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.
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.
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.
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.
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.
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.
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.
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 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
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.
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.
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.
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.
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: