How to Save on Kia Soul Insurance in Arlington

Discount Kia Soul insuranceIt takes a little time, but the best way to find cheaper Kia Soul insurance is to regularly compare prices from companies that sell auto insurance in Arlington.

An important part of this process is to compare the same physical damage deductibles and liability limits on every quote request and and to get prices from every company you can. Doing this enables an apples-to-apples comparison and many rates to choose from.

Anyone knows that car insurance companies don’t want customers comparing rates. Consumers who shop for lower prices will presumably switch car insurance companies because the odds are good of getting low-cost coverage. A study showed that drivers who compared rates once a year saved an average of $70 a month compared to those who never shopped around for better prices.

If finding the cheapest rates on car insurance is your goal, then learning about how to find and compare insurance rates can make it simple to find affordable coverage.

Finding the cheapest auto insurance coverage in Arlington is actually quite simple. If you have insurance now or are just looking to switch companies, use these tips to shop for the lowest rates without having to cut coverage. Smart shoppers just have to know how to shop their coverage around from many different companies.

Auto insurance providers offering low-cost rate quotes in Texas

The auto insurance companies shown below offer free quotes in Texas. If multiple companies are listed, we suggest you visit two to three different companies to get the most affordable price.

Data for Kia Soul insurance

The coverage information shown below outlines different coverage prices for Kia Soul models. Having a good grasp of how policy premiums are established can help you make decisions on the best policy to buy.

Kia Soul Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $282 $560 $496 $30 $148 $1,516 $126
Soul Plus $282 $560 $496 $30 $148 $1,516 $126
Soul Exclaim $318 $560 $496 $30 $148 $1,552 $129
Soul Sport $318 $560 $496 $30 $148 $1,552 $129
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rate information does not factor in specific garaging location which can revise price quotes noticeably.

Physical damage deductibles: Should you raise them?

One of the hardest decisions when shopping for insurance is which comprehensive and collision deductibles to buy. The tables below can help show the rate fluctuation when you select higher and lower insurance deductibles. The first data table uses a $250 deductible for physical damage and the second price table uses a $500 deductible.

Kia Soul insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $294 $496 $382 $22 $114 $1,333 $111
Soul Plus $294 $496 $382 $22 $114 $1,333 $111
Soul Exclaim $332 $496 $382 $22 $114 $1,371 $114
Soul Sport $332 $496 $382 $22 $114 $1,371 $114
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Kia Soul insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $240 $400 $382 $22 $114 $1,158 $97
Soul Plus $240 $400 $382 $22 $114 $1,158 $97
Soul Exclaim $270 $400 $382 $22 $114 $1,188 $99
Soul Sport $270 $400 $382 $22 $114 $1,188 $99
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Information does not factor in the specific area where the vehicle is garaged which can lower or raise coverage prices noticeably.

Based on these figures, using a $250 deductible would cost the average driver about $15 more each month or $180 for a full year than requesting the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally average more than 17 months between claims, you would save more money by selecting a higher deductible. The table below shows how we made this calculation.

Average monthly premium for $250 deductibles: $113
Average monthly premium for $500 deductibles (subtract): – $98
Monthly savings from raising deductible: $15
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

An important sidenote is that increasing deductibles to save money results in having to pay to pay more out-of-pocket when you file a claim. You need to make sure you have some extra funds in the event you have to pay the higher deductible.

The illustration below shows how choosing a deductible and can increase or decrease Kia Soul insurance prices for different ages of insureds. The premiums assume a single male driver, comprehensive and collision coverage, and no discounts are factored in.

Learn How to Quote Insurance Cheaper

Lots of things are used when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, but other factors are not quite as obvious such as whether you are married or how safe your car is.

Single drivers take more risk – Walking down the aisle can actually save you money compared to being single. Marriage translates into being more mature and responsible and statistics prove drivers who are married are more cautious.

Save money with alarms and GPS tracking – Purchasing a vehicle with a theft deterrent system can earn a premium discount. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent car theft and help bring rates down.

Your address can push rates up or down – Choosing to live in a small town may provide you with better prices when shopping for auto insurance. Less people living in that area means a lower chance of having an accident. Urban drivers tend to have much more traffic and more time behind the wheel. More time on the road means more chances of being involved in an auto accident.

Vehicles with better crash test results lower premiums – Vehicles with high crash test scores tend to have lower insurance rates. Vehicles engineered for safety reduce occupant injuries and fewer serious injuries means lower claim amounts and thus lower rates.

Always have insurance – Driving with no insurance is against the law and insurance companies will penalize you for letting your insurance expire. Not only will you pay more, failure to provide proof of insurance can result in a fine, jail time, or a revoked license. Then you may be required to provide proof of insurance in the form of an SR-22 filing with the Texas department of motor vehicles.

Insurance loss data for a Kia Soul – Insurers use claims history to calculate a rate that will offset any claims. Models that have increased claim numbers or amounts will have a higher premium rate.

The table below shows the loss history for Kia Soul vehicles. For each coverage category, the loss probability for all vehicles, regardless of make, model or trim level, is represented as 100. Numbers under 100 imply a favorable loss record, while numbers that are greater than 100 indicate more frequent claims or a tendency for losses to be larger than average.

Insurance Loss Ratings for Kia Soul Vehicles
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Kia Soul 89 98 84 138 138 118

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto insurance policy discounts you can’t miss

Auto insurance companies don’t always list every policy discount in a way that’s easy to find, so the next list breaks down both well-publicized as well as the least known credits available to you. If you aren’t receiving every discount you qualify for, you are not getting the best rate possible.Auto insurance discounts

You can save money using discounts, but some credits don’t apply to the entire cost. Some only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy. Any qualifying discounts will bring down the cost of coverage.

The information below illustrates the comparison of Kia Soul insurance rates with and without discounts applied. The price estimates are based on a male driver, no tickets, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-car, multi-policy, safe-driver, and claim-free discounts applied.

Car insurance companies who might offer most of the discounts above are:

When getting a coverage quote, ask every prospective company to give you their best rates. Some discounts listed above may not apply to policies in Arlington. If you would like to see a list of companies that offer the discounts shown above in Texas, follow this link.

When to get advice from an insurance agent

A small number of people still like to visit with an insurance agent and doing so can bring peace of mind Licensed agents can point out coverage gaps and help in the event of a claim. One of the best bonuses of comparing rate quotes online is that you can obtain cheap insurance rates but also keep your business local.

To help locate an agent, after submitting this simple form, your information is immediately sent to participating agents in Arlington who will return price quotes for your coverage. There is no reason to search for an agent since price quotes are sent directly to you. If you wish to compare prices from a particular provider, you can always search and find their rate quote page and fill out their quote form.

Finding a good insurance company should depend on more than just a cheap price quote. Here are some questions you should ask.

If you need to find a local agent, it can be helpful to understand the types of insurance agents and how they differ in how they can insure your vehicles. Arlington agents are considered either independent or exclusive depending on the company they work for. Both provide insurance policies, but it’s important to point out how they are different because it may have an impact on the kind of agent you use.

Exclusive Insurance Agencies

Exclusive agencies can usually just insure with one company like AAA, Allstate, and State Farm. Exclusive agents cannot shop your coverage around so they have no alternatives for high prices. Exclusive insurance agents are very knowledgeable on their products and sales techniques which helps overcome the inability to quote other rates. Consumers sometimes use the same exclusive agent partially due to loyalty to the company and strong financial ratings.

Listed below are Arlington exclusive agencies who may provide you with price quote information.

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Independent Agencies or Brokers

These type of agents can sell policies from many different companies so they have the ability to put coverage through many companies and find you cheaper rates. If prices rise, your agent can just switch to a different company and you don’t have to do anything. If you need cheaper insurance rates, you should always get some free quotes from several independent insurance agents to get the best comparison. A lot of them also have access to lesser-known insurance companies that may have much lower rates than larger companies.

Below are Arlington independent insurance agencies who can help you get price quote information.

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What is the best auto insurance coverage?

Keep in mind that when it comes to choosing insurance from an agent or online for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different and your auto insurance should unique, too.Auto insurance savings
These are some specific questions might help in determining if your insurance needs could use an agent’s help.

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Do the work, save more money

As you quote Arlington auto insurance, you should never reduce needed coverages to save money. There have been many cases where an insured dropped uninsured motorist or liability limits only to regret at claim time that the small savings ended up costing them much more. The goal is to buy enough coverage at the best possible price while not skimping on critical coverages.

Budget-friendly insurance in Arlington can be bought on the web and from local insurance agents, and you should compare rates from both to have the best selection. There are still a few companies who may not have rates over the internet and many times these smaller companies sell through independent insurance agents.

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