2010 Kia Soul Insurance Rates

Want the cheapest auto insurance rates for your Kia Soul? Are you sick and tired of not being able to afford each month for car insurance? Your situation is no different than millions of other consumers.

Having so many companies to choose from, it is hard for the average consumer to locate the right provider.

Buying car insurance is not rocket science. Basically, everyone who buys auto insurance stands a good chance to be able to save money. But vehicle owners need to have an understanding of how big insurance companies market insurance on the web and apply this information to your search.

Car Insurance Comparison Rates

Performing a rate comparison can take time and effort if you aren’t aware of the easiest way. You can spend countless hours talking about coverages with insurance companies in your area, or you can stay home and use the web for quick rates.

Most major companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and each company returns a rated price based on that data. This prevents consumers from doing quote forms to each company.

To participate in this free quote system, click here (opens in new window).

The only drawback to doing it this way is buyers cannot specifically choose the providers to get quotes from. So if you want to choose from a list of companies to compare, we have a listing of low cost car insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but compare identical quote information for every company. If the quotes have unequal deductibles or liability limits it will be very difficult to decipher which rate is best. Just a small difference in coverage limits can make a big difference in price. And when quoting car insurance, remember that comparing a large number of companies will increase your chances of finding better pricing.

Don’t miss these discounts

Companies offering auto insurance do not list every discount very clearly, so we researched some of the more common as well as the least known discounts you could be receiving.

  • Save with a New Car – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Low Mileage – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • No Charge for an Accident – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • No Accidents – Claim-free drivers pay much less when compared with drivers who are more careless.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Most only cut the cost of specific coverages such as comprehensive or collision. So when the math indicates adding up those discounts means a free policy, it doesn’t quite work that way.

For a list of companies offering car insurance discounts, click here to view.

When might I need help?

When choosing the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique so this has to be addressed. These are some specific questions can aid in determining if your insurance needs could use an agent’s help.

  • Should I bundle my homeowners policy with my auto?
  • Does my policy cover my teen driver if they drive my company car?
  • Can I drive in Mexico and have coverage?
  • If my 2010 Kia Soul is totaled, can I afford another vehicle?
  • Am I insured when driving a different vehicle?
  • When would I need rental car insurance?
  • Can my babysitter drive my car?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Kia Soul insurance premiums are calculated by many factors

It’s important that you understand some of the elements that help determine auto insurance rates. Knowing what determines base rates allows you to make educated decisions that can help you get much lower annual insurance costs.

  • Don’t let your coverage lapse – Allowing your auto insurance policy to lapse is a quick way to increase your auto insurance rates. And not only will your rates increase, getting caught without coverage may earn you a revoked license or a big fine.
  • Rates may be higher depending on your occupation – Did you know that where you work can have an impact on rates? Jobs such as lawyers, business owners and stock brokers are shown to have the highest rates attributed to high stress and lengthy work days. On the other hand, occupations like actors, students and homemakers pay the least on Soul coverage.
  • Safer cars are cheaper to insure – Vehicles with high crash test scores can get you lower premiums. Safer cars have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and lower rates for you. If your Kia earned at least four stars on Safercar.gov it is probably cheaper to insure.
  • Credit scores impact auto insurance rates – A driver’s credit history is a huge factor in your rate calculation. If your credit score is not that good, you could potentially save money when insuring your 2010 Kia Soul by improving your rating. Drivers with high credit ratings tend to file fewer claims and have better driving records than those with lower credit scores.

Coverages available on your policy

Understanding the coverages of a auto insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages available from auto insurance companies.

Comprehensive coverage

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

Comprehensive can pay for claims such as hitting a deer, damage from a tornado or hurricane, rock chips in glass and falling objects. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

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

Collision insurance covers things such as scraping a guard rail, hitting a parking meter, colliding with a tree and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like doctor visits, ambulance fees and X-ray expenses. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist coverage

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Kia Soul.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Auto liability insurance

This coverage can cover damage or injury you incur to people or other property in an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like repair costs for stationary objects, attorney fees and legal defense fees. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Quote often and quote early

We covered a lot of information how to compare 2010 Kia Soul insurance prices online. The key concept to understand is the more rate comparisons you have, the better likelihood of reducing your rate. Consumers may even find the lowest priced auto insurance comes from the least-expected company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

The cheapest insurance is possible on the web as well as from independent agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who don’t offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

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