Cheaper 2018 Kia Soul EV Car Insurance Quotes

Are you sick and tired of wondering where the money will come from to pay car insurance each month? You are in the same boat as most other drivers. You have so many insurance companies to buy insurance from, and though it is a good thing to be able to choose, too many choices makes it more difficult to find the lowest cost provider.

It’s a good idea to compare rates as often as possible since prices are rarely the same from one policy term to another. Even if you got the best rates on Soul EV insurance last year you can probably find a lower rate today. You can find a lot of information about car insurance on the internet, but you can learn some tested techniques to lower your car insurance premiums.

This information will teach you how to effectively get price quotes and some tricks to saving. If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Drivers just need to learn the proper methods to shop online.

How much does car insurance cost?

Reducing your 2018 Kia Soul EV insurance rates can be surprisingly simple. The only thing you need to do is invest a few minutes to compare free car insurance quotes to see which company has cheaper car insurance quotes. Shoppers can get rates in a couple of different ways.

  1. Without a doubt, the easiest way to find low rates is to use a rate comparison form click here to open form in new window. This quick form prevents you from having to do separate quote forms for each company you want a rate for. One form will get you price quotes from many national carriers.
  2. A harder way to obtain and compare quotes online is spending the time to visit the website of each company and repeat the quote process. For instance, we’ll assume you want to compare prices for Allstate, Liberty Mutual and American Family. You would need to take the time to go to each site and type in your information over and over, which can take a lot of time. For a list of links to insurance companies in your area, click here.
  3. The last method to shop rates is driving around to each insurance agency near you. Comparing rate quotes online can eliminate the need for a local agent unless you have a need for the guidance that you can only get from talking to an agent. Although, it is possible find lower rates online but purchase the actual policy in an agency.

It doesn’t matter which method you choose, just ensure you’re using apples-to-apples coverages for each quote you get. If your comparisons have different coverage information it will be nearly impossible to make a fair comparison for your Kia Soul EV.

Lower rate quotes by taking advantage of discounts

Properly insuring your vehicles can get expensive, but there could be available discounts to reduce the price significantly. Certain reductions will be credited at the time you complete a quote, but a few need to be specially asked for prior to getting the savings.

  • Payment Discounts – By making one initial payment instead of making monthly payments you can actually save on your bill.
  • Save with More Vehicles Insured – Drivers who insure more than one vehicle with the same company can get a discount on all vehicles.
  • Drivers Education – Require your teen driver to complete a driver education course in school or through a local driver safety program.
  • Home Ownership Discount – Just being a homeowner can save a few bucks because owning a home is proof of financial responsibility.
  • Early Renewal Discounts – Select auto insurance companies give a discount for switching companies prior to the expiration date on your current policy. You could save around 10% when you buy car insurance online.
  • Professional Organizations – Being in certain professional organizations is a good way to get lower rates when getting a car insurance quote.
  • Low Mileage Discounts – Low annual miles may allow you to get discounted premium rates on garaged vehicles.
  • Student in College – Youth drivers who live away from home at college without a vehicle on campus may be able to be covered for less.
  • Auto/Life Discount – If the company offers life insurance, you could get a break if you buy auto and life insurance together.
  • First Accident Forgiveness – Not necessarily a discount, but certain companies will let one accident slide before they charge you more for coverage with the catch being you have to be claim-free prior to the accident.

It’s important to note that most discount credits are not given to the entire cost. Most only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you could get a free auto insurance policy, companies wouldn’t make money that way.

Larger auto insurance companies and a partial list of their discounts are outlined below.

  • State Farm offers discounts for safe vehicle, anti-theft, good driver, student away at school, passive restraint, and accident-free.
  • Farmers Insurance has discounts for business and professional, switch companies, teen driver, electronic funds transfer, bundle discounts, and alternative fuel.
  • Geico includes discounts for driver training, seat belt use, membership and employees, good student, and anti-theft.
  • American Family may offer discounts for good student, bundled insurance, air bags, defensive driver, and accident-free.
  • Nationwide policyholders can earn discounts including good student, business or organization, easy pay, multi-policy, defensive driving, family plan, and anti-theft.
  • Progressive offers premium reductions for good student, online signing, multi-policy, multi-vehicle, continuous coverage, and homeowner.

Before buying, ask all companies you are considering which discounts they offer. Depending on the company, some discounts may not apply to policyholders in your area. To choose auto insurance companies with discount rates, click here to view.

How much insurance do I need?

When buying the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Each situation is unique so your insurance needs to address that. These are some specific questions could help you determine if your insurance needs will benefit from professional help.

  • Does coverage extend to my business vehicle?
  • Can I rate high risk drivers on liability-only vehicles?
  • When does my teenage driver need to be added to my policy?
  • Where can I get insurance after a DUI in my state?
  • Where can I find DUI or SR-22 insurance?
  • What if I total my 2018 Kia Soul EV and owe more than it’s worth?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverages explained

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages found on the average insurance policy.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like X-ray expenses, nursing services, funeral costs, EMT expenses and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your 2018 Kia Soul EV.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Collision coverage – Collision insurance covers damage to your Soul EV from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like sustaining damage from a pot hole, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability coverages – Liability coverage will cover damage that occurs to other’s property or people that is your fault. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against things like emergency aid, legal defense fees and pain and suffering. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Comprehensive insurance – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, a broken windshield and damage from getting keyed. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.