Save on 2010 Kia Soul Car Insurance Quotes

Trying to find the cheapest insurance rates for your Kia Soul? Trying to find more affordable insurance could be hard for people who have little experience quoting and comparing prices online. There are so many options available that it can easily become a real hassle to find better prices.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these tips. This information will help educate you on how to effectively get price quotes and some tips to save money. But vehicle owners must learn how the larger insurance companies compete online and use this information to your advantage.

Insurance rates are influenced by these factors

One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that help determine the level of your policy premiums. If you have some idea of what controls the rates you pay, this enables you to make decisions that will entitle you to better car insurance rates.

  • Raise comp and collision deductibles and save – The deductibles you choose are the amount of money you are willing to pay out-of-pocket if a claim is determined to be covered. Coverage for physical damage, also called ‘full coverage’, insures against damage to your car. Some instances where coverage would apply are rearending another vehicle, fire damage, or theft of your vehicle. The more of the claim the insured is willing to pay, the less money you will pay for car insurance for Soul insurance.
  • Add-on coverages could be costing you – There are a ton of add-on coverages that can waste your money if you aren’t diligent. Coverages like replacement cost coverage, accidental death, and extra equipment coverage may be costing you every month. The coverages may be enticing initially, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
  • Know your credit history – Having a bad credit history is a large factor in calculating your premium rate. Drivers who have very good credit scores tend to be less risk to insure than those with poor credit scores. If your credit history is lower than you’d like, you could pay less to insure your 2010 Kia Soul by improving your credit score.
  • Where you call home factors in – Residing in a rural area has it’s advantages when insuring your vehicles. People who live in big cities have more traffic problems and a longer drive to work. Less people means less chance of accidents and also fewer theft and vandalism claims.
  • Driving citations drive up rates – How you drive influences premium rates substantially. Attentive drivers get better prices compared to drivers with tickets. Getting just one driving citation can increase rates substantially. Drivers unfortunate enough to have multiple tickets such as hit and run, DWI or reckless driving convictions may find that they have to to prove financial responsibility to the state department of motor vehicles in order to continue driving.
  • Gender impacts prices – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. This data doesn’t prove that females are better at driving than males. Men and women cause auto accidents at a similar rate, but the male of the species have costlier accidents. Men also statistically get cited for more serious violations such as DWI and reckless driving. Young men ages 16 to 20 are most likely to cause an accident and therefore pay the highest rates.
  • Never let your coverage expire – Allowing your car insurance policy to lapse is a fast way to increase your rates. Not only will you pay more, failure to provide proof of insurance can result in fines or a revoked license. You may then have to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Qualify for multi-policy discounts – Most insurance companies will give better rates for people that buy multiple policies such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even if you’re getting this discount it’s in your best interest to compare other company rates to make sure you are getting the best deal.There is a chance you can find lower rates by insuring with multiple companies.

Cheap insurance quotes online

There are a lot of ways you can shop for insurance but one way is less labor-intensive and much quicker. You can waste a lot of time talking about coverages with local insurance agents in your area, or you can utilize online quoting to get prices fast.

Most of the larger companies participate in a marketplace that enables customers to enter their coverage request one time, and at least one company can give them a price based on that information. This system prevents you from having to do quote forms for each company you want a rate for.

To find out what other companies charge click here to open in new window.

The only drawback to getting quotes like this is buyers cannot specifically choose which providers you want pricing from. If you prefer to choose specific insurance companies to receive pricing from, we have assembled a list of low cost insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but try to keep identical coverage limits for every quote you compare. If you enter higher or lower deductibles it will be next to impossible to get a fair rate comparison. Even a minor difference in limits can make a big difference in price. It’s important to know that comparing more rates from different companies helps you find a better price.

Buyer beware of insurance advertising tricks

Insurance providers like Progressive, Allstate and GEICO constantly bombard you with ads on television and other media. They all seem to advertise claims about saving some big amount if you just switch to them. How does every insurance company make the same claim? This is the trick they use.

Insurance companies look for specific characteristics for the right customer that will not have excessive claims. An example of a profitable risk profile might have to be between the ages of 40 and 55, owns a home, and has great credit. Any person who fits that profile will get low rates and most likely will cut their rates if they switch.

