2017 Kia Soul Insurance Cost – 10 Ways to Save

If you are new to online auto insurance, it’s easy to be baffled by the large number local agents and online companies that all say they have the best rates.

Insurance discounts are available to reduce your rates

Some insurers don’t always list every available discount very well, so below is a list both the well known as well as the least known credits that may apply to you.

  • Government Employees – Active or retired federal employment may qualify for a discount when you quote auto insurance for Soul insurance with some insurance companies.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for a small discount on rates for Soul insurance.
  • Policy Bundle Discount – If you can combine your homeowners and auto policy with the same insurance company you may save as much as 10 to 15 percent.
  • Onboard Data Collection – Drivers who agree to allow driving data submission to scrutinize vehicle usage by using a telematic data system such as Progressive’s Snapshot may get a rate reduction if they show good driving skills.
  • Accident-Free Discounts – Drivers who stay claim-free are rewarded with significantly better rates on auto insurance quote when compared with policyholders that have many claims.
  • Own a Home and Save – Just owning your own home can get you a discount due to the fact that maintaining a home demonstrates responsibility.
  • Student Discount for Driver Training – Teen drivers should successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Low Mileage Discounts – Low mileage vehicles can earn substantially lower prices.
  • Early Signing – A few companies offer discounts for signing up before your current expiration date. It’s a savings of about 10%.
  • Good Student Discount – This discount could provide a savings of up to 20% or more. This discount can apply up until you turn 25.

Discounts save money, but please remember that most discount credits are not given to the overall cost of the policy. Most only reduce specific coverage prices like collision or personal injury protection. So despite the fact that it appears you could get a free insurance policy, you’re out of luck.

Larger insurance companies and their offered discounts can be read below.

  • State Farm has discounts for multiple autos, Steer Clear safe driver discount, good driver, anti-theft, Drive Safe & Save, and multiple policy.
  • GEICO offers discounts including five-year accident-free, daytime running lights, anti-theft, multi-vehicle, air bags, and seat belt use.
  • Allstate offers discounts for EZ pay plan discount, 55 and retired, anti-theft, multi-policy, anti-lock brakes, defensive driver, and new car.
  • SAFECO offers premium reductions for teen safe driver, anti-lock brakes, anti-theft, accident prevention training, bundle discounts, and teen safety rewards.
  • Farm Bureau discounts include youthful driver, multi-vehicle, 55 and retired, safe driver, good student, and renewal discount.
  • Progressive may have discounts that include online signing, good student, continuous coverage, homeowner, and online quote discount.
  • AAA may offer discounts for AAA membership discount, good student, multi-car, pay-in-full, and multi-policy.

Double check with each company or agent how many discounts you can get. Some of the discounts discussed earlier may not apply to policies in your area. To see a list of companies who offer free insurance quotes, click this link.

Everyone needs different car insurance coverages

When it comes to choosing adequate coverage, there really is no cookie cutter policy. Everyone’s needs are different.

For instance, these questions might help in determining if your situation might need an agent’s assistance.

  • Is extra glass coverage worth it?
  • When should I drop full coverage on my 2017 Kia Soul?
  • Is my cargo covered for damage or theft?
  • What can I do if my company denied a claim?
  • Does insurance cover tools stolen from my truck?
  • Is business equipment covered while in my vehicle?
  • What is an SR-22 filing?
  • Am I covered when driving on a suspended license?
  • What discounts do I qualify for?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form.

Coverages available on your insurance policy

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

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

Comprehensive coverage pays for things such as damage from flooding, a broken windshield, falling objects and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability auto insurance – Liability coverage will cover injuries or damage you cause to other’s property or people. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like court costs, bail bonds and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as X-ray expenses, ambulance fees and prosthetic devices. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision coverage – This coverage covers damage to your Soul from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a parking meter, crashing into a ditch, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2017 Kia Soul.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Knowledge is power

Discount 2017 Kia Soul insurance is available from both online companies and from local agencies, and you should be comparing both to get a complete price analysis. Some insurance providers may not provide online quoting and usually these small, regional companies prefer to sell through local independent agents.

People switch companies for a number of reasons such as delays in paying claims, high rates after DUI convictions, denial of a claim or extreme rates for teen drivers. Regardless of your reason, finding a new car insurance company can be easy and end up saving you some money.

When you buy auto insurance online, you should never reduce coverage to reduce premium. In too many instances, drivers have reduced uninsured motorist or liability limits to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage at the lowest possible cost but still have enough coverage for asset protection.

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