No one in their right mind likes having to buy car insurance, especially when the price is too high.
Popular companies such as Progressive, State Farm and GEICO persitently shower you with fancy advertisements and it can be hard to ignore the promise of big savings and take the time to shop coverage around.
You should take the time to compare prices yearly since insurance rates go up and down regularly. Just because you had the best price for Soul EV insurance last year you may be paying too much now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the quickest way to get good coverage at a lower rate.
If you have car insurance now, you will most likely be able to save some money using these tips. Finding the best rates is quite easy. But car owners must learn how insurance companies market insurance on the web.
There are a variety of methods to compare 2015 Kia Soul EV auto insurance quotes, and some are less labor-intensive and much quicker. You can waste hours talking to local insurance agents in your area, or you can stay home and use the web to achieve your goal.
Many companies belong to a marketplace that enables customers to submit their information once, and each participating company returns a rated price determined by their information. This eliminates the need for quote requests for each company.
To find out how much you’re overpaying now click here to open in new window.
The one disadvantage to pricing coverage this way is you don’t know exactly the providers you will receive quotes from. If you prefer to choose specific insurance companies to compare prices, we have assembled a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.
It’s your choice how you get your quotes, but double check that you are using exactly the same quote information with each company. If you are comparing differing limits it will be very difficult to decipher which rate is best. Slightly different limits may result in large price differences. And when comparison shopping, having more price comparisons gives you a better chance of getting a lower rate.
When buying coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions may help highlight if you would benefit from professional advice.
If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.
Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average insurance policy.
Liability coverages – This coverage provides protection from injuries or damage you cause to other people or property in an accident. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.
Liability can pay for claims such as structural damage, loss of income and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.
Comprehensive insurance – This will pay to fix damage that is not covered by collision coverage. 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 a tree branch falling on your vehicle, damage from a tornado or hurricane and theft. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like pain medications, dental work and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage
Collision coverages – This coverage covers damage to your Soul EV caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for things such as driving through your garage door, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.
Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 2015 Kia Soul EV.
Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.