Cheap 2013 Kia Soul Insurance Rates

Trying to find lower insurance rates for your Kia Soul? Overwhelmed by the wide range of insurance companies? You’re not alone. Consumers have so many companies to choose from that it can turn into a big hassle to find better rates.

Compare the Market for Insurance

Effectively comparing insurance prices can be challenging if you don’t know the fastest way to get free quotes. You can waste a few hours (or days) driving to insurance agencies in your area, or you can stay home and use online quotes to get pricing more quickly.

All the larger companies enroll in a system that allows shoppers to enter their policy data once, and at least one company returns a rated price based on that data. This eliminates the need for quote requests to each individual insurance company. To enter your information into the quoting system, click to open in new window.

The one disadvantage to getting quotes like this is you cannot specify the companies to receive prices from. If you wish to select specific insurance companies to compare rates, we have a page of companies who write insurance in your area. Click to view list.

Whichever method you choose, make sure you use apples-to-apples coverage information on every quote. If you are comparing unequal deductibles or liability limits you can’t possibly truly determine the lowest rate. Quoting even small variations in insurance coverages may result in large price differences. And when price shopping your coverage, comparing more company’s prices helps locate the best rates.

More discounts equal less premium

The price of auto insurance can be rather high, but discounts can save money and there are some available to reduce the price significantly. Most are applied when you quote, but lesser-known reductions have to be manually applied in order for you to get them.

  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Low Mileage Discounts – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Save with a New Car – Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Auto/Life Discount – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Air Bag Discount – Vehicles with factory air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Defensive Driving Course – Successfully completing a driver safety course could save 5% or more if you qualify.
  • Drivers Education – Have your child successfully complete driver’s ed class in high school.
  • Use Seat Belts – Drivers who require all occupants to buckle their seat belts could save 15% off your PIP or medical payments premium.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like you could get a free car insurance policy, car insurance companies aren’t that generous. Any qualifying discounts will bring down your premiums.

Companies that may have these money-saving discounts may include but are not limited to:

Check with each insurance company which discounts they offer. Some discounts may not apply in every state.

Why your Kia Soul insurance rates may be high

An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay helps enable you to make changes that can help you get much lower annual insurance costs.

  • How many coverages with the same company – The majority of companies will award you with lower prices to customers who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to comparison shop to make sure you are getting the best deal. Consumers may find better rates by buying car insurance from a different company.
  • More miles equals more premium – Driving more miles in a year’s time the more you will pay for car insurance. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Autos used primarily for pleasure use get more affordable rates compared to those used for work or business. If your policy improperly rates your Soul can result in significantly higher rates. Double check that your car insurance coverage shows the proper vehicle usage.
  • Marriage pays dividends – Having a wife or husband actually saves money on your car insurance policy. Having a significant other usually means you are more mature than a single person and it’s proven that married drivers get in fewer accidents.
  • Your age impacts your rates – Teen drivers are known to be less responsible when driving so car insurance rates are higher. If you’ve ever had to add a youthful driver to your car insurance policy can be very expensive. More mature drivers tend to be more responsible, statistically cause fewer accidents and are safer drivers.
  • You might want pay the small claims yourself – Insurance companies award cheaper rates to people who are claim-free. If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is designed for major claims that would cause financial hardship.
  • Big city or small town – Residing in small towns and rural areas has it’s advantages when insuring your vehicles. Drivers in populated areas have to deal with congested traffic and longer commutes to work. Lower population translates into fewer accidents and also fewer theft and vandalism claims.
  • Men fork out a little more – The statistics show that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. Both sexes are in accidents in similar numbers, but men tend to have more serious accidents. Men also have more aggressive citations such as DWI and reckless driving.

It’s not one size fits all

When it comes to choosing the right insurance coverage for your vehicles, there really is not a one size fits all plan. Each situation is unique.

These are some specific questions may help highlight if your situation could use an agent’s help.

  • What vehicles should carry emergency assistance coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Does insurance cover damages from a DUI accident?
  • Do I pay less for low miles?
  • Why am I required to get a high-risk car insurance policy?
  • How high should my uninsured/underinsured coverage be in my state?
  • Does having multiple vehicles earn me a discount?
  • Am I covered if I crash into my own garage door?
  • How high should deductibles be on a 2013 Kia Soul?
  • Do I need to file an SR-22 for a DUI in my state?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form.

Coverages available on your policy

Understanding the coverages of insurance can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from getting keyed, rock chips in glass, fire damage, hitting a bird and a broken windshield. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision insurance

This coverage covers damage to your Soul caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as hitting a parking meter, backing into a parked car and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for expenses like nursing services, surgery and EMT expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability insurance will cover injuries or damage you cause to people or other property by causing an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as emergency aid, bail bonds, attorney fees, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Make an honest buck

Drivers who switch companies do it for any number of reasons including high prices, delays in responding to claim requests, an unsatisfactory settlement offer or even not issuing a premium refund. Regardless of your reason, finding a great new company is not as hard as you think.

You just read a lot of techniques to reduce 2013 Kia Soul insurance prices online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest priced insurance coverage comes from some of the lesser-known companies.

Affordable insurance is available online as well as from independent agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers don’t offer the ability to get a quote online and these smaller companies work with independent agents.

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