2011 Kia Soul Insurance Quotes

Did you make the mistake of buying overpriced auto insurance? Believe me when I say many drivers feel the same as you.

Many car insurance companies vie for your hard-earned dollar, so it’s not easy to compare every insurance company to find the cheapest price

It’s a great practice to shop coverage around before your policy renews due to the fact that insurance prices are rarely the same from one policy term to another. Just because you found the best rate on Soul insurance on your last policy the chances are good that you can find a lower premium rate today. Block out anything you think you know about auto insurance because you’re about to find out the proper way to reduce your cost while improving coverage.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using these tips. Choosing the best insurance company for you is easy if you know what you’re doing. Nevertheless, drivers benefit from understanding how insurance companies sell online and take advantage of how the system works.

Lower rate quotes with these insurance coverage discounts

The cost of insuring your cars can be expensive, but you might already qualify for some discounts to help offset the cost. Certain discounts will be applied when you complete an application, but occassionally some discounts must be requested specifically prior to getting the savings.

• Multiple Vehicles – Buying insurance for all your vehicles with one company can reduce rates for all insured vehicles.
• Defensive Driver – Passing a defensive driver class is a good idea and can lower rates and also improve your driving technique.
• Driver’s Education for Students – Require your teen driver to enroll in driver’s education if offered at their school.
• College Student Discount – Any of your kids who live away from home to go to college and do not take a car to college may qualify for this discount.
• New Car Discount – Adding a new car to your policy can get you a discount due to better safety requirements for new model year vehicles.
• E-sign Discounts

It’s important to understand that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though the math looks like having all the discounts means you get insurance for free, it’s just not the way it works.

Companies and a selection of discounts can be read below.

• State Farm offers discounts for multiple autos, driver’s education, defensive driving training, multiple policy, Steer Clear safe driver discount, Drive Safe & Save, and student away at school.
• Geico has savings for federal employee, five-year accident-free, driver training, anti-lock brakes, multi-policy, and membership and employees.
• Allstate may have discounts that include economy car, good payer, anti-theft, teenSMART discount, premier plus, new car, and auto/life discount.
• SAFECO may include discounts for anti-lock brakes, multi-car, teen safe driver, homeowner, drive less, teen safety rewards, and anti-theft.
• Farm Bureau discounts include driver training, good student, youthful driver, safe driver, multi-policy, multi-vehicle, and renewal discount.
• Progressive offers premium reductions for online signing, multi-vehicle, online quote discount, homeowner, and good student.
• AAA offers discounts including good student, anti-theft, multi-policy, education and occupation, good driver, AAA membership discount, and pay-in-full.

Check with each insurance company how many discounts you can get. Discounts may not be offered in your area. To find insurance coverage companies who offer insurance coverage discounts, click here.

Compare insurance coverage price quotes

To find the best insurance coverage prices, there are several ways of comparing rate quotes from many available insurance coverage companies in your state. The best way to find the cheapest Kia Soul insurance rates is to perform an online rate comparison. It’s really quite simple and can be done in a couple of different ways.

• Probably the best way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This easy form eliminates the need for repetitive form entry for each company you want a rate for. A single, simple form gets rate comparisons instantly.
• A slightly less efficient method to compare rate quotes requires visiting the website for each individual company and get a separate price quote. For instance, we’ll pretend you want to view quotes from USAA, State Farm and Geico. You would be required to navigate to each company’s site to input your insurance information, which can get rather old. To view a list of companies in your area, click here.
• The last way of comparing rate quotes is to waste gas driving to each insurance agency near you. The ability to buy insurance online has made agencies unnecessary unless you prefer the advice and guidance that you can only get from talking to an agent. If you prefer, some companies allow you to get the lowest quotes online but have your policy serviced through an agent.

However you get your quotes, ensure you are comparing the exact same information for every company. If your comparisons have different liability limits it will be nearly impossible to decipher which rate is best. Having just a slight variation in insurance coverages could throw off the whole comparison. Keep in mind that comparing a wide range of rates helps you find the best price.

Four factors that affect insurance costs

An important part of buying insurance is that you know a few of the rating criteria that are used to determine your insurance coverage rates. If you have a feel for what influences your rates, this enables informed choices that will entitle you to better insurance coverage rates. Multiple criteria are used when quoting car insurance. Most are fairly basic like your driving record, but other factors are more obscure such as your credit history or your commute time.

The following are some of the major factors companies use to determine prices.

• Bundle and save – Most major insurance companies give better rates for people that purchase more than one policy, otherwise known as a multi-policy discount. Discounts can be as much as ten percent or more If you currently are using one company, it’s always a smart idea to get quotes from other companies to help guarantee you have the best rates. It’s possible to still save money by splitting coverages up.
• Pay less with a high IIHS safety rating – Cars with high safety ratings can get you lower premiums. The safest vehicles reduce the chance of injuries and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders. If your Kia Soul is rated at least four stars on Safercar.gov it may cost less to insure.
• Having a spouse can save you money – Having a wife or husband can actually save you money when buying insurance coverage. It demonstrates that you tend to be more mature and insurance companies reward insureds because married drivers get in fewer accidents.
• Prevent theft and save – Choosing a vehicle with an alarm system can get you a discount on your insurance coverage. Anti-theft devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping your vehicle from being stolen.

Insurance coverage can get complicated

When buying the best insurance coverage coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. For example, these questions might help in determining if you might need professional guidance.

• Does my policy pay for OEM or aftermarket parts?
• How high should my medical payments coverage be?
• Are rental cars covered under my policy?
• Is my trailer covered?
• Should I waive the damage coverage when renting a car?
• Am I covered if I break a side mirror?
• How much liability insurance is required?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

The coverage is in the details

Understanding the coverages of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.

Collision coverages – Collision insurance will pay to fix damage to your Soul resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as hitting a mailbox, sideswiping another vehicle, crashing into a building, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for liability – Liability insurance protects you from damage that occurs to a person or their property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as repair costs for stationary objects, court costs, loss of income, pain and suffering and legal defense fees. How much coverage you buy is up to you, but consider buying higher limits if possible.

Comprehensive (Other than Collision) – This covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from flooding, a tree branch falling on your vehicle, vandalism, hitting a bird and damage from getting keyed. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your 2011 Kia Soul.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for bills such as surgery, nursing services, hospital visits and pain medications. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Quote more, save more

Cheaper auto insurance can be bought both online and from local agencies, so you need to quote insurance coverage with both to have the best selection. Some insurance providers may not offer rates over the internet and most of the time these smaller providers prefer to sell through independent agents.

We covered quite a bit of information on how to save on 2011 Kia Soul insurance. The key thing to remember is the more rate quotes you have, the better your comparison will be. Consumers could even find that the best price on auto insurance is with some of the lesser-known companies. Some small companies can often provide lower prices in certain areas than the large multi-state companies such as Allstate, Geico and Progressive.

Helpful information

• Auto Theft Statistics (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• Get the Right Protection (InsureUonline.org)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)