the lowest prices come from an unexpected company.

Discount 2014 Kia Soul insurance is possible online as well as from insurance agents, so get free auto insurance quotes from both of them to have the best selection. A few companies may not offer price quotes online and usually these smaller companies only sell coverage through local independent agents.

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