Save on 2013 Kia Soul Car Insurance Quotes

No one in their right mind looks forward to paying for insurance, especially knowing the cost is way too high.

Because there are so many companies to choose from, it’s difficult to choose the lowest cost car insurance company.

You should take the time to shop coverage around on a regular basis since rates trend upward over time. Even if you got the best deal for Soul insurance a year ago other companies may now be cheaper. So just forget anything you know (or think you know) about insurance because I’m going to teach you the only way to remove unneeded coverages and save money.

Choosing the best insurance company for you is quite easy. Just about every vehicle owner who shops for auto insurance will be able to reduce their rates. Nevertheless, vehicle owners need to have an understanding of how insurance companies price online insurance.

Kia Soul insurance rates have many determining factors

Smart consumers have a good feel for the factors that come into play when calculating the rates you pay for insurance coverage. Knowing what determines base rates empowers consumers to make smart changes that can help you get lower insurance coverage prices.

  • Your job and insurance rates – Jobs such as doctors, social workers and accountants are shown to have higher rates than average in part from high stress and lots of time spent at work. On the flip side, professions such as pilots, athletes and the unemployed pay the least for Soul insurance.
  • Don’t let your coverage lapse – Driving your car without having proper coverage is illegal and as a result your rates will increase for letting your insurance lapse. And not only will insurance be more expensive, but not being able to provide proof of insurance will get you a steep fine or even jail time.
  • Don’t buy coverages you don’t need – There are a lot of extra bells and whistles you can purchase on your insurance coverage policy. Things like vanishing deductibles, better glass coverage and motor club memberships may be costing you every month. They may seem good initially, but if you don’t need them remove them from your policy.
  • Multi-policy discounts can save money – The majority of companies will give a discount to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even with this discount, you may still want to shop around to confirm you are receiving the best rates possible.
  • Small claims can cost you – Companies give discounts to people who do not file claims often. If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for larger claims.
  • Lower rates with optional equipment – Purchasing a vehicle with a theft deterrent system can save you a little every year. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.

How to Compare Auto Insurance

Shopping for lower auto insurance rates can be exhausting if you don’t understand the best way to get rate quotes. You could spend the better part of a day discussing policy coverages with agents in your area, or you could use the internet to get rates in a matter of minutes.

Most major companies participate in an industry program where insurance shoppers submit one quote, and each company can provide price quotes based on the submitted data. This system prevents you from having to do quotation requests for every auto insurance company. To compare 2013 Kia Soul rates using this form now click here to start a free quote.

The single downside to comparing rates this way is you cannot specify the insurers you want to price. If you would rather choose specific insurance companies for rate comparison, we have a listing of auto insurance companies in your area. Click to view list.

Whichever method you choose, ensure you’re using identical coverages for every quote you compare. If the quotes have different limits and deductibles on each one then you won’t be able to truly determine the lowest rate. Quoting even small variations in coverage limits can mean a large discrepancy in price. It’s important to know that having more price comparisons helps you find the best price.

The auto insurance bait and switch

Progressive, Geico, Allstate and State Farm consistently run ads in print and on television. All the companies say the same thing that you can save if you change your coverage to them. How does each company say the same thing?

All the different companies have a preferred profile for the type of customer they prefer to insure. For example, a desirable insured might be between 25 and 40, owns a home, and drives newer vehicles. A customer getting a price quote who fits that profile will qualify for the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who do not match these standards will be charged higher premiums and this can result in the customer not buying. The ad wording is “drivers who switch” not “everyone that quotes” save that much money. That is how insurance companies can confidently claim big savings. That is why drivers should compare as many rates as you can. Because you never know which auto insurance company will provide you with the cheapest Kia Soul insurance rates.

Cut your premium with discounts

Companies do not list every available discount very clearly, so we break down both well-publicized as well as the least known ways to save on insurance coverage.

  • Drivers Education – Have your child successfully complete driver’s ed class in high school.
  • Sign Early and Save – Some companies give discounts for switching policies before your current expiration date. It can save you around 10%.
  • Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you could save 5% or more.
  • E-sign – A few companies will give a small break just for signing your application on their website.
  • No Accidents – Good drivers with no accidents can save substantially as compared to bad drivers.

It’s important to note that some credits don’t apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, insurance coverage companies aren’t that generous.

Insurance companies who might offer these discounts are:

It’s a good idea to ask each insurance company what discounts are available to you. Some discounts might not be offered in every state.

What is the best insurance coverage?

When it comes to buying the right insurance coverage, there isn’t really a “perfect” insurance plan. Each situation is unique so your insurance needs to address that. For instance, these questions can help discover whether or not you would benefit from professional advice.

  • Should I put collision coverage on all my vehicles?
  • Should I drop comprehensive coverage on older vehicles?
  • What are the financial responsibility laws in my state?
  • Is motorclub coverage worth it?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I covered when using my vehicle for business?
  • When should I not file a claim?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Coverages available on your policy

Having a good grasp of your policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types offered by insurance companies.

Liability – Liability coverage provides protection from damage or injury you incur to other people or property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like repair costs for stationary objects, medical expenses, medical services and emergency aid. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Medical payments and PIP coverage – Med pay and PIP coverage pay for short-term medical expenses like X-ray expenses, surgery, hospital visits, dental work and funeral costs. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Kia Soul.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Comprehensive auto coverage – This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, rock chips in glass, damage from flooding and hitting a deer. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverages – This coverage covers damage to your Soul resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, backing into a parked car, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Online plus local equals savings

Lower-priced 2013 Kia Soul insurance is available online as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. A few companies don’t offer online quoting and these regional insurance providers work with independent agents.

When you buy insurance online, make sure you don’t buy poor coverage just to save money. There have been many cases where an accident victim reduced physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your strategy should be to find the BEST coverage at a price you can afford, not the least amount of coverage.

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