2015 Kia Soul EV Insurance Quotes

Looking for the cheapest auto insurance rates? Shoppers have a choice when shopping for affordable Kia Soul EV insurance. They can either spend hours struggling with agents trying to get quotes or use the internet to make rate comparisons. There is a better way to shop for auto insurance and we’ll show you the best way to price shop coverage for a new or used Kia and find the lowest price from local insurance agents and online providers.

You should take the time to quote other rates occasionally because auto insurance prices tend to go up over time. Even if you got the best rates for Soul EV insurance a few years ago you can probably find a better rate quote now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the things you must know in order to get good coverage at a lower rate.

Buying car insurance is quite easy. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this information. Drivers just need to know the tricks to get comparison quotes online.

More discounts mean cheap premiums

Car insurance is not cheap nor is it fun to buy but companies offer discounts that many people don’t even know exist. Some discounts will apply when you purchase, but some need to be manually applied before you will receive the discount.

  • Telematics Devices – Drivers who elect to allow driving data submission to study driving habits by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they have good driving habits.
  • Driver’s Ed – It’s a good idea to have your young drivers sucessfully take a drivers education course in school or through a local driver safety program.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Government Employees – Active or former government employment could provide a small rate reduction for Soul EV insurance depending on your car insurance provider.
  • ABS Brakes – Anti-lock brake equipped vehicles can avoid accidents so companies give up to a 10% discount.
  • Accident Free – Insureds with no claims or accidents can earn big discounts in comparison with insureds who have frequent claims or accidents.

A quick disclaimer, most of the big mark downs will not be given to the entire cost. Most only apply to specific coverage prices like comp or med pay. So even though they make it sound like you could get a free car insurance policy, company stockholders wouldn’t be very happy.

The best car insurance companies and their possible discounts can be found below.

  • Geico has savings for daytime running lights, federal employee, anti-theft, multi-vehicle, good student, multi-policy, and seat belt use.
  • Travelers offers discounts including good student, early quote, payment discounts, student away at school, new car, and continuous insurance.
  • Nationwide may have discounts that include accident-free, multi-policy, anti-theft, defensive driving, and business or organization.
  • Farmers Insurance offers premium reductions for teen driver, early shopping, homeowner, multi-car, and switch companies.
  • Esurance discounts include renters, good student, paid-in-full, online shopper, anti-lock brakes, and defensive driver.
  • State Farm offers discounts for driver’s education, multiple policy, Steer Clear safe driver discount, Drive Safe & Save, safe vehicle, defensive driving training, and good driver.
  • Progressive has discounts for homeowner, online signing, multi-policy, multi-vehicle, online quote discount, good student, and continuous coverage.
  • Mercury Insurance policyholders can earn discounts including multi-policy, age of vehicle, good driver, multi-car, location of vehicle, and low natural disaster claims.

If you are trying to find cheap car insurance quotes, ask all companies you are considering how many discounts you can get. Some credits might not be available to policyholders in your area.

How to buy auto insurance online

Finding a better price on auto insurance is pretty simple and can save money. All you need to do is invest a few minutes to get quotes to find the company with low cost car insurance quotes. Price comparisons can be done using a couple different methods.

  1. The simplest way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This type of form saves time by eliminating separate forms to each individual auto insurance company. In just a few minutes this one form will get you rate comparisons from several companies. It’s definitely the quickest method.
  2. A less efficient way to find more affordable insurance requires you to visit each company website to complete a price quote. For example, let’s assume you want rates from State Farm, Esurance and Farmers. In order to compare rates, you need to take the time to go to each site to input your insurance information, which is not fast way to get rate quotes.

    To view a list of companies in your area, click here.

The method you choose is up to you, but ensure you are comparing exactly the same deductibles and coverage limits on every quote. If you enter different limits and deductibles on each one it’s not possible to make a fair rate comparison.

Insurance prices are influenced by these factors

Lots of things are part of the calculation when you get your auto insurance bill. Most are fairly basic like an MVR report, but some are less apparent like your continuous coverage or how financially stable you are.Smart consumers have a good feel for the factors that help determine insurance rates. If you have some idea of what impacts premium levels, this allows you to make good choices that could result in big savings.

  • Having a spouse reduces risk – Being married actually saves money when shopping for insurance. Having a significant other demonstrates that you tend to be more stable financially and it’s statistically proven that married drivers tend to have fewer serious accidents.
  • Your liability limits – Your policy’s liability coverage kicks in in the event that you are ruled to be at fault for physical damage or personal injury to other. Your liability coverage provides for a legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
  • Pay more by driving carelessly – A bad driving record can have a huge impact on auto insurance premiums. Attentive drivers receive lower rates than people who have multiple driving citations. Having a single chargable violation may cause rates to rise by as much as thirty percent. Drivers who have multiple tickets like reckless driving, hit and run or driving under the influence may need to complete a SR-22 with their state’s licensing department in order to prevent their license from being revoked.
  • Rate your vehicle for proper use – The higher the mileage driven every year the more you will pay for insurance. Most companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks left parked in the garage receive better premium rates than vehicles that have high annual mileage. Make sure your declarations sheet reflects the correct driver usage, because it can save money. Having an incorrect usage rating on your Soul EV can cost quite a bit.
  • Are you male or female? – Statistics have proven women tend to be less risk to insure than men. It does not mean women are better drivers. Both sexes cause at-fault accidents in similar percentages, but the men get into accidents with more damage. Men also statistically receive more major tickets like reckless driving and DUI. Young men ages 16 to 20 are the most expensive to insure and therefore are the most expensive to insure.
  • Use credit responsibly and save – Having a bad credit score is a large factor in calculating your insurance rates. If your credit rating is lower than you’d like, you may save money insuring your 2015 Kia Soul EV if you clean up your credit. Consumers who have excellent credit scores tend to be more responsible and file fewer claims than drivers who have poor credit scores.

It’s not one size fits all

When buying the right insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions can aid in determining whether you would benefit from an agent’s advice.

  • Does insurance cover damages from a DUI accident?
  • Why do I need rental car insurance?
  • Do I pay less for low miles?
  • Is my nanny covered when driving my vehicle?
  • What is PIP insurance?
  • How high should deductibles be on a 2015 Kia Soul EV?
  • What if I total my 2015 Kia Soul EV and owe more than it’s worth?
  • If my pet gets injured in an accident are they covered?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and may give you better protection.

The coverage is in the details

Understanding the coverages of your insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Medical expense insurance

Med pay and PIP coverage kick in for immediate expenses for ambulance fees, rehabilitation expenses, prosthetic devices, dental work and doctor visits. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

This coverage covers damage to your Soul EV caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a ditch, scraping a guard rail, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Kia Soul EV.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a deer, hail damage and theft. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability auto insurance

Liability insurance protects you from damage that occurs to a person or their property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as repair costs for stationary objects, court costs, attorney fees, medical services and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Keep this in mind

Some companies may not offer price quotes online and these smaller providers prefer to sell through independent insurance agencies. Lower-priced 2015 Kia Soul EV insurance can be bought from both online companies and with local insurance agents, and you should be comparing both in order to have the best chance of saving money.

Insureds leave their current company for any number of reasons including policy non-renewal, delays in responding to claim requests, questionable increases in premium and high prices. Regardless of your reason, finding the right auto insurance provider is not as difficult as it may seem.

As you shop your coverage around, it’s very important that you do not buy less coverage just to save a little money. In many instances, someone sacrificed comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. The aim is to buy enough coverage at a price you can afford, but do not skimp to save money.

More detailed auto insurance information can be read in the articles below: