Compare 2011 Kia Soul Insurance Quotes

Searching for lower auto insurance rates for your Kia Soul? Are you overwhelmed by the crazy number of auto insurance company choices? You’re not alone. You have so many options available that it can quickly become more work than you anticipated to locate the lowest price.

It’s a great practice to compare prices occasionally because insurance rates are usually higher with each renewal. Even if you got the lowest price for Soul insurance six months ago there is a good chance you can find better rates now. Ignore everything you know about auto insurance because we’re going to demonstrate one of the best ways to find great coverage at a great price.

Kia Soul insurance rates have many determining factors

An important part of buying insurance is that you know the rating factors that come into play when calculating insurance rates. When you know what positively or negatively determines base rates enables informed choices that may reward you with big savings.

  • Poor credit can mean higher rates – A driver’s credit score is a large factor in calculating your insurance rates. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have lower credit ratings. If your credit score is low, you could be paying less to insure your 2011 Kia Soul by spending a little time repairing your credit.
  • Where you live is a factor – Choosing to live in a small town is a positive aspect when buying insurance. Drivers who live in large cities have to deal with more traffic problems and a longer drive to work. Lower population translates into fewer accidents and also fewer theft and vandalism claims.
  • Being married can save on insurance – Being married helps lower the price on your policy. Marriage is viewed as being more responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Bump up deductibles to save – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Kia. Some examples of claims that would be covered are a windshield shattered by a rock, collision with an animal, and rolling your vehicle. Your deductibles are how much you are required to spend before a claim is paid by your company. The more the insured has to pay upfront, the bigger discount you will receive for Soul insurance.
  • Choose a safe vehicle and save – Vehicles with high crash test scores are cheaper to insure. These vehicles have better occupant injury protection and fewer injuries means lower claim amounts and more competitive rates for policyholders. If your Kia scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Younger drivers pay higher rates – Mature drivers tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel. Young drivers are known to be less responsible in a vehicle and because of this, their insurance rates are much higher.
  • Occupation reflects on rates – Did you know that where you work can have an impact on rates? Careers like doctors, business owners and stock brokers are shown to have the highest rates due to stressful work requirements and lots of time spent at work. On the other hand, jobs such as pilots, students and performers pay the least for Soul insurance.

The easiest way to compare insurance rates in your area is to know the fact auto insurance companies participate in a system to compare their rates. All consumers are required to do is give the companies some data such as what your job is, an estimate of your credit level, how much education you have, and which vehicles you own. That rating information gets sent immediately to multiple different insurance companies and you receive quotes immediately.

To check rates for your 2011 Kia Soul, click here and enter your zip code.

Policy discounts you shouldn’t miss

Companies do not advertise every available discount in a way that’s easy to find, so we researched both well-publicized and also the lesser-known ways to save on auto insurance.

  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Homeowners Savings – Owning a home may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.
  • Safe Driver Discount – Safe drivers may save up to 50% more for Soul insurance than their less cautious counterparts.
  • Life Insurance Discount – Select insurance companies reward you with a break if you buy auto and life insurance together.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • No Charge for an Accident – A few companies permit an accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
  • Paperless Signup – Certain companies give back up to $50 for buying your policy over the internet.
  • Driver Safety – Completing a driver safety course could cut 5% off your bill and easily recoup the cost of the course.

Consumers should know that many deductions do not apply to the entire cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way.

To see a list of providers who offer auto insurance discounts, click here to view.

Insurance agents can help

When choosing proper insurance coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions could help you determine whether you would benefit from professional advice.

  • Do I need higher collision deductibles?
  • Which companies will insure high-risk drivers?
  • Do I need more liability coverage?
  • Will my rates increase for filing one claim?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I need an umbrella policy?
  • Should I buy additional glass protection?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance coverages

Having a good grasp of your car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be confusing and reading a policy is terribly boring.

Medical expense insurance

Coverage for medical payments and/or PIP pay for immediate expenses for things like X-ray expenses, chiropractic care, EMT expenses, ambulance fees and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, damage from flooding and theft. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability insurance

This coverage will cover damage that occurs to a person or their property in an accident. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like legal defense fees, bail bonds, pain and suffering and attorney fees. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Kia Soul.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Collision insurance

This pays for damage to your Soul resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like sideswiping another vehicle, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Save your hard earned cash

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. There are a lot of situations where consumers will sacrifice liability limits or collision coverage only to find out they didn’t have enough coverage. The proper strategy is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

Insureds change insurance companies for a number of reasons such as unfair underwriting practices, high prices, an unsatisfactory settlement offer and even policy non-renewal. Regardless of your reason for switching companies, switching insurance coverage companies can be easier than you think.

We just presented a lot of techniques to compare 2011 Kia Soul insurance prices online. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. You may even find the lowest rates come from a small local company.

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