Compare Kia Soul Insurance Quotes in Greensboro

The most effective way to get more affordable Kia Soul insurance is to compare prices once a year from different companies that sell auto insurance in Greensboro. You can shop around by completing these steps.

1. Take a few minutes and learn about how companies set rates and the things you can change to prevent rate increases. Many rating factors that result in higher prices such as traffic violations and a poor credit score can be amended by improving your driving habits or financial responsibility. Read the full article for additional ideas to prevent high prices and find more discounts that you may not know about.
2. Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like Progressive or Allstate, while agents who are independent can quote prices from multiple insurance companies.
3. Compare the quotes to your current policy premium and determine if cheaper Soul coverage is available. If you find a lower rate quote and change companies, ensure there is no coverage lapse between policies.
4. Tell your current company of your intention to cancel your current coverage and submit a down payment along with a completed application to your new company or agent. Immediately put the proof of insurance certificate along with your vehicle registration.

The most important part of this process is that you use identical coverages on each quote and and to get rate quotes from as many different companies as possible. Doing this enables a fair price comparison and a good representation of prices.

It goes without saying that insurance companies don’t want you to look for cheaper rates. Consumers who shop around at least once a year are inclined to buy a new policy because they stand a good chance of finding discount prices. A study showed that drivers who regularly shopped around saved an average of $865 annually compared to policyholders who don’t regularly compare prices.

If finding the best rates on auto insurance is your ultimate goal, understanding how to find and compare insurance premiums can make it easier for you to save money.

Auto insurance policy discounts you can’t miss

Car insurance companies don’t necessarily list all discounts very well, so below is a list a few of the more common and also the lesser-known discounts that may be available.

• Claim-Free Discount – Insureds with no claims or accidents are rewarded with significantly better rates on Greensboro car insurance quote when compared with policyholders that have many claims.
• Multiple Vehicles – Having several vehicles on the same auto insurance policy may reduce the rate for each vehicle.
• Sign Early and Save – A few larger companies allow discounts for buying a policy before your current coverage expires. The savings is around 10%.
• Anti-theft System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and will qualify for a discount on a Greensboro car insurance quote.
• Greensboro Homeowners Pay Less – Simply owning a home can save a few bucks because maintaining a house demonstrates responsibility.
• Paperless Signup – A few larger companies may give you up to $50 simply for signing over the internet.
• Telematics Discount – Policyholders that allow their auto insurance company to study vehicle usage by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks as long as the data is positive.
• Discounts for Federal Employees – Being employed by or retired from a federal job can save as much as 8% depending on your auto insurance provider.
• Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.

Don’t be shocked that many deductions do not apply to the whole policy. Some only apply to the cost of specific coverages such as medical payments or collision. Even though it may seem like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

The example below compares Kia Soul auto insurance rates with and without discounts applied. The data assumes a male driver, no claims or driving citations, North Carolina state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, claim-free, multi-car, multi-policy, and safe-driver discounts applied.

A few popular companies and the discounts they provide are shown below.

• State Farm may have discounts that include passive restraint, safe vehicle, good driver, multiple policy, and accident-free.
• American Family has discounts for air bags, accident-free, TimeAway discount, multi-vehicle, mySafetyValet, and good driver.
• AAA offers discounts for AAA membership discount, anti-theft, multi-car, good driver, and multi-policy.
• GEICO may include discounts for multi-vehicle, military active duty, air bags, multi-policy, membership and employees, defensive driver, and anti-theft.
• Mercury Insurance includes discounts for ease of repair, low natural disaster claims, anti-theft, age of vehicle, and professional/association.
• Farmers Insurance policyholders can earn discounts including multi-car, bundle discounts, business and professional, early shopping, and homeowner.
• Progressive discounts include multi-policy, continuous coverage, homeowner, multi-vehicle, and online quote discount.

Double check with every company which discounts you qualify for. Savings may not apply in Greensboro. If you would like to see a list of insurance companies that have a full spectrum of discounts in North Carolina, click this link.

The best way we recommend to compare insurance rates in your area is to know car insurance companies allow for online access to compare rate quotes. The only thing you need to do is provide a little information such as marital status, types of safety features, whether you have decent credit, and whether or not you need a SR-22. Those rating factors is instantly provided to many of the top insurers and you receive quotes immediately.

To compare multiple company cheap Kia Soul insurance rates now, click here and find out if you can get cheaper insurance in Greensboro.

The companies in the list below have been selected to offer free quotes in Greensboro, NC. To find cheap car insurance in NC, it’s a good idea that you compare several of them in order to find the cheapest rates.

Coverage statistics and figures

The rate information shown next showcases detailed analysis of insurance coverage prices for Kia Soul models. Having insight into how rate quotes are formulated can help customers make smart choices when purchasing an insurance policy.

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rates do not factor in specific Greensboro garaging location which can impact premiums greatly.

Insurance deductibles

When buying insurance, a common question is how high should the physical damage coverage deductibles be. The data tables below help summarize the rate differences between low and high comp and collision deductibles. The first pricing table uses a $100 physical damage coverage deductible and the second price table uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Price information does not factor in Greensboro location which can increase or decrease coverage rates considerably.

We can derive from the above data that using a $100 deductible would cost the average driver about $18 more each month or $216 every year than requesting the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you usually have more than 22 months between claims, you would probably be better off if you choose a higher deductible.

One thing to be aware of is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself when you do file a claim. That will require some money saved in the event you have to pay more to get your vehicle repaired.

Rate difference between full and liability-only coverage

The illustration below compares Kia Soul insurance rates with liability coverage only compared to full coverage. The premium estimates are based on no claims or driving violations, $500 deductibles, marital status is single, and no additional discounts are factored in.

Should you pay for full coverage or liability only?

There is no definitive formula to delete physical damage coverage, but there is a guideline you can consider. If the yearly cost of full coverage is more than around 10% of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let’s say your Kia Soul replacement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $8,000 after the policy deductible has been paid. If you are paying over $800 annually for full coverage, then you may need to consider dropping full coverage.

There are some cases where only buying liability is not in your best interest. If you still owe a portion of the original loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not drop full coverage.

Insurance agent or online?

Many drivers just want to go talk to an agent and that can be a great decision One of the best bonuses of comparing rates online is you can get better rates and still choose a local agent.

To make it easy to find an agent, after completing this form (opens in new window), your information is submitted to local insurance agents who will return price quotes for your business. It makes it easy because there is no need to drive around as quotes are delivered to your email. You can find lower rates without having to waste a lot of time. If you want to quote rates from a particular provider, you would need to search and find their rate quote page to submit a rate quote request.

Choosing the best insurer should include more criteria than just a cheap quote. Any agent in Greensboro should have no problem answering these questions:

• What is the agency’s Better Business Bureau rating?
• Will their companies depreciate repairs to your car based on the mileage?
• Does the agent help file claims?
• Is vehicle damage repaired with OEM or aftermarket parts?
• Will the agent or a CSR service your policy?

If you are searching for a reputable insurance agent or broker, it’s helpful to know the types of agencies and how they are slightly different. Agents in Greensboro are considered either exclusive or independent (non-exclusive).

Exclusive Insurance Agents

Exclusive agencies can usually just insure with one company like Farmers Insurance and State Farm. These agents are not able to compare rates from other companies so it’s a take it or leave it situation. These agents receive extensive training on their company’s products which can be an advantage.

Below are exclusive insurance agents in Greensboro that can give you price quotes.

View more Greensboro agents

Independent Agents (or Brokers)

Independent agents are not locked into one company and that is an advantage because they can write policies through lots of different companies and find the cheapest rate. If they find a cheaper price, an independent agent can move your coverage and you stay with the same agent. If you need lower rates, we recommend you get quotes from several independent insurance agents to maximize your price options.

Below are independent agencies in Greensboro that can give you price quotes.

View more Greensboro agents

If you feel you receive good feedback for all questions you ask and an affordable coverage quote, most likely you have located an insurance agent that can be relied on to adequately provide insurance.

One last thing about your coverage

Throughout this article, we presented some good ideas how to find lower-cost Kia Soul insurance in Greensboro. The key concept to understand is the more quotes you get, the higher the chance of saving money. Drivers may even discover the lowest priced insurance comes from the smaller companies. They may cover specific market segments cheaper than their larger competitors like Progressive or GEICO.

As you prepare to switch companies, never skimp on coverage in order to save money. There are too many instances where consumers will sacrifice collision coverage and found out when filing a claim that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage for the lowest price, not the least amount of coverage.

Budget-conscious Kia Soul insurance can be found on the web in addition to local insurance agencies, and you should compare rates from both in order to have the best chance of saving money. Some companies don’t offer online quoting and many times these small insurance companies sell through independent insurance agencies.

More detailed insurance information is available in the articles below:

• Child Safety Seats (Insurance Information Institute)
• How Much is Greensboro Car Insurance for Low Mileage Drivers? (FAQ)
• How Much is Greensboro Auto Insurance for a Chevrolet Silverado? (FAQ)
• Who Has the Cheapest Greensboro Car Insurance Rates for 17 Year Olds? (FAQ)
• Who Has Affordable Car Insurance Rates for Homeowners in Greensboro? (FAQ)
• What Insurance is Cheapest for Drivers Under 21 in Greensboro? (FAQ)
• Should I Buy a New or Used Car? (Allstate)
• Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
• Collision Coverage (Liberty Mutual)