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Kia Soul Insurance Rates

Finding cheaper auto insurance through online companies is easy and at the same time you will probably save money. The key is to get as many rate quotes as possible so you can get the lowest prices.

Consumers who are new to the process of comparison shopping may think finding cheap Soul insurance is difficult. Cutting your Soul insurance cost is not a difficult process. Drivers just need to take a couple of minutes comparing rates from different insurance companies. It is quite easy and can be accomplished by completing this short form.

What factors impact Soul insurance quotes?

Insurance rates for a Kia Soul can fluctuate considerably based upon several criteria. Taken into consideration are:

  • Your driving record
  • Credit rating impacts rates
  • Men typically pay more than women
  • Low deductibles cost more
  • Your vehicle's safety rating
  • No claims lowers premiums
  • No coverage lapses saves money
  • Whether you rent or own your home

One last important factor which can affect the rate you pay on your Kia is the year of manufacture. New vehicles have a higher actual cash value so repair costs are higher which may result in higher rates. Conversely, more recent Kia vehicles may have options such as a rollover prevention system, forward-collision avoidance, and dual-stage airbags which may give discounted rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Coverage for liability - Liability insurance will cover damages or injuries you inflict on other people or property that is your fault. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase as high a limit as you can afford.

Collision - This will pay to fix damage to your Kia caused by collision with an object or car. A deductible applies and then insurance will cover the remainder. Soul collision insurance is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM Coverage - This protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are used to fill the gap from your health insurance program or if you do not have health coverage. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Kia Soul Insurance Rates?