Save Money on Kia Soul Insurance in Tucson

Insurance for Kia SoulHow long has it been since you sat down and looked for more affordable Kia Soul insurance in Tucson? Are you burned out from trying to scrape together enough money to pay your car insurance bill each month? You are in the same boat as the majority of other people in Arizona.

It’s amazing but the vast majority of car insurance customers kept buying from the same company for a minimum of four years, and nearly half have never compared rates with other companies. Drivers in Tucson could pocket approximately $700 a year just by comparing rates, but they don’t know the rate savings if they switched.

Steps to buying low-cost Kia Soul insurance in Tucson

If saving the most money is your goal, then the best way to find cheaper quotes for Kia Soul insurance in Tucson is to compare prices regularly from insurers that sell auto insurance in Arizona. You can shop around by completing these steps.

First, learn about policy coverages and the things you can control to lower rates. Many rating factors that result in higher prices such as traffic violations and an imperfect credit rating can be remedied by making minor changes to your lifestyle.

Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive and State Farm, while independent agents can give you price quotes from multiple insurance companies. View rates

Third, compare the new rate quotes to your current policy premium and see if there is a cheaper rate in Tucson. If you find better rates, make sure coverage does not lapse between policies.

Fourth, tell your current company to cancel your current coverage and submit any necessary down payment along with the completed application for your new coverage. Once the application is submitted, put the certificate verifying proof of insurance somewhere easily accessible.

One thing to remember is to try to use similar deductibles and liability limits on each price quote and and to get rate quotes from as many different insurance providers as possible. This helps ensure a level playing field and the best price quote selection.

Due to the large number of online and local companies to choose from, it is very difficult to pick the most affordable car insurance provider.

Most companies such as State Farm, Allstate and GEICO provide coverage price quotes direct online. This process is possible for anyone as you just enter your required coverages into the quote form. Behind the scenes, their rating system automatically retrieves reports for credit and driving violations and generates a price determined by many factors. The ability to get online quotes for Kia Soul insurance in Tucson makes comparing rates easy, and it is imperative to get many rate quotes in order to find cheaper prices.

To quickly compare pricing, check out the auto insurance providers below. If you currently have coverage, we recommend you enter the coverage information identical to your current policy. Using the same limits helps guarantee you will get a price comparison for similar coverage.

The companies shown below offer quotes in Arizona. To buy the cheapest car insurance in AZ, we recommend you compare several of them to get a more complete price comparison.

Affordable Tucson insurance rates with discounts

Properly insuring your vehicles can get expensive, but you can get discounts that could help you make your next renewal payment. Many discounts should be triggered at the time you complete a quote, but some discounts are required to be manually applied before you will receive the discount.Save money with discounts

It’s important to note that some of the credits will not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like you would end up receiving a 100% discount, you aren’t that lucky. But any discount will positively reduce the amount you pay for coverage.

The example below shows the comparison of Kia Soul insurance premiums with and without discounts applied to the policy rates. The information is based on a male driver, no violations or claims, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, homeowner, claim-free, multi-policy, and marriage discounts applied.

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

When getting free Tucson car insurance quotes, it’s a good idea to all the companies which credits you are entitled to. Some discounts listed above might not apply in Tucson.

Insurance statistics for a Kia Soul

The premium table shown below covers estimates of coverage prices for Kia Soul models. Having knowledge of how policy rates are figured can be valuable when making decisions on the best policy to buy.

Kia Soul Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $264 $390 $392 $24 $118 $1,188 $99
Soul Plus $264 $390 $392 $24 $118 $1,188 $99
Soul Exclaim $298 $390 $392 $24 $118 $1,222 $102
Soul Sport $298 $390 $392 $24 $118 $1,222 $102
Get Your Own Custom Quote Go

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Rate information does not factor in your specific Tucson location which can revise rates significantly.

Policy deductible comparison

The hardest decision when buying coverage is how high should the physical damage coverage deductibles be. The data tables below can help you understand the rate difference between high and low physical damage deductibles. The first price estimate table uses a $100 deductible and the second pricing table uses a $500 deductible.

Kia Soul insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $258 $466 $300 $18 $90 $1,157 $96
Soul Plus $258 $466 $300 $18 $90 $1,157 $96
Soul Exclaim $292 $466 $300 $18 $90 $1,191 $99
Soul Sport $292 $466 $300 $18 $90 $1,191 $99
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Kia Soul insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $188 $314 $300 $18 $90 $910 $76
Soul Plus $188 $314 $300 $18 $90 $910 $76
Soul Exclaim $212 $314 $300 $18 $90 $934 $78
Soul Sport $212 $314 $300 $18 $90 $934 $78
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in zip code location which can increase or decrease premiums considerably.

We can estimate from the data above that using a $100 deductible will cost in the ballpark of $21 more each month or $252 a year than choosing the higher $500 deductible. Due to the fact that you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you have at a minimum 19 months between claims, you would most likely save money if you choose a higher deductible.

How to calculate deductible break even period

Average monthly premium for $100 deductibles: $98
Average monthly premium for $500 deductibles (subtract): – $77
Monthly savings from raising deductible: $21
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $21
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

An important sidenote is that a higher deductible means you pay more out-of-pocket when you do file a claim. You need some extra funds in order to pay the deductible to have repairs made.

