2012 Kia Soul Car Insurance Rates

Searching for low-cost insurance for a Kia Soul could be a lot of work, but you can follow these tips and make it easy. There is a right way and a wrong way to find insurance coverage online so we’re going to tell you the quickest way to compare rates for a Kia and obtain the best price possible.

Finding affordable coverage is quite easy. If you have a policy now or need new coverage, you can use this information to find better prices while maintaining coverages. Drivers just need to learn the best way to buy insurance coverage over the internet.

The method we recommend to compare car insurance company rates is to realize most larger insurance companies actually pay money for the chance to quote your coverage. All you need to do is provide the companies a bit of rating information including your education level, your credit rating estimate, if you’re married, and if you have a valid license. Your details is instantly sent to multiple companies and they return cost estimate instantly.

To start a rate quote now, click here and enter your coverage details.

Are you receiving every discount?

Companies do not advertise every discount very clearly, so we took the time to find a few of the more common and also the more inconspicuous credits that you can use to lower your rates.

• Driving Data Discount – Drivers that enable companies to monitor where and when they drive by using a telematics device in their vehicle such as State Farm’s In-Drive might see lower rates if their driving habits are good.
• Drive Less and Save – Low mileage vehicles may enable drivers to earn lower prices due to less chance of an accident.
• E-sign – Many insurance companies provide a small discount for buying your policy on the internet.
• Federal Employees – Employees or retirees of the government may reduce rates when you quote insurance coverage on Soul coverage but check with your company.
• Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
• Claim-Free Discount – Claim-free drivers are rewarded with significantly better rates on insurance coverage quote as compared to drivers with a long claim history.

As is typical with insurance, most of the big mark downs will not be given the the whole policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, insurance companies wouldn’t stay in business. Any amount of discount should help reduce your policy premium.

To view providers offering insurance discounts, follow this link.

When in doubt talk to an agent

When it comes to choosing the right insurance coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine whether or not you might need professional guidance.

• Is pleasure use cheaper than using my 2012 Kia Soul to commute?
• Will my insurance pay for OEM parts?
• How can I force my company to pay a claim?
• Should I rate my 2012 Kia Soul as pleasure use or commute?
• Am I covered if hit by an uninsured driver?
• Do I need replacement cost coverage?
• What if I total my 2012 Kia Soul and owe more than it’s worth?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an 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.

How insurance companies calculate Kia Soul insurance rates

Smart consumers have a good feel for the rating factors that come into play when calculating the level of your policy premiums. If you have a feel for what impacts premium levels, this enables informed choices that may result in cheaper rates.

The items below are some of the major factors used by insurance companies to determine prices.

• Policy add-ons could be costing you – There are a lot of additional extra coverages that can add up if you don’t pay attention. Insurance for things like replacement cost coverage, towing, and membership fees are examples of these. They may sound like good ideas when discussing your needs, but if they’re wasting money consider taking them off your policy.
• Employer stress can affect insurance coverage rates – Did you know your insurance coverage rates can be affected by your occupation? Occupations like lawyers, architects and dentists tend to pay the highest average rates due to stressful work requirements and lots of time spent away from family. Other occupations like farmers, engineers and performers generally pay rates lower than average on Soul coverage.
• Your address can impact prices – Being located in less populated areas of the country may provide you with better prices when trying to find low car insurance rates. Fewer drivers translates into fewer accidents in addition to fewer liability claims. People who live in big cities have to deal with traffic congestion and higher rates of accident claims. More time behind the wheel means more chance of being in an accident.
• Discounts for alarms and GPS tracking – Purchasing a vehicle with a theft deterrent system can get you a discount on your insurance coverage. Anti-theft devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop your vehicle from being stolen.
• Having a spouse can lower prices – Having a spouse can actually save you money compared to being single. Having a spouse translates into being more mature and insurance companies reward insureds because being married results in fewer claims.
• Tickets and citations cost more than a fine – Whether or not you get tickets has a big impact on rates. Careful drivers pay less for auto insurance as compared to careless drivers. Having just one ticket can bump up the cost by as much as twenty percent. Drivers with serious tickets such as DUI, reckless driving or excessive speeding may be required to complete a SR-22 with their state in order to prevent their license from being revoked.

Will you really save $407 on insurance coverage?

Drivers can’t escape the ads that promise big savings from the likes of Allstate, Geico and Progressive. They all say the same thing that drivers can save some big amount if you change your coverage to them.

How can each company offer drivers better rates? It’s all in how they say it.

Different companies look for specific characteristics for the type of driver that will be a good risk. For instance, this type of driver could possibly be a female over age 40, has no tickets, and has great credit. Any driver who meets those qualifications will get the preferred rates and will most likely save when switching.

People who fall outside those standards will be charged higher premiums which leads to the prospect going elsewhere. The trick is to say “drivers that switch” but not “all drivers who get quotes” save the amount stated. That’s the way insurance companies can advertise the savings. Because of these techniques, you really should get as many free insurance coverage quotes as possible. It’s just not possible to know which insurance coverage company will have the lowest car insurance rates for your situation.

Coverages available on your insurance policy

Knowing the specifics of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

Comprehensive insurance 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 can pay for claims such as hail damage, a broken windshield and hitting a deer. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Kia Soul.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for collisions

This will pay to fix damage to your Soul resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like damaging your car on a curb, backing into a parked car, crashing into a ditch, hitting a mailbox and crashing into a building. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Medical costs insurance

Med pay and PIP coverage provide coverage for expenses for things like doctor visits, rehabilitation expenses, hospital visits, dental work and X-ray expenses. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability

Liability insurance can cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

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. You commonly see limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as medical services, attorney fees, bail bonds and legal defense fees. How much coverage you buy is up to you, but consider buying as much as you can afford.

A penny saved is a penny earned

As you shop your coverage around, never reduce needed coverages to save money. In many instances, an insured cut liability limits or collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at the best price while still protecting your assets.

People change insurance companies for a variety of reasons including policy non-renewal, unfair underwriting practices, lack of trust in their agent and even being labeled a high risk driver. Regardless of your reason, finding the right car insurance provider is actually quite simple.

Lower-priced car insurance can be sourced online in addition to many insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some car insurance companies don’t offer internet price quotes and usually these regional carriers sell through local independent agents.

More tips and info about car insurance is located in these articles:

• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)
• Drunk Driving Statistics (Insurance Information Insitute)
• Teen Driver Statistics (Insurance Information Insitute)