Overpriced Kia Soul insurance can empty your checking account and make it hard to pay other bills. Comparison shopping is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income. Many insurance companies vie for your business, so it can be very hard to choose a provider to get the lowest rate
You need to compare rates at least once a year because rates go up and down regularly. Even if you got the best rates on Soul insurance a few years ago you may be paying too much now. There is a lot of bad information regarding car insurance on the internet, so with this article, you’re going to get some good information on how to find cheap car insurance.
Be sure to get all your discounts
The cost of insuring your cars can be expensive, but there are discounts available that you may not know about. A few discounts will automatically apply when you purchase, but less common discounts must be asked about prior to getting the savings. If you don’t get every credit you qualify for, you are paying more than you should be.
- Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Soul insurance depending on your company.
- Auto/Home Discount – When you have multiple policies with one insurance company you may earn approximately 10% to 15%.
- Defensive Driver – Taking part in a driver safety course could possibly earn you a 5% discount if your company offers it.
- Homeowners Pay Less – Simply owning a home can save you money because maintaining a house shows financial diligence.
- Claim Free – Drivers with accident-free driving histories can save substantially compared to frequent claim filers.
It’s important to note that some credits don’t apply to all coverage premiums. Some only apply to specific coverage prices like comp or med pay. So when it seems like having all the discounts means you get insurance for free, you won’t be that lucky. Any qualifying discounts will cut the amount you have to pay.
To see a list of providers with discount car insurance rates, click this link.
How to Get Car Insurance
Finding a lower price on Kia Soul insurance isn’t really that difficult. The only requirement is to take the time comparing rates from different insurance companies. This can be done using a couple different methods.
- The best way to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This method keeps you from doing repetitive form submissions for each company you want a rate for. A single form will return price quotes from multiple low-cost companies.
- A slightly less efficient method to get quotes online requires you to visit the website of each company and request a quote. For examples sake, let’s say you want to compare GEICO, State Farm and American Family. You would have to take the time to go to each site and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.
It’s your choice how you get your quotes, but make darn sure you compare exactly the same quote information for each price quote. If your comparisons have differing limits it will be very difficult to make an equal comparison.
How do I know if I need professional advice?
When choosing the best car insurance coverage, there really is not a cookie cutter policy. Each situation is unique so this has to be addressed. Here are some questions about coverages that might help in determining if your situation would benefit from professional advice.
- Does having multiple vehicles earn me a discount?
- What are the best liability limits?
- Is my babysitter covered when using my vehicle?
- Why is insurance for a teen driver so high?
- What discounts do I qualify for?
- When do I need to add a new car to my policy?
- What is covered by UM/UIM coverage?
- Does my Kia Soul need full coverage?
- What are the financial responsibility laws in my state?
If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.
Better coverage you can count on
As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced liability limits or collision coverage only to regret they didn’t have enough coverage. Your strategy should be to purchase plenty of coverage for the lowest price.
In this article, we presented a lot of tips how to save on Kia Soul insurance. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the lowest premiums are with the smaller companies. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.
