2017 Kia Soul Car Insurance Quotes – 5 Policy Discounts

Want cheaper insurance rates for your Kia Soul? I doubt anyone fancies paying their premiums for insurance, especially when the prices are way too high.

Many auto insurance companies vie for your hard-earned dollar, so it’s not easy to compare every provider to discover the definitive best rates possible.

If you have car insurance now, you will be able to lower your premiums substantially using this strategy. Choosing the best insurance company for you is quite easy. Although car owners must learn how the larger insurance companies market on the web because it can help you find the best coverage.

Auto insurance quotes comparison

There are a lot of ways you can shop for auto insurance but some are easier and takes less work. You can waste hours discussing policy coverages with local insurance agents in your area, or you can utilize the internet to maximize your effort.

Many insurance companies participate in a marketplace that allows shoppers to submit their information once, and at least one company then gives them pricing based on that data. This prevents consumers from doing repetitive form submissions for every auto insurance company.

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The only downside to doing it this way is you cannot specify which insurance companies to get pricing from. So if you want to choose specific providers to compare prices, we put together a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

The method you choose is up to you, but make sure you are using equivalent coverages and limits on every quote. If you compare mixed coverages then you won’t be able to find the best deal for your Kia Soul. Even a minor difference in insurance coverages can make a big difference in price. And when quoting auto insurance, remember that having more price comparisons increases your odds of finding more affordable rates. Some regional insurers cannot provide prices over the internet, so it’s important to also get quotes from them, too.

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Don’t listen to company ads

Respected companies like Progressive, Geico, Allstate and State Farm constantly bombard you with television and radio advertisements. All the ads advertise claims about savings if you switch to them. Is it even possible that every company can save you money?

Different companies quote the lowest rates for the right customer that makes them money. One example of a profitable risk profile could be between the ages of 30 and 45, has other policies, and drives less than 5,000 miles a year. A driver that fits those parameters receive the lowest rate quotes and is almost guaranteed to cut their rates substantially.

Potential customers who cannot meet these criteria will probably be forced to pay higher premium rates and this results in the prospect going elsewhere. The trick is to say “customers who switch” not “everyone that quotes” can get the lowest rates when switching. This is how insurance companies can confidently advertise the savings.

That is why it is so important to compare quotes as often as possible. It’s not possible to predict the company that will be your best fit.

Save with these five discounts

Car insurance is not an enjoyable expense, but companies offer discounts that you may not even know about. Most are applied at quote time, but a few must be specifically requested before you will receive the discount. If you check and find you aren’t receiving every discount possible, you could be paying more than you need to.

• Driver’s Ed – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
• Anti-theft System – Cars and trucks with anti-theft systems are stolen with less frequency and will save you 10% or more.
• Auto/Home Discount – When you have multiple policies with the same company you could get a discount of up to 20% off your total premium.
• Discount for Life Insurance – Not all car insurance companies offer life insurance, but some may give you a break if you buy some life insurance too.
• Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% on the premium charged for medical payments and/or PIP.

Don’t be surprised that most discount credits are not given to your bottom line cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like you could get a free car insurance policy, it just doesn’t work that way.

Car insurance companies that may include most of the discounts above may include but are not limited to:

• Progressive
• Geico
• State Farm
• Esurance
• The Hartford

When getting free insurance quotes, it’s a good idea to every prospective company the best way to save money. Depending on the company, some discounts may not apply to policyholders in your area. To see providers who offer free car insurance quotes, click here.

Special considerations

When choosing coverage, there really is not a “best” method to buy coverage. Each situation is unique so this has to be addressed. For instance, these questions can help discover if you will benefit from professional help.

• Why do I only qualify for high-risk insurance?
• Does my personal policy cover me when driving out-of-state?
• Should I drop comprehensive coverage on older vehicles?
• Why am I be forced to buy a membership to get insurance from some companies?
• Is pleasure use cheaper than using my 2017 Kia Soul to commute?
• Am I covered if my car is in a flood?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

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Auto insurance coverage specifics

Understanding the coverages of your policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages available from auto insurance companies.

Collision – Collision coverage pays for damage to your Soul resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2017 Kia Soul.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits do not exceed the liability coverage limits.

Liability coverage – This can cover damage that occurs to people or other property in an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like medical services, repair costs for stationary objects, attorney fees and loss of income. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like dental work, funeral costs and doctor visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix 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 coverage pays for things like damage from getting keyed, a broken windshield, vandalism, falling objects and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

A tidy conclusion

When getting insurance quotes online, it’s a bad idea to reduce needed coverages to save money. In many cases, someone dropped physical damage coverage only to regret at claim time that they should have had better coverage. The goal is to get the best coverage possible for the lowest price.

There are still a few companies who may not have rates over the internet and most of the time these smaller providers only sell coverage through independent agencies. Cost effective 2017 Kia Soul insurance can be found both online and from local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates.

Throughout this article, we presented a lot of information how to shop for 2017 Kia Soul insurance online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your premium rates. You may be surprised to find that the lowest auto insurance rates are with the smaller companies. They may have significantly lower premium rates on certain market segments than their larger competitors like State Farm and Allstate.

To learn more, feel free to visit the resources below:

• Child Safety FAQ (iihs.org)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)
• What is Covered by GAP Insurance? (Allstate)

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