Best Ways to Save on Kansas City Kia Soul Insurance

Do you want more affordable Kia Soul insurance in Kansas City? Finding better insurance prices for a new or used Kia Soul in Missouri can normally be a lot of work, but you can use these tips to make it easier.

There is a better way to compare car insurance rates and we’ll show you the proper way to get price quotes for a Kia and locate the lowest price from Kansas City insurance agents and online providers.

It’s astonishing, but the vast majority of drivers have stayed with the same insurance company for over three years, and approximately 40% of consumers have never compared rate quotes at all. Many drivers in Kansas City could save approximately $323 a year by just comparing rate quotes, but they just don’t understand how easy it is to find cheaper rates by getting comparison quotes.

If you have insurance now or want to find a cheaper company, you can follow these tips to cut your premiums without reducing protection. Obtaining price quotes for the best-priced auto insurance policy in Kansas City is easy to do. Smart buyers just have to use the most efficient way to compare rates online.

Car insurance providers offering competitive price quotes in Missouri

The following companies provide price comparisons in Kansas City, MO. If multiple companies are listed, we suggest you compare several of them to get the best price comparison.

Statistics and details

The premium information below highlights estimates of insurance premium costs for Kia Soul models. Having knowledge of how policy premiums are calculated is important for making informed coverage decisions.

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Premium costs do not factor in specific zip code location which can raise or lower insurance rates greatly.

Policy deductible comparison

When shopping for car insurance, a common question is how low should you set your deductibles. The rates below may help to illustrate the price difference when you choose different insurance deductibles. The first rate estimation uses a $100 deductible for physical damage and the second pricing table uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Prices do not factor in your specific Kansas City location which can decrease or increase coverage prices significantly.

Based on the figures above, using a $100 deductible costs roughly $27 more each month or $324 for a full year averaged for all Soul models than buying the higher $1,000 deductible. Because you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 33 months between claim filings, you would save money if you opt for a higher deductible.

The example below demonstrates how choosing different deductibles and can increase or decrease Kia Soul yearly insurance costs for each age group. The prices are based on a married male driver, full physical damage coverage, and no discounts are factored in.

Impact of careless driving on car insurance rates

The example below highlights how speeding tickets and accidents can drive up Kia Soul auto insurance rates for different ages of insureds. The premiums are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

Gender-based car insurance premiums in Kansas City

The diagram below illustrates the comparison of Kia Soul yearly insurance costs for male and female drivers. The premium estimates are based on no claims or driving violations, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are applied.

These seven discounts can slash Kia Soul insurance rates

Insuring your fleet can be pricey, but discounts can save money and there are some available to cut the cost considerably. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be inquired about in order for you to get them.

• College Student Discount – Youth drivers who live away from home at college without a vehicle on campus may be insured at a cheaper rate.
• Memberships – Joining a professional or civic organization could trigger savings on your bill.
• Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can receive discounts as much as 30%.
• Active Service Discounts – Having a family member in the military could trigger a small discount.
• No Charge for an Accident – Not necessarily a discount, but certain companies will turn a blind eye to one accident without raising rates if you are claim-free prior to being involved in the accident.
• Low Mileage Discounts – Low annual miles could earn lower prices due to less chance of an accident.
• Cautious Driver Discount – Insureds without accidents could pay up to 40% less compared to rates paid by drivers with frequent claims.

Don’t be surprised that some of the credits will not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, that’s just not realistic.

The example below shows the difference between Kia Soul insurance premiums with and without discounts applied to the premium. The information is based on a male driver, a clean driving record, no at-fault accidents, Missouri state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, marriage, multi-car, safe-driver, and homeowner discounts applied.

A few popular companies and a summarized list of policyholder discounts are included below.

• State Farm may include discounts for defensive driving training, multiple autos, student away at school, accident-free, driver’s education, good student, and anti-theft.
• Esurance may have discounts that include online shopper, online quote, renters, safety device, Switch & Save, DriveSense, and paid-in-full.
• Progressive offers discounts for online signing, homeowner, multi-policy, good student, and continuous coverage.
• Liberty Mutual offers premium reductions for multi-policy, new vehicle discount, multi-car, exclusive group savings, hybrid vehicle, and safety features.
• Auto-Owners Insurance includes discounts for air bags, company car, mature driver, teen driver, and anti-lock brakes.
• GEICO offers discounts including anti-theft, multi-policy, defensive driver, membership and employees, and anti-lock brakes.

If you need lower rates, check with each company how many discounts you can get. Some credits may not apply to policyholders in Kansas City. If you would like to view insurers with the best Kia Soul insurance discounts in Kansas City, click here.

Situations that may require an agent’s advice

When buying your policy for your vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions can aid in determining whether or not you may require specific advice.

• Is my dog or cat covered if injured in an accident?
• Is my Kia Soul covered if I use it for business?
• How long can I keep a teen driver on my policy?
• Exactly who is provided coverage by my policy?
• How much liability do I need to cover my assets?
• Am I covered when driving a rental car?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance agent or online?

Some consumers just prefer to get advice from a local agent and often times that is recommended Most agents can help determine the best coverages and help file insurance claims. The best thing about getting online price quotes is the fact that drivers can get lower rates but still work with a licensed agent. And buying from local agents is especially important in Kansas City.

After completing this quick form, the quote information is instantly submitted to insurance agents in Kansas City that provide free Kansas City car insurance quotes for your insurance coverage. It makes it easy because there is no need to find an agent on your own as quotes are delivered directly to you. If you want to quote rates from a specific insurance company, you can always jump over to their website and submit a quote form there.

Finding the right insurer shouldn’t rely on just the premium amount. Agents should be asked these questions:

• Is there any savings for paying the full premium?
• Do they have 24-hour customer assistance?
• Did they already check your driving record and credit reports?
• How often do they review coverages?
• Do they have cheaper tiers of coverage?
• By raising physical damage deductibles, how much would you save?

Learn about auto insurance coverages for a Kia Soul

Knowing the specifics of your auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Auto liability – This provides protection from injuries or damage you cause to other’s property or people by causing an accident. 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. You commonly see policy limits of 25/50/10 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and $10,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things such as medical expenses, emergency aid, funeral expenses, repair bills for other people’s vehicles and bail bonds. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford. Missouri requires drivers to carry at least 25/50/10 but you should think about purchasing more liability than the minimum.

The next chart demonstrates why the minimum limit may not be enough.

Collision – This coverage will pay to fix damage to your Soul resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a building, rolling your car, hitting a mailbox, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible on your Soul in order to get cheaper collision rates.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, damage from a tornado or hurricane, a tree branch falling on your vehicle and a broken windshield. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as chiropractic care, surgery, nursing services and dental work. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Kia Soul.

Since many Missouri drivers have only the minimum liability required by law (which is 25/50/10), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually these coverages are identical to your policy’s liability coverage.

More comparisons equals affordable rates

Consumers who switch companies do it for a variety of reasons including extreme rates for teen drivers, denial of a claim, being labeled a high risk driver and even lack of trust in their agent. It doesn’t matter what your reason, choosing a new company is easier than you think.

We just presented many ideas to shop for Kia Soul insurance online. The key thing to remember is the more providers you compare, the higher your chance of finding inexpensive Kansas City car insurance quotes. Drivers may even discover the biggest savings come from some of the smallest insurance companies.

Lower-priced auto insurance in Kansas City is possible both online and from local insurance agents, and you should be comparing both so you have a total pricing picture. Some companies do not offer rates over the internet and most of the time these smaller providers prefer to sell through local independent agents.

Steps to buying cheaper Kia Soul insurance in Kansas City

The recommended way to get budget Kia Soul insurance in Kansas City is to start comparing prices regularly from different companies who can sell car insurance in Missouri. This can be done by following these guidelines.

Step 1: Try to learn about individual coverages and the measures you can control to prevent rate increases. Many risk factors that result in higher prices such as tickets, at-fault accidents, and a substandard credit score can be eliminated by improving your driving habits or financial responsibility.

Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from one company like Progressive and State Farm, while independent agents can provide rate quotes for many different companies.

Step 3: Compare the new rate quotes to your existing policy and determine if cheaper Soul coverage is available. If you find a better price and change companies, ensure there is no coverage lapse between policies.

Step 4: Notify your current company to cancel your current coverage and submit the application along with any required down payment to the new company. Immediately safely store the certificate verifying proof of insurance in an accessible location in your vehicle.

A key point to remember is that you use the same deductibles and limits on every price quote and and to get quotes from all possible companies. Doing this guarantees a fair price comparison and the most accurate and complete price analysis.

More information

• Older Drivers FAQ (iihs.org)
• What Auto Insurance is Cheapest for Good Drivers in Kansas City? (FAQ)
• What Insurance is Cheapest for Low Credit Scores in Kansas City? (FAQ)
• Get the Right Protection (InsureUonline.org)
• Rental Reimbursement Coverage (Allstate)
• Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
• Side Impact Crash Tests (iihs.org)