Cheaper 2016 Kia Soul Car Insurance Cost

Trying to find cheaper car insurance rates for your Kia Soul? No one looks forward to paying for car insurance, especially when they know they are paying too much.

Many auto insurance companies vie to insure your vehicles, and because of this it can be hard to compare insurers and uncover the absolute best rates possible.

You should make it a habit to quote other rates every six months since prices are constantly changing. Even if you got the lowest price for Soul coverage a couple years back you may be paying too much now. Ignore everything you know about car insurance because I’m going to teach you the quickest way to properly buy coverages and cut your premium.

If you currently have car insurance, you will most likely be able to save some money using these methods. Buying car insurance is quite easy. But vehicle owners do need to understand how companies sell insurance online because it can help you find the best coverage.

How to compare auto insurance quotes

There are multiple methods you can shop for auto insurance and some are less labor-intensive and much quicker. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you can stay home and use the web to maximize your effort.

All the larger companies enroll in a system that allows shoppers to only type in their quote data once, and every company then gives them pricing based on that information. This saves time by eliminating quote forms to each company. To participate in this free quote system, click to open in new window.

The one downside to getting quotes like this is you can’t choose the insurers you want to price. If you would rather choose from a list of companies to request quotes from, we put together a list of the cheapest auto insurance companies in your area. Click here to view list.

Take whichever approach you prefer, but ensure you are comparing the same coverages and limits for each price quote. If each company quotes different coverage information then you won’t be able to get a fair rate comparison. Slightly different limits could throw off the whole comparison. And when price shopping your coverage, having more price comparisons gives you a better chance of getting a better price. Some companies don’t provide online price quotes, so you need to compare price quotes from them as well.

When do I need an agent’s advice?

When it comes to buying the best insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions could help you determine whether or not you could use an agent’s help.

  • Exactly who is provided coverage by my policy?
  • Am I covered if I wreck a rental car?
  • Is my ex-spouse still covered by my policy?
  • Does insurance cover damages from a DUI accident?
  • What is PIP insurance?
  • Should I sign the liability waiver when renting a car?
  • Should I buy additional glass protection?
  • Should I buy full coverage?
  • Are split liability limits better than a combined single limit?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Car insurance 101

Understanding the coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by insurance companies.

Liability coverages

This will cover damage or injury you incur to other’s property or people by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for things such as legal defense fees, repair bills for other people’s vehicles, pain and suffering and loss of income. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Collision coverage protection

This pays for damage to your Soul caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as sideswiping another vehicle, rolling your car, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like fire damage, a broken windshield, falling objects, hitting a bird and hail damage. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for immediate expenses like X-ray expenses, funeral costs, dental work and pain medications. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage