Lower Your 2021 Kia Soul Car Insurance Rates in 2024

Searching for cheaper insurance rates for your Kia Soul? Finding cheaper car insurance quotes online probably sounds like a formidable task if you’ve never received online quotes. But keep reading because finding cheaper prices is easier than you think.

What impacts Kia Soul insurance prices?

Part of the insurance buying process is learning a few of the rating criteria that are used to determine the price you pay for insurance. If you know what positively or negatively impacts your premiums, this enables you to make decisions that can earn you lower rates.

• Tickets and citations cost more than a fine – How you drive can have a huge impact on auto insurance premiums. Having just one speeding ticket can increase the cost of insurance substantially. Attentive drivers get better prices than bad drivers. Drivers who have received license-revoking violations such as DWI, reckless driving or hit and run convictions may face state-mandated requirements to file a SR-22 with their state in order to prevent their license from being revoked.
• Is you occupation costing you more? – Occupations such as lawyers, police officers and financial analysts have higher rates than average due to intense work requirements and long work hours. Conversely, occupations such as scientists, engineers and homemakers pay the least for Soul insurance.
• Always have insurance – Allowing your insurance policy to lapse is a fast way to increase your insurance rates. And not only will your rates increase, failure to provide proof of insurance may result in a fine, jail time, or a revoked license. Then you may be required to file a SR-22 with your state motor vehicle department.
• Insurance rates and age – Beginning drivers are statistically shown to be easily distracted behind the wheel and because of this, their insurance rates are much higher. Parents adding a young driver onto a policy can increase premiums substantially. More mature drivers are more responsible, tend to file fewer claims .

How to compare free insurance coverage rate quotes

Comparing insurance coverage rates can be challenging if you don’t know the best way to get rate quotes. You could waste a few hours talking to local insurance agents in your area, or you can stay home and use online quoting to achieve your goal.

Many of the larger companies belong to an insurance system that allows shoppers to enter their coverage request one time, and every company then gives them pricing for coverage. This saves time by eliminating repetitive form submissions for every insurance coverage company.

To compare pricing enter your zip code here.

The one downside to pricing coverage this way is you are unable to specify which providers to get pricing from. If you would rather choose specific providers for rate comparison, we put together a list of insurance coverage companies in your area. Click to enter zip code for insurance companies.

Compare rates however you want, just be certain you are entering the same coverage limits on every quote. If you compare mixed coverages it will be next to impossible to make a fair rate comparison. Slightly different limits may result in large price differences. Keep in mind that more quotes provides better odds of finding a lower rate.

Smaller companies may have the best rates

Well-known insurance coverage companies like Progressive, Allstate and GEICO endlessly run television, radio, and online ads. All the ads state the claim about how much you will save if you change your coverage to them. How is it possible that every company can give you a better price? You have to listen carefully.

All companies have a preferred profile for the type of driver that will most likely be profitable. For instance, a profitable insured might have to be a mature driver, has a low-risk occupation, and chooses high deductibles. Any customer that meets those criteria receives the best prices and as a result will probably save some money.

Insureds who are not a match for the “perfect” profile must pay higher prices which leads to business going elsewhere. Company advertisements say “customers who switch” not “everyone that quotes” save that kind of money. That is how insurance companies can confidently make those claims. This really illustrates why you should do a price quote comparison at every renewal. Because you cannot predict which insurance coverage company will be your best fit.

These discounts can lower your insurance rates

The cost of insuring your cars can be expensive, but you might find some hidden discounts that you may not know about. Certain discounts will be triggered automatically at quote time, but occasionally some discounts must be asked for before you get the savings.

• Good Drivers – Safe drivers may save up to 50% more for Soul insurance than their less cautious counterparts.
• Military Rewards – Being deployed with a military unit may qualify for rate reductions.
• Early Renewal Discounts – A few larger companies allow discounts for switching to them prior to your current policy expiring. This discount can save up to 10%.
• Student Discount for Driver Training – It’s a good idea to have your young drivers take driver’s ed class if offered at their school.
• First Accident Forgiveness – Not necessarily a discount, but a few companies such as Allstate and GEICO may permit one accident without getting socked with a rate hike so long as you haven’t had any claims for a certain period of time.
• Policy Bundle Discount – If you insure your home and vehicles with one insurance company you will save nearly 15% which can help you find low cost car insurance.
• Telematics Data Discounts – People who choose to allow driving data collection to analyze where and when they drive remotely such as State Farm’s In-Drive could save a few bucks as long as they are good drivers.
• Own a Home and Save – Owning a house may trigger a policy discount on insurance since home ownership demonstrates responsibility.

As is typical with insurance, most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as collision or personal injury protection. Despite the appearance that you would end up receiving a 100% discount, it just doesn’t work that way.

A partial list of companies that have many of the previously listed discounts include:

• Farmers Insurance
• Esurance
• State Farm
• GEICO
• Allstate

When getting a coverage quote, ask every insurance company which discounts you may be entitled to. Savings might not be available to policyholders in your area. For a list of companies that can offer you the previously mentioned discounts, enter your zip code here.

Different people need different insurance coverage coverages

When buying the best insurance coverage coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining whether or not you might need professional guidance.

• What if I owe more than I can insure my car for?
• Are my friends covered when driving my 2021 Kia Soul?
• Should I buy full coverage?
• I have health insurance so do I need medical payments coverage?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Does car insurance cover theft of personal property?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, simply complete your zip code.

Insurance coverage breakdown

Having a good grasp of insurance can help you determine the right coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your Kia Soul.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like X-ray expenses, pain medications, dental work, funeral costs and EMT expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability coverages

Liability coverage will cover injuries or damage you cause to people or other property. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property.

Liability coverage pays for claims like court costs, medical services, funeral expenses and repair bills for other people’s vehicles. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision insurance

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

Collision can pay for claims such as damaging your car on a curb, driving through your garage door and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a deer, vandalism, theft and damage from flooding. The highest amount 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.

Save your cold hard cash

Some companies may not offer internet price quotes and most of the time these small, regional companies only sell coverage through independent insurance agents. Cheaper 2021 Kia Soul insurance is available both online and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from.

We just presented some good ideas how you can save on 2021 Kia Soul insurance. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the best price on auto insurance is with an unexpected company.

When getting car insurance quotes online, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible at a price you can afford but still have enough coverage for asset protection.