Cheap 2017 Kia Soul Car Insurance Cost

Saving money on Driverscar insurance is nearly impossible for people who have little experience buying insurance online. With dozens of online companies, it can quickly become more work than you anticipated to compare prices.

Consumers should take time to shop coverage around once or twice a year due to the fact that insurance prices change frequently. Just because you had the lowest rates for Soul insurance a few years ago there is a good chance you can find better rate quotes now. Block out anything you think you know about car insurance because you’re about to learn the quickest way to get good coverage at a lower rate.

This information will help educate you on how car insurance quotes work and some money-saving tips. If you currently have car insurance, you will most likely be able to cut costs considerably using this strategy. Nevertheless, car owners do need to understand how companies sell insurance online and apply this information to your search.

Compare insurance rate quotes online

When comparison shopping, there are several ways to obtain and compare prices from many available insurance companies in your state. The recommended way to find competitive Kia Soul insurance rates is simply to get online rate quotes. This can be done in several different ways.

1. The single most time-saving way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This form prevents you from having to do a different quote for each price estimate. A single, simple form will return quotes from all major companies.It’s the quickest way to get rates.
2. A slightly less efficient method to compare prices requires a visit to the website for every company you want to comare to request a price quote. For sake of this example, we’ll assume you need rates from Liberty Mutual, Safeco and Progressive. To do that, you would have to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular. To view a list of companies in your area, click here.
3. The old school way to get comparison rates is calling or driving to insurance agencies in your area. Quoting and buying insurance online reduces the need to sit down with an agent unless you’re the type of person who wants the trained guidance that can only be provided by a licensed insurance agent. Although, it is possible find lower rates online but have a local agent actually write the policy.

Whichever method you choose, do your best to enter the exact same coverage information for each comparison quote. If you enter different data you will not be able to determine the lowest rate for your Kia Soul. Quoting even small variations in insurance coverages could skew the results. And when price shopping your coverage, comparing a wide range of rates helps increase your odds of locating better pricing. Not every company provides price estimates online, so it’s necessary to compare quotes from them as well.

Do you qualify for discount insurance?

Car insurance companies don’t always advertise every discount in a way that’s easy to find, so we took the time to find both well-publicized as well as some of the hidden ways to save on insurance.

• E-sign – Certain insurance companies give back up to $50 simply for signing digitally online.
• Seat Belts Save – Drivers who require all vehicle occupants to use their safety belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Save with More Vehicles Insured – Insuring several vehicles with one company can reduce rates for all insured vehicles.
• Organization Discounts – Having an affiliation with qualifying clubs or civic groups may earn a discount on insurance.
• One Accident Forgiven – Not really a discount, but a few companies such as State Farm and Geico will let one accident slide without getting socked with a rate hike if you have no claims prior to being involved in the accident.
• Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems may qualify for discounts of 25 to 30%.
• Data Collection Discounts – Drivers who agree to allow their insurance company to study vehicle usage by using a telematics device in their vehicle such as Progressive’s Snapshot could see a rate decrease if they are good drivers.
• Responsible Driver Discount – Accident-free drivers could pay up to 40% less for Soul insurance than their less cautious counterparts.
• Full Payment Discount – If you pay your bill all at once instead of paying each month you can avoid the installment charge.
• Accident-Free Discounts – Drivers who stay claim-free can earn big discounts when compared with bad drivers.

Please keep in mind that most discount credits are not given to the entire policy premium. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So even though you would think having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

A list of companies and their offered discounts are outlined below.

• Progressive includes discounts for online quote discount, good student, homeowner, multi-policy, continuous coverage, online signing, and multi-vehicle.
• The Hartford may include discounts for defensive driver, bundle, good student, vehicle fuel type, and air bag.
• Mercury Insurance offers premium reductions for good driver, anti-theft, age of vehicle, good student, professional/association, and type of vehicle.
• Geico offers discounts including defensive driver, good student, five-year accident-free, daytime running lights, multi-vehicle, emergency military deployment, and driver training.
• AAA may offer discounts for pay-in-full, multi-car, anti-theft, good student, and multi-policy.
• State Farm policyholders can earn discounts including Steer Clear safe driver discount, passive restraint, accident-free, multiple autos, safe vehicle, and good driver.

Before you buy a policy, ask every prospective company which discounts can lower your rates. Some of the discounts discussed earlier may not be offered in every state.

What insurance coverages do I need?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Every insured’s situation is different.

For example, these questions can aid in determining if your insurance needs may require specific advice.

• Is upholstery damage covered by car insurance?
• Should I sign the liability waiver when renting a car?
• Do I have newly-aquired coverage?
• Is business property covered if stolen from my car?
• Are my friends covered when driving my 2017 Kia Soul?
• How much liability do I need to cover my assets?
• What should my uninsured motorist coverage limits be in my state?
• What is no-fault insurance?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance 101

Understanding the coverages of your auto insurance policy aids in choosing the best coverages for your vehicles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Liability coverages

Liability coverage provides protection from damage that occurs to other people or property that is your fault. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things such as legal defense fees, emergency aid, loss of income and bail bonds. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Comprehensive protection

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from getting keyed, falling objects, hitting a bird and fire damage. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as rehabilitation expenses, EMT expenses, X-ray expenses, hospital visits and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many 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. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision insurance

Collision coverage will pay to fix damage to your Soul 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 such as sustaining damage from a pot hole, colliding with another moving vehicle, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.