Kia Soul Insurance Quotes in San Francisco

Discount Kia Soul insuranceIf you want to find the absolute lowest rates, then the best way to get affordable auto insurance rates in San Francisco is to compare prices once a year from insurance carriers in California.

  1. Get a basic knowledge of how companies set rates and the modifications you can make to prevent high rates. Many things that cause rate increases like getting speeding tickets and an unfavorable credit rating can be improved by making lifestyle changes or driving safer. Keep reading for information to get cheaper coverage and earn larger discounts.
  2. Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from one company like GEICO or Allstate, while agents who are independent can provide prices for many different companies. Find a San Francisco insurance agent
  3. Compare the new rate quotes to your existing rates to determine if switching companies saves money. If you can save money and switch companies, make sure coverage is continuous and does not lapse.
  4. Give proper notification to your current agent or company to cancel your current auto insurance policy. Submit a down payment and signed policy application to the newly selected company. Make sure you put the certificate verifying coverage in your vehicle’s glove compartment or console.

One key aspect when comparing rates is to make sure you enter the same coverage limits and deductibles on each price quote and and to get rates from as many companies as possible. Doing this helps ensure an apples-to-apples comparison and a complete selection of prices.

It’s amazing but the majority of drivers kept their policy with the same company for more than four years, and just under half have never compared rates to find cheap insurance. Drivers in the United States could save themselves $859 a year just by shopping around, but they mistakenly think it’s difficult to compare rate quotes online.

It’s important to know that comparing a wide range of rates increases your odds of finding a lower rate than you’re paying now. Not every company allows you to get online price quotes, so you also need to get prices from them as well.

The companies in the list below can provide price comparisons in California. If multiple companies are listed, it’s highly recommended you click on several of them in order to find the most affordable rates.

Auto insurance discounts help lower rates for Kia Soul insurance in San Francisco

Companies don’t always advertise the entire discount list in an easy-to-find place, so we took the time to find a few of the more common and the harder-to-find credits available to lower your premiums when you buy San Francisco auto insurance online.Discount auto insurance

A little note about advertised discounts, most discounts do not apply to the whole policy. Most cut individual premiums such as collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

The diagram below illustrates the difference between Kia Soul insurance rates with and without discounts applied to the policy premium. The data is based on a male driver, no accidents, no driving violations, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, multi-policy, marriage, and safe-driver discounts applied.

Popular auto insurance companies and some of the premium reductions they offer are:

If you are trying to find low cost San Francisco auto insurance quotes, ask every insurance company which discounts you qualify for. Some of the earlier mentioned discounts may not be offered everywhere. To locate auto insurance companies who offer free Kia Soul insurance quotes in California, click here to view.

Kia Soul insurance charts and tables

The table displayed next showcases a range of insurance coverage prices for Kia Soul models. Learning how car insurance prices are established can help customers make decisions when shopping your coverage around.

Kia Soul Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $434 $686 $578 $34 $174 $1,906 $159
Soul Plus $434 $686 $578 $34 $174 $1,906 $159
Soul Exclaim $490 $686 $578 $34 $174 $1,962 $164
Soul Sport $490 $686 $578 $34 $174 $1,962 $164
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Information does not factor in specific San Francisco garaging location which can raise or lower premiums significantly.

Physical damage deductibles

One frequently asked question is how high should your deductibles be. The following insurance rates may help to conceptualize the costs and benefits when you choose different deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second data table uses a $500 deductible.

Kia Soul insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $342 $576 $442 $26 $132 $1,543 $129
Soul Plus $342 $576 $442 $26 $132 $1,543 $129
Soul Exclaim $386 $576 $442 $26 $132 $1,587 $132
Soul Sport $386 $576 $442 $26 $132 $1,587 $132
Get Your Own Custom Quote Go

Kia Soul insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $278 $464 $442 $26 $132 $1,342 $112
Soul Plus $278 $464 $442 $26 $132 $1,342 $112
Soul Exclaim $314 $464 $442 $26 $132 $1,378 $115
Soul Sport $314 $464 $442 $26 $132 $1,378 $115
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Premium costs do not factor in your specific San Francisco location which can affect premium rates significantly.

Based on the above data, using a $250 deductible costs approximately $17 more each month or $204 every year averaged for all Soul models than requesting the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to go more than 15 months between claims, you would probably come out ahead by selecting a higher deductible.

Difference between liability only and full coverage rates

The chart below shows the difference between Kia Soul insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no claims or driving violations, $100 deductibles, single marital status, and no discounts are factored in.

When to stop buying physical damage coverage

There is no exact formula of when to stop paying for full coverage, but there is a guideline you can consider. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Kia Soul replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $8,000 after the deductible is paid. If premium cost is more than $800 a year to have full coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where buying only liability insurance is not advised. If you haven’t paid off your loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.

Buying car insurance from San Francisco car insurance agents

Certain consumers prefer to have an agent’s advice. One of the benefits of comparing insurance prices online is you can get lower rates and still have a local agent. Buying insurance from local agents is important especially in San Francisco.

Insurance agency in San FranciscoTo find an agent, once you fill out this form (opens in new window), the coverage information is instantly submitted to agents in your area who want to provide quotes to get your business. You never need to contact any insurance agencies since rate quotes are delivered to the email address you provide. You’ll get the best rates AND a local agent. If you want to compare prices from a particular provider, you would need to jump over to their website and complete a quote there.

If you would like to find a reliable agent, there are two types of agencies and how they are distinctly different. Agents in San Francisco are either exclusive or independent (non-exclusive).

Independent Car Insurance Agencies or Brokers

Agents of this type are not employed by one company so they have the ability to put coverage with a variety of different insurance companies and find the cheapest rate. If you are not satisfied with one company, an independent agent can move your coverage without you having to go to a different agency. If you need lower rates, it’s a good idea to get insurance quotes from several independent agencies to have the best price comparison.

The following is a partial list of independent agencies in San Francisco that may be able to give you free rate quotes.

2620 Judah StSan Francisco, CA 94122(415) 731-7062View Map

2 Twin Peaks BlvdSan Francisco, CA 94114(415) 665-1440View Map

6037 Geary BlvdSan Francisco, CA 94121(415) 592-8388View Map

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Exclusive Car Insurance Agencies

Agents that elect to be exclusive can only place business with one company and some examples include American Family, State Farm, and AAA. They generally cannot provide rate quotes from other companies so they really need to provide good service. Exclusive insurance agents receive a lot of sales training on their company’s products which helps offset the inability to provide other markets.

Shown below are San Francisco exclusive agents willing to provide comparison quotes.

5108 Geary BlvdSan Francisco, CA 94118(415) 292-3380View Map

556 Castro StSan Francisco, CA 94114(415) 575-3775View Map

1250 Missouri St Unit 305San Francisco, CA 94107(415) 872-5734View Map

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Finding the right auto insurance agent requires you to look at more than just the premium amount. Ask your prospective agent these questions:

If you get answers to your satisfaction to any questions you may have in addition to an acceptable price estimate, you have narrowed it down to a car insurance agent that will insure your vehicles.

Insurance can get complicated

When it comes to coverage for your vehicles, there is no one size fits all plan. Every situation is different.Safe vehicles cost less to insure

For instance, these questions can help discover if you might need an agent’s assistance.

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

What Determines Kia Soul Insurance Premiums?

Multiple criteria are considered when you get a price on insurance. Some of the criteria are obvious such as your driving history, but other factors are more obscure such as your credit history or your commute time. The best way to find cheaper insurance is to take a look at some of the elements that go into determining your premiums. When you understand what positively or negatively impacts your premiums, this allows you to make good choices that will entitle you to cheaper rates.

Why you need Kia vehicle insurance in California

Despite the potentially high cost of Kia Soul insurance, insuring your vehicle may be required and benefits you in several ways.

First, almost all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific limits of liability if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you bought your car with a loan, almost all lenders will force you to have full coverage to guarantee payment of the loan. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Kia for a much higher rate and make you pay a much higher amount than you were paying before.

Third, insurance safeguards not only your car but also your financial assets. It will also pay for hospital and medical expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance will also pay for a defense attorney in the event you are sued. If you have damage to your Kia as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of having insurance outweigh the cost, particularly for liability claims. On average, a vehicle owner in San Francisco overpays as much as $855 a year so it’s recommended you shop around each time the policy renews to make sure the price is not too high.

You can find cheap coverage

Some companies do not offer rates over the internet and these small insurance companies provide coverage only through independent insurance agents. Cheap Kia Soul insurance in San Francisco can be sourced from both online companies in addition to local insurance agencies, and you need to comparison shop both to get a complete price analysis.

People who switch companies do it for a variety of reasons including unfair underwriting practices, an unsatisfactory settlement offer, delays in responding to claim requests and lack of trust in their agent. Regardless of your reason for switching companies, choosing a new insurance company is not as hard as you think.

We just showed you a lot of tips how to compare Kia Soul insurance premium rates in San Francisco. The key thing to remember is the more quotes you get, the better chance you’ll have of finding affordable Kia Soul insurance quotes. Consumers could even find that the lowest priced insurance comes from the least-expected company.

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