Kia Soul Insurance Rate Quotes in Plano

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Discount Kia Soul insuranceWant to learn the secrets to finding more affordable Kia Soul insurance in Plano? Locating better insurance prices for a Kia Soul in Texas can turn out to be a painful process, but you can follow a few tricks to find lower rates. There is a right way and a wrong way to buy insurance so you're going to learn the proper way to get price quotes for a new or used Kia and obtain the best price possible.

It's important to do rate comparisons once or twice a year since rates are constantly changing. Just because you found the best premium rates on Kia Soul insurance in Plano on your last policy you can probably find a lower rate today. Ignore everything you know about insurance because you're about to find out one of the best ways to find better coverage on Kia Soul insurance in Plano at a better price.

The most recommended method to compare policy rates for Kia Soul insurance in Plano is to understand all the major auto insurance companies participate in a system to provide you with free rate quotes. To begin a comparison, all you need to do is give them some information like whether the vehicles are used for commuting, how many miles driven, the ages of drivers, and whether you have decent credit. That information is instantly sent to many different companies and they provide comparison quotes instantly.

To check rates for your Kia Soul now, click here then complete the form.

The companies shown below provide free rate quotes in Texas. To buy cheap car insurance in Plano, TX, we recommend you visit two to three different companies to get the most competitive price.

Kia Soul insurance analysis

The coverage table shown next showcases different rate quotes for Kia Soul models. Knowing how insurance policy premiums are formulated can be useful when making informed decisions when comparing rate quotes.

Kia Soul Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $208 $312 $500 $30 $150 $1,200 $100
Soul Plus $208 $312 $500 $30 $150 $1,200 $100
Soul Exclaim $234 $312 $500 $30 $150 $1,226 $102
Soul Sport $234 $312 $500 $30 $150 $1,226 $102
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Table data does not factor in specific garaging location which can affect coverage rates significantly.

Policy deductible comparison

When shopping for auto insurance, a common question is at what level do you set your deductibles. The rates below can help show the difference in cost when you choose different physical damage coverage deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.

Kia Soul insurance prices 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 prices 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
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rate quotes do not factor in garaging location in Plano which can modify premiums considerably.

Based on these figures, using a $250 deductible will cost in the ballpark of $15 more each month or $180 a year than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you go at a minimum 17 months between claim filings, you would save more money by going with a higher deductible.

Irresponsible driving raises your rates

The diagram below demonstrates how speeding tickets and at-fault fender-benders can drive up Kia Soul insurance premiums for different ages of insureds. The premiums are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

Difference between liability only and full coverage rates

The information below shows the difference between Kia Soul insurance costs with full coverage compared to only the Texas minimum liability coverage. The premium estimates are based on a clean driving record, no at-fault accidents, $250 deductibles, drivers are single, and no additional discounts are factored in.

When to switch to liability coverage only

There isn't a written rule to stop paying for physical damage insurance, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the vehicle's replacement cost less your deductible, then it might be time to buy liability only.

For example, let's say your Kia Soul settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $5,000 after paying your deductible. If premiums are more than $500 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where dropping full coverage is not advised. If you haven't satisfied your loan, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.

Save a ton on Kia Soul insurance in Plano with these insurance discounts

Companies offering auto insurance don't list every available discount in a way that's easy to find, so the next list breaks down both well-publicized and the harder-to-find discounts you could be receiving when you buy Plano auto insurance online.Save money with discounts

  • Seat Belt Usage - Drivers who require all occupants to buckle up before driving can save a little off the medical payments premium.
  • Good Grades Discount - Being a good student could provide a savings of up to 20% or more. The good student discount can last up to age 25.
  • Anti-lock Brakes - Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions and will save you 10% or more on Soul insurance in Plano.
  • Theft Deterrent - Cars and trucks equipped with anti-theft or alarm systems are stolen with less frequency so companies will give you a small discount.
  • Defensive Driver Discount - Successfully completing a course in safe driver could cut 5% off your bill and easily pay for the cost of the class.

A little disclaimer on discounts, most discount credits are not given to the entire cost. Most only reduce specific coverage prices like comprehensive or collision. Just because it seems like all those discounts means the company will pay you, you won't be that lucky.

The example below shows the difference between Kia Soul yearly insurance costs with and without discounts. The rates are based on a male driver, no claims or driving citations, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, claim-free, safe-driver, and marriage discounts applied.

Popular insurance companies and the discounts they provide can be found below.

  • Mercury Insurance includes discounts for low natural disaster claims, multi-car, annual mileage, multi-policy, and accident-free.
  • Farmers Insurance may include discounts for early shopping, homeowner, teen driver, multi-car, electronic funds transfer, and distant student.
  • Farm Bureau discounts include multi-policy, driver training, safe driver, renewal discount, 55 and retired, multi-vehicle, and youthful driver.
  • State Farm may offer discounts for student away at school, accident-free, Steer Clear safe driver discount, safe vehicle, Drive Safe & Save, multiple policy, and multiple autos.
  • Allstate offers premium reductions for good payer, utility vehicle, premier discount, economy car, safe driver, and eSmart discount.
  • GEICO has discounts for anti-lock brakes, emergency military deployment, daytime running lights, multi-vehicle, and defensive driver.

Check with every company to give you their best rates. A few discounts may not apply in Plano.

Insurance protects more than just your car

Despite the high cost, maintaining insurance is required for several reasons.

  • Just about all states have mandatory insurance requirements which means you are required to carry specific limits of liability protection in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you bought your vehicle with a loan, it's most likely the lender will have a requirement that you buy insurance to guarantee their interest in the vehicle. If you default on your policy, the bank may buy a policy for your Kia at a much higher rate and force you to pay for it.
  • Insurance safeguards both your Kia and your personal assets. Insurance will pay for medical bills for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If your car is damaged in a storm or accident, collision and comprehensive coverages will pay to have it repaired.

The benefits of insuring your car are without a doubt worth the cost, particularly for liability claims. The average driver in Texas is wasting up to $830 a year so it's very important to do a rate comparison each time the policy renews to ensure rates are competitive.

When to get professional advice

Always remember that when buying proper insurance coverage for your vehicles, there really isn't a one size fits all plan. Everyone's needs are different so your insurance needs to address that.Drive safe and save For example, these questions might help in determining if you would benefit from professional advice.

  • Am I covered when driving in Canada or Mexico?
  • Should I pay a claim out-of-pocket?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I need added coverage for expensive stereo equipment?
  • I have a DUI can I still get coverage?
  • What is UM/UIM insurance?

If you can't answer these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It is quick, free and can provide invaluable advice.

Insurance agents near you

A lot of people would prefer to buy from a local agent and that is recommended in a lot of cases Agents are trained to spot inefficiencies and help in the event of a claim. One of the best bonuses of getting online price quotes is that you can obtain the lowest rates and also buy local.

After completing this quick form, your coverage information is emailed to insurance agents in Plano who want to provide quotes for your auto insurance coverage. It makes it easy because there is no need to even leave your home as quotes are delivered to your email. If for some reason you want to compare rates from a specific company, you can always find their quoting web page to submit a rate quote request.

Picking the best provider is decision based upon more than just the bottom line cost. Here are some questions to ask:

  • Do they carry Errors and Omissions coverage?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Does their agency support local causes in Plano?
  • Will they take your side in the event of a claim?
  • Does the agency provide any after hours assistance?
  • What is the financial rating for the quoted company?

Upon getting satisfactory answers to all your questions and low cost Kia Soul insurance quotes, you have narrowed it down to an provider that is reliable enough to properly service your auto insurance policy. Just be aware that it's your policy and you can terminate coverage whenever you wish so don't think that you are permanently stuck with any particular company for any length of time.