Save on 2020 Kia Soul Insurance Quotes in 2024

Searching for cheaper auto insurance rates for your Kia Soul? There isn’t anyone who anticipates paying for auto insurance, especially knowing the price is too high. Since you have so many options when it comes to auto insurance, it can be hard to find the most affordable insurance company.

Buy auto insurance online

Many insurance companies such as Allstate, GEICO and Progressive make it easy to get insurance quotes on their websites. Getting online rates is possible for anyone because it’s just a matter of typing in the amount of coverage you want into the quote form. After the form is submitted, the quote system collects credit information and your driving record and provides a quote based on the information you submitted. Quoting online makes it easy to compare insurance prices but having to visit several different sites and fill out multiple forms is monotonous and tiresome. But it’s necessary to compare as many rates as possible if you are searching for lower prices.

The smarter way to find better auto insurance pricing requires only one form that obtains quotes from several different companies. It saves time, helps eliminate repetitive entry, and makes comparison shopping much more enjoyable. As soon as you send your information, your coverage is rated with multiple companies and you can pick any or none of the pricing results.

If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The whole process takes 15 minutes at the most and you will know how your current rates stack up.

If you want to find out how much you’re overpaying now, simply enter your zip code here and input your coverage information. If you have your current policy handy, we recommend you replicate the coverages exactly as shown on your declarations page. This way, you will receive an apples-to-apples comparison for exact coverage.

Insurance discounts are available to reduce your rates

Insurance is neither fun to buy or cheap, but there are discounts available that can help lower your rates. Many of these discounts will be applied automatically at the time you complete a quote, but a few must be asked about before you will receive the discount.

• Club Memberships – Being a member of a civic or occupational organization could trigger savings on insurance.
• Multi-car Discount – Purchasing coverage when you have multiple vehicles with the same insurance company can get a discount on all vehicles.
• Anti-lock Brake Discount – Cars and trucks that have anti-lock braking systems have fewer accidents and the ABS can save up to 10%.
• Military Deployment Discount – Being on active deployment in the military may qualify for rate reductions.
• Online Discount – A handful of companies will discount your bill up to fifty bucks for buying your policy over the internet.
• Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts can save a little off the PIP or medical payment premium.
• Savings for New Vehicles – Putting coverage on a new car can cost up to 25% less since newer vehicles are generally safer.
• Good Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% on Soul insurance than their less cautious counterparts.
• Pay Upfront and Save – By paying your policy upfront rather than paying monthly you could save 5% or more.

You can save money using discounts, but most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, it’s just not the way it works.

To locate insurance companies that offer many of these discounts, enter your zip code here.

Everyone needs different car insurance coverages

When buying coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different so this has to be addressed. For example, these questions could help you determine whether or not you might need an agent’s assistance.

• Do I need rental car coverage?
• Do I have coverage if my license is suspended?
• Is a fancy paint job covered?
• What are the best liability limits?
• Are my friends covered when driving my car?
• Am I covered when driving in Canada or Mexico?
• Do I need higher collision deductibles?
• If my 2020 Kia Soul is totaled, can I afford another vehicle?
• Does coverage extend to a rental car in a foreign country?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and enter your zip code. It only takes a few minutes and can provide invaluable advice.

Save money with these tips

Many things are used in the calculation when quoting car insurance. Some are obvious like a motor vehicle report, although some other factors are not quite as obvious like where you live or your commute time.

• Don’t skimp on liability insurance – A critical coverage on your policy, liability insurance provides coverage if ever you are determined to be liable for causing damage or personal injury in an accident. Your liability coverage provides legal defense to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
• Gender matters – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that males are worse at driving than females. Males and females get in fender benders at about the same rate, but males get into accidents with more damage. They also receive more costly citations like DWI (DUI) or reckless driving.
• Combine policies and save – Lots of companies allow discounts to buyers who have multiple policies with them, otherwise known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even with this discount applied, you may still want to compare other company rates to guarantee you are still saving the most. You may still find lower rates even if you have your coverage with different companies.
• Your employer may affect rates – Did you know that where you work can have an impact on rates? Occupations such as fire fighters, social workers and financial analysts tend to have higher average rates attributed to stressful work requirements and lots of time spent away from family. On the flip side, careers like actors, engineers and homemakers have lower than average premiums on Soul insurance.
• No auto insurance policy gaps is important – Driving any period of time without insurance is a big no-no and auto insurance companies will penalize you for letting your coverage have a gap. Not only will you pay higher rates, getting caught without coverage could result in a license revocation or jail time. You may need to prove you have insurance by filing a SR-22 with your state DMV.
• Reduce auto insurance rates by driving safer vehicles – Vehicles that have high safety ratings are cheaper to insure. These vehicles reduce the chance of injuries and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates. If your Kia Soul has at least four stars on Safercar.gov you may qualify for a discount.

Are car insurance companies telling the truth?

Consumers get pounded daily by advertisements that claim the cheapest prices from the likes of Allstate, GEICO and Progressive. They all seem to state the claim about how much you will save just by switching your coverage to them.

How does every company give you a lower rate? Just pay attention to how they say it.

All the different companies are able to cherry pick for the type of customer that is profitable for them. For instance, this type of driver may need to be over the age of 50, has no driving citations, and does not commute to work. A prospective insured that meets those criteria receive the lowest rate quotes and will most likely save when they switch companies.

Potential customers who fall short of these stringent criteria must pay a higher premium and ends up with the customer buying from someone else. Company advertisements say “drivers that switch” not “everyone that quotes” save that much when switching. That is how insurance companies can advertise the way they do.

This emphasizes why you absolutely need to compare price quotes frequently. It’s impossible to know which car insurance company will provide you with the cheapest premium rates.

Coverages available on your insurance policy

Knowing the specifics of insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages offered by insurance companies.

Coverage for collisions

Collision insurance covers damage to your Soul from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sideswiping another vehicle, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Kia Soul.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

This covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as vandalism, damage from a tornado or hurricane and falling objects. The maximum amount 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 not worth carrying full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for X-ray expenses, nursing services, dental work, ambulance fees and doctor visits. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability insurance protects you from damage that occurs to other people or property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

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 liability limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as attorney fees, legal defense fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Be a money saver!

When buying insurance coverage, never buy less coverage just to save a little money. There have been many cases where an insured dropped physical damage coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy a smart amount of coverage at the best cost but still have enough coverage for asset protection.

You just read some good ideas how you can lower your 2020 Kia Soul insurance car insurance rates. The most important thing to understand is the more quotes you get, the better likelihood of getting cheap insurance. Drivers may discover the best car insurance rates are with some of the smallest insurance companies. They may often insure only within specific states and give getter rates compared to the large companies like Allstate and Progressive.