2013 Kia Soul Car Insurance Quotes

Did a good deal turn out to be high-priced insurance coverage? Trust us, many consumers feel financially strained by their insurance coverage policy.

There are many insurers to insure vehicles with, and although it’s nice to have a selection, too many choices makes it more difficult to find the best rates for your vehicles.

Finding affordable coverage is quite easy. If you currently have a car insurance policy, you should be able to lower your premiums substantially using these tips. But drivers do need to learn how big insurance companies determine prices and use this information to your advantage.

Cheaper insurance coverage quotes with discounts

Auto insurance companies do not list all their discounts in an easy-to-find place, so the list below contains both well-publicized as well as the least known savings tricks you should be using when you buy auto insurance online.

  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off for Soul coverage depending on your insurance coverage provider.
  • Defensive Driver – Taking time to complete a safe driver course could possibly earn you a 5% discount and also improve your driving technique.
  • Paperless Signup – Certain insurance coverage companies give back up to $50 for signing up on the web.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you may earn up to 20% and get you inexpensive auto insurance.
  • Payment Method – By making one initial payment instead of paying each month you could save up to 5%.
  • Auto/Life Discount – If the company offers life insurance, you could get a discount if you purchase life insurance from them.
  • Low Mileage – Low annual miles could earn better prices on cars that stay parked.
  • Membership in Organizations – Belonging to a qualifying organization could trigger savings on your policy.
  • Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle up before driving can save up to 15% on the premium charged for medical payments and/or PIP.
  • Military Discounts – Having an actively deployed family member may lower your premium rates slightly.

Please keep in mind that most credits do not apply to your bottom line cost. Most cut the price of certain insurance coverages like comprehensive or collision. So even though you would think all those discounts means the company will pay you, you aren’t that lucky.

To choose companies that can offer you the previously mentioned discounts, click this link.

The quickest method we recommend to compare car insurance rates takes advantage of the fact most of the larger companies participate in a system to compare their rates. The only thing you need to do is give the companies some data including your education level, if you have a valid license, the make and model of your vehicles, and your general credit rating. The rating information gets transmitted to multiple top-rated companies and you receive quotes instantly.

To find lower rates now, click here and find out if lower rates are available.

Tailor your car insurance coverage to you

When it comes to buying coverage, there really is not a perfect coverage plan. Each situation is unique so your insurance should reflect that Here are some questions about coverages that may help highlight if you would benefit from professional advice.

  • When would I need rental car insurance?
  • Can I afford to buy a different vehicle if my 2013 Kia Soul is totaled?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my insurance cover a custom paint job?
  • Do I have coverage if my license is suspended?
  • Do I pay less for low miles?
  • Is my cargo covered for damage or theft?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Auto insurance coverage information

Learning about specific coverages of auto insurance aids in choosing appropriate coverage for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are the normal coverages offered by auto insurance companies.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like hospital visits, funeral costs and dental work. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision – Collision insurance pays for damage to your Soul resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like driving through your garage door, backing into a parked car, colliding with another moving vehicle, scraping a guard rail and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Kia Soul.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a broken windshield, rock chips in glass, hitting a bird and falling objects. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability – Liability coverage protects you from damage or injury you incur to other people or property by causing an accident. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

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. As an example, you may have liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things like repair bills for other people’s vehicles, medical services, court costs and structural damage. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Shop smart and save

When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. In too many instances, an accident victim reduced collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage at the best price, but don’t skip important coverages to save money.

We just presented some good ideas how you can get a better price on 2013 Kia Soul insurance. The key concept to understand is the more you quote auto insurance, the better your chances of lowering your car insurance rates. Drivers may discover the lowest rates come from a company that doesn’t do a lot of advertising. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and Geico.

Additional insurance information is located at the links below

Comments About 2013 Kia Soul Insurance

  1. Jessica Marshall

    Well-written and thought out article. Found cheapest coverage with Allstate for my Kia and saved about $180 a year. Have a couple speeding tickets too. Might find lower rates online.

  2. Saturnina Mayo

    I got decent rates for a 2013 Kia Soul in Davenport, Iowa. Ended up at darn near $330 every six months with AAA. Good savings if you bundle. It never hurts to quote around.

  3. Luvenia Webb

    I’ve had Allstate for years. I’m in Charlotte, NC.

  4. Josefina Huber

    I live in a small town just outside of Fairbanks, AK. Got rates from AAA, Erie, and Mercury for my Soul and saved around $540 a year. Insured with AIG Insurance before. Did it all online.

  5. Lindsey Ellison

    In Lincoln, NE, 21st Century is a good choice. Thankfully I have a good driving record. They have free quotes online.

  6. Shara Leon

    Hope my car insurance gets cheaper. I live east of Rochester, MN. Checked online prices for a 2013 Kia Soul. Ended up at about $500 savings annually. Went with State Farm. My new agent seems to be really good.

  7. Linsey Golden

    I’ve had 21st Century for years. I’m in Nampa, ID.

  8. Perla Davenport

    Can you buy custom paint coverage for a 2013 Kia Soul?

  9. Breanne Macdonald

    Proud to be from Los Angeles, California. Quoted with Hartford, Auto-Owners, Mercury, and a couple others for my Soul and am saving around $410 a year. Get lots of quotes to find the best rate.

  10. Linsey Lester

    If you’re around Missoula, MT try Allstate and GEICO and see which is cheaper.

  11. Lucille Rice

    Hope my car insurance gets cheaper. Live in Memphis, Tennessee. I quoted with Amica, Nationwide, and a few others for my Kia and I’m now saving $34 a month. Have a couple speeding tickets too. Just go online and compare their rates.

  12. Desiree Craft

    Is Allstate cheaper than GEICO in Rapid City, SD?

  13. Leigh Shepard

    From a town just southwest of Spokane, Washington. Quoted with AAA, Safeco, and Travelers for my Kia and saved $213 a year. I have kids on my policy, too. It was easy to get rates.