Cheaper 2015 Kia Soul Insurance Rates

Finding discount auto insurance can appear to be somewhat intimidating for price shopping online. With more and more companies, how can you effectively compare every auto insurance company to find the cheapest available price?

It’s important to do rate comparisons periodically because prices are adjusted regularly by insurance companies. If you had the best deal on Soul insurance on your last policy there may be better deals available now. Forget all the misinformation about auto insurance because we’re going to show you the proper way to find better rates and still maintain coverage.

Save money with discounts

Insurance can cost an arm and a leg, but you may find discounts that you may not even know about. Many discounts should be triggered at the time of quoting, but occassionally some discounts must be inquired about in order for you to get them.

  • Theft Deterent System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems help deter theft and that can save you a little bit as well.
  • Sign Online – A handful of companies may give you up to $50 for signing up digitally online.
  • Military Discounts – Being on active deployment in the military could be rewarded with lower car insurance rates.
  • Drive Safe and Save – Drivers who don’t get into accidents could pay up to 40% less on Soul insurance than their less cautious counterparts.
  • No Claims – Claim-free drivers pay much less when compared with policyholders that have many claims.
  • Seat Belt Discounts – Requiring all passengers to use their safety belts could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Bundle and Save – When you combine your homeowners and auto insurance with one company they may give you a discount of at least 10 to 15 percent or more.
  • Multi-line Discount – Not all car insurance companies offer life insurance, but some may give you a small discount if you purchase life insurance.
  • Save with a New Car – Putting car insurance coverage on a new car can cost up to 25% less because newer models keep occupants safer.

A quick disclaimer, some of the credits will not apply to the entire cost. Some only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like you could get a free car insurance policy, insurance companies wouldn’t stay in business.

Insurance companies that possibly offer most of the discounts above include:

If you want cheaper car insurance quotes, ask each company or agent which discounts you may be entitled to. A few discounts may not apply to policies everywhere.

Cheapest auto insurance quotes

The are a couple different ways to compare quotes from auto insurance companies in your area. The easiest way by far to find the lowest 2015 Kia Soul rates is to get quotes online. This is quite simple and can be completed in a couple of different ways.

  • The single most time-saving way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This form eliminates the need for a different quote for each company. One form submission gets rate comparisons from many national carriers. Recommended for those who want to invest the least amount of time.
  • A harder way to analyze rates requires a visit to each company’s website to complete their respective quote request forms. For examples sake, let’s say you need rates from Auto-Owners, Farmers and Liberty Mutual. To find out each rate you need to take the time to go to each site and enter your information, which is why the first method is more popular.

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

  • The hardest way to find lower rates is to drive around to different agent offices. Quoting and buying insurance online eliminates the middleman unless you prefer the peace of mind of a local agency. It is possible to compare online quotes but buy the policy through an agent.

It’s up to you which method you use, but try to keep equivalent coverage limits and deductibles on every quote you get. If you compare different values for each quote you can’t possibly make a fair comparison for your Kia Soul. Just a small difference in limits could mean much higher rates. Just remember that getting more free quotes increases your odds of finding better pricing.

Insurance prices are influenced by these factors

Many things are used in the calculation when pricing auto insurance. A few of the factors are predictable like your driving record, but other criteria are more obscure such as your marital status or how financially stable you are.

  • Too many policy claims and you’ll pay more – If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Auto insurance companies award most affordable rates to policyholders who only file infrequent claims. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
  • Less chance of injury means lower car insurance rates – Cars with five star safety ratings tend to have lower insurance rates. Safer cars have better occupant injury protection and reduced instances of injuries means less money paid by your insurance company and lower rates for you. If your Kia scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Poor driving leads to higher costs – Even a single chargable violation could increase your next policy renewal to the point where it’s not affordable. Careful drivers pay less for auto insurance compared to drivers with tickets. Drivers with multiple citations like DUI, reckless driving or excessive speeding may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to legally drive a vehicle.
  • Cut car insurance rates and deter theft – Buying a car that has an advanced theft prevention system can help bring down rates. Systems that thwart theives like OnStar, LoJack tracking, and tamper alarms all aid in stopping auto theft.
  • Better credit means lower rates – Having a bad credit rating can be a huge factor in determining your rates. Drivers with excellent credit scores tend to be more responsible than drivers who have worse credit. If your credit rating is not that good, you could be paying less to insure your 2015 Kia Soul by repairing your credit.

What is the best insurance coverage coverage?

When it comes to choosing the right insurance coverage, there really is no one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining whether your personal situation will benefit from professional help.

  • Is my trailer covered?
  • Does having multiple vehicles earn me a discount?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is my camper covered by my car insurance policy?
  • Can I rent a car in Mexico?
  • Do I need motorclub coverage?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form.

Why you might not save $430 a year

Insurance companies such as State Farm, Geico and Progressive continually stream television and radio advertisements. They all advertise claims that you’ll save big if you change your coverage. How does every company charge lower premium rates? It’s all in the words they use.

Different companies have specific guidelines for the type of customer that will not have excessive claims. One example of this type of risk profile might be described as over age 30, has no prior claims, and drives a safe vehicle. Any new insured who matches that profile gets the lowest car insurance rates and will probably save when they switch companies.

Drivers who do not meet those criteria may be required to pay higher rates and the customer not purchasing. The ads say “drivers that switch” not “everyone who quotes” will save that much if they switch. That’s why insurance companies can make it sound like they have such great rates. Because of these techniques, drivers must get car insurance quotes from several different companies. Because without a comparison, you cannot know which insurance companies will have the best prices for your profile.

Insurance coverage specifics

Understanding the coverages of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Auto liability

This coverage protects you from injuries or damage you cause to other people or property that is your fault. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as emergency aid, medical services, bail bonds and loss of income. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM Coverage

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Kia Soul.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, a tree branch falling on your vehicle, damage from flooding and theft. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for hospital visits, funeral costs, surgery, doctor visits and chiropractic care. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision protection

This pays for damage to your Soul from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a mailbox, hitting a parking meter, crashing into a building, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

More choices the merrier

We just presented a lot of techniques to save on 2015 Kia Soul insurance. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest rates are with a lesser-known regional company.

Cheaper insurance coverage can be bought both online and also from your neighborhood agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance companies may not have online quoting and many times these small insurance companies provide coverage only through independent agents.

As you go through the steps to switch your coverage, it’s a bad idea to buy poor coverage just to save money. Too many times, someone dropped collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage for the lowest price.

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