2010 Kia Soul Insurance Quotes

Saving money on Driversinsurance coverage is difficult for beginners to online insurance quotes. Consumers have so many different companies and agents to choose from that it can easily be a chore to find a more affordable company.

Smart consumers take time to get comparison quotes on a regular basis because rates trend upward over time. Despite the fact that you may have had the lowest rate on Soul coverage a few years ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to the fastest and easiest way to save money, get proper deductibles and limits, all at the lowest rate.

How to compare insurance rate quotes

Effectively comparing insurance prices can be exhausting if you aren’t aware of the most efficient way. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you could save time and use the internet to quickly compare rates.

Many companies participate in a marketplace where insurance shoppers submit one quote, and each company returns a rated price based on that data. This eliminates the need for form submissions for each company. To submit your quote information now, click here to start a free quote.

The one downside to getting quotes like this is you cannot specify the providers to receive prices from. So if you prefer to choose from a list of companies to compare, we have a listing of low cost insurance companies in your area. Click here to view list.

It’s up to you which method you use, but try to keep exactly the same quote information for every quote you compare. If you have different liability limits it will be nearly impossible to make a fair rate comparison. Having just a slight variation in coverage limits can mean a large discrepancy in price. It’s important to know that having more price comparisons helps you find the best offered rates. Some regional insurers cannot provide online rate quotes, so it’s important to compare price estimates from them, too.

Drivers can save with with these discounts

Insurance coverage is expensive, but you might already qualify for some discounts to reduce the price significantly. Some trigger automatically at the time of purchase, but some must be requested specifically prior to getting the savings. If you do not check that you are getting every discount available, you may be paying too high a price.

  • Discount for Low Mileage – Driving fewer miles could earn cheaper premium rates.
  • Accident Free – Insureds with no claims or accidents pay less in comparison to accident-prone drivers.
  • Passenger Safety Discount – Factory options such as air bags can get savings of 20% or more.
  • Renewal Discounts – Some insurance coverage companies give discounts for renewing your policy prior to your current policy expiration. You can save around 10% with this discount.
  • Paperwork-free – Some of the larger companies will provide an incentive get auto insurance on your computer.
  • Bundled Policy Discount – If you insure your home and vehicles with the same insurance company you could save up to 20% off your total premium.

You should keep in mind that many deductions do not apply to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. Even though it appears you could get a free insurance coverage policy, you won’t be that lucky.

Companies and some of the premium reductions they offer are detailed below.

  • Farmers Insurance offers premium reductions for switch companies, youthful driver, alternative fuel, teen driver, business and professional, and good student.
  • Esurance has savings for online shopper, anti-lock brakes, Pac-12 alumni, defensive driver, Switch & Save, and multi-car.
  • State Farm has discounts for student away at school, good student, defensive driving training, anti-theft, accident-free, and Drive Safe & Save.
  • GEICO discounts include multi-vehicle, daytime running lights, emergency military deployment, anti-theft, defensive driver, air bags, and membership and employees.
  • Allstate offers discounts for utility vehicle, premier plus, eSmart discount, passive restraint, auto/life discount, and premier discount.

When comparing rates, check with every prospective company how many discounts you can get. Depending on the company, some discounts may not apply to policies in your area. To find providers who offer insurance coverage discounts, follow this link.

Your situation helps dictate your coverage

When buying the right insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions might help in determining whether or not you would benefit from an agent’s advice.

  • When should my teen driver be added to my policy?
  • Am I covered when driving on a suspended license?
  • How high should deductibles be on a 2010 Kia Soul?
  • What discounts do I qualify for?
  • Is my state a no-fault state?
  • How does medical payments coverage work?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Smart consumers can cut insurance costs

Multiple criteria are used in the calculation when you get a price on insurance. Most are fairly basic like your driving record, but some are less apparent like your vehicle usage or your commute time.Part of the insurance coverage buying process is learning some of the elements that help determine the level of your policy premiums. If you have some idea of what influences your rates, this allows you to make good choices that could help you find big savings.

