2013 Kia Soul Insurance Quotes

Want cheaper insurance coverage rates for your Kia Soul? Nobody that owns a car looks forward to paying premiums for insurance coverage, in particular when the cost is too high. Companies like State Farm, Progressive and GEICO promote their brand names with ad campaigns and it is difficult to ignore the propoganda and find the best price available.

Discount auto insurance rates

Insuring your fleet can be pricey, but there are discounts available that can dramatically reduce your bill. Certain reductions will be credited when you get a quote, but a few need to be requested specifically before you get the savings.

  • Senior Citizen Rates – Drivers over the age of 55 may be able to get reduced rates on Soul coverage.
  • Resident Student – Older children who live away from home to go to college and do not take a car to college may be insured at a cheaper rate.
  • E-sign – Many insurance companies may give you up to $50 for buying your policy over the internet.
  • Low Miles Discount – Keeping the miles down on your Kia can qualify you for substantially lower premium rates.
  • Accident Forgiveness – This isn’t a discount exactly, but companies like Liberty Mutual and GEICO will let one accident slide without raising rates as long as you don’t have any claims prior to being involved in the accident.
  • Government Employee Discount – Active or former government employment may qualify for a discount when you quote insurance on Soul coverage with select insurance companies.
  • Good Student – Being a good student can get you a discount of up to 25%. You can use this discount normally well after school through age 25.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you can avoid monthly service charges.

Don’t be surprised that some of the credits will not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way. Any amount of discount will definitely reduce your policy cost.

The best auto insurance companies and the discounts they provide are:

  • GEICO discounts include multi-policy, anti-theft, membership and employees, federal employee, and daytime running lights.
  • USAA policyholders can earn discounts including military installation, driver training, good student, defensive driver, new vehicle, and multi-policy.
  • Progressive includes discounts for good student, online signing, online quote discount, continuous coverage, multi-vehicle, and homeowner.
  • American Family may include discounts for TimeAway discount, mySafetyValet, Steer into Savings, bundled insurance, early bird, air bags, and accident-free.
  • Esurance offers discounts for multi-policy, Pac-12 alumni, renters, online shopper, online quote, and good driver.
  • Farmers Insurance may have discounts that include electronic funds transfer, bundle discounts, teen driver, early shopping, homeowner, and alternative fuel.
  • State Farm has savings for Steer Clear safe driver discount, anti-theft, multiple autos, good student, accident-free, and driver’s education.

Double check with each insurance company the best way to save money. Some of the earlier mentioned discounts may not be available everywhere. To view auto insurance companies that offer discounts, click this link.

Tailor your auto insurance coverage to you

When buying coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if you could use an agent’s help.

  • Is there coverage for injuries to my pets?
  • If my 2013 Kia Soul is totaled, can I afford another vehicle?
  • Does coverage extend to Mexico or Canada?
  • What are the best liability limits?
  • What is the difference between comprehensive and collision coverage?
  • Can I make deliveries for my home business?
  • Where can I find DUI or SR-22 insurance?
  • When should my teen driver be added to my policy?
  • Where can I find high-risk insurance?

If you can’t answer these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Auto insurance policy specifics

Having a good grasp of your policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on the average auto insurance policy.

Auto liability insurance

Liability insurance provides protection from damage that occurs to other people or property by causing an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as loss of income, bail bonds, emergency aid, legal defense fees and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Comprehensive (Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from flooding, damage from a tornado or hurricane and hitting a deer. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision coverage pays for damage to your Soul resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as rolling your car, colliding with a tree, driving through your garage door and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like ambulance fees, doctor visits, X-ray expenses, prosthetic devices and hospital visits. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2013 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 a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

A fool and his money are soon parted

While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. In many instances, consumers will sacrifice uninsured motorist or liability limits only to regret they didn’t have enough coverage. Your objective should be to find the BEST coverage at the best possible price, but do not sacrifice coverage to save money.

Cheap 2013 Kia Soul insurance can be bought on the web and with local insurance agents, so you need to quote insurance with both to have the best chance of lowering rates. Some companies don’t offer internet price quotes and most of the time these smaller providers sell through local independent agents.

We just presented a lot of techniques to shop for 2013 Kia Soul insurance online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may even discover the biggest savings come from a lesser-known regional company. Regional companies can often provide lower prices in certain areas compared to the large companies like Progressive and GEICO.

Much more information about insurance is available at the links below