Compare 2015 Kia Soul Car Insurance Rates

Do you get exhausted from scraping nickels together to pay your car insurance bill each month? You have the same problem as most other drivers. Companies like State Farm, Farmers Insurance, GEICO and Allstate continually hit you with ads and it is difficult to see past the geckos and flying pigs and effectively compare rates to find the best deal.

You should make it a habit to compare rates before your next renewal because insurance prices are constantly changing. Even if you got the best deal on Soul insurance a couple years back you can probably find a lower rate today. Ignore everything you know about car insurance because you’re about to learn the things you must know in order to properly buy coverages and cut your premium.

If you have insurance now or need new coverage, you can use this information to reduce the price you pay and still get good coverage. Finding the best rates is not that difficult. Vehicle owners only need an understanding of the tricks to compare rates on the web.

Insurance quotes comparison

Getting low cost 2015 Kia Soul insurance pricing is pretty simple and can save money. All you need to do is spend a few minutes on the computer to get quotes online from several insurance companies. Shoppers can get rates by following the guidelines below.

  • The single most time-saving way to get quotes for comparison is a comparison rater form click to view form in new window. This method keeps you from doing a different quote to each individual insurance company. Completing one form compares rates from multiple low-cost companies.
  • A more time consuming way to shop for insurance online is to take the time to go to each individual company website and fill out a new quote form. For sake of this example, let’s say you want to compare prices for State Farm, Safeco and Allstate. You would be required to spend time going to each site individually and type in your information over and over, which is why the first method is more popular.

    To view a list of companies in your area, click here.

  • If you have time to kill, the last way to get rate quotes is to drive around to insurance agents’ offices. The internet makes this process obsolete unless you require the professional abilities of a local agency. Some companies do allow you to find lower rates online but purchase the actual policy in an agency.

Take whichever approach you prefer, but ensure you are comparing nearly identical quote data for every company. If you are comparing unequal deductibles or liability limits it will be very difficult to make an equal comparison.

Do you qualify for discounts?

Auto insurance companies don’t necessarily list every available discount in an easy-to-find place, so the list below details both well-publicized and the harder-to-find credits available to lower your premiums when you buy auto insurance online. If you’re not getting every credit you deserve, you could be saving more on your insurance.

  • Switch and Save Discount – Select insurance companies give a discount for switching companies before your current policy expires. Ten percent is about the average savings.
  • Good Grades Discount – Performing well in school can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Service Members Pay Less – Having a deployed family member could qualify you for better insurance rates.
  • Include Life Insurance and Save – Larger insurance companies have a break if you buy auto and life insurance together.
  • Seat Belt Discounts – Drivers who require all occupants to fasten their seat belts can save a little off PIP or medical payments premium.
  • Anti-lock Brakes – Vehicles with ABS and/or traction control are safer to drive and qualify for as much as a 10% discount.
  • Senior Discount – Drivers over the age of 55 may be able to get a discount up to 10% on Soul insurance.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • Save with More Vehicles Insured – Buying a policy with several vehicles on a single policy can reduce the rates for all insured vehicles.
  • Discounts for Government Workers – Active or former government employment may qualify for a discount when you quote auto insurance on Soul insurance but check with your company.

It’s important to note that most credits do not apply the the whole policy. Most cut the price of certain insurance coverages like comp or med pay. Despite the appearance that you can get free auto insurance, company stockholders wouldn’t be very happy.

A few popular companies and some of the discounts can be read below.

  • Farm Bureau offers premium reductions for 55 and retired, driver training, youthful driver, good student, and multi-policy.
  • Liberty Mutual offers discounts including new move discount, safety features, good student, multi-policy, newly retired, exclusive group savings, and new graduate.
  • State Farm offers discounts for student away at school, anti-theft, multiple policy, Steer Clear safe driver discount, and safe vehicle.
  • Auto-Owners Insurance has savings for paperless, anti-theft, paid in full, mature driver, multiple vehicles, and safe vehicle.
  • GEICO may have discounts that include anti-lock brakes, multi-policy, five-year accident-free, good student, and daytime running lights.
  • SAFECO includes discounts for anti-lock brakes, safe driver, teen safety rewards, homeowner, teen safe driver, and multi-car.

When comparing rates, check with all the companies to give you their best rates. All car insurance discounts may not be offered in every state.

Don’t assume everyone needs the same auto insurance coverage

When it comes to buying the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different so your insurance should reflect that These are some specific questions can help discover whether you will benefit from professional help.

  • What is roadside assistance coverage?
  • When should I remove comp and collision on my 2015 Kia Soul?
  • What is PIP insurance?
  • Can I get a multi-policy discount?
  • Am I covered when driving a rental car?
  • Should I sign the liability waiver when renting a car?
  • Am I covered when delivering products for my home-based business?
  • Is a blown tire covered by insurance?

If you’re not sure about those questions, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.

How you can control Kia Soul insurance prices

A large part of saving on car insurance is knowing the factors that go into determining your premiums. If you know what positively or negatively impacts your premiums, this enables you to make decisions that can earn you cheaper rates.

  • Low physical damage deductibles cost more – Insurance for physical damage, aka comp and collision, helps pay for damage to your vehicle. Some instances where coverage would apply would be a broken windshield, flood damage, and burglary. The deductibles you choose tell how much you are willing to pay in the event of a claim. The larger the amount you’re willing to pay, the less money you will pay for car insurance on Soul insurance.
  • Vocation reflects on rates – Do you have a high-stress occupation? Occupations such as doctors, executives and stock brokers tend to have the highest average rates because of intense work requirements and long work hours. On the flip side, jobs like professors, engineers and homemakers pay lower than average rates on Soul insurance.
  • Do men or women drive better? – Over time, data shows that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Males and females cause fender benders at about the same rate, but the male of the species cause more damage. Not only are claims higher, but men get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 are most likely to cause an accident and are penalized with high car insurance rates.
  • Optional features impact prices – Driving a car with advanced anti-theft systems can help lower your premiums. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent vehicle theft.
  • Choose high safety ratings and save – Vehicles that have high safety ratings tend to be cheaper to insure. The safest vehicles reduce the chance of injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Kia scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
  • Drivers with responsible credit save on car insurance – Having a bad credit score is a large factor in determining what you pay. So if your credit rating leaves room for improvement, you could save money insuring your 2015 Kia Soul if you improve your credit rating. Insureds with high credit scores tend to be more responsible and file fewer claims than drivers with worse credit.

Coverages available on your insurance policy

Learning about specific coverages of insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types offered by insurance companies.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for nursing services, hospital visits and pain medications. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers you and your occupants as well as any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

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

Collision insurance covers claims such as hitting a mailbox, sustaining damage from a pot hole, backing into a parked car and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hail damage, damage from getting keyed and fire damage. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverages – Liability coverage can cover damage or injury you incur to other people or property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as court costs, medical expenses, emergency aid, loss of income and pain and suffering. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2015 Kia Soul.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Shop smart and save

When shopping online for insurance, never reduce needed coverages to save money. In many instances, an insured cut physical damage coverage only to regret they didn’t have enough coverage. The proper strategy is to get the best coverage possible at a price you can afford while still protecting your assets.

Cost effective 2015 Kia Soul insurance is available from both online companies in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies do not offer the ability to get a quote online and these smaller providers provide coverage only through local independent agencies.

For more information, feel free to visit the articles below: