Compare Kia Soul Insurance Quotes in San Diego

Would you like to stop wasting money and find more competitive Kia Soul insurance in San Diego? Are you sick and tired of sacrificing to make your auto insurance payment? You have the same problem as most other vehicle owners in California.

It’s hard to fathom, but most California auto insurance customers have stayed with the same insurance company for more than four years, and nearly 40% of drivers have never quoted rates to find affordable coverage. Consumers in America could save an average of almost $850 each year by just shopping around, but most just don’t grasp the amount of money they would save if they switch to a new company.

With vehicle owners having so many choices of insurance companies that have cheaper insurance for a Kia Soul in San Diego, it can be diffult for drivers to choose the most cost effective company.

Consumers should take time to quote other rates once or twice a year because prices are usually higher with each renewal. Even if you got the lowest rates on Kia Soul insurance in San Diego a few years ago the chances are good that you can find a lower premium rate today. Forget all the misinformation about auto insurance because you’re about to find out how to use the internet to buy cheaper Kia Soul insurance in San Diego.

This information will teach you a little about how car insurance works and how you can save the most money. If you have insurance now, you will be able to find the best rates using this information. Nevertheless, California consumers must understand how insurance companies sell insurance online because it can help you find the best coverage.

How Your Soul Insurance Rates are Determined

Lots of factors are considered when you get a price on insurance. Some are pretty understandable such as traffic violations, but other factors are less obvious such as your marital status or your vehicle rating.

Listed below are a partial list of the pieces used by your company to calculate premiums.

• Performance impacts premiums – The performance level of the car you need insurance for makes a big difference in your auto insurance rates. The cheapest rates are usually found on low performance passenger cars, but many other things help determine your insurance rates. Due to the fact that the Kia Soul is classified as a passenger car, rates will be similar in price or lower than the average rate where you live in San Diego.
• Rural vs Urban Areas – Living in a rural area can save you money when talking about car insurance. Lower population corresponds to lower accident rates and lower theft and vandalism rates. City drivers regularly have more road rage incidents and much longer commute distances. Spending more time driving means more chance of being in an accident.
• If you don’t need it don’t buy it – There are quite a few additional extra coverages that you can get tricked into buying if you don’t pay attention. Insurance for replacement cost coverage, towing, and extra equipment coverage could be just wasting money. These coverages may sound good when deciding what coverages you need, but if you’ve never needed them in the past remove them and pocket the money.
• Reserve claims for larger damages – If you file a lot of claims don’t be surprised to see increased rates or even have your policy non-renewed. Companies in California provide lower rates to policyholders who do not file claims often. Your car insurance is meant to be used in the event of claims that pose a financial burden.
• Do you work long hours in a tough vocation? – Do you work in a high-stress field? Jobs such as real estate brokers, executives and accountants are shown to have higher average rates attributed to high stress levels and lots of time spent at work. On the other hand, jobs like farmers, historians and the unemployed receive lower rates.
• Getting married reduces risk – Having a wife or husband actually saves money on car insurance. Marriage translates into being more responsible and it’s statistically proven that drivers who are married are more cautious.
• Kia Soul claim probability – Insurance companies take into consideration insurance loss statistics for every vehicle as a way to help calculate a profitable premium price. Vehicles that statistically have higher frequency or amount of claims will have higher rates. The next table illustrates the compiled insurance loss statistics for Kia Soul vehicles.

  For each coverage type, the claim probability for all vehicles, regardless of manufacturer or model, is set at 100. Numbers that are below 100 indicate better than average losses, while values that are above 100 point to more frequent losses or larger claims.

  Kia Soul Insurance Loss Statistics

  Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Kia Soul	89	98	84	138	138	118

  BETTER

  AVERAGE

  WORSE

  Statistics from IIHS.org for 2013-2015 Model Years

Keep in mind that getting more free quotes helps locate more affordable insurance.

The companies shown below can provide comparison quotes in California. If multiple companies are shown, we recommend you get prices from several of them to find the most competitive auto insurance rates.

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rates do not factor in specific San Diego garaging location which can impact premiums substantially.

Raise deductibles and save

One frequently asked question is where should you set your physical damage deductibles. The comparisons below can help illustrate the differences in premium rates when you buy lower versus higher policy deductibles. The first rate table uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can decrease or increase auto insurance rates considerably.

Based on the data above, we can derive that using a $250 deductible costs an average of $32 more each month or $384 each year than choosing the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 23 months between claims, you would save more money if you elect the higher deductible.

Choosing deductibles

The information below shows how choosing a deductible and can influence Kia Soul premium costs for different age groups of insureds. The premiums are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.

Cautious San Diego drivers save money

The illustration below shows how violations and at-fault fender-benders can affect Kia Soul insurance prices for different age categories. The information is based on a married female driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.

Why you need insurance for your Soul

Despite the fact that insurance is not cheap in San Diego, insuring your vehicle serves a purpose in several ways.

• Almost all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific minimum amounts of liability insurance in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you bought your Soul with a loan, more than likely the lender will make it a condition of the loan that you buy insurance to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank may buy a policy for your Kia at a more expensive rate and force you to pay a much higher amount than you were paying before.
• Insurance protects not only your Kia but also your financial assets. It also can pay for medical expenses for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, will also pay for a defense attorney in the event you are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.

The benefits of carrying enough insurance are without a doubt worth the cost, particularly for liability claims. Today the average American driver is wasting up to $869 every year so it’s very important to do a rate comparison once a year at a minimum to ensure rates are inline.

San Diego insurance discounts

The price of auto insurance can be rather high, but there may be some discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you purchase, but once in a while a discount must be specially asked for prior to getting the savings. If you aren’t receiving every discount possible, you are paying more than you should be.

• Drivers Ed for Students – It’s a good idea to have your young drivers enroll and complete driver’s education in high school.
• Auto/Home Discount – If you combine your homeowners and auto policies and place coverage with the same company you could earn a discount of up to 20% and get you cheaper Soul insurance.
• Discounts for Responsible Drivers – Drivers who don’t get into accidents can pay as much as 50% less compared to rates paid by drivers with frequent claims.
• Service Members Pay Less – Being deployed in the military may qualify for rate reductions.
• Accident Free – Insureds who avoid accidents and claims can save substantially in comparison to frequent claim filers.
• Full Payment Discount – By paying your entire bill at once rather than paying monthly you may reduce your total bill.

Policy discounts save money, but many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like comp or med pay. Even though the math looks like you can get free auto insurance, insurance companies aren’t that generous. Any qualifying discounts will lower your premiums.

The best insurance companies and their possible discounts are detailed below.

• Progressive offers discounts for online signing, homeowner, online quote discount, good student, continuous coverage, multi-policy, and multi-vehicle.
• SAFECO discounts include teen safe driver, homeowner, anti-theft, safe driver, teen safety rewards, and anti-lock brakes.
• American Family policyholders can earn discounts including mySafetyValet, good student, TimeAway discount, air bags, bundled insurance, defensive driver, and Steer into Savings.
• MetLife may offer discounts for multi-policy, defensive driver, accident-free, good student, and claim-free.
• GEICO has discounts for daytime running lights, seat belt use, anti-lock brakes, driver training, defensive driver, and multi-vehicle.
• The Hartford includes discounts for anti-theft, air bag, good student, vehicle fuel type, defensive driver, bundle, and driver training.

Before purchasing a policy, check with every insurance company to give you their best rates. Some discounts listed above may not apply to policies in your area. To see a list of insurance companies with discount rates in California, click this link.

Get rate quotes but buy from a local San Diego insurance agent

A small number of people would rather buy from a licensed agent and that is a smart decision The biggest benefit of comparing rate quotes online is you can get lower rates and still choose a local agent. Putting coverage with local insurance agents is important particularly in San Diego.

Once you complete this simple form, the coverage information is submitted to insurance agents in San Diego that provide free San Diego auto insurance quotes to get your business. It simplifies rate comparisons since you won’t have to contact any agents because prices are sent to you instantly. You’ll get the best rates without requiring a lot of work. If you want to get a price quote from a particular provider, feel free to jump over to their website and give them your coverage information.

What types of car insurance agents are in San Diego?

If you’re trying to find a reliable insurance agent, you need to know there are two different types of agents that differ in how they can insure your vehicles. Car insurance agents are considered either independent agents or exclusive agents depending on their employer.

Independent Agencies or Brokers

These type of agents can quote rates with many companies and that gives them the ability to insure through lots of different companies and find you the best rates. If your premiums go up, they simply move your policy to a different company and that require little work on your part.

If you need lower rates, it’s recommended you include rate quotes from at least one independent agent so that you have a good selection of quotes to compare.

Below is a list of independent insurance agents in San Diego who can help you get price quotes.

View more San Diego agents

Exclusive Insurance Agents

Exclusive agencies can only quote rates from one company and examples are AAA, Allstate, and State Farm. Exclusive agencies are unable to shop your coverage around so they are skilled at selling on more than just price. Exclusive agencies are very knowledgeable on sales techniques and that can be a competitive advantage.

Below is a list of exclusive insurance agencies in San Diego that are able to give comparison quotes.

View more San Diego agents

Finding the right auto insurance agent needs to be determined by more than just a cheap quote. Any agent in San Diego should be forthright in answering these questions:

• Are aftermarket or OEM parts used to repair vehicles?
• Do the coverages you’re quoting properly cover your vehicle?
• Are all drivers listed on the coverage quote?
• Are they in the agency full-time?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?

Tailor your car insurance coverage to you

Always remember that when buying a policy, there really isn’t a “best” method to buy coverage. Your needs are unique to you.

These are some specific questions might help in determining if your situation will benefit from professional help.

• What happens if I owe more than my Kia Soul is worth?
• Should I carry comprehensive and collision coverage?
• Do I benefit by insuring my home with the same company?
• What does UM/UIM cover?
• Which companies will insure high-risk drivers?
• Does my Kia Soul need full coverage?
• Is motorclub coverage worth it?
• If my Kia Soul is totaled, can I afford another vehicle?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form.

Do the work, save more money

You just read many ideas to compare Kia Soul insurance rates in San Diego. The key concept to understand is the more you quote San Diego auto insurance, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest priced auto insurance comes from a small local company.

When searching for the cheapest Kia Soul rate quotes, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where someone dropped full coverage and discovered at claim time that they should have had better coverage. The aim is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Lower-priced auto insurance in San Diego can be purchased both online in addition to local insurance agencies, so get free San Diego auto insurance quotes from both of them in order to have the best price selection to choose from. Some insurance providers may not provide rate quotes online and many times these regional insurance providers sell through independent agents.

More information

• Prom Night Tips for Teen Drivers (State Farm)
• Who Has Affordable Auto Insurance Quotes for 19 Year Olds in San Diego? (FAQ)
• How Much is Auto Insurance for a Jeep Grand Cherokee in San Diego? (FAQ)
• State Car Insurance Guides (GEICO)
• Young Drivers: The High Risk Years Video (iihs.org)
• Insurance losses by make and model (Insurance Institute for Highway Safety)
• Choosing a Car for Your Teen (State Farm)