2019 Kia Soul Insurance Rates in 2024

Locating the cheapest insurance for a Kia Soul can be a painful process, but you can learn a few tricks to save time. There are more efficient ways to find insurance coverage online so you’re going to learn the absolute fastest way to price shop coverage for a new or used Kia and get the best price possible from both online companies and local agents.

It’s a good habit to do rate comparisons before your policy renews because rates trend upward over time. Even if you got the lowest premium rates for Soul insurance two years ago there is a good chance you can find better prices now. Block out anything you think you know about insurance coverage because you’re about to find out the tricks you need to know to save money, get proper deductibles and limits, all at the lowest rate.

Buying car insurance is not rocket science. If you have a current auto insurance policy or are just looking to switch companies, you can use this information to reduce the price you pay and still get good coverage. Consumers just need to know the best way to compare price quotes online.

Auto insurance rates and discounts

Some insurance providers don’t always advertise every possible discount very well, so the list below details some of the best known and also the more inconspicuous credits that you can use to lower your rates.

• Discount for Life Insurance – Larger insurance companies have a lower auto insurance rate if you buy some life insurance in addition to your auto policy.
• Good Grades Discount – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
• Senior Citizen Rates – If you qualify as a senior citizen, you can get better auto insurance rates for Soul insurance.
• Multiple Cars – Drivers who insure several vehicles on one policy can reduce the rates for all insured vehicles.
• Data Collection Discounts – People who choose to allow companies to study vehicle usage through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they are good drivers.
• Seat Belt Usage – Forcing all vehicle occupants to wear their seat belts can save a little off the medical payments premium.
• Active Military Service – Being deployed with a military unit may qualify for rate reductions.

You can save money using discounts, but most of the big mark downs will not be given to the entire policy premium. Most only apply to the cost of specific coverages such as comp or med pay. If you do the math and it seems like it’s possible to get free car insurance, it’s just not the way it works. But any discount will cut the cost of your policy.

Companies that may offer policyholders these discounts include:

• GEICO
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

If you want cheap insurance coverage quotes, ask every prospective company which discounts you may be entitled to. Some of the discounts discussed earlier may not be available in your area. If you would like to choose from a list of insurance companies who offer online auto insurance quotes, enter your zip code here.

How to lower your insurance prices

Many factors are used in the calculation when you get a price on insurance. Some are pretty understandable such as your driving record, although some other factors are more obscure like your vehicle usage and annual miles driven. Consumers need to have an understanding of some of the elements that play a part in calculating the price you pay for insurance coverage. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that may result in lower rates.

The itemized list below are just a few of the factors insurance coverage companies consider when setting your rate level.

• Pay more if you have a long commute – Being located in areas with lower population can be a good thing when trying to find low car insurance rates. Fewer people corresponds to lower accident rates in addition to lower liability claims Urban drivers have congested traffic and much longer commute distances. Longer commute distances can result in more accidents.
• Don’t skimp on liability coverage – A critical coverage on your policy, liability insurance will afford coverage when you are ruled to be at fault for damages from an accident. It will provide legal defense up to the limits shown on your policy. It is affordable coverage compared to insuring for physical damage coverage, so do not cut corners here.
• Costs also based on gender – The statistics show females are less aggressive when driving. That doesn’t necessarily mean that females are better drivers. Males and females cause at-fault accidents at about the same rate, but males cause more damage. Men also tend to have more aggressive citations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 are the most expensive to insure and therefore are the most expensive to insure.
• File policy claims and pay more – Companies award most affordable rates to people who only file infrequent claims. If you’re an insured who likes to file claims you can pretty much guarantee increased rates or even have your policy non-renewed. Your insurance policy is meant to be used in the event of more catestrophic claims.
• Eliminate add-on coverages – Insurance companies have many optional add-on coverages that you can get tricked into buying but may not be useful. Add-on coverages like rental car coverage, towing, and extra life insurance coverage may not be needed and are just wasting money. These may sound like a good investment when talking to your agent, but if you don’t need them eliminate the coverages to reduce your premium.
• Car and home together may be cheaper – Some companies provide discounts for people that buy multiple policies such as combining an auto and homeowners policy. If you currently are using one company, you may still want to compare rates to make sure you are getting the best deal. There is a good possibility that you can save even more than the discount by buying from different companies.
• How your age affects prices – Older people are more cautious drivers, cost insurance companies less in claims and receive fewer citations. Beginning drivers are statistically shown to be less responsible in a vehicle so they pay higher insurance coverage rates.

Situations that may require an agent’s advice

When buying the best insurance coverage, there really is no “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.

• How much liability insurance is required?
• When should I drop full coverage on my 2019 Kia Soul?
• Do I have newly-acquired coverage?
• What vehicles should carry emergency assistance coverage?
• How can I find cheaper teen driver insurance?
• Does my insurance cover damage caused when ticketed for reckless driving?
• What if I owe more than I can insure my car for?
• Is my babysitter covered when using my vehicle?
• Am I covered when driving on a suspended license?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and enter your zip code. It’s fast, free and can provide invaluable advice.

Car insurance 101

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Auto liability

Liability coverage will cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for things like repair bills for other people’s vehicles, emergency aid, loss of income, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like nursing services, chiropractic care, pain medications and prosthetic devices. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This pays for damage to your Soul from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like rolling your car, hitting a mailbox, crashing into a building and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like vandalism, theft, falling objects, hail damage and a broken windshield. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Kia Soul.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Don’t be a big spender

Some auto insurance companies may not have rates over the internet and most of the time these smaller providers prefer to sell through independent agencies. Cheap 2019 Kia Soul insurance is definitely available online in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis.

Consumers leave their current company for many reasons like denial of a claim, poor customer service, not issuing a premium refund and unfair underwriting practices. It doesn’t matter what your reason, choosing a new company is pretty easy and you might even save some money in the process.

You just learned many ideas to lower your 2019 Kia Soul insurance premium rates. The key concept to understand is the more companies you get prices for, the better likelihood of getting cheap insurance coverage. Drivers may discover the lowest priced auto insurance comes from some of the smallest insurance companies.