Cheaper 2016 Kia Soul EV Insurance Quotes

Trying to find cheaper auto insurance rates for your Kia Soul EV? Car insurance shoppers not familiar with comparing auto insurance rates online will discover purchasing affordable car insurance is harder than it needs to be.

You should make it a habit to get comparison quotes at least once a year because auto insurance prices fluctuate regularly. Even if you got the lowest rates on Soul EV insurance a year ago other companies may now be cheaper. Block out anything you think you know about auto insurance because you’re about to learn the things you must know in order to find better coverage at a better price.

The purpose of this article is to tell you the most effective way to quote insurance and some tips to save money. If you currently have car insurance, you will be able to lower your premiums substantially using these methods. Nevertheless, drivers must understand the methods companies use to price online insurance because it can help you find the best coverage.

Cheap car insurance quotes with discounts

Companies that sell car insurance do not list all available discounts very well, so we researched some of the best known and the more hidden discounts that you may qualify for. If you do not check that you are getting every discount you qualify for, you’re paying more than you need to.

  • Anti-theft System – Vehicles that have factory anti-theft systems are stolen less frequently and can earn a small discount on your policy.
  • Accident Forgiveness – This one is not really a discount per se, but companies like Liberty Mutual and Geico allow you one accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • Discount for Life Insurance – Companies who offer life insurance give better car insurancerates if you take out auto and life insurance together.
  • New Car Discount – Insuring a new car can cost up to 25% less because newer models keep occupants safer.
  • Student Discounts – A discount for being a good student may save as much as 25% on a car insurance quote. The good student discount can last up to age 25.
  • Early Payment Discounts – If you pay your entire premium ahead of time as opposed to paying monthly you can avoid monthly service charges.
  • Claim Free – Drivers with accident-free driving histories are rewarded with significantly better rates on car insurance quote when compared to frequent claim filers.
  • Discounts for Federal Employees – Having worked for a branch of the government can earn a discount up to 10% on Soul EV insurance but check with your company.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in school or through a local driver safety program.

As a footnote on discounts, most discount credits are not given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, you won’t be that lucky.

Companies who might offer these discounts are:

If you need inexpensive car insurance quotes, ask all companies you are considering how many discounts you can get. Some of the discounts discussed earlier may not apply to policyholders in your state. To see insurers with significant discounts, click this link.

Compare free insurance quotes

When shopping for cheaper car insurance quotes, there are a couple of ways of comparing rate quotes from different insurance companies. By far the easiest way to find competitive Kia Soul EV insurance rates consists of obtaining rate quotes online. This is quite simple and can be completed in just a few minutes using one of these methods.

  • One of the simplest ways to get quotes is an all-inclusive rate comparison like this one (opens in new window). This method saves time by eliminating a different quote for every company. One form gets coverage cost estimates from several companies. Recommended for those who want to invest the least amount of time.
  • A less efficient way to compare rate quotes is to take the time to go to the website for every company you want to comare to complete a price quote. For example, let’s say you are doing a rate comparison from Nationwide, Progressive and Allstate. In order to get each rate, you would have to visit each site and type in your information over and over, and that’s why the first method is more popular. To view a list of companies in your area, click here.

The approach you take is up to you, just make absolute certain that you use identical coverages for each comparison quote. If you are comparing unequal deductibles or liability limits it will be impossible to truly determine the lowest rate. Just slight variations in coverages can result in a big premium difference. Keep in mind that comparing more rates from different companies will enable you to find a lower rate. Some regional insurers cannot provide price estimates online, so it’s important to also get prices from the smaller companies as well.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Am I covered if I hit a deer?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • I have health insurance so do I need medical payments coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I get collision insurance on every vehicle?
  • Am I covered by my spouse’s policy after a separation?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form.

Coverage specifics

Learning about specific coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive auto insurance – This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, damage from a tornado or hurricane, hitting a bird, a broken windshield and hail damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance – Liability insurance provides protection from damage that occurs to a person or their property in an accident. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like loss of income, medical expenses, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical expenses – Med pay and PIP coverage kick in for immediate expenses such as pain medications, chiropractic care and nursing services. They are utilized in addition to your health insurance plan 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 it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Kia Soul EV.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.

Collision coverages – This pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like rolling your car, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

More effort can pay off

As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. There have been many situations where someone sacrificed full coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The goal is to buy a smart amount of coverage at the best possible price while still protecting your assets.

In this article, we presented a lot of techniques to lower your 2016 Kia Soul EV insurance prices. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding low cost car insurance. Consumers could even find that the best prices are with the smaller companies.

Consumers leave their current company for any number of reasons including delays in paying claims, policy cancellation, policy non-renewal or even denial of a claim. It doesn’t matter what your reason, switching companies is pretty easy and you might even save some money in the process.

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