Cheaper 2011 Kia Soul Car Insurance Cost

Drivers have many options when trying to find the best price on Kia Soul insurance. They can either spend hours contacting agents to compare prices or utilize the internet to compare rates. There are both good and bad ways to buy car insurance and you need to know the quickest way to get price quotes on a Kia and obtain the lowest price either online or from local insurance agents.

Take discounts and save

Auto insurance companies do not list every discount in an easy-to-find place, so we took the time to find some of the best known and the harder-to-find discounts you could be receiving. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% for Soul insurance with a few car insurance companies.
  • Drive Less and Save – Fewer annual miles on your Kia could be rewarded with lower rates on the low mileage vehicles.
  • Senior Discount – If you qualify as a senior citizen, you may receive reduced rates for Soul insurance.
  • Homeowners Pay Less – Being a homeowner can help you save on car insurance because maintaining a house demonstrates responsibility.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Auto/Life Discount – Some companies give lower rates if you buy a life insurance policy as well.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.
  • No Charge for an Accident – A handful of insurance companies allow you one accident before raising your premiums if your claims history is clear prior to the accident.
  • Sign Online – A handful of insurance companies will discount your bill up to fifty bucks just for signing your application digitally online.

It’s important to understand that most of the big mark downs will not be given to all coverage premiums. A few only apply to individual premiums such as comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, it doesn’t quite work that way.

For a list of companies with discount car insurance rates, click here.

Kia Soul insurance rates are influenced by…

Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for car insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that can help you get better car insurance rates.

The list below includes a partial list of the pieces companies use to determine your rates.

  • Poor driving leads to higher costs – A bad driving record has a lot to do with how much you pay for insurance. Good drivers get better rates compared to drivers with tickets. Even one speeding ticket can increase rates forty percent or more. If you have flagrant violations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
  • Pay less after the wedding – Getting married can get you a discount on your car insurance policy. Marriage is viewed as being more mature than a single person and it’s proven that married couples file fewer claims.
  • Never let your coverage lapse – Having an insurance coverage lapse will be a guaranteed way to increase your car insurance rates. And not only will insurance be more expensive, but being ticketed for driving with no insurance may earn you a hefty fine and possibly a revoked license.Then you may be required to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Low deductibles can be expensive – Your deductibles represent how much money you are willing to pay out-of-pocket in the event of a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some examples of claims that would be covered would be colliding with a building, damage from fire, or theft. The more the insured has to pay upfront, the bigger discount you will receive for Soul insurance.
  • Special features that cut premiums – Choosing a vehicle with a theft deterrent system can help lower your rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
  • Liability coverage is peace of mind – The liability section of your policy is the protection in the event that you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.

Which policy gives me the best coverage?

When buying proper insurance coverage, there really is not a “best” method to buy coverage. Each situation is unique.

For instance, these questions may help highlight whether you might need an agent’s assistance.

  • Do I benefit by insuring my home with the same company?
  • Does coverage extend to Mexico or Canada?
  • Am I covered when driving on a suspended license?
  • Does my 2011 Kia Soul need full coverage?
  • Should I carry comprehensive and collision coverage?
  • Do I need replacement cost coverage?
  • Is my 2011 Kia Soul covered for smoke damage?
  • Is my nanny covered when driving my vehicle?
  • Is other people’s property covered if stolen from my vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

What insurance coverages do you need?

Understanding the coverages of insurance helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Liability coverages

Liability coverage can cover damage or injury you incur to people or other property that is your fault. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like funeral expenses, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Uninsured or underinsured coverage

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Kia Soul.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive protection

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like vandalism, theft, damage from flooding, rock chips in glass and damage from getting keyed. 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 consider dropping full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills such as doctor visits, EMT expenses and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Auto collision coverage

This pays for damage to your Soul resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as scraping a guard rail, colliding with another moving vehicle, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Find Good Coverage for Less

In this article, we covered many ways to save on 2011 Kia Soul insurance. The key concept to understand is the more quotes you get, the higher the chance of saving money. Consumers could even find that the best price on insurance is with a small local company.

As you go through the steps to switch your coverage, you should never buy poor coverage just to save money. There are too many instances where drivers have reduced collision coverage only to regret they didn’t purchase enough coverage. Your aim should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

Cheaper insurance is available on the web in addition to many insurance agents, and you need to comparison shop both to have the best selection. A few companies do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

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