Lower Your 2018 Kia Soul Insurance Quotes

Searching for low-cost insurance for a new or used Kia Soul can be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to buy insurance coverage so we’re going to tell you the absolute fastest way to compare rates for a Kia and locate the cheapest rates either online or from local insurance agents.

How to get insurance rate quotes

Effectively comparing insurance prices can be challenging if you don’t know the best way to get rate quotes. You could spend your day driving to insurance agencies in your area, or you could save time and use the web for quick rates.

Most major companies belong to an insurance system that enables customers to complete one form, and every company can provide price quotes based on the submitted data. This prevents consumers from doing quote forms to each company.

To participate in this free quote system, click here to open in new window.

The one disadvantage to using this type of form is you don’t know exactly which carriers you want to price. If you prefer to choose specific insurance companies for rate comparison, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

The approach you take is up to you, just double check that you are using the exact same quote data on every quote you get. If you compare different limits and deductibles on each one it will be next to impossible to make a fair comparison for your Kia Soul.

Don’t be fooled by advertising claims

Consumers can’t avoid all the ads for the lowest price insurance coverage by companies like Geico, State Farm and Progressive. All the companies have a common claim that you’ll save big just by moving to them.

That’s great but how can every company charge less that you’re paying now? It’s all in the wording.

Companies offer their best rates for the type of customer that will not have excessive claims. One example of this type of driver could be over age 30, owns a home, and has great credit. Any customer who matches those parameters will qualify for the lowest premium rates and will save a lot if they switch.

Drivers who don’t measure up to the “perfect” profile will see higher prices and this results in business going elsewhere. If you pay attention, the ads say “customers that switch” but not “all drivers who get quotes” save that much. This is how insurance companies can make the claims of big savings.

Because of this risk profiling, you need to get insurance coverage quotes as often as possible. Because you never know which company will give you the biggest savings.

Discounts for lower-cost car insurance rates

Some providers don’t always list every disount available very well, so the following list contains some of the best known as well as some of the hidden credits available to you. If you do not double check each discount you qualify for, you are just wasting money.

  • Senior Citizens – Older drivers may receive lower premium rates on Soul coverage.
  • Organization Discounts – Affiliation with a professional or civic organization is a good way to get lower rates on car insurance.
  • Driver’s Ed – Teen drivers should enroll and complete driver’s education in school.
  • Accident Waiver – This isn’t a discount exactly, but companies like Progressive, State Farm and Geico will forgive one accident without getting socked with a rate hike if you have no claims for a set time period.
  • Telematics Discount – Insureds that choose to allow driving data submission to analyze driving habits by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if they are good drivers.

One last thing about discounts, most of the big mark downs will not be given to the entire policy premium. Some only apply to the price of certain insurance coverages like comp or med pay. Even though the math looks like you could get a free car insurance policy, nobody gets a free ride.

Some companies that may offer these money-saving discounts include:

When getting free insurance coverage quotes, it’s a good idea to each insurance company to give you their best rates. Savings might not apply in every state. If you would like to choose from a list of insurers who offer online car insurance quotes, click here.

You may need specialized insurance coverage

When choosing the best insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that might point out whether you may require specific advice.

  • How much underlying liability do I need for an umbrella policy?
  • Where can I find high-risk insurance?
  • Can I drive in Mexico and have coverage?
  • Should I bundle my homeowners policy with my auto?
  • Can I still get insurance after a DUI?
  • Will I lose any money if I cancel my policy before it expires?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What can I do if my company won’t pay a claim?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I need an umbrella policy?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Specific coverages for a Kia Soul

Learning about specific coverages of your car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Liability insurance

This coverage provides protection from damage that occurs to other’s property or people in an accident. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims such as funeral expenses, bail bonds, medical services, court costs and pain and suffering. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for expenses such as nursing services, doctor visits, hospital visits, X-ray expenses and funeral costs. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive car insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, hitting a deer, damage from getting keyed and vandalism. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Kia Soul.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently these limits do not exceed the liability coverage limits.

Collision coverage

This coverage covers damage to your Soul caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as rolling your car, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Be a smart shopper

Cheaper insurance coverage is available from both online companies and with local insurance agents, and you need to price shop both to have the best rate selection. Some companies may not offer rate quotes online and these regional insurance providers only sell through independent agents.

We covered a lot of ways to lower your 2018 Kia Soul insurance rates. The most important thing to understand is the more rate quotes you have, the better likelihood of getting low cost insurance coverage. Consumers could even find that the best rates are with a smaller regional carrier.

Insureds change insurance companies for a variety of reasons including delays in paying claims, not issuing a premium refund, policy non-renewal or delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new insurance company is pretty easy and you might even save some money in the process.

More information can be read on the following sites: