Lower Your 2012 Kia Soul Car Insurance Quotes

Comparison shopping for insurance can be a challenge for consumers new to comparing rates online. There are so many companies to choose from that it can easily become a real hassle to find the best price.

Consumers need to compare rates at least once a year because rates trend upward over time. Despite the fact that you may have had the best price for Soul insurance last year you may be paying too much now. There is a lot of bad information regarding insurance online, so we’re going to give you some tested techniques to quit paying high insurance rates.

Finding the best car insurance is easy if you know what you’re doing. Basically, every vehicle owner who carries car insurance most likely will be able to find lower rates. Nevertheless, consumers should learn how insurance companies compete online and take advantage of how the system works.

Comprehensive Car Insurance Comparison Quotes

Performing a rate comparison can be exhausting if you aren’t aware of the fastest way to get free quotes. You can spend countless hours talking to insurance companies in your area, or you can utilize the web to get prices fast.

The majority of car insurance companies belong to a marketplace where insurance shoppers submit one quote, and every company provides a quote based on that information. This system prevents you from having to do quote forms to each company.

To compare pricing click here to start a free quote.

The only downside to comparing rates this way is you don’t know exactly the insurers you will receive quotes from. So if you want to select from a list of companies to receive pricing from, we have assembled a list of car insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but ensure you’re using apples-to-apples deductibles and coverage limits for each price quote. If you use different liability limits you can’t possibly truly determine the lowest rate. Just a small difference in limits may result in large price differences. And when comparing car insurance rates, know that more quotes gives you a better chance of getting a better price.

How much can you save with discounts?

Insurance can cost an arm and a leg, but you may find discounts to reduce the price significantly. Certain discounts will be applied when you purchase, but some must be requested specifically prior to getting the savings.

  • Air Bag Discount – Vehicles with factory air bags can qualify for discounts of up to 25% or more.
  • Auto/Home Discount – When you have multiple policies with the same company you may save at least 10% off all policies.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in school.
  • Government Employees – Active or retired federal employment may qualify you for a discount for Soul insurance with certain companies.
  • 55 and Retired – Older drivers may qualify for reduced rates for Soul insurance.
  • Safe Drivers – Insureds without accidents can pay as much as 50% less for Soul insurance than their less cautious counterparts.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only reduce specific coverage prices like comprehensive or collision. Even though it may seem like you can get free auto insurance, companies don’t profit that way. Any qualifying discounts will reduce the amount you have to pay.

Companies that possibly offer these discounts may include but are not limited to:

Double check with all companies you are considering which discounts they offer. Some discounts might not be offered in your state.

Factors that might impact rates for a Kia Soul

An important part of buying insurance is that you know the different types of things that come into play when calculating the price you pay for insurance coverage. Understanding what impacts premium levels enables informed choices that may reward you with lower insurance coverage prices.

  • Add-on coverages can add up – There are quite a few additional coverages that you can get tricked into buying on your Soul policy. Things like roadside assistance, accidental death and membership fees may be costing you every month. These may sound like a good investment initially, but your needs may have changed so remove them from your policy.
  • Younger drivers pay higher rates – More mature drivers are more responsible, tend to cause fewer accidents and receive fewer citations. Youthful drivers tend to be careless and easily distracted when driving therefore insurance coverage rates are much higher.
  • Where do you drive? – Driving more miles each year the higher your rate. The majority of insurers apply a rate based on their usage. Cars and trucks that are left in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Verify your insurance coverage coverage shows the proper vehicle usage, because it can save money. If your policy improperly rates your Soul may be costing you.
  • Women pay lower rates – Statistics demonstrate women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. They both have accidents in similar percentages, but men cause more damage. Men also get cited for more serious violations such as reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and are penalized with high insurance coverage rates.

How much car insurance do I need?

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions may help highlight if you will benefit from professional help.

  • What if I owe more than I can insure my car for?
  • When can I cancel my policy?
  • Am I covered if I break a side mirror?
  • Are split liability limits better than a combined single limit?
  • What exactly is covered by my policy?
  • Am I covered if hit by an uninsured driver?
  • Are there companies who specialize in insuring high-risk drivers?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

The insurance coverage bait and switch

Progressive, Geico, Allstate and State Farm constantly bombard you with ads on TV and radio. All the companies have a common claim that you’ll save big if you switch your policy. How does each company make almost identical claims? This is how they do it.

Different companies can use profiling for the right customer that is profitable for them. A good example of a profitable customer might be profiled as a mature driver, has no prior claims, and has excellent credit. A customer who fits that profile will get very good rates and therefore will pay quite a bit less when switching companies.

Potential insureds who are not a match for the “perfect” profile will have to pay more money and ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” not “everyone that quotes” save that much. That’s why companies can truthfully claim big savings.

Because of the profiling, you need to get as many quotes as possible. You cannot predict which insurance companies will have the lowest Kia Soul insurance rates.

Car insurance coverage specifics

Understanding the coverages of car insurance can help you determine the best coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Kia Soul.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally these coverages do not exceed the liability coverage limits.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for X-ray expenses, prosthetic devices, ambulance fees, chiropractic care and hospital visits. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hail damage, hitting a deer, damage from getting keyed and damage from flooding. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for collisions

This coverage covers damage to your Soul resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, crashing into a building, rolling your car, crashing into a ditch and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Liability coverages

This coverage will cover injuries or damage you cause to a person or their property in an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as medical expenses, court costs and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Have the Midas touch

Discount 2012 Kia Soul insurance can be sourced on the web in addition to many insurance agents, so compare prices from both so you have a total pricing picture. A few companies do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

People who switch companies do it for any number of reasons including not issuing a premium refund, delays in paying claims, unfair underwriting practices or even policy non-renewal. No matter why you want to switch, finding the right car insurance provider is not as difficult as it may seem.

Throughout this article, we presented a lot of tips how to save on insurance. The most important thing to understand is the more you quote, the better your comparison will be. Drivers may discover the lowest priced car insurance comes from a smaller regional carrier.

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