View 2018 Kia Soul EV Car Insurance Cost

Trying to find cheaper insurance rates? Buyers have lots of choices when searching for the lowest priced Kia Soul EV insurance. They can either waste time calling around to compare prices or save time using the internet to find the lowest rates.

There is a better way to compare insurance rates so we’re going to tell you the proper way to quote coverages for your Kia and locate the best price possible from local insurance agents and online providers.

Smart consumers take time to shop coverage around once or twice a year since insurance rates fluctuate regularly. Just because you found the lowest premium rates on Soul EV coverage a couple years back you may be paying too much now. You’ll find a ton of advice on insurance on the internet, but in just a couple of minutes you can learn the best ways to slash your insurance rates.

If you have insurance now or need new coverage, you can learn to cut your premiums while maintaining coverages. The purpose of this article is to instruct you on the most effective way to quote insurance and some tips to save money. Drivers just need to know the most efficient way to compare price quotes on the web.

Auto insurance quotes comparison

Most major insurance companies make it easy to get prices for coverage online. The process is fairly simple because you just enter the coverage amounts you desire into a form. When complete, the quote system makes automated requests for credit information and your driving record and provides a quote based on many factors.

This helps simplify price comparisons, but the process of having to visit a lot of sites and type in the same data is repetitive and time-consuming. But it’s absolutely necessary to perform this step if you want to find the best price on auto insurance.

The easiest way to lower your rates utilizes a single form to obtain quotes from multiple companies. It saves time, reduces the work, and makes quoting online much more enjoyable and efficient. After sending your information, your coverage is rated and you are able to buy any of the price quotes you receive.

If a lower price is quoted, you can simply submit the application and purchase the new policy. This process can be completed in less than 10 minutes and may save quite a bit of money.

In order to find out how much you’re overpaying now, click here and submit your coverage information. If you have your current policy handy, we recommend you copy the insurance coverages as close as possible to your current policy. This helps ensure you will receive a fair comparison for the exact same coverage.

More affordable rates with these car insurance discounts

Buying car insurance is not cheap, but there could be available discounts that can help lower your rates. Most are applied at the time you complete a quote, but once in a while a discount must be asked about prior to getting the savings.

  • Discount for Low Mileage – Maintaining low annual mileage could be rewarded with discounted car insurancerates on garaged vehicles.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen with less frequency and therefore earn up to a 10% discount.
  • Service Members Pay Less – Being deployed in the military can result in better prices.
  • More Vehicles More Savings – Drivers who insure multiple cars with the same company can get a discount for every vehicle.
  • ABS Braking Discount – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way.

Popular car insurance companies and some of their more popular discounts are detailed below.

  • 21st Century offers premium reductions for homeowners, student driver, theft prevention, driver training, anti-lock brakes, good student, and defensive driver.
  • Progressive may have discounts that include online signing, homeowner, online quote discount, multi-vehicle, and good student.
  • State Farm has discounts for driver’s education, accident-free, student away at school, Steer Clear safe driver discount, Drive Safe & Save, and good driver.
  • Nationwide may include discounts for Farm Bureau membership, accident-free, defensive driving, family plan, multi-policy, and good student.
  • Esurance offers discounts including multi-policy, good driver, good student, paid-in-full, DriveSense, online quote, and defensive driver.
  • The Hartford policyholders can earn discounts including bundle, defensive driver, air bag, anti-theft, and vehicle fuel type.

When quoting, ask each company or agent to apply every possible discount. Savings might not be offered on policies in your state. To see a list of car insurance companies who offer cheap car insurance quotes, click this link.

Insurance coverage can get complicated

When it comes to choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Every situation is different.

These are some specific questions may help you determine whether or not you could use an agent’s help.

  • When should I drop full coverage on my 2018 Kia Soul EV?
  • Are rental cars covered under my policy?
  • Am I covered when delivering products for my home-based business?
  • Does my policy pay for OEM or aftermarket parts?
  • Why do I only qualify for high-risk insurance?
  • Can my teen drive my company car?
  • How can I find cheaper teen driver insurance?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

Insurance coverage breakdown

Learning about specific coverages of insurance can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive protection – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as theft, hitting a bird, a broken windshield, damage from getting keyed and rock chips in glass. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for immediate expenses like prosthetic devices, funeral costs and hospital visits. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – This provides protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Kia Soul EV.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

Liability coverage – This coverage provides protection from damage or injury you incur to other’s property or people. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy 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 one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like funeral expenses, loss of income and medical expenses. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Collision – Collision insurance covers damage to your Soul EV resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as colliding with a tree, colliding with another moving vehicle, hitting a parking meter, sideswiping another vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

In conclusion

We just covered a lot of tips how to compare 2018 Kia Soul EV insurance rates online. The key concept to understand is the more times you quote, the better your chances of lowering your car insurance rates. Consumers could even find that the lowest priced auto insurance comes from a lesser-known regional company.

When buying insurance coverage, don’t be tempted to reduce coverage to reduce premium. Too many times, someone dropped physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The ultimate goal is to buy the best coverage you can find for the lowest cost but still have enough coverage for asset protection.

There are still a few companies who do not offer the ability to get a quote online and these small insurance companies prefer to sell through independent agents. Low-cost 2018 Kia Soul EV insurance can be found online and with local insurance agents, so compare prices from both to have the best rate selection.

Much more information about auto insurance is located at these links: