Kia Soul Insurance Quotes in Columbus

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Insurance quote for Kia Soul in ColumbusWant to know an easy way to compare more competitive Kia Soul insurance in Columbus? Locating the most affordable Columbus Kia Soul insurance quotes over the internet may seem to be problematic for drivers who are beginners to quoting and comparing prices on the internet. With such a large choice of online companies, how can anyone have a chance to compare every possible option in order to find the lowest price?

Steps to finding better rates for Kia Soul insurance in Columbus

If you want to save money, the best way to find low-cost prices for Kia Soul insurance is to do an annual price comparison from different companies who sell insurance in Columbus.

Step 1: Get an understanding of how insurance companies determine prices and the steps you can take to drop your rates. Many rating criteria that cause rate increases like high-risk driving behaviors and an imperfect credit score can be controlled by making minor changes in your lifestyle. Later in this article we will cover additional tips to help keep rates affordable and get additional discounts.

Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like GEICO or Farmers Insurance, while independent agents can provide rate quotes from multiple companies. Compare rates now

Step 3: Compare the new quotes to your current policy premium and determine if cheaper Soul coverage is available in Columbus. If you can save some money and make a switch, make sure coverage does not lapse between policies.

Step 4: Tell your current company to cancel your current car insurance policy and submit a completed application and payment for your new coverage. When you receive it, place your new certificate of insurance along with your vehicle registration.

An important part of this process is to compare similar limits and deductibles on each price quote and and to get price quotes from as many different insurance providers as possible. Doing this helps ensure a fair rate comparison and a better comparison of the market.

Amazingly, a large majority of insurance policyholders in Ohio have remained with the same insurance company for more than four years, and approximately 38% of consumers have never compared quotes from other companies. U.S. drivers could pocket about $850 a year, but they don't know the rate savings if they switched.

Just keep in mind that comparing more rates from different companies helps you find lower pricing.

The providers in the list below provide quotes in Columbus, OH. If more than one company is shown, we suggest you visit as many as you can to get the most competitive price.

Lower rates by qualifying for discounts

Insurance can be prohibitively expensive, but you might find some hidden discounts that you may not even know about. Some trigger automatically when you quote, but a few need to be specifically requested before being credited.Save money with discounts

  • Multi-policy Discount - If you can combine your auto and homeowners policy and insure them both with the same insurance company you could earn a discount of at least 10 to 15 percent or more.
  • Defensive Driving Course - Taking part in a defensive driver course may get you a small discount and easily recoup the cost of the course.
  • Anti-theft Discount - Vehicles equipped with tracking devices and advanced anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Early Signing - Some insurance companies give discounts for switching to them before your current coverage expires. This discount can save up to 10%.
  • Professional Organizations - Joining a qualifying organization could qualify you for a break on your policy.
  • Payment Discounts - If paying your policy premium upfront rather than spreading payments over time you may reduce your total bill.
  • Senior Discount - Seniors are able to get a discount up to 10%.
  • Columbus Homeowners Discount - Just owning your own home can get you a discount due to the fact that maintaining a home requires a higher level of personal finance.

It's important to understand that some credits don't apply to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, companies don't profit that way.

The information below shows the difference between Kia Soul yearly insurance costs with and without discounts being applied to the rates. The data assumes a female driver, no violations or accidents, Ohio state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, homeowner, multi-policy, safe-driver, and claim-free discounts applied.

If you would like to view insurance companies that offer some of these discounts in Columbus, click here to view.

Insurance rate breakdown

The rate table below showcases estimates of prices for Kia Soul models. Learning more about how auto insurance prices are formulated is important for drivers to make smart choices when choosing a car insurance company.

Kia Soul Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $104 $210 $296 $18 $88 $716 $60
Soul Plus $104 $210 $296 $18 $88 $716 $60
Soul Exclaim $118 $210 $296 $18 $88 $730 $61
Soul Sport $118 $210 $296 $18 $88 $730 $61
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Prices do not factor in vehicle location which can revise premiums greatly.

Choosing deductibles

The hardest decision when buying coverage is at what level do you set your deductibles. The tables below approximate how much more rates are when you choose different comp and collision deductibles. The first pricing table uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.

Kia Soul insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $176 $296 $226 $14 $68 $805 $67
Soul Plus $176 $296 $226 $14 $68 $805 $67
Soul Exclaim $198 $296 $226 $14 $68 $827 $69
Soul Sport $198 $296 $226 $14 $68 $827 $69
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Kia Soul insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $108 $186 $226 $14 $68 $602 $50
Soul Plus $108 $186 $226 $14 $68 $602 $50
Soul Exclaim $122 $186 $226 $14 $68 $616 $51
Soul Sport $122 $186 $226 $14 $68 $616 $51
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Price estimates do not factor in the specific area where the vehicle is garaged which can revise auto insurance rates noticeably.

Using the data above, we can ascertain that using a $250 deductible will cost you approximately $17 more each month or $204 for a full year than buying the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you go more than 44 months between claims, you would most likely save money going with the higher deductible.

The illustration below illustrates how your deductible choice and can raise or lower Kia Soul yearly insurance costs for different age categories. The costs are based on a single female driver, full coverage, and no discounts are applied.

Do you need full coverage?

The information below illustrates the comparison of Kia Soul car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Ohio. The rates are based on no claims or driving violations, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

Should you pay for full coverage or liability only?

There isn't a written rule that is best for determining when to drop physical damage coverage, but there is a general convention. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let's pretend your Kia Soul replacement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $3,000 after the policy deductible has been paid. If you are paying more than $300 a year to have full coverage, then you may need to consider dropping full coverage.

There are some cases where eliminating full coverage is not advised. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not buy liability only.

Smart Buyers Know How to Find Auto Insurance More Affordably

One of the most helpful ways to save on auto insurance is to to have a grasp of the different types of things that are used to determine the rates you pay for auto insurance. When you understand what influences your rates, this allows you to make good choices that will entitle you to big savings.

The items below are most of the major factors companies use to determine your rates.

  • Cheaper rates after marriage - Your spouse may earn you lower rates on your auto insurance policy. It means you're more responsible and it's statistically proven that married drivers tend to file fewer claims.
  • Bump up comp and collision deductibles to lower rates - Insurance for physical damage, also known as collision and other-than-collision, helps pay for damage to your vehicle. Some coverage claims could be running into the backend of another car, hail damage, and having your car stolen. Comp and collision deductibles tell how much you are willing to pay out-of-pocket before your auto insurance pays a claim. The higher the amount you choose to pay out-of-pocket, the lower your rates will be.
  • Battle of the sexes - Over the last 30 years, statistics show that women are safer drivers than men. However, don't assume that women are better drivers. They both are in auto accidents at a similar rate, but the males have costlier accidents. In addition to higher claims, males also get more serious tickets like DUI and reckless driving.

    The diagram below shows the comparison of Kia Soul auto insurance costs for male and female drivers. The prices are based on no violations or accidents, comp and collision included, $500 deductibles, single marital status, and no policy discounts are applied.

  • Amount of liability insurance - Liability coverage will protect you when a court rules you are at fault for an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Cautious drivers pay the best costs - A bad driving record can have a huge impact on auto insurance premiums. Drivers who don't get tickets get better rates than bad drivers. Having just one speeding ticket or other violation can boost insurance rates substantially. Drivers who get severe violations like DUI, reckless driving or excessive speeding may be required to file a proof of financial responsibility form (SR-22) with their state in order to prevent a license revocation.

    The illustration below demonstrates how traffic citations and at-fault accidents can raise Kia Soul insurance costs for different categories of driver ages. The premium estimates are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.

  • Kia Soul claim probability - Insurance companies analyze claim trends for every vehicle to calculate a price that offsets possible losses. Models that the data determines to have higher number or severity of losses will have higher premium rates. The table below demonstrates the compiled insurance loss statistics for Kia Soul vehicles.

    For each policy coverage type, the claim probability for all vehicles combined as an average is represented as 100. Values that are 100 or less represent a good loss history, while values over 100 indicate higher probability of having a loss or an increased likelihood of larger losses.

    Kia Soul Insurance Loss Statistics
    Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Kia Soul 89 98 84 138 138 118

    Statistics from for 2013-2015 Model Years

What if I want to buy from local Columbus insurance agencies?

Many people just prefer to sit down with an agent and we recommend doing that One of the great benefits of getting online price quotes is you may find the best rates but still work with a licensed agent.

After completing this short form, your insurance coverage information is submitted to local insurance agents in Columbus who will gladly provide quotes for your car insurance coverage. You never need to contact an agency since rate quotes are delivered to you directly. You'll get the best rates and a licensed agent to talk to. If you need to compare rates from a specific company, feel free to search and find their rate quote page and fill out their quote form.

Finding a good insurer should depend on more than just a cheap price quote. These are valid questions to ask:

  • Can they give you a list of client referrals?
  • Does the agent have a valid license to sell insurance in Ohio?
  • Can you use your own choice of collision repair facility?
  • Is there a local claims center in Columbus?
  • Do they receive special compensation for putting your coverage with one company over another?

If you want to use a good insurance agency, there are a couple of different agency structures and how they differ in how they can insure your vehicles. Car insurance agents can be described as either exclusive agents or independent agents.

Exclusive Agencies

These agents can usually just insure with one company like State Farm, AAA, and Liberty Mutual. Exclusive agencies are unable to give you multiple price quotes so keep that in mind. Exclusive agents are well trained on what they offer which helps overcome the inability to quote other rates. Some insured continue to buy insurance from these agents mostly because of the brand name rather than having the cheapest rates.

Shown below are exclusive agents in Columbus willing to provide comparison quotes.

More insurance agents

Independent Agencies or Brokers

Agents that choose to be independent often have affiliation with several companies and that gives them the ability to insure through many different car insurance companies and get you the best rates possible. If you want to switch companies, your agent can switch companies which requires no work on your part.

If you need lower rates, it's a good idea to compare quotes from at a minimum one independent agency for maximum quote selection. Most also write with small mutual carriers who may have lower rates.

Listed below are independent insurance agents in Columbus who can help you get price quotes.

More insurance agents

Smart shoppers get results

Drivers leave their current company for many reasons like policy non-renewal, extreme rates for teen drivers, delays in paying claims and even poor customer service. It doesn't matter why you want to switch finding a great new company is actually quite simple.

Affordable Kia Soul insurance in Columbus can be found both online and from local agencies, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who may not offer online rate quotes and these smaller companies sell through independent agencies.

When getting Columbus car insurance quotes online, you should never buy poor coverage just to save money. There have been many cases where an insured cut liability limits or collision coverage only to regret at claim time they didn't have enough coverage. Your aim should be to find the BEST coverage for the lowest cost, but do not sacrifice coverage to save money.

Steps to finding lower priced Kia Soul insurance in Columbus

The most effective way to find the cheapest price for Kia Soul insurance in Columbus is to start comparing rates regularly from insurers who can sell car insurance in Ohio.

  1. Read about car insurance and the factors you can control to drop your rates. Many rating factors that result in higher prices such as traffic violations and poor credit rating can be rectified by paying attention to minor details.
  2. Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from one company like Progressive or Farmers Insurance, while independent agents can provide prices for a wide range of companies.
  3. Compare the new rate quotes to your existing rates to see if a cheaper rate is available. If you can save some money and decide to switch, make sure there is no coverage gap between policies.
  4. Provide notification to your current agent or company of your intention to cancel your existing policy and submit the signed application along with the required initial payment to the new company. Once received, put the proof of insurance certificate in an easily accessible location.

The most important part of this process is to make sure you enter identical coverage information on every price quote and and to compare as many different insurance providers as possible. Doing this provides the most accurate price comparison and many rates to choose from.

Additional detailed information can be found at these sites: