Kia Soul Insurance Rate Quotes in Phoenix

Want a free price quotes on low-cost Kia Soul insurance in Phoenix? No one in their right mind is fond of buying auto insurance, especially when they are aware that the prices are way too high.

Unbelievably, most consumers have stayed with the same insurance company for at least four years, and just under half have never compared rate quotes at all. With the average premium in Arizona being $1,600, drivers can cut their rates by about 50% a year by just shopping around, but they don’t want to spend time to compare rates and save money. Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate increase brand awareness with ads and it can be hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

If you are insured now or are just looking to switch companies, use these cost-cutting techniques to reduce premiums without having to cut coverage. Locating the best rates in Phoenix can be made easier if you know where to look. Drivers just need to use the most efficient way to compare company rates using one simple form.

Most larger insurance companies such as Progressive, GEICO, Allstate and State Farm make it easy to get prices on the web. Getting Kia Soul insurance prices online is quite easy because it’s just a matter of typing in the amount of coverage you want on the page. Once you submit the form, their quoting system requests credit information and your driving record and generates a price. This streamlines rate comparisons, and it’s very important to have as many quotes as possible if you are searching for affordable car insurance pricing.

To fill out one form to compare multiple rates now, compare rates from the companies below. If you have coverage now, it’s recommended you complete the form with the insurance coverages just like they are on your policy. This way, you will have a fair comparison using the same coverage and limits.

The companies in the list below provide quotes in Arizona. If several companies are displayed, we suggest you compare several of them to get the lowest price.

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in vehicle location which can revise rates considerably.

Physical damage deductibles: Should you raise them?

One frequently asked question is how high or low should comp and collision deductibles be. The figures shown below outline the price difference when you select higher and lower coverage deductibles. The first rate estimation uses a $100 deductible and the second pricing table uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Information does not factor in garaging location in Phoenix which can alter auto insurance rates considerably.

Based on the figures above, using a $100 deductible will cost you about $21 more each month or $252 a year than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you go more than 19 months between claim filings, you would most likely save money by selecting a higher deductible.

One big caveat is that a higher deductible level results in more money out-of-pocket when you file a claim. You will want to have enough disposable savings in order to pay the deductible to have repairs made.

Illustration showing the impact of accidents and violations

The example below highlights how traffic violations and at-fault claims increase Kia Soul insurance costs for each age group. The rate quotes are based on a single female driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.

Car insurance is not optional in Arizona

Even though it’s not necessarily cheap to insure a Kia in Phoenix, buying car insurance may not be optional for several reasons.

• Most states have compulsory liability insurance requirements which means state laws require a minimum amount of liability insurance coverage in order to license the vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Soul has a lien holder, more than likely the lender will require that you buy insurance to ensure they get paid if you total the vehicle. If you default on your policy, the bank may buy a policy for your Kia for a lot more money and require you to fork over for it.
• Insurance safeguards not only your car but also your financial assets. It will also provide coverage for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. Liability coverage will also pay attorney fees if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, 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 having car insurance more than offset the price you pay, especially if you ever need it. Unknowingly, the average driver is overpaying over $800 each year so compare rate quotes at every policy renewal to ensure rates are competitive.

Kia Soul insurance discounts in Phoenix

Car insurance companies do not advertise all possible discounts very clearly, so we researched a few of the more common as well as the least known credits that you can use to lower your rates.

• Payment Discounts – By making one initial payment instead of paying each month you may have a lower total premium amount.
• Buy New and Save – Adding a new car to your policy can save you some money due to better safety requirements for new vehicles.
• Drive Safe and Save – Drivers without accidents could pay up to 40% less than drivers with accidents.
• Defensive Driver – Taking a driver safety course could cut 5% off your bill and also improve your driving technique.
• Paper-free Discount – A few larger companies provide a small discount shop Phoenix auto insurance on the internet.
• Theft Deterrent System – Cars and trucks with anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
• Auto/Home Discount – When you have multiple policies with the same company you may earn over 10 percent off each policy depending on the company.

Discounts lower rates, but most credits do not apply to the entire cost. The majority will only reduce specific coverage prices like collision or personal injury protection. So even though you would think adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Auto insurance companies that possibly offer some of the discounts shown above include:

• Travelers
• 21st Century
• State Farm
• GEICO
• SAFECO
• AAA

Check with every company which credits you are entitled to. Discounts may not apply to policies in Phoenix.

Shop online but buy locally

Certain consumers just want to sit down with an agent and that is not a bad decision Experienced insurance agents are very good at helping people manage risk and give you someone to call. The biggest benefit of comparing auto insurance online is you can get the best rates and still have an agent to talk to.

After completing this short form, the quote information gets sent to local insurance agents who will return price quotes for your insurance coverage. You won’t even need to find an agent as quotes are delivered directly to your email. If for some reason you want to get a price quote from a particular provider, don’t hesitate to navigate to their website to submit a rate quote request.

Finding a good provider requires more thought than just a cheap price quote. Before buying a policy in Phoenix, get answers to these questions.

• Are they giving you every discount you deserve?
• Is vehicle damage repaired with OEM or aftermarket parts?
• Do they prorate repair cost based on vehicle mileage?
• Can you get a list of referrals?
• What are the financial ratings for the companies they represent?
• If your car is in the repair shop, do you have coverage for a rental car?

Listed below is a list of insurance companies in Phoenix that may be able to provide price quote information for Kia Soul insurance in Phoenix.

More Phoenix agents

There’s no such thing as the perfect car insurance policy

Keep in mind that when it comes to choosing insurance from an agent or online, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine whether your personal situation might need an agent’s assistance.

• How long can I keep a teen driver on my policy?
• Why do I need rental car insurance?
• Does my Kia Soul qualify for pleasure use?
• Does my Kia Soul need full coverage?
• When should I remove comp and collision on my Kia Soul?
• Do I have ACV or replacement cost coverage?
• Is there coverage for my trailer?
• How can I get the company to pay a claim?
• Am I covered when driving in Canada or Mexico?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form. It’s fast, free and you can get the answers you need.

Learn about car insurance coverages for a Kia Soul

Knowing the specifics of car insurance helps when choosing which coverages you need for your vehicles. Car insurance terms can be confusing and coverage can change by endorsement.

Coverage for liability – This provides protection from damage or injury you incur to a person or their property that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 15/30/10 which means a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and property damage coverage for $10,000.

Liability coverage pays for things such as loss of income, repair bills for other people’s vehicles and bail bonds. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible. Arizona requires drivers to carry at least 15/30/10 but drivers should carry more liability than the minimum.

Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many Arizona drivers carry very low liability coverage limits (Arizona limits are 15/30/10), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Collision coverages – This will pay to fix damage to your Soul resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like damaging your car on a curb, rolling your car, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to increase the deductible on your Soul to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for immediate expenses like nursing services, hospital visits and rehabilitation expenses. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive insurance – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from getting keyed, hitting a deer, damage from a tornado or hurricane, theft and falling objects. The most your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Compare but don’t skimp

A few companies may not offer the ability to get quotes online and many times these small, regional companies only sell coverage through independent agents. Lower-priced insurance in Phoenix can be sourced from both online companies in addition to local insurance agencies, and you should compare rates from both in order to have the best chance of saving money.

We just showed you some good ideas how to get a better price on Kia Soul insurance in Phoenix. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even discover the lowest car insurance rates come from a lesser-known regional company.

While you’re price shopping online, it’s very important that you do not reduce coverage to reduce premium. There have been many cases where an insured dropped full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy the best coverage you can find at the best price, but do not sacrifice coverage to save money.

More information can be read on the following sites:

• Insurance Losses by Make and Model (iihs.org)
• How Much are Phoenix Car Insurance Rates for a Jeep Grand Cherokee? (FAQ)
• What Car Insurance is Cheapest in Phoenix, Arizona? (FAQ)
• How Much is Phoenix Auto Insurance for Drivers with a DUI? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for High Risk Drivers in Phoenix? (FAQ)
• Who Has Affordable Phoenix Auto Insurance for a Ford Fusion? (FAQ)
• Who Has Cheap Phoenix Car Insurance Rates for a Honda Accord? (FAQ)
• How Much are Phoenix Auto Insurance Rates for a Dodge Ram? (FAQ)
• Car Insurance FAQ (Trusted Choice)
• What is Gap Insurance? (Insurance Information Institute)
• Safety Features for Your New Car (State Farm)
• Drunk Driving Statistics (Insurance Information Institute)