Cheapest Insurance for a Kia Soul in Virginia Beach

Unbelievable but true according to a study the vast majority of consumers have been with the same company for a minimum of four years, and just short of a majority have never compared quotes from other companies. Most drivers in Virginia Beach could save nearly 45% each year just by getting comparison quotes, but they just don’t understand how easy it is to compare rates and save money.

Really, the only way to find cheaper quotes for auto insurance rates is to begin comparing prices regularly from providers that sell auto insurance in Virginia Beach. Rates can be compared by completing these steps.

Step 1: Learn about coverages and the things you can control to prevent rate increases. Many policy risk factors that result in higher rates such as at-fault accidents and an unfavorable credit rating can be amended by being financially responsible and driving safely.

Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from a single company like GEICO and State Farm, while independent agents can provide rate quotes from multiple insurance companies. Compare rates

Step 3: Compare the new rate quotes to the price on your current policy to see if a cheaper price is available. If you find a lower rate quote and buy the policy, make sure coverage is continuous and does not lapse.

A valuable tip to remember is to use identical coverages on each quote request and and to get price estimates from every insurance company. Doing this helps ensure an apples-to-apples comparison and and a good selection of different prices.

If you currently have auto insurance, you will surely be able to get lower rates using the techniques covered below. Locating the best rates in Virginia Beach is actually quite simple. Nevertheless, Virginia consumers must understand the way insurance companies set your policy premium and use this information to your advantage.

What Impacts Kia Soul Insurance Prices?

It’s important that you understand some of the factors that aid in calculating the price you pay for auto insurance. If you know what determines premiums, this helps enable you to make changes that can help you get lower rates. Lots of things are considered when you quote your car insurance policy. Some of the criteria are obvious like your driving record, although some other factors are more obscure such as your marital status or your vehicle rating.

Shown below are some of the most common factors used by insurance companies to determine premiums.

Married drivers get cheaper prices – Having a spouse actually saves money on your auto insurance bill. It translates into being more responsible and it’s proven that being married results in fewer claims.

Raise your coverage deductibles for better premiums – Comprehensive and collision coverage deductibles define how much you are required to pay if the claim is covered. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of covered claims would be colliding with a stationary object, collision with a deer, and having a roll-over accident. The more damage repair cost you are required to pay out-of-pocket, the lower your rates will be.

Your vocation may affect premiums – Jobs such as fire fighters, executives, and emergency personnel usually pay higher rates than average in part from intense work situations and lengthy work days. On the flip side, jobs such as scientists, historians and homemakers receive lower rates.

Which gender costs less? – Statistics have proven that females tend to be a little less risky than males. However, don’t assume that men are WORSE drivers than women. Males and females have accidents at a similar rate, but the men tend to have higher claims. In addition to higher claims, males also get higher numbers of serious violations like DWI (DUI) or reckless driving. Male teenagers generally have the highest accident percentage and are penalized with high auto insurance rates.

The information below shows the comparison of Kia Soul auto insurance costs for male and female drivers. The rate quotes are based on no violations or claims, full coverage, $100 deductibles, drivers are not married, and no other discounts are factored in.

Safety first – Vehicles with good safety scores get lower rates. These vehicles protect occupants better and reduced instances of injuries means less claims paid which can result in lower premiums.

With age comes responsibility – Young drivers in Virginia are statistically shown to get distracted easily behind the wheel so auto insurance rates are higher. Parents adding a inexperienced driver to your policy can really hurt. More experienced drivers are more responsible, cause fewer claims and accidents, and are safer drivers.

The following chart uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.

Rural vs Urban Areas – Residing in small towns and rural areas can be a good thing when trying to find low car insurance rates. Drivers who live in large cities have to deal with more road rage incidents and longer commute times. Lower population means a lower chance of having an accident.

Poor credit score equals high prices – Credit history factor in calculating your premium rate. Drivers with high credit ratings tend to be more responsible than drivers with lower ratings. So if your credit score can be improved, you could save money insuring your Kia Soul by improving your credit score.

Insurance loss statistics a Kia Soul – Insurance companies use past loss statistics for each vehicle when setting rates for each model. Vehicles that are shown to have increased losses will have increased rates.

The data below shows the historical loss data for Kia Soul vehicles. For each insurance policy coverage type, the claim amount for all vehicles, as an average, is represented as 100. Values under 100 suggest a positive loss record, while values that are above 100 indicate more frequent claims or larger claims.

