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Kia Soul EV Insurance Rates

Comparing auto insurance online can be fast and easy and at the same time you might just save a little. The most important part is to get rates from all providers in order to accurately compare the cheapest rate quotes.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of online companies vying for your business. Finding lower Soul EV insurance cost is not rocket science. You just have to spend a little time to get quotes provided by online insurance companies. This can be done by getting a quick quote here.

Which factors influence Soul EV insurance quotes?

Auto insurance rates paid to insure a Kia Soul EV can fluctuate considerably depending on several factors. Taken into consideration are:

  • A clean driving record keeps rates low
  • Credit rating impacts rates
  • Men typically pay more than women
  • The deductible you choose
  • Your vehicle's safety rating
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Whether you rent or own your home

A final factor that can impact Soul EV insurance rates is the model year. Models that are new have a higher value in comparison to later models so the cost to replace them may result in higher rates. But more recent Kia vehicles may have a trim level with safety features including adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes which may help offset higher rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability coverage - This coverage will cover damages or injuries you inflict on a person or their property. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision coverage - This coverage will pay to fix damage to your Kia from colliding with an object or car. A deductible applies then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage - This covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your Kia Soul EV comprehensive insurance. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This provides protection when the "other guys" are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Personal Injury Protection is only offered in select states and may carry a deductible.

How Much are Kia Soul EV Insurance Rates?