Lower Your 2016 Kia Soul Insurance Quotes

Do you get exhausted from being strong-armed to pay auto insurance each month? Your situation is no different than many other drivers.

There are many car insurance companies to choose from, and although it’s nice to have a choice, too many choices makes it more difficult to find a good deal.

It’s a good idea to do rate comparisons on a regular basis since insurance rates are rarely the same from one policy term to another. Even if you think you had the best deal on Soul coverage last year you will most likely find a better price today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the right way to get good coverage at a lower rate.

More discounts mean cheaper premiums

Insuring your fleet can be pricey, but there may be some discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you complete an application, but some need to be asked about before you will receive the discount.

  • Discount for Multiple Policies – If you can bundle your homeowners and auto insurance and insure them with the same company you could earn a discount of at least 10% off all policies.
  • Low Miles Discount – Fewer annual miles on your Kia could be rewarded with discounted premium rates on garaged vehicles.
  • Savings for New Vehicles – Buying a new car instead of a used car is cheaper compared to insuring an older model.
  • Discounts for Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Soul coverage with some car insurance companies.
  • Discount for Swiching Early – A few larger companies allow discounts for buying a policy prior to your current policy expiring. You could save around 10% when you buy insurance online.
  • Accident Free – Drivers who stay claim-free can save substantially as compared to insureds who have frequent claims or accidents.
  • E-sign – Some of the larger companies will discount your bill up to fifty bucks for completing your application digitally online.
  • Telematics Data Discounts – Insureds who allow their insurance company to track driving patterns remotely such as Progressive’s Snapshot may get a rate reduction if they show good driving skills.
  • Driver Safety – Taking part in a safe driver class could save 5% or more depending on where you live.

Don’t be shocked that most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like all the discounts add up to a free policy, companies don’t profit that way. Any amount of discount will definitely reduce the premium cost.

Popular car insurance companies and their offered discounts are shown below.

  • Travelers offers premium reductions for driver training, student away at school, good student, continuous insurance, new car, IntelliDrive, and early quote.
  • 21st Century has savings for early bird, driver training, good student, air bags, teen driver, and automatic seat belts.
  • State Farm offers discounts for student away at school, Steer Clear safe driver discount, Drive Safe & Save, anti-theft, good driver, safe vehicle, and accident-free.
  • Geico offers discounts including multi-policy, military active duty, driver training, federal employee, anti-lock brakes, and daytime running lights.
  • SAFECO policyholders can earn discounts including teen safety rewards, safe driver, homeowner, anti-lock brakes, and teen safe driver.
  • AAA may include discounts for pay-in-full, good student, multi-car, anti-theft, education and occupation, good driver, and AAA membership discount.

When comparing rates, check with each insurance company to give you their best rates. Some discounts may not apply in your area. For a list of insurance companies who offer free car insurance quotes, click here.

The quickest way to compare policy rates is to know the fact most of the larger companies provide online access to provide you with a free rate quote. The only thing you need to do is give the companies some data including daily mileage, your job, if you require a SR-22, and how you use your vehicles. Those rating factors is instantly sent to many of the top insurers and they provide comparison quotes quickly.

If you would like to start a quote now, click here and enter your coverage details.

Lower the price of auto insurance with these tips

One of the most helpful ways to save on auto insurance is to to have a grasp of the different types of things that help calculate your policy premiums. If you understand what determines premiums, this empowers consumers to make smart changes that could result in lower rates. Many factors are taken into consideration when quoting car insurance. Some are obvious like a motor vehicle report, but other criteria are more obscure such as your credit history or your commute time.

Shown below are some of the most rate-impacting factors companies use to determine your prices.