The best way we recommend to compare insurance rates in your area is to know the trick auto insurance companies actually pay money for the chance to quote your coverage. All you need to do is spend a couple of minutes providing details such as whether or not you need a SR-22, how much you drive, how old drivers are, and if the car is leased. The data is instantly provided to many of the top insurers and you will receive price estimates instantly.

To start a quote now, click here and find out if lower rates are available in Virginia Beach.

The companies shown below have been selected to offer free rate quotes in Virginia. If multiple companies are listed, we recommend you visit two to three different companies to get a more complete price comparison.

Premium rates and analysis

The premium information displayed next covers a range of insurance costs for Kia Soul models. Having knowledge of how insurance rates are established can help you make informed decisions when comparing rates.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Table data does not factor in specific location information which can lower or raise premium rates substantially.

Can higher deductibles save money?

One frequently asked question is how high should the physical damage coverage deductibles be. The comparisons below may help you to understand the rate differences between high and low policy deductibles. The first rate comparisons uses a $250 deductible for physical damage and the second price chart uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Price estimates do not factor in zip code location which can lower or raise prices considerably.

Based on the above data, using a $250 deductible costs about $19 more each month or $228 each year than buying the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 39 months between claim filings, you would come out ahead if you elect the higher deductible.

It may be expensive, but it’s not optional

Even though Virginia Beach Soul insurance rates can get expensive, maintaining insurance may be required and benefits you in several ways.

• Just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific level of liability coverage if you want to drive legally. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
• If you took out a loan on your Kia, it’s guaranteed your bank will require that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank will be required to insure your Kia at a more expensive rate and force you to pay the higher price.
• Car insurance protects your Kia and your assets. It will also pay for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. Liability coverage also covers legal expenses if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to repair the damage.

The benefits of insuring your car are without a doubt worth the cost, especially if you ever need it. But the average American driver is currently overpaying as much as $750 every year so smart consumers compare quotes every year to make sure the price is not too high.

Discounts can help to save on Kia Soul insurance in Virginia Beach

Companies that sell car insurance do not list the entire discount list in a way that’s easy to find, so the list below contains some of the more common and also the lesser-known discounts you could be receiving when you buy Virginia Beach auto insurance online.

• ABS Braking Discount – Cars, trucks, and SUVs that have anti-lock braking systems prevent accidents so companies give up to a 10% discount.
• Policy Bundle Discount – If you can bundle your home and auto insurance with one insurance company you will save nearly 15% which can help you find affordable Kia Soul insurance rates in Virginia Beach.
• Resident Student – Youth drivers who live away from home at college and don’t have a car may be able to be covered for less.
• Payment Discounts – If you pay your bill all at once rather than spreading payments over time you could save up to 5%.
• Save over 55 – Drivers over the age of 55 could receive a discount up to 10%.
• Active Military Service – Having an actively deployed family member could be rewarded with lower prices.

Remember that many deductions do not apply to the entire policy premium. Some only apply to specific coverage prices like comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, that’s just not realistic.

The example below illustrates the difference between Kia Soul auto insurance rates with and without discounts being applied to the rates. Data assumes a male driver, no claims or driving citations, Virginia 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-policy, marriage, multi-car, safe-driver, homeowner, and claim-free discounts applied.

A few of the larger companies and some of their more popular discounts include:

• Farm Bureau offers premium reductions for multi-policy, driver training, multi-vehicle, good student, and safe driver.
• State Farm may include discounts for multiple autos, multiple policy, Steer Clear safe driver discount, student away at school, good driver, and driver’s education.
• Progressive discounts include multi-vehicle, online quote discount, online signing, continuous coverage, and homeowner.
• Allstate policyholders can earn discounts including utility vehicle, good payer, new car, senior citizen, anti-theft, passive restraint, and EZ pay plan discount.
• Nationwide has savings for defensive driving, good student, multi-policy, family plan, business or organization, Farm Bureau membership, and anti-theft.
• MetLife has discounts for multi-policy, claim-free, accident-free, good student, good driver, and defensive driver.

Before you buy a policy, ask each company the best way to save money. Some credits might not be available to policyholders everywhere.

When should I talk to an insurance agency?

