Save on 2014 Kia Soul Insurance Quotes

Finding cheaper insurance for your Kia Soul can be difficult, but you can learn the following methods to save time.

There are both good and bad ways to shop for insurance coverage and we’ll show you the absolute fastest way to quote coverages on a Kia and find the best price possible either online or from local insurance agents.

If you have a policy now or need a new policy, you can learn to get lower rates while maximizing coverage. Pricing affordable coverage is not that difficult. Consumers just need to understand how to compare rates online.

The fastest way that we advise to compare insurance rates from multiple companies is to realize most of the bigger providers participate in online systems to provide you with free rate quotes. To start a quote, the only thing you need to do is provide information like whether you have decent credit, if your license is active, whether you drive to work or school, and your job. That rating information gets sent immediately to many of the top insurers and they return cost estimate quickly.

To find lower rates now, click here and enter the information requested.

Lower rate quotes by receiving discounts

Car insurance companies don’t necessarily list every discount in a way that’s easy to find, so the below list has some of the best known as well as the least known discounts you could be receiving when you buy insurance online.

  • Early Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you may have a lower total premium amount.
  • E-sign Discounts
  • Own a Home and Save – Owning your own home or condo can save a few bucks because it requires personal responsibility.
  • Drivers Education – Teen drivers should sucessfully take a drivers education course in high school.
  • Discounts for New Vehicles – Adding a new car to your policy may earn a small discount because new model year vehicles keep occupants safer.
  • Seat Belts Save – Drivers who require all occupants to buckle up before driving can save 10% or more on the medical payments or PIP coverage costs.
  • No Accidents – Insureds who avoid accidents and claims have much lower rates in comparison with insureds who have frequent claims or accidents.
  • Anti-lock Brake System – Cars and trucks with ABS and/or traction control are much safer to drive so you can save 10 percent or more.
  • No Charge for an Accident – This isn’t a discount exactly, but a few companies such as State Farm and Geico allow you one accident before they charge you more for coverage if your claims history is clear for a particular time prior to the accident.
  • Professional Memberships – Belonging to a professional or civic organization may earn a discount on your policy.

It’s important to note that most credits do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you can get free auto insurance, you won’t be that lucky. Any qualifying discounts will reduce your insurance coverage premiums.

Larger insurance coverage companies and the discounts they provide are detailed below.

  • Progressive has savings for multi-policy, online signing, homeowner, good student, and online quote discount.
  • Geico may have discounts that include daytime running lights, anti-theft, military active duty, good student, federal employee, emergency military deployment, and anti-lock brakes.
  • State Farm has discounts for anti-theft, student away at school, good student, Steer Clear safe driver discount, passive restraint, Drive Safe & Save, and defensive driving training.
  • Esurance discounts include safety device, Pac-12 alumni, renters, anti-lock brakes, multi-car, and online shopper.
  • The Hartford includes discounts for bundle, good student, air bag, driver training, and vehicle fuel type.

Before purchasing a policy, check with each insurance company to give you their best rates. Savings may not be available in your area. To choose insurance coverage companies who offer cheap insurance coverage quotes, click here.

Smart consumers can slash their insurance rates

Part of the auto insurance buying process is learning some of the factors that go into determining the level of your policy premiums. When consumers understand what impacts premium levels, this allows you to make educated decisions that could result in cheaper rates.

The list below includes some of the most rate-impacting factors used by companies to determine your rate level.

  • Auto insurance policy lapses increase rates – Not maintaining insurance is a big no-no and you may have a hard time finding new coverage because you let your coverage lapse. In addition to paying higher rates, failure to provide proof of insurance will get you a license revocation or jail time. You may need to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Put fewer miles on your vehicle – The higher the miles on your Kia each year the more you’ll pay to insure your vehicle. A lot of insurance companies price each vehicle’s coverage based on their usage. Vehicles that are left in the garage can be on a lower rate level compared to those used for work or business. Incorrect rating for your Soul can cost quite a bit. Verify your policy is showing the right rating data.
  • Good drivers pay better prices – Drivers with clean records have lower premiums as compared to those with violations. Having just one driving citation can increase the cost of insurance twenty percent or more. Drivers who have received license-revoking violations like reckless driving or DUI may find that they have to to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to legally drive a vehicle.
  • When should you not file a policy claims? – If you’re an insured who likes to file claims you shouldn’t be surprised to get higher premiums or even policy non-renewal. Companies award most affordable rates to insureds who file claims infrequently. Your car insurance is meant to be used in the event of more catestrophic claims.

Your auto insurance coverage should be tailored to you

When choosing coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining whether your personal situation will benefit from professional help.

  • Can my teen drive my company car?
  • Am I covered when driving on a suspended license?
  • Will my rates increase for filing one claim?
  • Does my personal policy cover me when driving out-of-state?
  • Am I insured when driving a different vehicle?
  • When should I remove comp and collision on my 2014 Kia Soul?
  • Does my car insurance cover rental cars?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Specific coverages for a 2014 Kia Soul

Understanding the coverages of insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for collisions

Collision coverage covers damage to your Soul resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with a tree, hitting a parking meter, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for EMT expenses, nursing services and hospital visits. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a broken windshield, damage from flooding, damage from getting keyed, rock chips in glass and falling objects. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your 2014 Kia Soul.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Liability auto insurance

Liability insurance will cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as repair bills for other people’s vehicles, legal defense fees, bail bonds and funeral expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

A penny earned…

We covered some good ideas how to save on 2014 Kia Soul insurance. The key concept to understand is the more rate quotes you have, the better likelihood of getting low cost insurance. Consumers may even find the best premium rates are with an unexpected company.

Drivers who switch companies do it for any number of reasons including unfair underwriting practices, high rates after DUI convictions, questionable increases in premium and poor customer service. It doesn’t matter why you want to switch choosing a new company is not as hard as you think.

When shopping online for auto insurance, it’s not a good idea to buy poor coverage just to save money. Too many times, an insured dropped liability limits or collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your objective should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

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Comments About 2014 Kia Soul Insurance

  1. Jessie Baird

    Live in the eastern part of Bridgeport, CT. Don’t remember every company but I ended up saving about $50 each month.

  2. Georgianne Calderon

    I got quite a few price quotes for a 2014 Kia Soul in Los Angeles, CA. Ended up at darn near $140 every six months with Auto-Owners.

  3. Wanda Dejesus

    Like your site, BTW. From Jacksonville, Florida. Compared quite a few companies. Saved roughly $50 a month. 21st Century was the best choice for me. Was with Hanover.

  4. Olga Henderson

    I found affordable 2014 Kia Soul insurance from Progressive in Eugene, OR.

  5. Loretta Powell

    Nice post. From south side of New Haven, CT. Not sure of all the companies but I ended up saving about $50 each month. I have kids on my policy, too. I used their online quote form to compare rates.

  6. Honey Cochran

    Got pretty cheap 2014 Kia Soul insurance from Progressive in Des Moines, Iowa.

  7. Lynetta Washington

    Mine is so expensive. I live in a small town just outside of Phoenix, AZ. Quoted prices online for a 2014 Kia Soul. Ended up at about $150 savings annually. Went with GEICO. Left Safeco to switch. I got a quote from their website.

  8. Enda Noel

    Does GEICO have low rates for teen drivers?

  9. Stephenie Nicholson

    I switched to 21st Century. Quoted good rates in Columbus, OH. Insured with Western Auto Insurance before. Bought it from an online quote.

  10. Melida Suarez

    Is State Farm cheaper than Amica in Mobile, Alabama?