  • Incidental coverages could be costing you – Policies have add-on coverages that sound like a good idea at the time on your Soul policy. Insurance for replacement cost coverage, better glass coverage, and additional equipment coverage could be just wasting money. These coverages may sound good when discussing your needs, but if they’re wasting money consider taking them off your policy.
  • No policy gaps is important – Having a gap between insurance policy dates will be a sure-fire way to drive up your policy premiums. Not only will you pay more, failure to provide proof of insurance may earn you a fine, jail time, or a revoked license. You could then be forced to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Better credit means lower premiums – Having a bad credit history will be a significant factor in determining what you pay for auto insurance. Consumers who have good credit tend to file fewer claims than those with worse credit. If your credit history is not that good, you may save money insuring your 2016 Kia Soul if you clean up your credit.
  • Getting married reduces risk – Having a wife or husband can actually save you money on auto insurance. It demonstrates that you tend to be more mature and responsible and it’s proven that drivers who are married are more cautious.
  • How’s your driving record? – Your driving citation history impacts premiums far more than you think. Having just one citation may cause rates to rise by twenty percent. Careful drivers pay less for auto insurance compared to bad drivers. Drivers with dangerous tickets such as DUI or willful reckless driving may find that they have to to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
  • Safer cars save money – Vehicles with high crash test scores are cheaper to insure. Vehicles built for safety protect occupants better and better occupant protection means less claims paid and more competitive rates for policyholders.
  • Safeguard your assets with liability protection – Your auto insurance policy’s liability coverage will provide protection if ever you are found liable for damages from an accident. Liability insurance provides legal defense which can cost thousands of dollars. It is affordable coverage compared to comp and collision, so drivers should buy more than the minimum limits required by law.
  • Combine and save – Lots of insurers will award better rates for people who have multiple policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to comparison shop to make sure you are getting the best deal.There is a good possibility that you can find lower rates even if you have your coverage with different companies

It’s not one size fits all

When it comes to choosing adequate coverage for your personal vehicles, there really is not a one size fits all plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions might point out if you might need an agent’s assistance.

  • What if I owe more than I can insure my car for?
  • Is upholstery damage covered by car insurance?
  • Am I covered if I crash into my own garage door?
  • How much underlying liability do I need for an umbrella policy?
  • Am I covered when using my vehicle for business?
  • Can my babysitter drive my car?
  • Where can I find high-risk insurance?
  • Am I missing any policy discounts?

If it’s difficult to answer those questions, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Is there deception in advertising?

Respected companies like Allstate, Geico and Progressive endlessly run ads in print and on television. They all advertise the message about savings if you get a free insurance quote and switch to their company. How does every company cost less than your current company? You have to listen carefully.

Companies are able to cherry pick for the type of driver that will add to their bottom line. A good example of a profitable customer should be a female over age 40, has other policies, and chooses high deductibles. Someone who matches that profile will most likely get cheap rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who don’t qualify for this stringent profile must pay higher premiums which results in the customer not purchasing. The trick is to say “drivers that switch” but not “all drivers who get quotes” save that much money. That is how companies can make claims that they all have the best prices.

Because each company has a different risk profile, it is so important to get insurance quotes as often as possible. Because without a comparison, you cannot know which auto insurance company will have the lowest rates.

Insurance coverage specifics

Understanding the coverages of insurance aids in choosing appropriate coverage for your vehicles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on most insurance policies.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, vandalism and fire damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverages – This coverage pays for damage to your Soul resulting 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 pays for claims such as driving through your garage door, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Medical expense insurance – Coverage for medical payments and/or PIP pay for short-term medical expenses such as ambulance fees, prosthetic devices and X-ray expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance – Liability insurance can cover damage or injury you incur to other people or property that is your fault. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims like pain and suffering, court costs, repair bills for other people’s vehicles and structural damage. How much coverage you buy is your choice, but consider buying as much as you can afford.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Most of the time these limits are set the same as your liablity limits.

Be Smart and Buy Smart

Cheap 2016 Kia Soul insurance is definitely available on the web and from local insurance agents, and you need to price shop both to get a complete price analysis. Some car insurance companies may not offer rates over the internet and usually these smaller providers only sell through local independent agents.

While you’re price shopping online, it’s not a good idea to reduce needed coverages to save money. There have been many situations where someone dropped uninsured motorist or liability limits only to discover later they didn’t have enough coverage. Your aim should be to find the BEST coverage at a price you can afford.

We just covered many ideas to lower your 2016 Kia Soul insurance rates. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may even discover the lowest rates are with a small local company. They often have lower auto insurance rates on specific markets compared to the large companies like State Farm, Geico and Nationwide.

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