Cheaper 2015 Kia Soul Insurance Quotes

I can’t think of anyone who likes paying for insurance, in particular when they are paying too much.

Online insurance companies like Allstate and Progressive constantly blast consumers with ad campaigns and consumers find it hard to see past the corporate glitz and do the work needed to find the best deal.

It’s important to do rate comparisons yearly due to the fact that insurance rates fluctuate regularly. Just because you had the best rates on Soul insurance a couple years back you can probably find a better price now. Forget all the misinformation about insurance because you’re about to find out the right way to find the best coverage while lowering your premiums.

If you have car insurance now, you should be able to reduce your rates substantially using these tips. Finding the best rates is not rocket science. But drivers must learn the methods companies use to sell insurance online and apply this information to your search.

Comparison of Car Insurance

There are several ways of comparing price quotes and find the best price. The easiest way by far to compare 2015 Kia Soul insurance prices is to use the internet to compare rates. This can be accomplished in a couple of different ways.

  1. The recommended way to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This form eliminates the need for repetitive form submissions for each company. One quote request gets you coverage quotes from several companies.
  2. A more difficult way to find lower rates requires visiting each company’s website and request a quote. For example, we’ll pretend you want comparison quotes from Auto-Owners, State Farm and Liberty Mutual. To find out each rate you need to visit each site to input your insurance information, which is why the first method is quicker.

    To view a list of companies in your area, click here.

  3. The least recommended method of comparing rate quotes is to spend your day driving to and from local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you prefer the professional guidance that only a license agent can provide. It is possible to compare online quotes but still have the advice of a local agent and you’ll learn how to do that later.

Which method you use is up to you, but compare apples-to-apples coverages and limits for every quote you compare. If you use different deductibles it’s not possible to determine the best price for your Kia Soul. Slightly different coverages can result in a big premium difference. And when price shopping your coverage, more quotes will enable you to find the best offered rates.

Factors that can influence Kia Soul insurance rates

An important part of buying insurance is that you know the factors that go into determining insurance coverage rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that can help you get big savings.

  • Your age impacts your rates – Teen drivers are known to get distracted easily when behind the wheel so insurance coverage rates are higher. Older insureds are more responsible, file fewer claims and are safer drivers.
  • High credit ratings translate to low rates – A driver’s credit score is a big factor in determining your rates. If your credit rating is lower than you’d like, you could be paying less to insure your 2015 Kia Soul by improving your rating. Consumers who have good credit tend to be less risk to insure than those with poor credit.
  • Battle of the sexes – The statistics show that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. Women and men cause accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations such as DWI and reckless driving.
  • Liability coverage protects you – The liability section of your policy will protect you in the event that a jury decides you are liable for causing damage or personal injury in an accident. It provides for a legal defense up to the limits shown on your policy. Liability is cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Do you need those extra coverages? – There are a lot of add-on coverages that can waste your money on your insurance coverage policy. Coverages like roadside assistance, accident forgiveness and additional equipment coverage may be wasting your money. They may seem like a good idea at first, but now you might not need them so get rid of them and save.
  • Discounts for married couples – Having a wife or husband can actually save you money on your insurance coverage policy. It usually means you are more mature and responsible it has been statistically shown that married couples file fewer claims.

You probably qualify for some discounts

Car insurance companies don’t list every discount very well, so here is a list both the well known and the harder-to-find insurance coverage savings.

  • Own a Home – Simply owning a home can help you save on insurance coverage because of the fact that having a home demonstrates responsibility.
  • Discount for Swiching Early – A few companies offer discounts for signing up before your current policy expires. The savings is around 10%.
  • Defensive Driver – Taking part in a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Resident Student – Any of your kids who live away from home and do not have a car may qualify for this discount.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy could earn a price break for each car.

It’s important to note that some of the credits will not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like you can get free auto insurance, you’re out of luck.

For a list of insurers offering insurance coverage discounts, click this link.

There’s no such thing as the perfect policy

When it comes to buying proper insurance coverage, there isn’t really a one size fits all plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that may help highlight if your insurance needs will benefit from professional help.

  • If I drive on a suspended license am I covered?
  • Are split liability limits better than a combined single limit?
  • Does my medical payments coverage pay my health insurance deductible?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is my trailer covered?
  • When can my company non-renew my policy?
  • Can my teen drive my company car?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered if I break a side mirror?
  • What discounts do I qualify for?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Car insurance coverages explained

Understanding the coverages of car insurance aids in choosing the right coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages found on the average car insurance policy.

Collision coverage – Collision 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 coverage protects against things such as crashing into a ditch, sideswiping another vehicle, hitting a parking meter and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like ambulance fees, EMT expenses and hospital visits. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Coverage for liability – Liability insurance provides protection from damage or injury you incur to a person or their property. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for claims like bail bonds, emergency aid, court costs, attorney fees and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Coverage for uninsured or underinsured drivers – 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 sustained by your vehicle’s occupants as well as damage to your Kia Soul.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive car insurance – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, rock chips in glass, a broken windshield, a tree branch falling on your vehicle and hitting a deer. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

In Summary

While you’re price shopping online, make sure you don’t sacrifice coverage to reduce premiums. Too many times, someone sacrificed uninsured motorist or liability limits and learned later that it was a big error on their part. Your aim should be to buy enough coverage at a price you can afford, not the least amount of coverage.

Budget-conscious 2015 Kia Soul insurance is possible on the web and with local insurance agents, so you should compare both to have the best selection. Some insurance providers do not offer the ability to get a quote online and these smaller companies work with independent agents.

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