Would you like to save money by finding lower-priced Kia Soul EV insurance in Atlanta? I can't think of anyone who fancies paying their premiums for insurance, particularly when the price is too high.
Statistics show that most consumers in Georgia kept buying from the same company for four years or more, and nearly half have never compared rate quotes at all. Many drivers in America can save 47% each year just by shopping around, but they mistakenly think it's difficult to find lower-cost insurance rates. Big companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with ad campaigns and it can be hard to see past the corporate glitz and take the time to shop coverage around.
Consumers need to take a look at other company's rates at least once a year due to the fact that insurance rates are usually higher with each renewal. Even if you think you had the lowest rate on Kia Soul EV insurance in Atlanta last year other companies may now be cheaper. You can find a lot of information about Soul EV insurance online but in just a couple of minutes you can learn some great ways to buy insurance cheaper in Atlanta.
If you are already insured or are just looking to switch companies, use these tips to lower your rates and possibly find even better coverage. Locating the best insurance company for you in Atlanta can really be easy if you know what you're doing. Drivers just have to use the proper way to compare rate quotes instantly.
Compare free Atlanta Kia Soul EV insurance quotes
Many insurance companies make it easy to get prices on the web. Getting online rates for Kia Soul EV insurance in Atlanta is very simple because you just enter the coverages you want into the form. Once entered, their quoting system gets your driving and credit reports and gives you a price quote based on many factors. Quoting online for Kia Soul EV insurance in Atlanta makes it a lot easier to compare rates and it is imperative to perform this step if you want to find a lower rate.
To compare rates using this form now, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you replicate the coverage information exactly as they are listed on your policy. This makes sure you're receiving rate comparison quotes based on similar coverages.
The companies in the list below offer comparison quotes in Georgia. If more than one company is shown, we suggest you visit two to three different companies in order to get a fair rate comparison.
Cheaper rates with these nine premium slashing discounts
Buying auto insurance is not cheap, but you can get discounts that you may not even be aware of. Certain discounts will be applied when you complete an application, but some discounts are required to be requested specifically before you will receive the discount.
- Good Student Discount - Maintaining excellent grades can earn a discount of 20% or more. Many companies even apply the discount to college students up until you turn 25.
- Anti-theft Discount - Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
- Seat Belt Usage - Requiring all passengers to fasten their seat belts could cut 10% or more off the medical payments premium.
- Low Mileage - Keeping the miles down on your Kia may enable drivers to earn lower rates due to less chance of an accident.
- Distant Student Discount - Children who are attending college and won't have access to an insured vehicle may qualify for this discount.
- Passive Restraint Discount - Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
- Discounts for Federal Employees - Simply working for the federal government can save as much as 8% depending on your auto insurance provider.
- Accident Forgiveness - Not a discount per se, but some insurance companies may permit one accident before raising your premiums if your claims history is clear for a specific time period.
- Responsible Drivers - Drivers who avoid accidents may receive a discount up to 45% than their less cautious counterparts.
As a disclaimer on discounts, most discount credits are not given to the entire policy premium. A few only apply to individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, you won't be that lucky.
Auto insurance companies that possibly offer these money-saving discounts include:
It's a good idea to ask each company or agent how many discounts you can get. All car insurance discounts may not apply to policyholders in Atlanta.
Compare rates but still have a local Atlanta insurance agency
Certain consumers prefer to go talk to an agent and that is a smart decision Insurance agents can answer important questions and help submit paperwork. An additional benefit of getting free rate quotes online is that you can find cheap auto insurance rates and still choose a local agent.
After filling out this simple form, your information is instantly submitted to local insurance agents in Atlanta who will give you quotes and help you find cheaper coverage. You won't even need to find an agent on your own since price quotes are sent immediately to your email address. In the event you want to get a comparison quote from a specific company, you just need to search and find their rate quote page to submit a rate quote request.
Finding a good provider shouldn't rely on just a cheap price quote. These are some questions your agent should answer.
- Are they properly licensed to sell insurance in Georgia?
- Will a damage claim use OEM or aftermarket replacement parts?
- Is the agent CPCU or CIC certified?
- Is working in the agency their full-time job?
- Do they offer rental car reimbursement?
- Who are their largest clients?
- Does the agent help file claims?
Shown below is a list of insurance companies in Atlanta that may be willing to give price quotes for Kia Soul EV insurance in Atlanta.
Gibb Insurance Agency
991 Cascade Rd SW - Atlanta, GA 30311 - (404) 758-3511 - View Map
The ad said I'd save $381 a year!
Georgia consumers get pounded daily by advertisements for the lowest price insurance from the likes of 21st Century, Allstate and State Farm. They all seem to tend to make the same promise about how much you will save if you just switch your coverage to them.
How does each company cost less than your current company? Here is the trick they use.
All companies have specific characteristics for the type of driver that earns them the highest profit. One example of this type of insured might be married and over the age of 30, has other policies, and has a short commute. Anybody that meets those criteria is entitled to the best price and most likely will save if they switch.
People who don't meet those standards will get higher premium rates and the prospect going elsewhere. The ads state "drivers that switch" but not "all drivers who get quotes" save the amount stated. That's the way companies can make those claims. Because of the profiling, it is so important to compare many company's premium rates. It's not possible to predict which company will have the lowest car insurance rates for your situation.
Insurance coverage breakdown
Having a good grasp of a insurance policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages found on the average insurance policy.
Medical payments coverage and PIP
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like hospital visits, nursing services, prosthetic devices, EMT expenses and ambulance fees. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Liability insurance protects you from damages or injuries you inflict on a person or their property in an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.
Liability insurance covers claims like loss of income, medical services, legal defense fees, repair costs for stationary objects and funeral expenses. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford. Georgia state minimum liability requirements are 25/50/25 but it's recommended drivers buy better liability coverage.
This covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as fire damage, damage from flooding, vandalism, a tree branch falling on your vehicle and hitting a bird. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.
Uninsured/Underinsured Motorist coverage
This coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Kia Soul EV.
Since many Georgia drivers only purchase the least amount of liability that is required (25/50/25 in Georgia), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.
Auto collision coverage
Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for claims such as sustaining damage from a pot hole, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible on your Soul EV to bring the cost down.
Persistence will pay off
We just covered many ways to save on Kia Soul EV insurance in Atlanta. The key concept to understand is the more you quote Atlanta car insurance, the better chance you'll have of finding cheaper Atlanta car insurance quotes. Consumers could even find that the best price on insurance is with some of the lesser-known companies. These smaller insurers can often provide lower rates in certain areas compared to the large companies like Progressive or GEICO.
Some insurance providers don't offer the ability to get a quote online and these small insurance companies provide coverage only through independent agencies. Lower-priced Kia Soul EV insurance in Atlanta can be purchased from both online companies and also from your neighborhood Atlanta agents, so you need to compare both in order to have the best price selection to choose from.
When shopping online for insurance, you should never buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced liability coverage limits to discover at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy a smart amount of coverage at the lowest possible cost, not the least amount of coverage.
More detailed insurance information is available at these sites:
- State Car Insurance Guides (GEICO)
- Who Has Affordable Auto Insurance Quotes for a Ford Fusion in Atlanta? (FAQ)
- Who Has Cheap Car Insurance for a 20 Year Old Male in Atlanta? (FAQ)
- How Much is Atlanta Auto Insurance for Teenage Males? (FAQ)
- How Much are Car Insurance Quotes for High Risk Drivers in Atlanta? (FAQ)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)