2012 Kia Soul Insurance Quotes

I really doubt anyone fancies paying their premiums for insurance, especially when they know they are paying too much. Lots of car insurance companies contend for your insurance dollar, and because of this it can be hard to compare insurers to discover the definitive best price available.

If you have a current insurance policy or are shopping for new coverage, you can follow these tips to get lower rates while maintaining coverages. Finding the best rates is easy if you know what you’re doing. Vehicle owners just need to understand the proper way to compare rates online.

Cheap insurance coverage rates with discounts

Companies offering auto insurance don’t necessarily list every disount available in an easy-to-find place, so the list below details some of the more common and the harder-to-find credits available to bring down your rates.

  • Senior Citizen Rates – Drivers that qualify as senior citizens can get better insurance coverage rates on Soul coverage.
  • Responsible Drivers – Drivers without accidents may receive a discount up to 45% on Soul coverage than their less cautious counterparts.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and therefore earn up to a 10% discount.
  • ABS and Traction Control Discounts – Vehicles that have anti-lock braking systems can stop better under adverse conditions so companies give up to a 10% discount.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you could get a discount of over 10 percent off each policy depending on the company.
  • Life Insurance Discount – Some insurance companies give a break if you buy a life policy as well.
  • Sign Early and Save – Some companies provide a discount for switching policies early. This can save 10% or more.
  • Multiple Cars – Drivers who insure multiple vehicles with one company qualifies for this discount.
  • Military Discounts – Being deployed with a military unit may qualify for rate reductions.
  • Homeowners Discount – Just being a homeowner can get you a discount since home ownership is proof that your finances are in order.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. Just because you may think it’s possible to get free car insurance, that’s just not realistic. But any discount will positively reduce the premium cost.

To view insurance companies with discount rates, follow this link.

How to get insurance coverage price quotes

Finding cheap insurance coverage rates is a fairly straight forward process. Just spend a little time to compare rate quotes from online providers. Rate comparisons can be done using a couple different methods.

  1. The first (and easiest) way to find low rates is a comparison rater form click to view form in new window. This quick form eliminates the need for repetitive form submissions for each company you want a rate for. In just a few minutes this one form compares rates from multiple low-cost companies.
  2. A less efficient way to shop for insurance coverage online requires you to visit each company’s website to complete their respective quote request forms. For examples sake, let’s assume you want to compare USAA, 21st Century and Liberty Mutual. To do that, you would have to navigate to each company’s site to input your insurance information, which is not fast way to get rate quotes.

    For a list of companies in your area, click here.

It’s your choice how you get your quotes, but try to use equivalent coverage data for every company. If you compare different values for each quote you will not be able to determine the best price for your Kia Soul.

Tailor your insurance coverage to you

When it comes to buying adequate coverage for your vehicles, there is no perfect coverage plan. Every insured’s situation is different so this has to be addressed. These are some specific questions can aid in determining whether you would benefit from professional advice.

  • How high should my uninsured/underinsured coverage be in my state?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When would I need additional glass coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Is a fancy paint job covered?
  • What are the financial responsibility laws in my state?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is my camper covered by my car insurance policy?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered if I hit a deer?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area. It’s fast, free and can provide invaluable advice.

Insurance coverage basics

Knowing the specifics of insurance aids in choosing which coverages you need for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by insurance companies.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like hospital visits, doctor visits, nursing services and X-ray expenses. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Auto liability

Liability insurance can cover damage or injury you incur to a person or their property in an accident. It protects YOU against claims from other people, and 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 stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for things like legal defense fees, bail bonds, repair costs for stationary objects, court costs and medical expenses. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Coverage for uninsured or underinsured drivers

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2012 Kia Soul.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive insurance

This covers 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 can pay for claims such as fire damage, hail damage and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto collision coverage

Collision coverage will pay to fix damage to your Soul from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a parking meter, colliding with a tree, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

One last thing about your coverage

More affordable auto insurance can be purchased from both online companies and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money. Some auto insurance companies may not have the ability to get a quote online and usually these smaller companies prefer to sell through independent agents.

As you shop your coverage around, never skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice physical damage coverage only to regret that the savings was not a smart move. Your objective should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

Much more information about auto insurance is available at these links: