2018 Kia Soul Insurance Cost

Searching for better auto insurance rates for your Kia Soul? Paying for expensive Kia Soul insurance can consume your bank account and put the squeeze on your family’s finances. Doing a rate analysis is a fast and free way to make ends meet.

Since vehicle owners have many companies to choose from, it can be challenging to find a lower cost auto insurance company.

Pricing the lowest cost coverage is easy if you know what you’re doing. If you are insured now or need a new policy, you can use these techniques to find better prices while maximizing coverage. Consumers just need to understand the most effective way to shop for insurance coverage online.

The quickest method to compare policy rates utilizes the fact most larger insurance companies participate in a system to provide you with a free rate quote. All you need to do is provide the companies a bit of rating information such as whether your vehicle is owned or leased, driver details, level of coverage desired, and any included safety features. The rating information is instantly provided to insurance carriers in your area and they provide comparison quotes almost instantly.

To start a rate quote now, click here then complete the form.

Get lower rates with these discounts

Some companies don’t always advertise every possible discount in a way that’s easy to find, so we researched both the well known as well as the least known discounts you could be receiving when you buy insurance online.

  • Multi-car Discount – Drivers who insure multiple cars or trucks on one policy can get a discount for every vehicle.
  • Theft Deterent – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you can avoid the installment charge.
  • Homeowners Savings – Just owning your own home may earn you a small savings because maintaining a house requires personal responsibility.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.

One last thing about discounts, most discount credits are not given the the whole policy. Most cut individual premiums such as comprehensive or collision. Even though the math looks like you can get free auto insurance, insurance coverage companies aren’t that generous.

Larger insurance coverage companies and their offered discounts are:

  • State Farm has discounts for Steer Clear safe driver discount, anti-theft, safe vehicle, good driver, and driver’s education.
  • Geico has savings for good student, air bags, membership and employees, driver training, and anti-theft.
  • SAFECO may have discounts that include teen safe driver, drive less, bundle discounts, anti-lock brakes, and safe driver.
  • Farmers Insurance offers discounts for alternative fuel, switch companies, bundle discounts, homeowner, and early shopping.
  • AAA policyholders can earn discounts including multi-car, pay-in-full, multi-policy, education and occupation, anti-theft, AAA membership discount, and good driver.
  • USAA discounts include multi-policy, vehicle storage, new vehicle, annual mileage, military installation, driver training, and good student.

Before buying, ask each company or agent the best way to save money. Some credits may not be available everywhere. To locate insurers that offer discounts, click this link.

Learn how to lower your insurance prices

An important part of buying insurance is that you know the different types of things that help determine the rates you pay for insurance. When you know what positively or negatively controls the rates you pay, this allows you to make good choices that could result in big savings. Many things are used when quoting car insurance. Some of the criteria are obvious such as traffic violations, but other criteria are not as apparent such as your credit history or how financially stable you are.

Shown below are a few of the “ingredients” used by insurance companies to determine your prices.

  • Insurance is expensive for youthful drivers – Older drivers are shown to be more cautious, tend to file fewer claims .Young drivers are statistically proven to be less responsible with other occupants in the car so they pay higher insurance rates.
  • Proper usage rating affects prices – The more you drive your Kia in a year the higher your rates will be. Most insurance companies calculate prices partially by how you use the vehicle. Autos not used for work or commuting qualify for better rates than vehicles that are driven to work every day. Improper usage on your Soul is throwing money out the window. Verify your declarations sheet states the proper vehicle usage.
  • Save money with higher deductibles – Deductibles for physical damage are how much you are willing to pay out-of-pocket if a covered claim is submitted. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of some claims that would be covered could be collision with another vehicle, vandalism, or theft of your vehicle. The higher the amount you are required to pay out-of-pocket, the less money you will pay for insurance for Soul coverage.
  • Save money with high credit – An insured’s credit score is a large factor in calculating your premium rate. Insureds with high credit ratings tend to be better risks to insure than drivers with bad credit. If your credit rating can be improved, you could potentially save money when insuring your 2018 Kia Soul by improving your rating.

Insurance coverage can be complex

When choosing coverage for your vehicles, there really is not a one size fits all plan. Every situation is different so your insurance should reflect that These are some specific questions can help discover if your situation may require specific advice.

  • How do I file an SR-22 for a DUI in my state?
  • How can I get my company to pay me more for my totalled car?
  • What is medical payments coverage?
  • Can my teen drive my company car?
  • Do I have coverage for damage caused while driving under the influence?
  • Does my liability insurance cover pulling a trailer or camper?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered when driving someone else’s vehicle?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Insurance policy specifics

Having a good grasp of your insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from insurance companies.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like doctor visits, hospital visits and prosthetic devices. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as fire damage, hitting a deer, a tree branch falling on your vehicle and falling objects. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured or underinsured coverage – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your 2018 Kia Soul.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Liability auto insurance – This protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things such as attorney fees, repair bills for other people’s vehicles, loss of income, bail bonds and structural damage. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision coverages – Collision insurance pays for damage to your Soul resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a mailbox, crashing into a ditch, colliding with a tree, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Make a quick buck

When shopping online for insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, an insured cut full coverage and discovered at claim time that the small savings ended up costing them much more. The aim is to get the best coverage possible at the lowest possible cost, but do not sacrifice coverage to save money.

Cheap 2018 Kia Soul insurance can be bought from both online companies as well as from independent agentsinsurance , so get free insurance quotes from both of them in order to have the best price selection to choose from. Some companies do not offer online quoting and many times these regional carriers provide coverage only through independent insurance agencies.

We’ve covered a lot of techniques to reduce 2018 Kia Soul insurance premium rates online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your prices. You may be surprised to find that the lowest premium rates come from a lesser-known regional company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as State Farm, Geico and Nationwide.

More detailed insurance coverage information is located by following these links: