Best Ways to Save on Irvine Kia Soul Insurance

Insurance rates Kia Soul in IrvineAre you researching more competitive Kia Soul insurance in Irvine? Searching for the cheapest insurance for a Kia Soul in California can be a lot of work, but you can learn these tips to save time.

There are both good and bad ways to compare auto insurance rates so we’re going to tell you the proper way to price shop coverage for a Kia and obtain the lowest price either online or from Irvine insurance agents.

If you are insured now or are just looking to switch companies, use these techniques to buy cheaper auto insurance and still get good coverage. Finding and buying the best coverage in Irvine is not as hard as you think. Smart buyers just need to know the most efficient way to compare rate quotes online.

Most of the larger companies such as GEICO, State Farm and Progressive give coverage prices from their websites. Getting online quotes for Kia Soul insurance in Irvine doesn’t take much effort as you just type in your required coverages into the quote form. Upon sending the form, their quoting system pulls credit information and your driving record and returns pricing information based on these and other factors.

Getting online price quotes for Kia Soul insurance in Irvine simplifies rate comparisons, and it is imperative to do this in order to find the lowest payment.

If you want to find out what other companies charge, take a look at the companies shown below. To compare your current rates, we recommend that you enter the limits and deductibles as shown on your current policy. This way, you are getting rate comparison quotes for similar coverage.

The companies shown below have been selected to offer free rate quotes in California. If you wish to find cheap car insurance in CA, we recommend you visit several of them to get the cheapest price.

Rates and statistics

The coverage table displayed below highlights detailed analysis of insurance prices for Kia Soul models. Having a better understanding of how insurance prices are figured helps drivers make smart choices when selecting a coverage provider.

Kia Soul Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $390 $576 $578 $34 $174 $1,752 $146
Soul Plus $390 $576 $578 $34 $174 $1,752 $146
Soul Exclaim $440 $576 $578 $34 $174 $1,802 $150
Soul Sport $440 $576 $578 $34 $174 $1,802 $150
Get Your Own Custom Quote Go

Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in specific Irvine garaging location which can lower or raise price quotes noticeably.

Physical damage deductible comparison

One of the hardest decisions when shopping for auto insurance is how low should you set your deductibles. The premium rates below lay out the difference in cost when you buy lower versus higher physical damage coverage deductibles. The first set of rates uses a $100 physical damage deductible and the second price chart uses a $500 deductible.

Kia Soul insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $380 $686 $442 $26 $132 $1,691 $141
Soul Plus $380 $686 $442 $26 $132 $1,691 $141
Soul Exclaim $430 $686 $442 $26 $132 $1,741 $145
Soul Sport $430 $686 $442 $26 $132 $1,741 $145
Get Your Own Custom Quote Go

Kia Soul insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $278 $464 $442 $26 $132 $1,342 $112
Soul Plus $278 $464 $442 $26 $132 $1,342 $112
Soul Exclaim $314 $464 $442 $26 $132 $1,378 $115
Soul Sport $314 $464 $442 $26 $132 $1,378 $115
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Estimates do not factor in specific garaging location which can decrease or increase price quotes significantly.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs roughly $29 more each month or $348 every year than choosing the higher $500 deductible. Since you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to average more than 14 months between claim filings, you would save more money by selecting a higher deductible. The illustration below shows an example of how you can come to your own conclusion.

Average monthly premium for $100 deductibles: $143
Average monthly premium for $500 deductibles (subtract): – $114
Monthly savings from raising deductible: $29
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One thing to be aware of is that raising deductibles results in a higher out-of-pocket expense when you have a comprehensive or collision claim. That will force you to have some funds available in the event you need to pay the deductible for vehicle repair.

The diagram below demonstrates how deductibles and can raise or lower Kia Soul insurance prices for different age categories. Data assumes a married male driver, full coverage, and no additional discounts are factored in.

Bad driving habits will cost you more

The example below demonstrates how speeding tickets and fender-benders increase Kia Soul auto insurance rates for each age group. The rate quotes are based on a married female driver, full coverage, $250 deductibles, and no discounts are applied to the premium.

Age, gender, and Kia Soul insurance

The information below compares Kia Soul insurance rates for male and female drivers. The rates are based on no claims, a clean driving record, full physical damage coverage, $100 deductibles, marital status is single, and no discounts are applied.

Auto insurance just makes sense

Even though it can be expensive, buying auto insurance is required for several reasons.

The benefits of buying auto insurance greatly outweigh the cost, especially when you need to use it. But the average American driver is overpaying over $820 a year so it’s recommended you shop around each time the policy renews to save money.

Car insurance coverages for a Kia Soul

Having a good grasp of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Kia Soul.

Because many people only purchase the least amount of liability that is required (California limits are 15/30/5), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits are set the same as your liability limits.

Coverage for collisions

Collision insurance covers damage to your Soul from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like driving through your garage door, backing into a parked car and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also choose a higher deductible on your Soul in order to get cheaper collision rates.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like dental work, rehabilitation expenses, hospital visits and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from flooding, vandalism, hitting a deer, falling objects and hail damage. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability

Liability insurance protects you from injuries or damage you cause to people or other property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 15/30/5 which means a $15,000 limit per person for injuries, a total of $30,000 of bodily injury coverage per accident, and a limit of $5,000 paid for damaged property. Another option is a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims like structural damage, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible. California requires drivers to carry at least 15/30/5 but it’s recommended drivers buy higher limits.

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