9 Top Tips to Reduce Kia Soul Insurance Costs

Shoppers have many options when shopping for affordable Kia Soul insurance. You can either spend your time calling around trying to get quotes or utilize the internet to get rate quotes.

There is a better way to shop for car insurance and we’ll show you the proper way to get price quotes for a Kia and obtain the lowest possible price from local insurance agents and online providers.

Car Insurance Quote Comparison

The are a couple different ways to compare rate quotes from car insurance companies in your area. The best way to find the lowest Kia Soul rates is to perform an online rate comparison. This can be done in several different ways.

  • The best way consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This type of form prevents you from having to do multiple quote forms for each company. Filling out one form compares rates from car insurance companies with the best prices.It’s the quickest way to get rates.
  • A harder way to compare prices is to take the time to go to the website of each company and request a quote. For instance, we’ll pretend you want to compare rates from Progressive, Liberty Mutual and Allstate. You would have to take the time to go to each site to enter your coverage information, which is why the first method is more popular. To view a list of companies in your area, click here.

It’s up to you which method you use, but make darn sure you compare apples-to-apples coverages and limits for every quote you compare. If you compare different values for each quote it will be next to impossible to make a fair comparison for your Kia Soul. Slightly different limits may cause a big price difference. Just remember that comparing more company’s prices will enable you to find a lower rate.

The car insurance bait and switch

Car insurance providers like GEICO, State Farm and Progressive constantly bombard you with television and radio advertisements. They all have a common claim about savings if you switch to them. How do they all make almost identical claims? This is how they do it.

All companies can use profiling for the type of customer that is profitable for them. For example, a profitable customer could possibly be a mature driver, insures multiple vehicles, and has excellent credit. A customer getting a price quote that hits that “sweet spot” will get the preferred rates and therefore will save when they switch companies.

Potential customers who fall outside this ideal profile will have to pay more money and ends up with business going elsewhere. Company advertisements say “customers who switch” not “everybody who quotes” save that much. This is how insurance companies can advertise the way they do.

Because of the profiling, drivers must compare as many rates as you can. You cannot predict which insurance companies will have the lowest rates.

How much can you save with these nine discounts?

Car insurance can cost a lot, buy you may qualify for discounts to help bring down the price. Most are applied at the time you complete a quote, but a few must be specially asked for prior to getting the savings.

  • Government Employees – Employees or retirees of the government may qualify you for a discount for Soul coverage depending on your company.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • Passive Restraint Discount – Cars that have air bags may earn rate discounts of more than 20%.
  • Drivers Education – Require your teen driver to take driver’s ed class if offered at their school.
  • No Claims – Drivers with accident-free driving histories pay less when compared with accident-prone drivers.
  • Clubs and Organizations – Participating in a civic or occupational organization is a good way to get lower rates when buying car insurance for Soul coverage.
  • Homeowners Pay Less – Owning a home may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • 55 and Retired – Mature drivers may receive a small decrease in premiums for Soul coverage.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.

It’s important to note that many deductions do not apply to your bottom line cost. Most cut individual premiums such as collision or personal injury protection. So when the math indicates you could get a free car insurance policy, companies don’t profit that way. But any discount will help reduce your overall premium however.

For a list of providers who offer car insurance discounts, click this link.

Detailed coverages of your car insurance policy

Learning about specific coverages of your car insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. auto insurance

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually these coverages are identical to your policy’s liability coverage.

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as scraping a guard rail, hitting a mailbox, sustaining damage from a pot hole, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as ambulance fees, rehabilitation expenses, doctor visits and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive car insurance

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hail damage, damage from getting keyed, hitting a deer, a broken windshield and falling objects. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability car insurance

cheapest Soul insurance

Liability insurance protects you from damage or injury you incur to other people or property by causing an accident. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like repair costs for stationary objects, attorney fees, pain and suffering and medical expenses. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Compare but don’t skimp

Affordable Kia Soul insurance is available on the web and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

People change insurance companies for many reasons like being labeled a high risk driver, extreme rates for teen drivers, questionable increases in premium and even delays in paying claims. Regardless of your reason for switching companies, finding a new company is not as difficult as it may seem.

We just covered some good ideas how to get a better price on Kia Soul insurance. The key concept to understand is the more companies you get rates for, the better your comparison will be. Consumers could even find that the biggest savings come from the least-expected company.