Looking for better car insurance rates for your Kia Soul EV? Scraping up a payment for expensive Kia Soul EV insurance can diminish your savings and put a big crunch on your finances. Consumers have many auto insurance companies to choose from, and though it is a good thing to have a selection, it makes it harder to compare rates.
Choosing the best insurance company for you is not rocket science. If you currently have a car insurance policy, you should be able to save some money using this information. Drivers just need to learn the best way to shop for car insurance over the internet.
Some insurance providers don’t list the complete list of policy discounts in an easy-to-find place, so we took the time to find a few of the more well known and the harder-to-find discounts that may be available.
Discounts reduce rates, but you should keep in mind that many deductions do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, nobody gets a free ride.
If you would like to view insurance companies that offer some of these discounts, click here to view.
When it comes to buying the right insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions can help discover whether your personal situation may require specific advice.
If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, free and you can get the answers you need.
Knowing the specifics of your policy can help you determine the best coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most car insurance policies.
This can cover injuries or damage you cause to other people or property that is your fault. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.
Liability coverage protects against claims like loss of income, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.
This will pay to fix damage to your Soul EV from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for claims such as sustaining damage from a pot hole, crashing into a ditch, colliding with another moving vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage kick in for bills like dental work, EMT expenses, rehabilitation expenses, pain medications and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay
This coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your 2016 Kia Soul EV.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.
Comprehensive or Other Than Collision
Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like hail damage, a tree branch falling on your vehicle, vandalism, damage from flooding and theft. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Cheaper 2016 Kia Soul EV insurance is possible from both online companies in addition to many insurance agents, and you should compare rates from both to have the best rate selection. There are still a few companies who may not offer rates over the internet and many times these small, regional companies sell through local independent agents.
When trying to cut insurance costs, never reduce needed coverages to save money. There have been many cases where drivers have reduced collision coverage only to find out that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at the best price, not the least amount of coverage.
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