2017 Kia Soul EV Car Insurance Cost – 10 Savings Tips

There isn’t a single person who is fond of buying car insurance, especially when they are aware that the prices are way too high.

Companies like Allstate and Progressive all claim big savings with ads and it is difficult to ignore the flashy ads and do the work needed to find the best deal.

You should take the time to price shop coverage on a regular basis because rates change quite often. If you had the best premium rates for Soul EV insurance a few years ago there may be better deals available now. There is too much inaccurate information about car insurance online, but you can learn some great ways to lower your car insurance bill.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these methods. Finding the best rates is quite easy. Nevertheless, consumers must know the way companies price online insurance and take advantage of how the system works.

The quickest way to compare car insurance rates is to understand most insurance companies participate in a system to compare rate quotes. The only thing you need to do is take a few minutes to give details like if you went to college, whether the vehicles are used for commuting, if the car is leased, and the year, make and model of vehicles. That rating information is sent automatically to multiple insurance providers and you should receive rate quotes almost instantly.

How to know if you need help

When buying the best insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions may help you determine whether your personal situation will benefit from professional help.

• I have a DUI can I still get coverage?
• Is my Kia Soul EV covered if I use it for business?
• Am I covered if hit by an uninsured driver?
• Should I file a claim if it’s only slightly more than my deductible?
• Am I covered when driving a rental car?
• Am I covered if I drive in a foreign country?
• Do I benefit by insuring my home with the same company?
• Am I covered if I break a side mirror?
• Is my vehicle covered by my employer’s policy when using it for work?
• Do I need PIP coverage since I have good health insurance?

If you don’t know the answers to these questions but one or more may apply to you, you might consider 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.

Car insurance coverage information

Understanding the coverages of your auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages found on the average auto insurance policy.

Collision protection

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

Collision coverage protects against claims such as rolling your car, sideswiping another vehicle, sustaining damage from a pot hole, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, vandalism, damage from flooding, a broken windshield and rock chips in glass. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverages

Liability coverage protects you from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from legal claims by others. Liability 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 liability limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things like court costs, legal defense fees, pain and suffering, medical services and loss of income. How much coverage you buy is your choice, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as X-ray expenses, nursing services and dental work. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay