2015 Kia Soul EV Insurance Rates

Are you tired of scraping the payment together to insure your Kia every month? You have the same problem as the majority of other consumers.

Consumers have multiple car insurance companies to choose from, and although it’s a good thing to have a choice, having more auto insurance companies makes it harder to find the best rates for your vehicles.

Consumers should take time to do rate comparisons before your next renewal since rates are adjusted regularly by insurance companies. Just because you found the lowest rate on Soul EV insurance on your last policy you can probably find a lower rate today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the best methods to save money, get proper deductibles and limits, all at the lowest rate.

The purpose of this post is to help educate you on how to effectively get price quotes. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. Nevertheless, car owners must comprehend how companies sell online and take advantage of how the system works.

Low cost insurance prices

Most companies like Progressive, Allstate and GEICO make it easy to get price estimates directly from their websites. Comparing prices online can be done by anyone because it’s just a matter of typing in your coverage preferences on the page. When complete, the system pulls credit information and your driving record and returns a price based on the data you entered. Being able to quote online makes it simple to compare prices but the process of having to visit multiple sites and fill out multiple forms can get tiresome after awhile. But it’s also necessary to have as many quotes as possible in order to find the lowest insurance rates.

A better way to find lower prices is to use a quote form that gets prices from multiple companies. The form is fast, eliminates form submissions, and makes price shopping online much simpler. As soon as the form is sent, your coverage is rated and you can select any one of the returned quotes.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The entire process takes 15 minutes at the most and may save quite a bit of money.

If you want to get comparison pricing now, click here to open in new window and input your coverage information. If you currently have coverage, we recommend you input the coverage information identical to your current policy. This way, you will be getting a price comparison using the same coverage and limits.

You may need specialized insurance coverage coverage

When choosing the best insurance coverage coverage for your personal vehicles, there really is no best way to insure your cars. Each situation is unique and your policy should reflect that. For example, these questions might help in determining whether you may require specific advice.

  • Does insurance cover damages from a DUI accident?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need motorclub coverage?
  • Do I benefit by insuring my home with the same company?
  • Is my nanny covered when driving my vehicle?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my custom paint covered by insurance?
  • Do I need rental car coverage?
  • Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Car insurance coverage specifics

Having a good grasp of your policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types offered by car insurance companies.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Kia Soul EV.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for short-term medical expenses for things like pain medications, X-ray expenses, dental work and chiropractic care. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision – Collision coverage pays for damage to your Soul EV resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sustaining damage from a pot hole, backing into a parked car, hitting a parking meter, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Auto liability – Liability insurance provides protection from injuries or damage you cause to other people or property. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as medical services, pain and suffering, attorney fees and legal defense fees. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Comprehensive coverage – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as falling objects, rock chips in glass and vandalism. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Comments About 2015 Kia Soul EV Insurance

  1. Zane Fuller

    I compared a lot of rate quotes for a 2015 Kia Soul EV in Fayetteville, Arkansas. Ended up at roughly $290 every six months with American Family. Insured with AIG Insurance before. I recommend comparing lots of rates.

  2. Annetta King

    Why are claims settled so low?

  3. Rubye Whitley

    It all costs too much. Quoted with Sentry for my Soul EV and cut my rates about $130 a year.

  4. Colene Adams

    If you have a clean record and live near Jersey City, NJ, check out State Farm. They seem to be cheaper. I get a discount for insuring multiple vehicles. It’s still not cheap enough.

  5. Josue Hogan

    Just my two cents. I’m in the south part of Omaha, NE. I got free quotes with Hartford, AAA, Sentry, and a couple others for my 2015 Kia Soul EV and I’m now saving $15 a month. :P

  6. Buck Kent

    Live in the western part of Frederick, Maryland. Checked online prices for a 2015 Kia Soul EV. Ended up at about $340 savings annually. Went with Allstate. Highly recommended.

  7. Jannette Wong

    Good site, thanks. From northwest of Chesapeake, VA. Quoted with Liberty Mutual, AAA, Mercury, and a couple others for my Soul EV and saved $303 a year. Not sure about claim service.

  8. Maura Trujillo

    If you have a good history and live in the vicinity of Louisville, Kentucky, check out GEICO. You might get cheaper rates.

  9. Charlie Lara

    Just a quick comment on my experience. Live in the western part of Fairbanks, AK. Quoted with 21st Century, The General, and Farmers for my 2015 Kia Soul EV and I think I saved around $70 each month. Was with Sentry. A clean driving record helps.

  10. Latoria Cash

    Just a quick comment on my experience. I live in a small town just outside of Jacksonville, FL. Got rates from 21st Century, Auto-Owners, and Encompass for my 2015 Kia Soul EV and I’m now saving $39 a month. Not sure if rates are cheaper online or not.

  11. Clyde Ryan

    Where is cheaper car insurance? Live in the eastern part of Saint Louis, Missouri. Received quotes with AIG Insurance, Nationwide, and a few others for my 2015 Kia Soul EV and I think I saved about $50 each month. Was with Esurance. Just waiting to see how claims go.

  12. Shannon Solomon

    Any claims experience with Progressive in Grand Rapids, MI?

  13. Lolita Nielsen

    From a town just southwest of Biloxi, Mississippi. Quoted prices online for a 2015 Kia Soul EV. Ended up at about $360 savings annually. Went with State Farm. Was with The General. Wish I didn’t have to insure at all.

  14. Alethia Mccoy

    Enjoyed the article. Lifelong resident of Newark, New Jersey. Compared quite a few companies. Saved about $20 a month. Allstate was the cheapest option for me. Not sure if rates are cheaper online or not.