Affordable Rate Quotes for Kia Soul Insurance in Sacramento

Kia Soul insurance cost image courtesy of QuoteInspector.com

Beginners to buying insurance online may discover sourcing the cheapest Kia Soul insurance in Sacramento is very challenging.

We don't have to point out that fact that insurance companies want to keep your business as long as possible. Insureds who shop around annually will most likely move their business because of the high probability of finding more affordable rates. A study showed that drivers who faithfully checked for cheaper rates saved as much as $72 a month compared to drivers who never compared rates.

If finding the best rates on car insurance in Sacramento is why you're here, then knowing the best ways to find and compare insurance can help make the process easier and more efficient.

It's a good habit to compare rates periodically because insurance prices go up and down regularly. Even if you think you had the lowest rate on Kia Soul insurance in Sacramento last year you can probably find a lower rate today. Block out anything you think you know about car insurance because you're about to learn the fastest way to find the best coverage while lowering your premiums.

Kia Soul Insurance Prices Can Be Reduced

The best way to find cheaper car insurance is to take a look at some of the elements that go into determining your policy premiums. If you have a feel for what influences your rates, this allows you to make educated decisions that may result in lower car insurance prices. Lots of things are part of the calculation when you quote your car insurance policy. Most are fairly basic such as your driving history, but other factors are less obvious like your continuous coverage or how financially stable you are.

Bad drivers pay high costs - Your driving citation history impacts your car insurance rates tremendously. Just one citation may cause rates to rise by twenty percent. Drivers who don't get tickets pay lower auto insurance prices compared to drivers with tickets. Drivers who have received multiple citations like reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with their state's department of motor vehicles in order to continue driving.

The information below highlights how traffic violations and accidents drive up Kia Soul insurance costs for different age groups. The rate quotes are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

Gender and insurance - Over time, data shows women tend to be less risk to insure than men. This data doesn't prove that women are better drivers. They both are responsible for auto accidents at about the same rate, but men get into accidents with more damage. Men also tend to receive more costly citations like driving under the influence (DUI). Youthful male drivers tend to get in the most accidents and are penalized with high car insurance rates.

The information below illustrates the difference between Kia Soul car insurance costs for male and female drivers. The premium estimates are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, marital status is single, and no discounts are applied.

Little extras can really add up - There are a ton of additional coverages that you can get tricked into buying on your car insurance policy. Insurance for things like rental car reimbursement, accidental death, and membership fees are probably not needed. The coverages may be enticing when buying your policy, but your money might be better spent on other coverage so consider taking them off your policy.

With age comes responsibility - Drivers with little experience are statistically proven to be inattentive when at the wheel of a vehicle so car insurance rates are higher. Older insureds have been proven to be more responsible, cause fewer claims and accidents, and are generally more financially stable.

The next chart uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.

Single drivers may get higher costs - Having a significant other helps lower the price on car insurance. Having a significant other generally demonstrates drivers are less irresponsible and statistics prove being married results in fewer claims.

High deductibles reduce costs - Insurance for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Some instances where coverage would apply are a dented fender, vandalism, or theft. Physical damage deductibles represent how much money you are required to spend out-of-pocket in the event of a claim. The more the insured has to pay upfront, the lower your rates will be.

Kia Soul claim probability - Companies include the past claim history for a vehicle to calculate a rate that will offset losses. Models that the data determines to have a trend towards higher claim severity or frequency will have a higher premium rate. The next table illustrates the loss history for Kia Soul vehicles.

For each policy coverage type, the statistical loss for all vehicles combined as an average is a value of 100. Numbers under 100 are indicative of better than average losses, while percentages above 100 point to more frequent losses or tendency to have larger claims.

When price shopping your coverage, comparing more quotes will improve the odds of getting more affordable insurance.

The companies in the list below offer comparison quotes in Sacramento, CA. If multiple companies are listed, we recommend you get rates from several of them in order to find the most affordable rates.

Kia Soul detailed coverage information

The premium information shown below outlines detailed analysis of coverage prices for Kia Soul models. Knowing how insurance prices are formulated is important for making decisions on the best policy coverages.

Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in vehicle location which can lower or raise premium rates significantly.

An analysis of deductible level

One of the most common car insurance questions is how high should the physical damage coverage deductibles be. The following insurance rates can help you visualize the price difference when you buy lower versus higher policy deductibles. The first rate quote example uses a $250 deductible for physical damage and the second price chart uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rates do not factor in vehicle location which can alter auto insurance rates greatly.

Based on this data, using a $250 deductible would cost the average driver about $17 more each month or $204 for a full year than buying the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to have more than 15 months between claims, you would most likely save money by selecting a higher deductible.

The information below shows how different deductible levels and can change Kia Soul insurance rates for different ages of insureds. The prices are based on a single female driver, full coverage, and no discounts are factored in.

Why you need Soul insurance in California

Despite the potentially high cost of Kia Soul insurance, buying insurance may be required and benefits you in several ways.

• Almost all states have mandatory insurance requirements which means you are required to buy a specific minimum amount of liability in order to license the vehicle. 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 your Kia has a lienholder, almost every bank will stipulate that you carry insurance to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Kia at a significantly higher premium and force you to pay for the expensive policy.
• Insurance protects your Kia Soul and your assets. It will also provide coverage for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, will also pay attorney fees if someone files suit against you as the result of an accident. If your Kia gets damaged, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of buying enough insurance definitely exceed the price paid, especially with large liability claims. An average driver in America is overpaying more than $820 a year so it's recommended you shop around at least once a year to ensure rates are inline.

Verify you're applying every discount

Some providers don't always list all available discounts in a way that's easy to find, so the list below details both well-publicized and also the lesser-known discounts that you may qualify for.

• No Claims - Sacramento drivers who stay claim-free pay much less in comparison to frequent claim filers.
• Online Discount - Certain companies give back up to $50 for signing up online.
• Responsible Driver Discounts - Safe drivers may receive a discount up to 45% than drivers with accidents.
• New Vehicle Savings - Insuring a vehicle that is new can save you some money because new model year vehicles have to meet stringent safety requirements.
• One Accident Forgiven - This one is not really a discount per se, but some companies like GEICO and Liberty Mutual will let one accident slide before raising your premiums as long as you don't have any claims for a certain period of time.
• Braking Control Discount - Cars and trucks that have anti-lock braking systems are much safer to drive so companies give up to a 10% discount.
• Sign Early and Save - Some larger companies provide a discount for renewing your policy prior to your current Soul insurance policy expiration. This discount can save up to 10%.
• Early Payment Discounts - By making one initial payment as opposed to paying monthly you may reduce your total bill.
• 55 and Retired - Mature drivers could receive a small discount on rates.
• Multi-policy Discount - When you have multiple policies and insure them both with the same insurance company you could save 10% to 20% off each policy.

Don't be surprised that most credits do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as comprehensive or collision. Even though the math looks like it's possible to get free car insurance, nobody gets a free ride. But all discounts will definitely lower your insurance premiums.

The diagram below compares Kia Soul insurance prices with and without discounts applied to the premium. Data assumes a female driver, no accidents or driving violations, California 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 marriage, multi-car, claim-free, safe-driver, homeowner, and multi-policy discounts applied.

A list of companies and some of their more popular discounts can be found below.

• Progressive includes discounts for homeowner, continuous coverage, good student, online quote discount, online signing, and multi-policy.
• MetLife may offer discounts for defensive driver, accident-free, good student, multi-policy, good driver, and claim-free.
• Mercury Insurance offers premium reductions for annual mileage, location of vehicle, low natural disaster claims, professional/association, accident-free, and multi-car.
• Nationwide discounts include business or organization, easy pay, anti-theft, multi-policy, and family plan.
• GEICO policyholders can earn discounts including membership and employees, five-year accident-free, federal employee, emergency military deployment, air bags, and seat belt use.
• AAA has savings for multi-policy, multi-car, pay-in-full, good student, AAA membership discount, and good driver.

Before purchasing a policy, check with each insurance company what discounts are available to you. All car insurance discounts may not apply to policies in Sacramento. To see a list of insurers offering insurance discounts in Sacramento, follow this link.

Compare rate quotes but buy from a local neighborhood Sacramento car insurance agent

Certain consumers still prefer to talk to a local agent and that is a personal choice. One of the benefits of getting free rate quotes online is that drivers can save money and get cheap rate quotes and still buy from a local agent.

For easy comparison, once you complete this form (opens in new window), your insurance data is emailed to insurance agents in Sacramento that give free quotes for your insurance coverage. It makes it easy because there is no need to contact any agents since price quotes are sent instantly to you. You can find the lowest rates AND an agent nearby. If you want to get a price quote from a particular provider, don't hesitate to search and find their rate quote page and fill out their quote form.

Picking an insurance company needs to be determined by more than just the quoted price. These are some valid questions you should ask.

• Will one accident increase rates?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Do the agents have professional certifications like CPCU or CIC?
• How often do they review policy coverages?
• Do they regularly work with personal auto policies in Sacramento?
• Do they have cheaper tiers of coverage?
• Can they give you a list of client referrals?

If you're trying to find a reputable insurance agent or broker, there are a couple of types of insurance agents and how they differ in how they quote coverages. Insurance agencies can be classified as either independent (non-exclusive) or exclusive.

Exclusive Insurance Agencies

Exclusive insurance agents can usually just insure with one company such as Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agents receive extensive training on what they offer which aids in selling service over price. Consumers sometimes buy from exclusive agents partially due to loyalty to the company rather than having the cheapest rates.

Listed below are Sacramento exclusive insurance agents who can help you get rate quotes.

• Trevor Fong - State Farm Insurance Agent
  7485 Rush River Dr #715 - Sacramento, CA 95831 - (916) 392-1240 - View Map
• Farmers Insurance: Brewer Insurance Agency
  6700 Freeport Blvd #101 - Sacramento, CA 95822 - (916) 424-4357 - View Map
• Barbara Etrick - State Farm Insurance Agent
  6332 Florin Rd - Sacramento, CA 95823 - (916) 822-5110 - View Map

View more agents

Independent Agents

Independent agencies do not work for one specific company and that is an advantage because they can write policies with multiple insurance companies and get the cheapest rates. If they find a cheaper price, your agent can just switch to a different company and you can keep the same agent.

If you need lower rates, you will definitely want to get rate quotes from at least one independent agent for the best price selection. They often place coverage with companies you've never heard of that may provide cheaper insurance rates.

Listed below is a short list of independent insurance agents in Sacramento willing to provide comparison quotes.

• The United Brokers Insurance Agency Inc
  7750 College Town Dr #101 - Sacramento, CA 95826 - (877) 223-4437 - View Map
• Castro Property and Commercial Insurance
  155 15th St c - West Sacramento, CA 95691 - (916) 482-9600 - View Map
• Bertolino Insurance Agency
  9719 Lincoln Village Dr #409 - Sacramento, CA 95827 - (916) 384-9621 - View Map

View more agents

Upon getting good responses to your questions in addition to an acceptable price estimate, it's a good possibility that you have found an insurance agent that meets the requirements to insure your vehicles. But remember, you have the power to terminate your policy at any point so don't feel you are locked into any particular company with no way to switch.

Tailor your insurance coverage to you

When quoting and choosing a policy, there really is no best way to insure your cars. Each situation is unique.

Here are some questions about coverages that can aid in determining if your insurance needs may require specific advice.

• Will damage be repaired with OEM parts?
• How can I force my company to pay a claim?
• Why do I need rental car insurance?
• What are the liability requirements in my state?
• What happens if I owe more than my Kia Soul is worth?
• Am I covered if I hit my neighbor's mailbox?
• Does my liability insurance cover pulling a trailer or camper?
• Does coverage extend to a rental car in a foreign country?
• Is my state a no-fault state?
• Do I really need UM/UIM coverage?

If you don't know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

The best rates come from being thorough

Low-cost Kia Soul insurance in Sacramento is possible from both online companies in addition to many Sacramento insurance agents, so you need to quote Sacramento car insurance with both to have the best rate selection. Some insurance companies don't offer rate quotes online and these smaller providers prefer to sell through independent agencies.

We just showed you a lot of techniques to save on Kia Soul insurance in Sacramento. The key thing to remember is the more you quote Sacramento car insurance, the higher your chance of finding the cheapest Kia Soul rate quotes. You may even find the best price on insurance is with a small mutual company.

When getting Sacramento car insurance quotes online, it's very important that you do not skimp on critical coverages to save a buck or two. There have been many situations where someone dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to buy the best coverage you can find at an affordable rate but still have enough coverage for asset protection.

How to find cheaper Kia Soul insurance in Sacramento

The most effective way to get discount auto insurance rates in Sacramento is to compare prices annually from companies in California. You can compare rates by following these guidelines.

1. Spend some time learning about coverages and the changes you can make to keep rates down. Many policy risk factors that increase rates like accidents, traffic tickets, and an imperfect credit score can be eliminated by paying attention to minor details.
2. Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like Progressive and State Farm, while agents who are independent can provide price quotes from multiple sources.
3. Compare the new rate quotes to the premium of your current policy and determine if there is any savings. If you can save some money, make sure there is no lapse in coverage.
4. Provide notification to your current agent or company of your intent to cancel your current auto insurance policy and submit the application along with any required down payment to your new agent or company. When you receive it, keep the new certificate verifying proof of insurance with your registration paperwork.

One tip to remember is to use similar coverage information on each quote request and and to get rates from as many companies as feasibly possible. Doing this guarantees a fair price comparison and a complete selection of prices.

Other learning opportunities

• Frontal Crash Tests (iihs.org)
• What Insurance is Cheapest for a Ford Fusion in Sacramento? (FAQ)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)
• Parking Tips to Reduce Door Dings (State Farm)