2017 Kia Soul Insurance Cost – 9 Policy Discounts

Did a good deal turn out to be high-priced auto insurance? Say no more because many consumers are feeling buyer’s remorse and feel like there’s no way out. Companies like Allstate and Progressive constantly blast consumers with catchy ads and it can be hard to not get sucked in by the cute commercials and find the best price available.

How to compare auto insurance rate quotes

Comparing auto insurance rates can take hours if you aren’t aware of the most efficient way. You can waste a few hours (or days) talking to local insurance agents in your area, or you can utilize the web to accomplish the same thing much quicker.

All the larger companies participate in a marketplace where insurance shoppers send in one quote, and each company can provide price quotes based on that information. This prevents consumers from doing repetitive form submissions for each company. To use this form to compare rates click here to start a free quote.

The one disadvantage to using this type of system is you are unable to specify the insurers you want to price. So if you want to choose from a list of companies to compare rates, we put together a list of the cheapest auto insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make darn sure you compare the same coverages on every quote you get. If you enter differing limits it’s not possible to determine the best price for your Kia Soul.

Are you getting every discount?

Companies that sell car insurance don’t always list all their discounts in an easy-to-find place, so we researched some of the best known as well as some of the hidden discounts that you may qualify for.

  • Distant College Student Discount – Children who live away from home at college and do not have a car may be insured at a cheaper rate.
  • Defensive Driver Discounts – Taking a safe driver course could earn you a small percentage discount and easily recoup the cost of the course.
  • Discounts for Federal Employees – Simply working for the federal government could qualify for a slight premium decrease for Soul insurance with some car insurance companies.
  • Drivers Ed for Students – Have your child participate in a local driver’s education class if it’s offered in school.
  • No Claim Discounts – Drivers who don’t have accidents get the best car insurance rates in comparison with policyholders that have many claims.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower rates.
  • Use Seat Belts – Drivers who require all vehicle occupants to wear their seat belts may be able to save a few bucks off the PIP or medical payment premium.
  • Pay Upfront and Save – By paying your entire bill at once rather than spreading payments over time you may reduce your total bill.
  • Own a Home – Just owning your own home can earn you a little savings because maintaining a house shows financial diligence.

It’s important to understand that most credits do not apply the the whole policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like all the discounts add up to a free policy, you’re out of luck.

Some of the larger companies that possibly offer some of the above discounts include:

When getting free insurance coverage quotes, it’s a good idea to all companies you are considering which discounts they offer. Some discounts may not be available in every state.

When in doubt talk to an agent

When buying the best car insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every situation is different and your policy should reflect that. For example, these questions might point out if your insurance needs would benefit from an agent’s advice.

  • Will I lose any money if I cancel my policy before it expires?
  • Do I need motorclub coverage?
  • Should I have a commercial auto policy?
  • Should I sign the liability waiver when renting a car?
  • What is the ISO rating for a 2017 Kia Soul?
  • Do I benefit by insuring my home with the same company?
  • What is roadside assistance coverage?

If you can’t answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Coverages available on your auto insurance policy

Having a good grasp of your policy can be of help when determining which coverages you need and proper limits and deductibles. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types available from auto insurance companies.

Liability auto insurance – Liability insurance protects you from damages or injuries you inflict on other’s property or people in an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as emergency aid, medical expenses, pain and suffering, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision – Collision insurance covers damage to your Soul caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as sustaining damage from a pot hole, scraping a guard rail, backing into a parked car, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive protection – This pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from flooding, vandalism and hitting a bird. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for expenses for chiropractic care, surgery, hospital visits, prosthetic devices and doctor visits. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your 2017 Kia Soul.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.