Cheap Long Beach Kia Soul Insurance

Discount Kia Soul insuranceIt’s well known that auto insurance companies don’t want their policyholders to compare prices. People who compare rates once a year will, in all likelihood, buy a different policy because of the good chance of getting low-cost coverage. A recent survey found that people who regularly compared rates saved an average of $3,500 over four years compared to other drivers who didn’t regularly shop around.

If finding discount rates on Kia Soul insurance in Long Beach is your ultimate target, then having a good understanding how to get price quotes and compare coverages can make it simple to find affordable coverage.

The most effective way to find lower priced auto insurance rates in Long Beach is to regularly compare price quotes from insurance carriers who provide car insurance in California. Prices can be compared by completing these steps.

The most important part of this process is to use similar limits and deductibles on every quote and and to get price quotes from all possible companies. This ensures an apples-to-apples comparison and plenty of rates choose from.

If you are already insured, you will surely be able to reduce the price you pay using the techniques covered below. Finding quotes for cheaper auto insurance in Long Beach can be fairly easy. Nevertheless, California drivers can benefit from knowing how insurance companies charge you for coverage because it can help you find the best coverage.

Low Cost Kia insurance price quotes in Long Beach

The providers in the list below can provide price quotes in Long Beach, CA. To get cheaper car insurance in Long Beach, CA, we suggest you visit as many as you can in order to get a fair rate comparison.

Data for Kia Soul insurance

The coverage table shown below showcases detailed analysis of coverage prices for Kia Soul models. Having knowledge of how insurance quotes are formulated can be of help when making smart choices when selecting a coverage provider.

Kia Soul Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $238 $454 $464 $28 $138 $1,322 $110
Soul Plus $238 $454 $464 $28 $138 $1,322 $110
Soul Exclaim $270 $454 $464 $28 $138 $1,354 $113
Soul Sport $270 $454 $464 $28 $138 $1,354 $113
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Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rate information does not factor in vehicle garaging location which can affect premiums considerably.

Rate comparison for different deductibles

One common question asked by Long Beach drivers is where should you set your physical damage deductibles. The following tables may help to conceptualize the rate differences of buying low and high comp and collision deductibles. The first rate quote example uses a $250 deductible for physical damage and the second data table uses a $500 deductible.

Kia Soul insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $342 $576 $442 $26 $132 $1,543 $129
Soul Plus $342 $576 $442 $26 $132 $1,543 $129
Soul Exclaim $386 $576 $442 $26 $132 $1,587 $132
Soul Sport $386 $576 $442 $26 $132 $1,587 $132
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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
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Data assumes 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. Rate information does not factor in your specific Long Beach location which can change coverage prices noticeably.

Using the premium rates above, we can conclude that using a $250 deductible will cost you approximately $17 more each month or $204 for a full year than selecting 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 15 months between claims, you would save more money if you elect the higher deductible.

Calculation for determining deductible levels

Average monthly premium for $250 deductibles: $131
Average monthly premium for $500 deductibles (subtract): – $114
Monthly savings from raising deductible: $17
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

An important sidenote is that raising deductibles to save money results in a higher out-of-pocket expense when you have a claim. It will be required that you have enough money put aside in order to pay the deductible.

Driving violations and accidents

The illustration below illustrates how violations and at-fault claims can influence Kia Soul insurance costs for each age group. The premiums assume a married female driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

Kia Soul liability-only versus full coverage

The example below shows the difference between Kia Soul insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no violations or claims, $100 deductibles, drivers are single, and no other discounts are factored in.

When to eliminate full coverage

There is no exact formula that works best for making the decision to drop full coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

For example, let’s say your Kia Soul replacement cost is $7,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $6,000 after paying the physical damage deductible. If you are paying over $600 a year to have full coverage, then you might want to think about dropping full coverage.

There are some cases where only buying liability is not financially feasible. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not opt for liability only.

Companies offer money-saving discounts on Kia Soul insurance in Long Beach

Some companies do not advertise the entire discount list very clearly, so below is a list a few of the more common as well as the least known car insurance savings.Save money with discounts

One thing to note about discounts is that most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as liability and collision coverage. Just because you may think you would end up receiving a 100% discount, it doesn’t quite work that way.

The example below illustrates the comparison of Kia Soul annual premium costs with and without discounts. The premiums assume a male driver, a clean driving record, no claims, California 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 marriage, multi-policy, homeowner, multi-car, claim-free, and safe-driver discounts applied.

A few of the larger companies and a selection of discounts are included below.

If you want affordable Long Beach auto insurance quotes, ask each company how you can save money. Some credits might not be offered in your state. If you would like to view insurance companies with discount rates in Long Beach, click this link.

How do Insurance Companies Determine Kia Soul Insurance Prices?

It’s important that you understand some of the factors that play a part in calculating the level of your policy premiums. If you understand what controls the rates you pay, this allows you to make good choices that may result in cheaper rates. Many different elements are used when quoting car insurance. A few of the factors are predictable like your driving record, but some are not as apparent like your continuous coverage or your financial responsibility.

How many miles do you drive? – The more you drive in a year the more it will cost to insure it. Almost all companies calculate rates partially by how you use the vehicle. Vehicles left parked in the garage receive better premium rates than vehicles that are driven to work every day. Verify your policy states the correct usage. Having the wrong rating on your Soul is throwing money out the window.

Younger drivers pay high premiums – Drivers with little experience are statistically proven to get distracted easily behind the wheel and because of this, their insurance rates are much higher. Adding a youthful driver onto your insurance can be quite pricey. More experienced drivers have been proven to be more responsible, statistically cause fewer accidents, and tend to be get fewer driving tickets.

The following data assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.

Frequent claims will cost more – If you file a lot of claims you can definitely plan on much higher rates or policy non-renewal. Companies in California provide most affordable rates to policyholders that do not abuse their auto insurance. Your insurance policy is meant to be used in the event of the large, substantial claims.

If you don’t need it don’t buy it – Insurance policies have a lot of add-on coverages that can waste your money but may not be useful. Insurance for things like rental car coverage, death and dismemberment, and membership fees are examples of these. These may sound like a good investment when discussing your needs, but if you don’t need them remove them from your policy.

Car insurance liability limits – Your insurance policy’s liability coverage is the coverage that protects you if you are determined to be liable for damages caused by your negligence. It provides legal defense coverage to defend your case. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.

Kia Soul historical loss data – Insurers analyze past claim statistics to calculate a rate that will offset losses. Models that the data determines to have a trend towards higher claims will be charged more to insure. The table below demonstrates the compiled insurance loss statistics for Kia Soul vehicles.

For each policy coverage type, the claim probability for all vehicles, as a total average, is represented as 100. Values below 100 indicate a favorable loss history, while values that are 100 or greater indicate higher probability of having a loss or statistically larger losses.

Insurance Loss Ratings for Kia Soul Vehicles
Vehicle Make and 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

Insurance is available from local agents

Many drivers still prefer to buy from a local agent and often times that is recommended A good thing about comparing insurance prices online is that drivers can save money and get the best rates and still choose a local agent. And supporting neighborhood insurance agencies is still important in Long Beach.

Long Beach insurance agentsFor easy comparison, once you complete this quick form, the coverage information is emailed to companies in Long Beach who will return price quotes and help you find cheaper coverage. You won’t even need to leave your house since rate quotes are delivered directly to your email. You can find better rates and a licensed agent to work with. If you have a need to get a price quote for a specific company, you just need to search and find their rate quote page to submit a rate quote request.

If you want to use a reputable agency, it’s helpful to know the different agency structures and how they can quote your rates. Insurance agents can be categorized as either independent agents or exclusive agents.

Independent Insurance Agents

Agents that elect to be independent do not sell for just one brand so as a result can place your coverage with multiple insurance companies and find you cheaper rates. If your agent finds better pricing, the agent simply finds a different carrier which is easy for the insured.

When shopping rates, you should always get rate quotes from independent agents to ensure the widest selection of prices. Many can place coverage with smaller companies which could offer lower prices.

Shown below is a list of independent insurance agencies in Long Beach who can help you get comparison quotes.

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Exclusive Agencies

Agents that choose to be exclusive can only write with one company like Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot compare rates from other companies so it’s a take it or leave it situation. Exclusive agents are very knowledgeable on their company’s products which helps them sell insurance even at higher premiums. Drivers often choose to use an exclusive agent partially due to the prominent brand name and the convenience of having all coverages with one company.

Shown below are Long Beach exclusive insurance agents that can give you comparison quotes.

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Choosing the best car insurance agent should include more criteria than just a cheap price. The following questions are important to ask.

Once you have received satisfactory answers to your questions as well as a price you’re happy with, chances are good that you have found an insurance agent that can properly service your insurance policy. Keep in mind it’s your policy and you can cancel your coverage any time you want so never assume that you are obligated to the insurance policy for any length of time.

More quotes mean more car insurance savings

We just showed you a lot of tips how to get a better price on Kia Soul insurance in Long Beach. The key concept to understand is the more rate comparisons you have, the better likelihood of getting low cost Long Beach auto insurance quotes. You may even discover the lowest auto insurance rates are with the least-expected company.

More affordable car insurance in Long Beach is possible on the web and with local Long Beach insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers don’t offer rate quotes online and these small insurance companies work with local independent agencies.

People switch companies for any number of reasons including unfair underwriting practices, not issuing a premium refund, extreme rates for teen drivers and denial of a claim. Whatever your reason, finding a new company is not as difficult as it may seem.

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