How to Find Affordable Insurance for your Kia Soul
If shopping your car insurance around was fun, we'd do it much more often. But the premiums we pay always seem to be too high and most of use would rather get a tooth pulled. Cutting the check for each renewal on your Kia Soul might give you the same feeling.
Step One: Insurance Rate Comparison Quotes
The antiquated method of shopping for car insurance included a high pressure visit to the office of your local insurance agent. Now that we have the internet, shopping for car insurance online is a snap!
You can now shop all the best car insurance companies and compare rates for a Kia Soul and you don't even have to visit each individual website!
To find affordable coverage for your Kia Soul, the first step is to click the link below and complete the short form.
Quote Tip! In order to accurately compare rates for your Soul, it's critical that you use the same limits and deductibles for liability and physical damage coverages like comprehensive and collision. If you use different limits, you will not be able to accurately compare rates between carriers.
Step Two: Tried and True Ways to Save on Soul Insurance
There are many contributing factors that determine what you pay to insure your Kia. You can help yourself (and your wallet) by paying attention to the following rate factors.
- You can check your credit score for free once a year, and it's a good idea to address any problems you find. Better credit results in better insurance rates.
- Many insurance companies will give you a small discount if you've recently completed a driver's training course.
- If switching companies, always have the effective date of the new policy be identical to the expiration date on the old policy. This prevents a lapse in coverage and companies charge higher rates if you have any lapses.
- If you are a renter rather than a homeowner, you might pay a little more to insure your car. Owning a home takes financial repsonsibility and insurance companies reward those policy holders.
- If you're over the age of 55, check to see if you qualify for a senior citizen discount. Qualification age may vary by company
- A deductible is the amount you pay before your company pays a comprehensive or collision claim. If you increase your deductibles, you will pay less for these coverages.
- Teen drivers have a tendancy to learn the hard way when driving, and that means having a few fender-benders. Rating them on a high profile newer vehicle can be very expensive so you might consider buying an older model vehicle for them to drive and only insure it with liability coverage.
- If you think the only financial impact of a speeding ticket is a fine and court costs, think again. Insurance companies will raise your rates for up to three years for a single ticket.
- Most Kia vehicles come with standard safety features such as air bags and passive restraints, and those will help keep your insurance costs down.
- A claim-free discount can help keep your rates down, so don't file claims that are only marginally more than your deductible. You're better off keeping the discount.
- Insurance companies pay attention to which vehicles are stolen the most, so if your car is frequently targeted by thieves, chances are good you will pay more for insurance if you live in certain parts of the country.
Step Three: Finalize your Policy Details
Knowing which company to insure your Soul with is more than just choosing the lowest rate. You also need to be ready to put a down payment on your policy and make sure you have all the proper coverages in place.
It's critical that your new policy starts the same day that your old policy ends. If you are cancelling mid-term, make sure there is no lapse in coverage before your new policy kicks in.
Coverage will extend from your current policy if you're buying a Kia Soul, but if you don't have a policy, you will need to make sure you have coverage in place before you drive it off the dealership lot. Be sure to have a new policy ready to go if you are buying a new Soul. If you've never had car insurance or don't have a policy now, you won't have any protection on the vehicle until you add it to your policy.
Once you have purchased your policy, print out the insurance card that must go in your vehicle. This card fulfills the state law requiring you to prove financial responsibility. An SR-22 filing may be required by your state's DMV if you've been convicted of a serious driving offense such as DUI, DWI or reckless driving. If this applies to you, make sure the car insurance company complies with the SR-22 requirement.
Car Insurance Resources
To do more research on car insurance, visit the Insurance Information Institute website.
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