Cheapest 2013 Kia Soul Insurance Rates in 2023
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UPDATED: Jun 5, 2023
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Searching for the cheapest insurance for a new or used Kia Soul can turn out to be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to shop for insurance coverage so we’re going to tell you the quickest way to price shop coverage for a Kia and locate the best price possible from both online companies and local agents.
If you have a policy now or are shopping for new coverage, you will benefit by learning to shop for the lowest rates while maintaining coverages. Buying affordable insurance coverage is not that difficult. Drivers just need to learn the tricks to shop their coverage around online.
Save big with these ten discounts
Companies offering auto insurance do not advertise all their discounts in a way that’s easy to find, so here is a list both well-publicized and also the lesser-known insurance savings. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.
- Drive Less and Save – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
- Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
- Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
- 55 and Retired – Mature drivers may be able to get a discount up to 10% for Soul insurance.
- Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% for Soul insurance with certain companies.
- E-sign – Some insurance companies may give you up to $50 just for signing your application digitally online.
- New Vehicle Savings – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
- No Charge for an Accident – A few companies allow you one accident without raising rates if your claims history is clear prior to the accident.
- Auto/Home Discount – If you insure your home and vehicles with one company you could get a discount of approximately 10% to 15%.
- Military Rewards – Having a deployed family member could be rewarded with lower premiums.
A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most only reduce individual premiums such as medical payments or collision. Just because it seems like adding up those discounts means a free policy, you won’t be that lucky.
Companies that may offer these benefits may include but are not limited to:
It’s a good idea to ask each insurance company which discounts you may be entitled to. Discounts may not apply everywhere.
But I don’t know anything about car insurance
When it comes to buying the best insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.
For example, these questions might help in determining whether you may require specific advice.
- I have health insurance so do I need medical payments coverage?
- When should my teen driver be added to my policy?
- Do I need higher collision deductibles?
- Do I really need UM/UIM coverage?
- Who is covered by my policy?
- Is my nanny covered when driving my vehicle?
- Am I covered when driving someone else’s vehicle?
If you can’t answer these questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.
Car insurance policy specifics
Understanding the coverages of your policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.
Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for EMT expenses, X-ray expenses, hospital visits, doctor visits and chiropractic care. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
Coverage for uninsured or underinsured drivers – This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.
Comprehensive car insurance – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things such as damage from a tornado or hurricane, hitting a deer and theft. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Auto liability – Liability insurance protects you from damage or injury you incur to a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.
Liability coverage pays for claims like repair costs for stationary objects, emergency aid, funeral expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.
Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like colliding with a tree, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.
As you go through the steps to switch your coverage, it’s not a good idea to buy less coverage just to save a little money. There are a lot of situations where drivers have reduced collision coverage and discovered at claim time that it was a big error on their part. The aim is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.
Affordable 2013 Kia Soul insurance is possible both online as well as from independent agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who don’t offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.
Insureds leave their current company for a variety of reasons including policy cancellation, extreme rates for teen drivers, unfair underwriting practices and even policy non-renewal. Whatever your reason, finding a new insurance coverage company can be easy and end up saving you some money.
For more information, feel free to browse the following helpful articles:
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
- Understanding Limits and Deductibles (Allstate)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- All About Airbag Safety (State Farm)
Frequently Asked Questions
What factors can affect the cost of insurance for a 2013 Kia Soul?
The cost of insurance for a 2013 Kia Soul can be influenced by several factors, including your driving record, location, age, gender, credit history, coverage limits, deductibles, and the insurance company’s underwriting guidelines. Additionally, the type of coverage, discounts applied, and the value of the vehicle can also impact insurance rates.
Can I get insurance coverage for my 2013 Kia Soul if I have a less-than-perfect driving record?
Yes, insurance coverage is generally available even if you have a less-than-perfect driving record. However, having violations or accidents on your record may result in higher insurance premiums. It’s recommended to compare quotes from different insurance companies, as some may be more lenient or offer better rates for drivers with imperfect records.
Do I need to purchase additional coverage if I already have health insurance?
While having health insurance is important, it may not cover all expenses resulting from a car accident. Medical payments coverage (PIP) or personal injury protection can provide additional coverage for short-term medical expenses, regardless of who is at fault. It’s advisable to review your health insurance policy and consult with an insurance agent to determine the appropriate level of coverage for your situation.
Can I customize my insurance policy for my 2013 Kia Soul?
Yes, insurance policies can often be customized to meet your specific needs. You can choose from various coverage options and adjust the limits and deductibles to tailor the policy to your requirements. It’s recommended to discuss your preferences with an insurance agent who can help you customize a policy that suits your needs and budget.
What should I do if I’m involved in an accident with my Kia Soul?
If you’re involved in an accident with your Kia Soul, follow these steps:
- Ensure everyone’s safety and call emergency services if necessary.
- Exchange information with the other party involved, including names, contact details, and insurance information.
- Document the accident scene by taking photos and noting any relevant details.
- Notify your insurance company as soon as possible to report the incident and initiate the claims process.
- Cooperate with your insurance company during the investigation and provide any required documentation or information.
Can I add a teenage driver to my insurance policy for my 2013 Kia Soul?
Yes, you can add a teenage driver to your insurance policy for your 2013 Kia Soul. However, it’s important to note that adding a teen driver to your policy may increase your premiums due to their limited driving experience. It’s advisable to check with your insurance company to understand the impact on your rates and explore any available discounts for young drivers.
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