Compare 2015 Kia Soul EV Insurance Cost

Trying to find the cheapest insurance for a Kia Soul EV could be an all-consuming task, but you can learn our insurance buying tips to save time.

There are both good and bad ways to compare insurance rates and you need to know the absolute fastest way to price shop coverage for your Kia and get the lowest price either online or from local insurance agents.

It is always a good idea to compare prices quite often because rates are adjusted regularly by insurance companies. If you had the best rates on Soul EV coverage on your last policy other companies may now be cheaper. There is a lot of bad advice regarding insurance on the internet, so by reading this article, you’re going to learn the best ways to save money.

The most recommended method to compare car insurance rates is to know the fact most of the larger companies participate in online systems to provide you with free rate quotes. The only thing you need to do is provide the companies a bit of rating information such as whether you are single or married, how many miles driven, level of coverage desired, and an estimate of your credit level. Your insurance information gets sent immediately to multiple companies and you receive quotes instantly to find the best rate.

To start a quote now, click here and enter the information requested.

Kia Soul EV rates influenced by many factors

Smart consumers have a good feel for the different types of things that play a part in calculating the rates you pay for car insurance. Understanding what impacts premium levels empowers consumers to make smart changes that can help you get big savings.

  • Where you live – Being located in a small town has it’s advantages when insuring your vehicles. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft. Drivers who live in large cities regularly have congested traffic and a longer drive to work. Higher commute times means higher likelihood of an accident.
  • Optional equipment can affect rates – Choosing a vehicle with a theft deterrent system can help lower your rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your vehicle from being stolen.
  • With age comes lower rates – Older drivers tend to be more responsible, file fewer claims and tend to be better behind the wheel. Youthful drivers are statistically proven to be careless and easily distracted behind the wheel therefore car insurance rates are much higher.
  • Marriage brings a discount – Being married actually saves money on car insurance. Marriage usually means you are more mature and it’s statistically proven that being married results in fewer claims.
  • Add-on coverages can add up – There are quite a few add-on coverages that you can buy if you aren’t careful. Coverages for personal injury protection, towing coverage and motor club memberships may be costing you every month. These coverages may sound good initially, but if you don’t need them eliminate them to save money.

Verify you’re getting all your discounts

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not even be aware of. Some discounts apply automatically when you purchase, but lesser-known reductions have to be specifically requested prior to receiving the credit. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Driver Safety – Completing a course in driver safety could save 5% or more if your company offers it.
  • E-sign – A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Organization Discounts – Participating in a civic or occupational organization is a good way to get lower rates when shopping for insurance coverage on Soul EV coverage.
  • Good Student – Performing well in school can save 20 to 25%. This discount can apply up until you turn 25.
  • Senior Citizens – Older drivers may receive better insurance coverage rates on Soul EV coverage.
  • One Accident Forgiven – A few companies permit an accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class in school.
  • Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Save with a New Car – Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can receive discounts of more than 20%.

Drivers should understand that some credits don’t apply to the entire cost. The majority will only reduce specific coverage prices like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way. But any discount will help reduce your premiums.

Companies that may have these benefits include:

Double check with every prospective company how you can save money. Savings might not be offered in your area.

When should I talk to an agent?

When buying proper insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is unique.

For instance, these questions might help in determining if your situation might need an agent’s assistance.

  • Is my babysitter covered when using my vehicle?
  • Who is covered by my policy?
  • What are the best liability limits?
  • What can I do if my company won’t pay a claim?
  • Should I have combined single limit or split liability limits?
  • I have good health insurance, so how much medical payments coverage do I need?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is upholstery damage covered by car insurance?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Auto insurance coverage basics

Understanding the coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Liability car insurance – This coverage can cover damage that occurs to people or other property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like pain and suffering, funeral expenses, medical expenses, repair bills for other people’s vehicles and legal defense fees. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Kia Soul EV.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive protection – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, hitting a bird, damage from getting keyed and falling objects. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as dental work, hospital visits and X-ray expenses. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Best coverage at the best price

Consumers change insurance companies for any number of reasons including being labeled a high risk driver, poor customer service, policy non-renewal and questionable increases in premium. It doesn’t matter what your reason, finding a new insurance coverage company can be pretty painless.

While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. In too many instances, consumers will sacrifice collision coverage and learned later that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

You just read a lot of tips how to lower your 2015 Kia Soul EV insurance rates. The key concept to understand is the more quotes you get, the better likelihood of reducing your rate. You may be surprised to find that the lowest premiums are with a smaller regional carrier.

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