Compare Kia Soul Insurance Quotes in San Diego

Would you like to stop wasting money and find more competitive Kia Soul insurance in San Diego? Are you sick and tired of sacrificing to make your auto insurance payment? You have the same problem as most other vehicle owners in California.

Insurance rates Kia Soul in San DiegoIt’s hard to fathom, but most California auto insurance customers have stayed with the same insurance company for more than four years, and nearly 40% of drivers have never quoted rates to find affordable coverage. Consumers in America could save an average of almost $850 each year by just shopping around, but most just don’t grasp the amount of money they would save if they switch to a new company.

With vehicle owners having so many choices of insurance companies that have cheaper insurance for a Kia Soul in San Diego, it can be diffult for drivers to choose the most cost effective company.

Consumers should take time to quote other rates once or twice a year because prices are usually higher with each renewal. Even if you got the lowest rates on Kia Soul insurance in San Diego a few years ago the chances are good that you can find a lower premium rate today. Forget all the misinformation about auto insurance because you’re about to find out how to use the internet to buy cheaper Kia Soul insurance in San Diego.

This information will teach you a little about how car insurance works and how you can save the most money. If you have insurance now, you will be able to find the best rates using this information. Nevertheless, California consumers must understand how insurance companies sell insurance online because it can help you find the best coverage.

How Your Soul Insurance Rates are Determined

Lots of factors are considered when you get a price on insurance. Some are pretty understandable such as traffic violations, but other factors are less obvious such as your marital status or your vehicle rating.

Listed below are a partial list of the pieces used by your company to calculate premiums.

Keep in mind that getting more free quotes helps locate more affordable insurance.

The companies shown below can provide comparison quotes in California. If multiple companies are shown, we recommend you get prices from several of them to find the most competitive auto insurance rates.

Kia Soul Insurance Rates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $346 $632 $456 $26 $136 $1,596 $133
Soul Plus $238 $454 $464 $28 $138 $1,322 $110
Soul Exclaim $440 $576 $578 $34 $174 $1,802 $150
Soul Sport $440 $576 $578 $34 $174 $1,802 $150
Get Your Own Custom Quote Go

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rates do not factor in specific San Diego garaging location which can impact premiums substantially.

Raise deductibles and save

One frequently asked question is where should you set your physical damage deductibles. The comparisons below can help illustrate the differences in premium rates when you buy lower versus higher policy deductibles. The first rate table uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.

Kia Soul insurance 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 with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $210 $362 $442 $26 $132 $1,172 $98
Soul Plus $210 $362 $442 $26 $132 $1,172 $98
Soul Exclaim $238 $362 $442 $26 $132 $1,200 $100
Soul Sport $238 $362 $442 $26 $132 $1,200 $100
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can decrease or increase auto insurance rates considerably.

Based on the data above, we can derive that using a $250 deductible costs an average of $32 more each month or $384 each year than choosing 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 have more than 23 months between claims, you would save more money if you elect the higher deductible.

Choosing deductibles

The information below shows how choosing a deductible and can influence Kia Soul premium costs for different age groups of insureds. The premiums are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.

Cautious San Diego drivers save money

The illustration below shows how violations and at-fault fender-benders can affect Kia Soul insurance prices for different age categories. The information is based on a married female driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.

Why you need insurance for your Soul

Despite the fact that insurance is not cheap in San Diego, insuring your vehicle serves a purpose in several ways.

The benefits of carrying enough insurance are without a doubt worth the cost, particularly for liability claims. Today the average American driver is wasting up to $869 every year so it’s very important to do a rate comparison once a year at a minimum to ensure rates are inline.

San Diego insurance discounts

The price of auto insurance can be rather high, but there may be some discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you purchase, but once in a while a discount must be specially asked for prior to getting the savings. If you aren’t receiving every discount possible, you are paying more than you should be.Discount insurance

Policy discounts save money, but many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like comp or med pay. Even though the math looks like you can get free auto insurance, insurance companies aren’t that generous. Any qualifying discounts will lower your premiums.

The best insurance companies and their possible discounts are detailed below.

Before purchasing a policy, check with every insurance company to give you their best rates. Some discounts listed above may not apply to policies in your area. To see a list of insurance companies with discount rates in California, click this link.

Get rate quotes but buy from a local San Diego insurance agent

A small number of people would rather buy from a licensed agent and that is a smart decision The biggest benefit of comparing rate quotes online is you can get lower rates and still choose a local agent. Putting coverage with local insurance agents is important particularly in San Diego.

Once you complete this simple form, the coverage information is submitted to insurance agents in San Diego that provide free San Diego auto insurance quotes to get your business. It simplifies rate comparisons since you won’t have to contact any agents because prices are sent to you instantly. You’ll get the best rates without requiring a lot of work. If you want to get a price quote from a particular provider, feel free to jump over to their website and give them your coverage information.

What types of car insurance agents are in San Diego?

If you’re trying to find a reliable insurance agent, you need to know there are two different types of agents that differ in how they can insure your vehicles. Car insurance agents are considered either independent agents or exclusive agents depending on their employer.

Independent Agencies or Brokers

These type of agents can quote rates with many companies and that gives them the ability to insure through lots of different companies and find you the best rates. If your premiums go up, they simply move your policy to a different company and that require little work on your part.

If you need lower rates, it’s recommended you include rate quotes from at least one independent agent so that you have a good selection of quotes to compare.

Below is a list of independent insurance agents in San Diego who can help you get price quotes.

5425 Oberlin Dr #201San Diego, CA 92121(619) 718-7578View Map

4619 Convoy St # CSan Diego, CA 92111(858) 569-0383View Map

9171 Towne Centre Dr Suite 500San Diego, CA 92122(800) 321-4696View Map

View more San Diego agents

Exclusive Insurance Agents

Exclusive agencies can only quote rates from one company and examples are AAA, Allstate, and State Farm. Exclusive agencies are unable to shop your coverage around so they are skilled at selling on more than just price. Exclusive agencies are very knowledgeable on sales techniques and that can be a competitive advantage.

Below is a list of exclusive insurance agencies in San Diego that are able to give comparison quotes.

2254 Moore St #103San Diego, CA 92110(619) 295-8412View Map

12880 Rancho Penasquitos Blvd dSan Diego, CA 92129(858) 484-1297View Map

Steve Elder – State Farm Insurance Agent
9225 Mira Mesa Blvd #208dSan Diego, CA 92126(858) 271-8928View Map

View more San Diego agents

Finding the right auto insurance agent needs to be determined by more than just a cheap quote. Any agent in San Diego should be forthright in answering these questions:

Tailor your car insurance coverage to you

Always remember that when buying a policy, there really isn’t a “best” method to buy coverage. Your needs are unique to you.Drive safe and save

These are some specific questions might help in determining if your situation will benefit from professional help.

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form.

Do the work, save more money

You just read many ideas to compare Kia Soul insurance rates in San Diego. The key concept to understand is the more you quote San Diego auto insurance, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest priced auto insurance comes from a small local company.

When searching for the cheapest Kia Soul rate quotes, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where someone dropped full coverage and discovered at claim time that they should have had better coverage. The aim is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Lower-priced auto insurance in San Diego can be purchased both online in addition to local insurance agencies, so get free San Diego auto insurance quotes from both of them in order to have the best price selection to choose from. Some insurance providers may not provide rate quotes online and many times these regional insurance providers sell through independent agents.

More information