2017 Kia Soul EV Insurance Quotes – 8 Savings Tips

Trying to find lower car insurance rates for your Kia Soul EV? Searching for low-cost insurance for a new or used Kia Soul EV can turn out to be a lot of work, but you can follow these tips and make it easy. There is a right way and a wrong way to shop for car insurance so we’re going to tell you the proper way to compare rates for a Kia and locate the best price possible.

If you have a policy now or need new coverage, you can use these techniques to cut your premiums while maintaining coverages. Shopping for affordable protection is easy if you know what you’re doing. Vehicle owners just need to learn the most efficient way to get comparison rates over the internet.

Lower rates by qualifying for these eight discounts

Insurance coverage is easily one of your largest bills, but you may be missing some discounts to help offset the cost. Certain discounts will be triggered automatically when you complete an application, but lesser-known reductions have to be specially asked for before you will receive the discount.

  • Low Mileage Discounts – Driving less could earn substantially lower premium rates.
  • Resident Student – Older children who are enrolled in a college that is more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Anti-theft Discount – Cars, trucks, and SUVs with anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
  • Drive Safe and Save – Drivers without accidents may receive a discount up to 45% for Soul EV coverage than drivers with accidents.
  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to wear their seat belts can save up to 15% off PIP or medical payments premium.
  • Organization Discounts – Being in a professional or civic organization could trigger savings on your bill.
  • Data Collection Discounts – Drivers who elect to allow their insurance coverage company to spy on where and when they drive by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm might see lower rates as long as they are good drivers.
  • Active Military Service – Being on active duty in the military could mean lower prices.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think all the discounts add up to a free policy, you’re out of luck.

A few companies that may offer policyholders most of these discounts possibly include:

Double check with each insurance company how you can save money. Some discounts may not apply to policies in your area.

How to find the cheapest insurance coverage

Lowering your 2017 Kia Soul EV insurance coverage rates is actually easier than you may think. You just have to invest a little time comparing free car insurance quotes to discover which company has affordable car insurance quotes. This can be done using one of these methods.

  • The fastest way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This quick form saves time by eliminating separate quote forms for each price estimate. In just a few minutes this one form will get you rate comparisons from many national carriers. Recommended for those who want to invest the least amount of time.
  • A different way to shop for insurance coverage online consists of visiting each company’s website and repeat the quote process again and again. For examples sake, we’ll pretend you want to compare rates from State Farm, Progressive and Liberty Mutual. You would have to spend time going to each site individually and repeatedly type in your coverage information, and that explains why we recommend the first method.

    For a list of companies in your area, click here.

Whichever method you choose, make absolute certain that you use identical coverages and limits on every price quote you get. If your comparisons have different data it will be next to impossible to make a fair rate comparison.

Auto insurance is unique, just like you

When buying the best auto insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions might point out if you would benefit from professional advice.

  • Where can I find high-risk insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Why is insurance for a teen driver so high?
  • Do I get a pro-rated refund if I cancel my policy early?
  • How do I insure my teen driver?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does my policy cover my teen driver if they drive my company car?
  • Should I buy only the required minimum liability coverage?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Insurance advertising gotchas

Consumers can’t escape the ads that promise big savings from the likes of State Farm, Geico and Progressive. They all seem to have a common claim about saving some big amount if you change to their company.

How does every company lower your prices?

All companies have strict underwriting profiles for the type of driver that makes them money. For example, a desirable risk might have to be over the age of 45, carries high limits, and drives a vehicle with a low ISO rating. A driver who meets those qualifications receive the lowest rate quotes and will probably save quite a bit of money when switching.

Potential insureds who may not quite match these stringent criteria will have to pay higher premium rates which translates to the prospect going elsewhere. If you listen closely, the ads state “people that switch” not “all people who quote” save that much when switching. This is how insurance companies can state the savings. Because of these techniques, you absolutely need to compare rate quotes every year. Because without a comparison, you cannot know which company will be your best fit.

Coverages available on your policy

Understanding the coverages of insurance helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Kia Soul EV.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive (Other than Collision)

This covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as a tree branch falling on your vehicle, falling objects and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance

Med pay and PIP coverage provide coverage for immediate expenses for things like EMT expenses, prosthetic devices and nursing services. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a parking meter, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Liability auto insurance

Liability coverage will cover damage or injury you incur to a person or their property. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims such as loss of income, court costs, medical services, attorney fees and bail bonds. How much coverage you buy is your choice, but buy higher limits if possible.

Money doesn’t grow on trees

Insureds who switch companies do it for a variety of reasons including not issuing a premium refund, an unsatisfactory settlement offer, delays in paying claims and even poor customer service. Whatever your reason, finding a new company is not as hard as you think.

Cost effective 2017 Kia Soul EV insurance is definitely available on the web and from local insurance agents, and you need to comparison shop both to have the best selection. Some insurance companies do not offer rates over the internet and usually these small insurance companies prefer to sell through independent agencies.

You just read some good ideas how you can save on 2017 Kia Soul EV insurance. The most important thing to understand is the more times you quote, the better your chances of lowering your premium rates. You may be surprised to find that the best price on insurance coverage is with a lesser-known regional company.

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