Insureds who cannot meet this ideal profile may be required to pay a higher rate which translates to the customer not buying. If you listen to the ad wording, they say “people that switch” not “everybody who quotes” save money. This is how companies can truthfully lure you into getting a quote. Because of the profiling, you really need to get as many free insurance quotes as possible. It is just not possible to predict with any certainty which company will fit your personal profile best.

Discounts for lower-cost auto insurance rates

Buying auto insurance is not cheap, but you might already qualify for some discounts that could drop your premiums quite a bit. Certain credits will be shown when you get a quote, but a few must be asked about before they will apply.

  • No Claim Discounts – Insureds who avoid accidents and claims get the best auto insurance rates as compared to insureds who have frequent claims or accidents.
  • Discount for New Cars – Insuring a vehicle that is new can get you a discount because newer models are generally safer.
  • Passive Restraints – Vehicles with factory air bags may earn rate discounts as much as 30%.
  • Student Discounts – Being a good student could provide a savings of up to 20% or more. Earning this discount can benefit you well after school through age 25.
  • Professional Memberships – Affiliation with specific professional or occupational memberships or organizations can get you a small discount on your next auto insurance statement.

Just know that some credits don’t apply to the entire cost. Some only apply to specific coverage prices like collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, nobody gets a free ride.

A few popular companies and a selection of discounts are:

  • State Farm has savings for passive restraint, student away at school, defensive driving training, safe vehicle, and multiple autos.
  • GEICO offers discounts including driver training, membership and employees, multi-vehicle, daytime running lights, seat belt use, military active duty, and anti-theft.
  • Allstate offers premium reductions for utility vehicle, teenSMART discount, farm vehicle, senior citizen, and defensive driver.
  • SAFECO has discounts for anti-lock brakes, teen safe driver, homeowner, anti-theft, bundle discounts, and multi-car.
  • Farm Bureau offers discounts for youthful driver, multi-policy, driver training, 55 and retired, good student, and renewal discount.
  • Progressive includes discounts for continuous coverage, online signing, homeowner, good student, and multi-vehicle.
  • AAA may include discounts for AAA membership discount, anti-theft, pay-in-full, multi-policy, and good student.

Check with every prospective company to give you their best rates. A few discounts may not apply to policies everywhere.

You may need specialized insurance coverage

When choosing adequate coverage, there is no one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine whether you could use an agent’s help.

  • What is the minimum liability in my state?
  • Am I missing any policy discounts?
  • Why do I only qualify for high-risk insurance?
  • Is extra glass coverage worth it?
  • Am I covered when driving in Canada or Mexico?
  • Can my teen driver be rated on a liability-only vehicle?

If you’re not sure about those questions, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverage options for a 2010 Kia Soul

Knowing the specifics of your auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage – Collision insurance will pay to fix damage to your Soul from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a building, driving through your garage door and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive auto insurance – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like fire damage, a broken windshield and hitting a deer. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverages – Liability coverage protects you from damage or injury you incur to other people or property by causing an accident. It protects YOU from claims by other people. It does not 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 policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like repair costs for stationary objects, attorney fees, loss of income, medical services and bail bonds. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Coverage for uninsured or underinsured drivers – This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for bills for ambulance fees, funeral costs and hospital visits. They are used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Shop around and save

In this article, we presented a lot of tips how to lower your 2010 Kia Soul insurance premium rates. The most important thing to understand is the more you quote insurance, the better likelihood of getting inexpensive insurance. Consumers could even find that the most savings is with some of the smallest insurance companies.

Lower-priced auto insurance is available from both online companies in addition to many insurance agents, and you should compare price quotes from both to have the best selection. Some companies don’t offer online price quotes and many times these smaller companies work with independent agencies.

Drivers who switch companies do it for a variety of reasons including policy cancellation, policy non-renewal, questionable increases in premium or delays in responding to claim requests. It doesn’t matter why you want to switch finding a new auto insurance company is pretty easy and you might even save some money in the process.

Even more information can be read at these sites: