Cheap 2016 Kia Soul Insurance Rates

Shoppers have options when shopping for low-cost Kia Soul insurance. You can either spend your time contacting agents to compare prices or leverage the internet to make rate comparisons.

There are more efficient ways to buy car insurance and we’ll show you the quickest way to compare rates for a new or used Kia and get the lowest possible price from both online companies and local agents.

You should take the time to get comparison quotes on a regular basis because car insurance prices change regularly. Just because you found the lowest price for Soul insurance a year ago you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because you’re about to learn one of the easiest ways to find great coverage at a great price.

If you are insured now or are looking for a new policy, you can use these tips to find the best rates and still get good coverage. This information will help you learn how car insurance quotes work. Drivers only need an understanding of the most effective way to compare company rates online.

Compare free insurance coverage quotes

There are a lot of ways to compare insurance coverage quotes, but some are less labor-intensive and much quicker. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you could use the internet to quickly compare rates.

All the larger companies belong to an insurance system that allows shoppers to submit their information once, and each participating company can provide price quotes based on that information. This saves time by eliminating repetitive form submissions to every company.

To find out what other companies charge click to open in new window.

The only downside to comparing rates this way is that you can’t choose which carriers you want pricing from. So if you prefer to choose individual companies to compare, we have assembled a list of insurance coverage companies in your area. Click to view list.

Which method you use is up to you, but try to keep apples-to-apples information on every price quote you get. If you use higher or lower deductibles it will be next to impossible to find the best deal for your Kia Soul.

Do you qualify for discount auto insurance?

Some providers do not list every discount they offer very well, so here is a list both the well known and also the lesser-known credits available to you.

  • Defensive Driving Course – Taking part in a course in driver safety is a good idea and can lower rates if your company offers it.
  • E-sign Discounts – A few insurance companies may give you up to $50 shop auto insurance on your computer.
  • Save with More Vehicles Insured – Insuring multiple cars with one company qualifies for this discount.
  • Policy Bundle Discount – When you combine your homeowners and auto insurance and place coverage with the same company you could save approximately 10% to 15%.
  • Driving Data Discount – Drivers who agree to allow driving data submission to study where and when they drive by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks as long as they are good drivers.
  • Theft Prevention Discount – Cars and trucks optioned with advanced anti-theft systems are stolen with less frequency and that can save you a little bit as well.
  • College Student Discount – College-age children living away from home attending college and won’t have access to an insured vehicle may qualify for this discount.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • Payment Method – If you can afford to pay the entire bill instead of monthly or quarterly installments you can avoid monthly service charges.

You should keep in mind that most discounts do not apply to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

A partial list of companies that may offer quotes with most of these discounts include:

If you need affordable auto insurance quotes, ask each company how you can save money. Depending on the company, some discounts might not apply in every state. To view providers that offer discounts, click here to view.

What insurance coverages do I need?

When choosing proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Every situation is different.

These are some specific questions can aid in determining whether your personal situation could use an agent’s help.

  • What is no-fault insurance?
  • If my 2016 Kia Soul is totaled, can I afford another vehicle?
  • Which companies will insure high-risk drivers?
  • What are the best liability limits?
  • What can I do if my company won’t pay a claim?
  • Is my teenager covered with friends in the car?
  • Does coverage extend to my business vehicle?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Should I waive the damage coverage when renting a car?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Get more affordable insurance prices by understanding these factors

Consumers need to have an understanding of a few of the rating criteria that aid in calculating the price you pay for insurance coverage. When you understand what determines premiums, this allows you to make good choices that can help you get cheaper rates.

  • Your career may increase premiums – Did you know your insurance coverage rates can be affected by your occupation? Occupations like real estate brokersair traffic controllers and emergency personnel usually pay the highest average rates in part from stressful work requirements and long work hours. Conversely, occupations like scientists, engineers and homemakers get better rates for Soul insurance.
  • Your gender affects premiums – Over the last 50 years, statistics have shown that females take fewer risks when driving. However, don’t assume that females are better drivers. Women and men have at-fault accidents at a similar rate, but guys cause more damage and cost insurance companies more money. Not only are claims higher, but men get cited for more serious violations like reckless driving and DUI. Youthful male drivers tend to get in the most accidents and therefore pay the highest rates.
  • High credit equals lower costs – Your credit score factor in determining your rates. If your credit history can use some improvement, you could pay less to insure your 2016 Kia Soul if you improve your credit rating. Drivers with very good credit scores tend to be better risks to insure than drivers with worse credit.
  • More people means more accidents – Choosing to live in areas with lower population is a positive aspect when shopping for auto insurance. Less people living in that area corresponds to lower accident rates as well as less vandalism and auto theft. People who live in big cities regularly have more traffic problems and much longer commute distances. More time on the road translates into higher accident risk.
  • Your spouse saves you money – Having a wife or husband helps lower the price on insurance coverage. Marriage means you’re more financially stable and statistics prove drivers who are married file infrequent claims.

Insurance coverage specifics

Learning about specific coverages of insurance can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Coverage for liability

Liability coverage protects you from injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

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 values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims such as court costs, loss of income, medical expenses, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage

This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like fire damage, rock chips in glass, a broken windshield, theft and hitting a bird. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses for things like hospital visits, dental work and nursing services. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Collision protection

This pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like scraping a guard rail, driving through your garage door, colliding with another moving vehicle, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Don’t throw your cash in the trash

Consumers who switch companies do it for any number of reasons including being labeled a high risk driver, an unsatisfactory settlement offer, high prices or even policy cancellation. No matter why you want to switch, finding a new company can be pretty painless.

When shopping online for auto insurance, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many cases, someone dropped liability coverage limits only to find out that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage for the lowest cost and still be able to protect your assets.

Budget-friendly auto insurance can be purchased from both online companies in addition to many insurance agents, and you should be comparing both to get a complete price analysis. There are still a few companies who may not have online quoting and most of the time these small, regional companies only sell through independent agents.

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