The list below includes a partial list of the pieces used by insurance companies to determine your premiums.

  • Cheaper to insure women? – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. Women and men cause at-fault accidents in similar numbers, but males have accidents that have higher claims. Men also tend to receive more costly citations like reckless driving and DUI.
  • How do annual miles impact rates? – Driving a lot of miles each year the more you will pay for insurance coverage. The majority of insurers price each vehicle’s coverage based upon how much you drive. Cars that are left in the garage can be on a lower rate level compared to those used for work or business. Incorrect rating for your Soul is throwing money out the window. Ask your agent if your insurance coverage policy states annual mileage.
  • Eliminate unneeded extra coverages – There are many optional add-on coverages you can purchase on your Soul policy. Things like coverage for rental cars, accidental death, and membership fees may not be needed and are just wasting money. They may seem like a good idea initially, but if you’ve never needed them in the past get rid of them and save.
  • Use but don’t abuse your insurance – Car insurance companies provide the best rates to people who are not frequent claim filers. If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance is intended for larger claims.
  • Advanced alarms and GPS tracking – Selecting a car model with an alarm system can help lower your premiums. Theft prevention features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent your vehicle from being stolen.
  • Job impacts premiums – Careers like lawyers, executives and financial analysts have higher premiums than the average policyholder because of high stress levels and lots of time spent away from family. Conversely, jobs such as scientists, historians and the unemployed get better rates on Soul coverage.
  • Teenagers vs. older drivers – Inexperience drivers are known to be inattentive and easily distracted in a vehicle and because of this, their insurance coverage rates are much higher. If you’ve ever had to add a teenage driver onto a policy can be very expensive. Older insureds are shown to be more cautious, file fewer claims , and are generally more financially stable.
  • Never let your coverage expire – Driving without insurance is illegal and as a result your rates will increase for letting your insurance lapse for non-payment. In addition to paying higher premiums, failure to provide proof of insurance can result in a steep fine or even jail time.

Auto insurance ads are enticing

Auto insurance companies such as State Farm, Allstate and GEICO endlessly run television and radio advertisements. They all seem to advertise claims about savings after switching to their company. How is it possible that every company can give you a better price?

Different companies look for specific characteristics for the driver that will most likely be profitable. For instance, this type of driver may need to be between 25 and 40, has other policies, and drives less than 10,000 miles a year. A propective insured who fits those characteristics is entitled to the best price and will pay quite a bit less when switching companies.

Insureds who don’t measure up to the “perfect” profile will be quoted higher premium rates which translates to the customer not buying. If you listen closely, the ads state “customers that switch” not “all people who quote” save money. That is how companies can make claims like that.

Different companies use different criteria so you really need to compare as many free auto insurance quotes as you can. It’s just too difficult to predict which auto insurance company will provide you with the cheapest car insurance rates.

Auto insurance coverage options for a 2010 Kia Soul

Learning about specific coverages of your policy aids in choosing the best coverages for your vehicles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Auto liability insurance

Liability coverage can cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims like repair costs for stationary objects, loss of income, court costs and medical services. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for EMT expenses, nursing services and chiropractic care. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision coverage

Collision insurance covers damage to your Soul resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as driving through your garage door, backing into a parked car and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like vandalism, a broken windshield and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Kia Soul.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Shop. Compare. Save.

Some companies do not provide online rate quotes and usually these small, regional companies only sell through independent agencies. Lower-priced 2010 Kia Soul insurance can be found online in addition to local insurance agencies, and you need to comparison shop both in order to have the best chance of saving money.

People leave their current company for a number of reasons such as extreme rates for teen drivers, high rates after DUI convictions, questionable increases in premium or even not issuing a premium refund. Regardless of your reason, finding the right insurance provider is not as difficult as it may seem.

As you shop your coverage around, do not skimp on critical coverages to save a buck or two. There have been many situations where someone sacrificed uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to buy a smart amount of coverage at an affordable rate while still protecting your assets.

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