Are Your Kia Soul Car Insurance Rates Draining Your Savings?

Consumers have lots of choices when looking for low-cost Kia Soul insurance. They can either spend hours driving around to get rate comparisons or save time using the internet to make rate comparisons. There are more efficient ways to compare car insurance rates so you’re going to learn the absolute fastest way to quote coverages for a new or used Kia and locate the lowest price from both online companies and local agents.

Consumers need to compare rates occasionally since rates are rarely the same from one policy term to another. Even if you think you had the lowest price for Soul coverage a year ago there may be better deals available now. You can find a lot of wrong information about car insurance online, so by reading this article, you’re going to learn some proven techniques to reduce your car insurance bill.

If you currently have car insurance, you will most likely be able to save some money using these tips. The purpose of this article is to let you in on how car insurance quotes work. But vehicle owners must understand how the larger insurance companies market insurance on the web and take advantage of how the system works.

Compare Car Insurance Today

Most major insurance companies quote price estimates online. The process is fairly simple as you simply type in the amount of coverage you want into a form. Once you submit the form, the company’s rating system pulls your driving and credit reports and provides a quote.

Being able to quote online helps simplify price comparisons, but the time required to go to multiple sites and enter the same data into a form is repetitive and time-consuming. But it is imperative to have as many quotes as possible if you want to find the best price on car insurance.

A more efficient way to get multiple rate quotes is to use a quote form to get prices from a bunch of companies at once. It saves time, reduces the work, and makes rate comparisons a lot less work. After sending the form, it is rated and you can choose any or none of the returned quotes. If the quotes result in lower rates, you can click and sign and purchase coverage. This process can be completed in a matter of minutes and could lower your rates  insurance quote

To compare rates now, click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you type in the coverage information identical to your current policy. This helps ensure you’re receiving comparison quotes based on similar coverages.

Won’t my local insurance agent miss me?

A small number of people would prefer to buy from a local agent and that is OK! One of the great benefits of price shopping on the web is that you can obtain the lowest rates and still have an agent to talk to.

For easy comparison, once you complete this form (opens in new window), your insurance data is submitted to insurance agents who will compete for your coverage. There is no need to leave your computer since price quotes are sent to the email address you provide. Now that’s easy! Get lower rates AND a local agent.

Selecting a company requires more thought than just a low price. These questions are important to ask:

  • Do they carry Errors and Omissions coverage?
  • What insurance companies do they work with?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Are claims handled at the agent’s location?
  • Does the agency have a good rating with the Better Business Bureau?
  • How often do they review policy coverages?
  • How much will you save each year by using a higher deductible?
  • How long has their agency been in business?

Two different types of insurance agencies

When researching a good insurance agent, you must know there are a couple different types of agents that differ in how they can insure your vehicles. Agencies are categorized either captive or independent.

Captive Insurance Agents

Captive agents are contracted to one company such as State Farm or Allstate. These agents are not able to compare other company’s rates so keep that in mind. These agents receive extensive training on their company’s products and that can be a competitive advantage. Consumers sometimes purchase coverage from captives mostly because of loyalty to the company and solid financial strength.

Independent Agents

Independent insurance agents are not employed by any specific company so they can insure your vehicles with lots of companies and potentially find a lower price. If your agent finds better pricing, the business is moved internally and you won’t have to switch agencies.

Soul insurance rates

When searching for an agent, it’s recommended you contact at a minimum one independent agency for the best price selection. They often place coverage with different regional companies who may have lower rates.

For a full directory of car insurance agents, click here.

After getting positive feedback to these questions and a low price estimate, you’ve probably found an auto insurance agent that is a good match to properly insure your vehicles.