Cheaper 2013 Kia Soul Insurance Quotes

Finding better rates for car insurance can seem to be hard for beginners to shopping for insurance online. You have so many options available that it can quickly become more work than you anticipated to find lower rates.

Consumers need to compare rates once or twice a year since insurance rates are variable and change quite frequently. Just because you had the lowest rates for Soul coverage a year ago you can probably find a lower rate today. Starting right now, block out anything you think you know about car insurance because we’re going to show you how to use online quotes to find lower rates on car insurance.

Why you might be paying too much to insure your Kia Soul

It’s important that you understand the factors that go into determining insurance coverage rates. Having a good understanding of what impacts premium levels enables informed choices that can help you get lower insurance coverage prices.

  • Discounts for married couples – Having a spouse helps lower the price on your policy. Having a spouse usually means you are more mature than a single person it has been statistically shown that being married results in fewer claims.
  • Discounts for multiple policies – Many insurers give discounts to insureds who consolidate policies with them. It’s known as a multi-policy discount. This can amount to five, ten or even twenty percent. If you currently are using one company, you still need to compare other company rates to ensure the best deal. You may still find a better deal by buying insurance coverage from a different company.
  • Battle of the sexes – Statistics demonstrate that women are safer drivers than men. However, don’t assume that women are better drivers. Both sexes have accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations such as reckless driving.
  • Drive a safer car and pay less – Vehicles with high crash test scores are cheaper to insure. Safer cars have better occupant injury protection and fewer injuries means less money paid by your insurance company passed on to you as lower rates. If your Kia is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Extra add-on coverages are wasting money – There are a lot of extra bells and whistles that you can buy on your insurance coverage policy. Coverages for vanishing deductibles, towing coverage and additional equipment coverage are some examples. These may sound like a good investment initially, but now you might not need them so eliminate them to save money.
  • Bad driving skills means higher rates – A bad driving record has a lot to do with how much you pay for insurance. Even one moving violation may increase your cost by twenty percent. Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. If you have severe violations like hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • Rate your vehicle for proper use – Driving more miles in a year’s time the more you will pay for insurance coverage. The majority of insurers apply a rate based on their usage. Cars and trucks that are left in the garage get more affordable rates compared to those used for work or business. Improper usage on your Soul may be costing you. Verify your insurance coverage coverage is showing the proper vehicle usage.
  • Car features impact rates – Driving a car with anti-theft technology or alarm system can help lower your rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your vehicle from being stolen.

Policy discounts you shouldn’t miss

Companies offering auto insurance do not advertise all their discounts in a way that’s easy to find, so we break down both the well known and also the lesser-known discounts you could be receiving.

  • Student Driver Training – Require your teen driver to complete a driver education course if offered at their school.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less for Soul coverage than their less cautious counterparts.
  • Discount for Swiching Early – A few companies offer discounts for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • Auto/Home Discount – When you have multiple policies with the same insurance company you could get a discount of up to 20% off your total premium.
  • Homeowners Savings – Simply owning a home can help you save on insurance coverage because of the fact that having a home demonstrates responsibility.
  • Paperless Signup – Certain companies give back up to $50 for buying your policy over the internet.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Discount for Life Insurance – Some companies give a break if you buy a life insurance policy as well.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, you’re out of luck.

To see a list of companies with the best insurance coverage discounts, click here.

Slick advertising tricks that work

Insurance coverage providers like Allstate and Progressive constantly bombard you with ads on television and other media. They all make an identical promise that you’ll save big if you switch your policy. How does each company make almost identical claims?

Different companies have a preferred profile for the driver that earns them a profit. For example, a profitable customer could be over the age of 40, owns a home, and drives newer vehicles. A driver that hits that “sweet spot” will get very good rates and therefore will save quite a bit of money when switching.

Potential insureds who don’t measure up to the requirements will be charged more money and this can result in business not being written. The ads say “people who switch” but not “drivers who get quotes” save that much. That’s why companies can truthfully make those claims. That is why you need to quote coverage with many companies. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Insurance agents can help

When it comes to choosing proper insurance coverage, there is no single plan that fits everyone. Each situation is unique.

For instance, these questions could help you determine if your situation would benefit from an agent’s advice.

  • Does my personal policy cover me when driving out-of-state?
  • What is the ISO rating for a 2013 Kia Soul?
  • How high should my medical payments coverage be?
  • What happens if I owe more than my 2013 Kia Soul is worth?
  • Does my liability insurance cover pulling a trailer or camper?
  • How can I get high-risk coverage after a DUI?
  • I have a DUI can I still get coverage?
  • When do I need to add a new car to my policy?
  • Why do I only qualify for high-risk insurance?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form.

Coverages available on your policy

Learning about specific coverages of insurance aids in choosing the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverages – This coverage will pay to fix damage to your Soul resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sustaining damage from a pot hole, backing into a parked car, driving through your garage door, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like prosthetic devices, hospital visits, ambulance fees and pain medications. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability auto insurance – Liability coverage will cover injuries or damage you cause to other’s property or people in an accident. This coverage protects you against claims from other people, and does not provide coverage for 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. Your policy might show policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as emergency aid, bail bonds and structural damage. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Comprehensive auto coverage – Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, falling objects, hail damage and a broken windshield. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Find Good Coverage for Less

Insureds change insurance companies for any number of reasons including lack of trust in their agent, policy non-renewal, being labeled a high risk driver and even poor customer service. It doesn’t matter what your reason, choosing a new insurance company is not as hard as you think.

We’ve covered a lot of information how to shop for 2013 Kia Soul insurance online. The most important thing to understand is the more times you quote, the better likelihood of reducing your rate. You may even discover the biggest savings come from an unexpected company.

Cheaper insurance is possible from both online companies and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. Some insurance providers may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

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