Lower Your 2010 Kia Soul Insurance Quotes

Trying to find better insurance prices for your Kia Soul could be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to shop for insurance coverage and you need to know the absolute fastest way to get price quotes for a new or used Kia and find the lowest possible price from both online companies and local agents.

Consumers should take time to compare rates at least once a year because prices fluctuate regularly. Despite the fact that you may have had the best rates on Soul coverage on your last policy a different company probably has better rates today. Starting right now, ignore everything you know about insurance coverage because you’re going to learn one of the best ways to reduce your cost while increasing coverage.

Lesser-known factors impacting Kia Soul insurance rates

An important part of buying insurance is that you know the different types of things that play a part in calculating your insurance rates. Having a good understanding of what determines base rates enables informed choices that may reward you with big savings.

  • Marriage pays dividends – Having a wife or husband can get you a discount on insurance. Marriage translates into being more mature than a single person it has been statistically shown that drivers who are married are more cautious.
  • More miles equals more premium – The higher the mileage driven in a year the more you’ll pay to insure your vehicle. Most companies price each vehicle’s coverage based on their usage. Cars and trucks left parked in the garage get more affordable rates than vehicles that are driven to work every day. Make sure your insurance declarations sheet shows the correct usage for each vehicle. Incorrect usage on your Soul may be costing you.
  • Don’t get talked into coverage you don’t need – There are many extra bells and whistles that you can buy on your insurance policy. Coverages for rental car reimbursement, towing coverage and motor club memberships may be wasting your money. These coverages may sound good initially, but if you don’t need them eliminate them to save money.
  • Clean credit earns discounts – Your credit score is a large factor in calculating your insurance rates. Therefore, if your credit score is lower than you’d like, you could save money insuring your 2010 Kia Soul by spending a little time repairing your credit. People with excellent credit tend to be more responsible than drivers who have poor credit.
  • Higher deductibles cost less – Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your Kia. Examples of covered claims would be collision with another vehicle, collision with an animal, and rolling your vehicle. Physical damage deductibles are how much you are willing to pay out-of-pocket before a claim is paid by your company. The more expense you’re willing to pay, the lower your rates will be on Soul coverage.
  • Men pay higher rates – Statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that women are better drivers. Women and men cause accidents at about the same rate, but the male of the species cause more damage. Men also tend to get more serious tickets such as reckless driving. Young males are most likely to cause an accident and thus pay the highest rates.
  • Do you work long hours in a high stress job? – Did you know your insurance rates can be affected by your occupation? Careers like real estate brokers, business owners and financial analysts tend to have higher average rates because of high stress levels and long work hours. Conversely, professions such as scientists, engineers and homemakers receive lower rates on Soul coverage.

Be sure to get all your discounts

Companies offering auto insurance don’t always advertise every discount in an easy-to-find place, so we took the time to find some of the best known as well as the least known discounts you could be receiving. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Club Memberships – Being a member of certain professional organizations may earn a discount on auto insurance on Soul coverage.
  • Student Driver Training – Require your teen driver to enroll in driver’s education if it’s offered in school.
  • Multiple Vehicles – Having multiple vehicles on one policy could earn a price break for each car.
  • Homeowners Discount – Simply owning a home can help you save on auto insurance because maintaining a house demonstrates responsibility.
  • Auto/Life Discount – Larger companies have a break if you buy a life insurance policy as well.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less on Soul coverage than less cautious drivers.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • Multiple Policy Discount – If you have multiple policies with the same insurance company you may save up to 20% off your total premium.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like you could get a free auto insurance policy, it doesn’t quite work that way.

For a list of insurers offering auto insurance discounts, click this link.

How do I know if I need professional advice?

When buying coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different.

For instance, these questions can aid in determining if your insurance needs might need an agent’s assistance.

  • Is a new car covered when I drive it off the dealer lot?
  • Do all my vehicles need collision coverage?
  • When can my company non-renew my policy?
  • Should I have a commercial auto policy?
  • Does medical payments coverage apply to all occupants?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I have coverage when making deliveries for my home business?
  • At what point should I drop full coverage?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Auto insurance coverage breakdown

Knowing the specifics of your auto insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Collision coverage

Collision coverage pays for damage to your Soul from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a mailbox, hitting a parking meter, scraping a guard rail, colliding with another moving vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as prosthetic devices, pain medications, dental work, surgery and nursing services. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Kia Soul.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like fire damage, damage from getting keyed and hitting a bird. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for liability

Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. It protects YOU against claims from 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. You might see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers claims such as funeral expenses, pain and suffering, repair bills for other people’s vehicles, bail bonds and loss of income. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Stretch your dollar

Affordable 2010 Kia Soul insurance is possible online as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who don’t offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

Drivers who switch companies do it for a variety of reasons including extreme rates for teen drivers, delays in paying claims, lack of trust in their agent and even unfair underwriting practices. No matter why you want to switch, finding a great new company is pretty simple and you could end up saving a buck or two.

As you shop your coverage around, make sure you don’t reduce coverage to reduce premium. In too many instances, consumers will sacrifice liability coverage limits only to regret that they should have had better coverage. Your goal should be to purchase plenty of coverage at the best price, not the least amount of coverage.

Additional information