Some people just prefer to get advice from a local agent and doing so can bring peace of mind The best thing about comparing insurance prices online is that you can find better rates and still have an agent to talk to.

After completing this form (opens in new window), the coverage information is emailed to participating agents in Virginia Beach that provide free Virginia Beach auto insurance quotes to get your business. It makes it easy because there is no need to contact any agents since price quotes are sent to your email. Get lower rates and a licensed agent to work with. If for some reason you want to compare rates from a specific company, you can always search and find their rate quote page and give them your coverage information.

Selecting an insurance company is decision based upon more than just a low price. You should also get answers to these questions.

• Do they have a Better Business Bureau rating in Virginia Beach?
• Does the company allow you to choose your own collision repair facility?
• Which companies can they place coverage with?
• Which members of your family are coverage by the policy?
• Where would glass claims be handled in Virginia Beach?
• What insurance companies do they recommend if they are an independent agent?
• Will they make sure you get an adequate claim settlement?

When narrowing the list to find local Virginia Beach agents, you must know there are a couple types of insurance agents and how they differ in how they can insure your vehicles. Agents in Virginia Beach are categorized either exclusive agents or independent agents.

Exclusive Agencies

Agents in the exclusive channel generally can only insure with one company such as Allstate, Farmers Insurance or State Farm. These agents are unable to give you multiple price quotes so you need to shop around if the rates are high. They are highly trained on their company’s products which helps them sell insurance even at higher premiums.

The following is a short list of exclusive insurance agencies in Virginia Beach who can help you get rate quotes.

More Virginia Beach agents

Independent Car Insurance Agents

Independent agencies are normally appointed by many insurers and that is an advantage because they can write policies with a variety of different insurance companies and find the cheapest rate. If your agent finds better pricing, your policy is moved internally and you don’t have to switch agencies.

If you are trying to find cheaper rates, we highly recommend that you get quotes from a couple of independent agencies to have the most options to choose from.

Below is a short list of independent agents in Virginia Beach that can give you comparison quotes.

More Virginia Beach agents

Upon receiving answers to your satisfaction to these questions as well as a price you’re happy with, it’s possible that you found an insurance agency that is reputable and can service your policy. Just be aware that it’s your coverage and you can cancel your coverage at any time so never feel that you are obligated to any specific company indefinitely.

What is the best auto insurance company in Virginia?

Finding the top company is hard considering how many companies are available to choose from in Virginia Beach. The company ratings in the next section could help you analyze which companies you want to consider to insure your vehicles.

Top 10 Virginia Beach Car Insurance Companies Ranked by Claims Service

1. Travelers
2. Allstate
3. Nationwide
4. State Farm
5. GEICO
6. Liberty Mutual
7. American Family
8. Esurance
9. AAA Insurance
10. Titan Insurance

Top 10 Virginia Beach Car Insurance Companies Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General

Special considerations

When it comes to the best auto insurance coverage, there really is no perfect coverage plan. Your situation is unique and your policy should reflect that.
These are some specific questions may help highlight if you would benefit from professional advice.

• Should I carry comprehensive and collision coverage?
• Are there companies who specialize in insuring high-risk drivers?
• Is there a penalty for late payment?
• Should I buy additional glass protection?
• Is my vehicle covered by my employer’s policy when using it for work?
• Am I covered when delivering products for my home-based business?
• Am I covered when using my vehicle for business?
• Why am I required to buy liability insurance?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Cheaper car insurance is a realistic goal

We just showed you many ideas to reduce Kia Soul insurance prices online in Virginia Beach. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. Consumers may even find the lowest priced car insurance comes from some of the lesser-known companies. These companies may cover specific market segments cheaper as compared to the big name companies such as Allstate, GEICO and Progressive.

Some car insurance companies do not provide online quoting and many times these regional insurance providers only sell coverage through independent agents. Cheap Kia Soul insurance in Virginia Beach can be bought on the web and also from your neighborhood Virginia Beach agents, so you need to compare both in order to have the best chance of saving money.

Additional information can be found below:

• Distracted Driving Extends Beyond Texting (State Farm)
• Comprehensive Coverage (Liberty Mutual)
• Driving in Bad Weather (Insurance Information Institute)
• Understanding Rental Car Insurance (Insurance Information Institute)
• Cellphones, Texting and Driving (iihs.org)