2018 Kia Soul Insurance Cost – 8 Tricks for Cheaper Prices

Looking for lower insurance coverage rates for your Kia Soul? Are you baffled by the wide range of insurance coverage companies in your area? There are such a vast assortment of companies available that it is a real difficult job to find lower premium rates.

How to compare car insurance quotes

Most of the larger companies allow you to get coverage prices direct online. Comparing rates online is quite simple as you simply enter your coverage preferences as detailed in the form. Once entered, their quoting system sends out for reports for credit and driving violations and returns pricing information determined by many factors.

This helps simplify price comparisons, but the time it takes to visit several different sites and fill out multiple forms is not the best way to spend an afternoon. But it is imperative to get many rate quotes if you want to find lower prices.

The preferred way to locate the lowest prices uses one simple form that obtains quotes from a lot of companies. It’s a real time-saver, helps eliminate reptitive entry, and makes price shopping online a little more enjoyable. As soon as the form is sent, it is rated with multiple companies and you can pick any one of the quote results.

If a lower price is quoted, it’s easy to complete the application and buy the policy. The entire process only takes a few minutes and may save quite a bit of money.

To fill out one form to compare multiple rates now, simply click here to open in new window and enter your information. If you have a policy now, it’s recommended you input just like they are on your policy. Doing this guarantees you will have a rate comparison based on identical coverages.

When in doubt talk to an agent

When choosing adequate coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For instance, these questions might point out whether or not you would benefit from an agent’s advice.

• Is a new car covered when I drive it off the dealer lot?
• What are the financial responsibility laws in my state?
• What can I do if my company won’t pay a claim?
• Does my liability insurance cover pulling a trailer or camper?
• Does my insurance cover a custom paint job?
• Is my vehicle covered by my employer’s policy when using it for work?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Learn about insurance coverages for a Kia Soul

Learning about specific coverages of insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Auto collision coverage

This pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, crashing into a building, colliding with a tree, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Auto liability

Liability coverage protects you from damages or injuries you inflict on other’s property or people. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like structural damage, funeral expenses and bail bonds. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Uninsured or underinsured coverage

This provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Kia Soul.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for prosthetic devices, ambulance fees, funeral costs, dental work and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive protection

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like theft, hitting a deer, hail damage and a tree branch falling on your vehicle. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.