Save on 2016 Kia Soul EV Car Insurance Quotes in 2024

Looking for better car insurance rates for your Kia Soul EV? Expensive Kia Soul EV insurance can draw down your accounts and make it impossible to make ends meet. Due to the abundance of companies to choose from, it is hard for the average consumer to choose the lowest price car insurance company.

How to buy insurance coverage online

Finding cheap 2016 Kia Soul EV insurance coverage rates isn’t really that difficult. Drivers just need to take time to compare free car insurance quotes online from several insurance companies. Rate comparisons can be done by using one of the methods below.

1. The first (and easiest) way to get quotes is to use a rate comparison form. This easy form eliminates the need for separate quote forms for each company. One simple form gets insurance cost estimates from multiple companies.
2. A slightly less efficient method to compare prices consists of going to the website of each company and get a separate price quote. For examples sake, let’s assume you want comparison quotes from USAA, State Farm and American Family. To do that, you would have to navigate to each company’s site and enter your policy data, which can take a lot of time.

You can use whichever method you prefer to find lower rates, just make sure you use equivalent quote data for every quote you compare. If each company quotes differing limits it’s not possible to make an equal comparison.

Drivers save money with these money-saving discounts

Properly insuring your vehicles can get expensive, but you may be missing some discounts that you may not even know about. Larger premium reductions will be automatically applied at the time of quoting, but a few must be specifically requested before being credited.

• New Car Discount – Putting coverage on a new car is cheaper because new vehicles keep occupants safer.
• Anti-theft Discount – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will qualify for a discount on a car insurance quote.
• Seat Belts Save – Forcing all vehicle occupants to fasten their seat belts can save a little on the medical payments or PIP coverage costs.
• Organization Discounts – Joining certain professional organizations could trigger savings when shopping for insurance coverage.
• Low Miles Discount – Low annual miles could earn lower premium rates on the low mileage vehicles.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Most cut individual premiums such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

Popular insurance coverage companies and the discounts they provide can be read below.

• Progressive has discounts for online quote discount, online signing, homeowner, multi-policy, multi-vehicle, good student, and continuous coverage.
• The Hartford may have discounts that include anti-theft, air bag, good student, vehicle fuel type, defensive driver, driver training, and bundle.
• Mercury Insurance offers discounts including annual mileage, good student, professional/association, location of vehicle, multi-car, multi-policy, and ease of repair.
• GEICO may include discounts for federal employee, seat belt use, defensive driver, air bags, daytime running lights, and five-year accident-free.
• AAA discounts include AAA membership discount, multi-car, pay-in-full, good student, anti-theft, education and occupation, and multi-policy.
• State Farm has savings for accident-free, Drive Safe & Save, passive restraint, anti-theft, and student away at school.

When getting a coverage quote, ask each company to give you their best rates. Some credits may not be available in your area. If you would like to view companies that provide some of the discounts listed above, enter your zip code here.

Do I need special coverages?

When choosing adequate coverage, there really is no best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that can aid in determining whether your personal situation will benefit from professional help.

• Is my camper covered by my car insurance policy?
• Is my teenager covered with friends in the car?
• Why am I be forced to buy a membership to get insurance from some companies?
• Is borrowed equipment or tools covered if stolen or damaged?
• Do I pay less for low miles?
• If I drive on a suspended license am I covered?
• Who is covered by my policy?
• Is there coverage for injuries to my pets?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete your zip code. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance policy specifics

Learning about specific coverages of a car insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages available from car insurance companies.

Liability – This protects you from injuries or damage you cause to other people or property. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

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 liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against claims such as loss of income, funeral expenses, repair bills for other people’s vehicles, structural damage and court costs. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for expenses for pain medications, prosthetic devices, nursing services and ambulance fees. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision – This coverage pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as scraping a guard rail, colliding with another moving vehicle, hitting a parking meter, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to bump up the deductible to bring the cost down.

Comprehensive car insurance – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, a broken windshield and fire damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – This provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Kia Soul EV.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Take this to the bank

Some insurance companies don’t offer online price quotes and many times these regional carriers only sell through independent insurance agents. Low-cost 2016 Kia Soul EV insurance can be sourced online in addition to local insurance agencies, so you need to compare both in order to have the best price selection to choose from.

Throughout this article, we presented some good ideas how you can compare 2016 Kia Soul EV insurance rates online. The key thing to remember is the more companies you get car insurance rates for, the higher your chance of finding affordable car insurance. Drivers may discover the lowest rates come from a small mutual company. These companies may have significantly lower car insurance rates on certain market segments than their larger competitors like Progressive and GEICO.