There are many options when looking for the best insurance on your Kia vehicle. You can either contact an insurance agent or get quotes online to compare rates from many different companies. Buying auto insurance from online companies saves time, is easy to do and there is a good chance you may find lower rates.
Shopping online for auto insurance can be a challenge if you are a beginner to online rate quotes. But relax because we're going to show you how. Cutting your Soul insurance cost is actually quite simple. All that's required is to take a couple of minutes to compare quotes online from several insurance companies. This can be accomplished by comparing rates here.
Insurance premiums paid to insure a Kia Soul will vary greatly and are calculated by many factors. Some of these factors include:
One important consideration that helps determine your rates is the age of the vehicle. Newer models cost more compared to older Kia models so the costs to repair will push premiums up. Conversely, new Kia models have more advanced features such as forward-collision avoidance, automatic crash notification, and tire pressure monitors so those may lower rates.
To get a better idea how much rates will be for your vehicle, select the year of your Soul below.
This provides protection from damage that occurs to a person or their property in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as much as you can afford.
Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to bring the cost down.
This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.
Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. PIP coverage is not universally available and gives slightly broader coverage than med pay.
How Much are Kia Soul Insurance Rates?