The information below demonstrates how choosing different deductibles and can affect Kia Soul insurance costs for different ages of insureds. The information is based on a single female driver, full physical damage coverage, and no discounts are applied.

Kia Soul liability rates compared to full coverage

The example below shows the comparison of Kia Soul insurance costs when comparing full coverage to state minimum liability only. The rates are based on no accidents or driving violations, $1,000 deductibles, single marital status, and no discounts are taken into consideration.

When to drop full coverage

There isn’t a steadfast formula of when to eliminate full coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is about 10% or more of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let’s assume your Kia Soul settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $5,000 after the policy deductible has been paid. If you are paying more than $500 annually to have full coverage, then you may want to consider only buying liability coverage.

There are some circumstances where dropping full coverage is not advised. If you still owe a portion of the original loan, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not buy liability only.

Auto insurance is available from agents near you

Some consumers still prefer to visit with an insurance agent and that is recommended in a lot of cases A good thing about comparing insurance prices online is that you can find lower rates but still work with a licensed agent.

Once you complete this form (opens in new window), your insurance coverage information is submitted to agents in your area that provide free Tucson car insurance quotes for your business. You won’t need to find an agent on your own due to the fact that quote results will go to you instantly. You can most likely find cheaper rates AND a local agent. In the event you want to get a price quote from a particular provider, you can always visit that company’s website and give them your coverage information.

Finding the right insurance company is decision based upon more than just a cheap price. Any agent in Tucson should have no problem answering these questions:

If you want a reliable agent, you should know the different agency structures and how they are distinctly different. Auto insurance agencies are categorized either independent agents or exclusive agents.

Exclusive Auto Insurance Agencies

Agents of this type can only place business with one company and examples are Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot provide other company’s prices so keep that in mind. Exclusive agencies are usually well trained in insurance sales which can be an advantage.

Below is a short list of exclusive insurance agencies in Tucson who can help you get comparison quotes.

4640 E Sunrise Dr #103Tucson, AZ 85718(520) 577-8833View Map

9136 E Valencia Rd #110Tucson, AZ 85747(520) 574-7777View Map

8925 E Golf Links RdTucson, AZ 85730(520) 722-7488View Map

More Tucson agents

Independent Insurance Agents

Independent agents are not restricted to one company so they can write business through many different auto insurance companies and possibly get better coverage at lower prices. If prices rise, your agent can just switch to a different company and you can keep the same agent. When comparing rate quotes, you definitely need to get some free quotes from a couple of independent agencies for maximum quote selection.

Below are independent insurance agencies in Tucson who can help you get price quotes.

5442 E 5th StTucson, AZ 85711(520) 747-3737View Map

2424 E Broadway Blvd # 114Tucson, AZ 85719(520) 918-2886View Map

6245 E Broadway BlvdSte 310Tucson, AZ 85711(520) 624-3456View Map

More Tucson agents

Car insurance can be complex

When it comes to buying insurance from an agent or online, there really is not a “best” method to buy coverage. You are unique.Car insurance savings

These are some specific questions can help discover whether or not you will benefit from professional help.

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Kia Soul Insurance Cost Factors

Lots of things are used when you get your auto insurance bill. Some factors are common sense such as your driving record, but other criteria are more transparent like where you live or how safe your car is. One of the most helpful ways to save on insurance is to to have a grasp of a few of the rating criteria that come into play when calculating your policy premiums. When you understand what impacts premium levels, this enables you to make decisions that could help you find lower insurance prices.

The following are some of the major factors used by your company to calculate your premiums.

Why do I need car insurance?

Even though it can be expensive, maintaining insurance serves an important purpose.

First, just about all states have minimum mandated liability insurance limits which means you are required to carry specific minimum amounts of liability in order to drive the car. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a lien on your car, most lenders will force you to have comprehensive coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may insure your Kia for a lot more money and require you to reimburse them a much higher amount than you were paying before.

Third, car insurance preserves both your vehicle and your assets. It will also reimburse you for most medical and hospital costs that are the result of an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to have it repaired.

The benefits of buying car insurance definitely exceed the price paid, particularly when you have a large claim. On average, a vehicle owner in Tucson is currently overpaying as much as $855 a year so it’s very important to do a rate comparison once a year at a minimum to be sure current rates are still competitive.

Compare but don’t skimp

Insureds who switch companies do it for a variety of reasons including poor customer service, high prices, an unsatisfactory settlement offer or even policy cancellation. Regardless of your reason for switching companies, finding the right car insurance provider is pretty easy and you might even save some money in the process.

There are still a few companies who may not have internet price quotes and most of the time these small, regional companies provide coverage only through independent agents. Cheaper Kia Soul insurance in Tucson can be purchased online and from local insurance agents, so you should compare both to have the best chance of lowering rates.

We covered many ways to reduce Kia Soul insurance premium rates online in Tucson. The key thing to remember is the more times you quote, the better your comparison will be. You may even discover the lowest premium rates are with a company that doesn’t do a lot of advertising.

How to find affordable quotes for Kia Soul insurance in Tucson

The best way to find lower priced car insurance rates is to start doing an annual price comparison from different companies who provide auto insurance in Tucson.

One tip to remember is to use the same level of coverage on every quote and and to get prices from as many different insurance providers as possible. This guarantees an apples-to-apples comparison and a thorough selection of prices.

More information can be found at these links: