2016 Kia Soul Car Insurance Cost – 9 Ways to Save

Pretty sure you bought an overpriced car insurance policy? You’re preaching to the choir because many consumers are in the same pinch.

There are many auto insurance companies to choose from, and though it is a good thing to have multiple companies, it makes it harder to compare company pricing.

The purpose of this article is to help you learn how to get online quotes and some tricks to saving. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this information. Although car owners must learn the way insurance companies determine prices.

Low cost auto insurance

When comparison shopping, there are several ways of comparing price quotes from companies that offer auto insurance in your state. The fastest way to find cheaper 2016 Kia Soul rates is to use the internet to compare rates. This can be done in just a few minutes using one of these methods.

• Without a doubt, the easiest way to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This quick form saves time by eliminating separate forms to each individual auto insurance company. One form submission compares rates from several companies.
• A more time consuming way to obtain and compare quotes online requires you to visit the website for each individual company and repeat the quote process again and again. For sake of this example, we’ll assume you want to view quotes from Geico, Liberty Mutual and State Farm. In order to get each rate, you would have to go to each individual site to enter your coverage information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
• If you have time to kill, the last method to do your price quoting is driving to local insurance agencies. Doing it all online reduces the need to sit down with an agent unless you prefer the professional advice that can only be provided by a licensed insurance agent. However, consumers can compare online quotes and get advice from an agent in your area.

Compare rates however you want, just ensure you’re using the exact same coverages and limits on every quote. If you compare different coverage information then you won’t be able to determine the best price for your Kia Soul. Even a minor difference in insurance coverages may result in large price differences. Just remember that getting more free quotes increases your odds of finding lower pricing. Not every company provides online rate quotes, so it’s important to also get price estimates from them, too.

Insurance coverage discounts help slash rates

Companies offering auto insurance don’t always advertise the complete list of policy discounts in a way that’s easy to find, so the below list has both the well known in addition to some of the lesser obvious discounts that may be available.

• Waiver for an Accident – but some companies like Libery Mutual, Geico and Allstate will allow you to have one accident before they charge you more for coverage if your claims history is clear before the accident.
• Telematics Discount – Drivers who agree to allow their company to monitor driving habits by using a telematics device such as Progressive’s Snapshot might see lower rates if they have good driving habits.
• Student Discounts – Excelling in school could provide a savings of up to 20% or more. Many companies even apply the discount to college students up until you turn 25.
• Government Employee Discount – Having worked for a branch of the government may qualify for a discount when you quote car insurance for Soul coverage but check with your company.
• Theft Deterent System – Cars with anti-theft systems are stolen less frequently so companies will give you a small discount.
• Pay Now and Pay Less – If you pay your bill all at once as opposed to paying monthly you can avoid monthly service charges.
• Defensive Driver Discount – Taking time to complete a course in defensive driver is a good idea and can lower rates if your company offers it.
• Active Military Service – Having a family member in the military could mean lower prices.
• Discount for Swiching Early – Some insurance coverage companies give discounts for renewing your policy prior to your current policy expiration. You can save around 10% with this discount.

Don’t be surprised that most discounts do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

Car insurance companies who might offer most of the discounts above include:

• State Farm
• Geico
• Allstate
• SAFECO
• Farm Bureau
• Progressive
• AAA

If you want inexpensive car insurance quotes, ask every prospective company which discounts they offer. All car insurance discounts might not be offered on policies in every state. To locate insurers who offer cheap insurance coverage quotes, click here.

Which is the best auto insurance?

When it comes to buying the best auto insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions might point out whether or not you will benefit from professional help.

• Do I pay less if my vehicle is kept in my garage?
• How high should my medical payments coverage be?
• Do I need replacement cost coverage on my 2016 Kia Soul?
• Is rental equipment covered for theft or damage?
• I have a DUI can I still get coverage?
• Can I rent a car in Mexico?
• Can I afford low physical damage deductibles?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance coverage specifics

Having a good grasp of your auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages found on most auto insurance policies.

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

Collision insurance covers things such as crashing into a ditch, colliding with another moving vehicle, backing into a parked car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually these limits are similar to your liability insurance amounts.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like nursing services, rehabilitation expenses, surgery and hospital visits. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability coverages – Liability coverage protects you from damage that occurs to other people or property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things like repair bills for other people’s vehicles, repair costs for stationary objects and bail bonds. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Comprehensive protection – This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from getting keyed, damage from flooding, a tree branch falling on your vehicle, damage from a tornado or hurricane and hail damage. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

More comparisons equals lower rates

Affordable 2016 Kia Soul insurance can be bought both online as well as from insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some car insurance companies don’t offer the ability to get a quote online and usually these regional carriers prefer to sell through independent insurance agents.

We’ve covered many tips how you can lower your 2016 Kia Soul insurance auto insurance rates. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting inexpensive car insurance. Consumers may even find the lowest priced car insurance comes from the smaller companies. They may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.

While you’re price shopping online, you should never buy less coverage just to save a little money. There are many occasions where consumers will sacrifice collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage at the best cost while not skimping on critical coverages.

Other information

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Auto Insurance Basics (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Collision Coverage (Liberty Mutual)