2015 Kia Soul Car Insurance Quotes – 9 Tips for Cheaper Rates

Want better insurance rates for your Kia Soul? Finding more affordable insurance on the web is rather difficult for people who are beginners to quoting and comparing rates online. With such a large number of insurers available, how can people possibly compare them all to find better insurance prices?

Smart consumers take time to get comparison quotes quite often due to the fact that insurance prices fluctuate regularly. Despite the fact that you may have had the best quotes on Soul coverage on your last policy other companies may now be cheaper. You can search a lot of insurance online but in this article, you’re going to get some great ideas on how to slash your insurance rates.

Pay discount rates with these nine discounts

Insuring your fleet can be pricey, but there may be some discounts to reduce the price significantly. Some discounts apply automatically at quote time, but a few must be specifically requested in order for you to get them. If you do not double check each discount you qualify for, you could be paying more than you need to.

• Claim Free – Drivers who stay claim-free pay less in comparison with insureds who have frequent claims or accidents.
• Own a Home and Save – Just being a homeowner can earn you a little savings since owning and maintaining a home requires personal responsibility.
• Pay Upfront and Save – By paying your policy upfront rather than spreading payments over time you can avoid monthly service charges.
• Onboard Data Collection – Policyholders that allow their insurance company to spy on where and when they drive by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if their driving habits are good.
• Paper-free Discount – A handful of insurance companies give back up to $50 for completing your application on the internet.
• Active Military Service – Being deployed in the military could qualify you for better prices.
• Student in College – Youth drivers who live away from home to go to college and don’t have a car can be insured at a reduced rate.
• One Accident Forgiven – Not a discount per se, but companies like Geico, Allstate and Liberty Mutual allow you one accident before raising your premiums with the catch being you have to be claim-free for a particular time prior to the accident.
• Discounts for Seat Belt Usage – Requiring all passengers to buckle up before driving could save 15% off the PIP or medical payment premium.

Keep in mind that most credits do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as comp or med pay. Even though it appears adding up those discounts means a free policy, it just doesn’t work that way.

Insurance companies that may include these benefits are:

• Geico
• USAA
• Progressive
• American Family
• Esurance
• Farmers Insurance
• State Farm

Before buying, ask all companies you are considering how you can save money. A few discounts may not apply to policyholders in your area. To find insurance coverage companies that offer multiple discounts, click here.

Which insurance coverage is cheapest?

There are multiple methods you can shop for insurance coverage but there is one way that is easier and takes less work. You can spend your afternoon talking to agents in your area, or you could save time and use online quotes to quickly compare rates.

Most car insurance companies enroll in a system where prospective buyers enter their policy data once, and each company can provide price quotes. This system prevents you from having to do quote requests for each company. To access this free quoting program, click here (opens in new window).

One minor caviat to using this type of form is you don’t know exactly which carriers you want pricing from. So if you want to select specific insurance companies for rate comparison, we have assembled a list of insurance coverage companies in your area. Click to view list.

However you get your quotes, compare apples-to-apples coverages for each price quote. If you are comparing unequal deductibles or liability limits you will not be able to determine the lowest rate for your Kia Soul. Slightly different insurance coverages or limits can make a big difference in price. Keep in mind that comparing a wide range of rates will enable you to find better pricing. Some companies don’t provide online price quotes, so it’s necessary to compare price quotes from them as well.

Your situation helps dictate your coverage

When buying the best car insurance coverage, there really is no one size fits all plan. Every insured’s situation is different.

For instance, these questions may help highlight whether or not you would benefit from professional advice.

• Does my liability insurance cover pulling a trailer or camper?
• Do I get a pro-rated refund if I cancel my policy early?
• When would I need rental car insurance?
• What is UM/UIM insurance?
• Do I need replacement cost coverage on my 2015 Kia Soul?
• Who is covered by my policy?
• How can I find cheaper teen driver insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form.

Learn about auto insurance coverages for a Kia Soul

Having a good grasp of a auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses for doctor visits, dental work, rehabilitation expenses, funeral costs and surgery. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as theft, hail damage and vandalism. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability

Liability insurance will cover damage that occurs to other people or property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as repair costs for stationary objects, court costs, loss of income and bail bonds. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Collision coverage protection

Collision insurance will pay to fix damage to your Soul resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like damaging your car on a curb, driving through your garage door, hitting a mailbox, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your 2015 Kia Soul.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Affordable insurance is out there

Insureds change insurance companies for any number of reasons including being labeled a high risk driver, questionable increases in premium, extreme rates for teen drivers or even delays in paying claims. Whatever your reason, choosing a new company can be easier than you think.

There are still a few companies who may not provide the ability to get a quote online regional carriers provide coverage only through local independent agencies. Low-cost 2015 Kia Soul insurance can be found online as well as from insurance agents, so compare prices from both to have the best chance of lowering rates.

Throughout this article, we presented a lot of information how to compare 2015 Kia Soul insurance prices online. It’s most important to understand that the more you quote car insurance, the better your comparison will be. You may even discover the best prices are with a small mutual company.

To read more, feel free to browse the articles below:

• Insurance Losses by Make and Model (iihs.org)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)
• Car Insurance: When not to Skimp (BankRate.com)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)