Cheap Rates for Kia Soul Insurance in Atlanta

How long has it been since you compared the cheapest Kia Soul insurance in Atlanta? Are you sick and tired of paying out the nose to pay auto insurance each month? You are no different than most other drivers in Georgia.

Insurance for Kia SoulIt’s shocking but nearly 70% of customers have stayed with the same insurance company for a minimum of four years, and approximately 40% of consumers have never taken the time to shop around. Many drivers in the United States could cut their rates by roughly 46.5% a year, but most tend to underestimate the rate savings if they swap their current policy for a cheaper one.

Because you have many online and local companies to choose from, it is hard for the average consumer to locate the most affordable auto insurance provider.

It’s important to get comparison quotes once or twice a year because prices tend to go up over time. Even if you got the best rates on Kia Soul insurance in Atlanta a year ago you may be paying too much now. There is a lot of bad information regarding Soul insurance out there, but in just a couple of minutes you can learn some great ideas on how to lower your auto insurance bill.

Buying the cheapest auto insurance in Atlanta is really quite easy. If you have auto insurance now, you will definitely be able to get lower rates using this strategy. But Georgia vehicle owners do need to know the way insurance companies calculate their prices because rates fluctuate considerably.

When price shopping your coverage, quoting more increases your odds of finding the best price.

The providers in the list below can provide quotes in Atlanta, GA. If multiple providers are shown, we recommend you get rate quotes from several of them to get a more complete price comparison.

Kia Soul Insurance Estimates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $212 $404 $414 $24 $124 $1,178 $98
Soul Plus $188 $322 $394 $24 $118 $1,046 $87
Soul Exclaim $166 $274 $378 $22 $114 $954 $80
Soul Sport $312 $472 $406 $24 $122 $1,336 $111
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Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rate information does not factor in specific location information which can impact prices substantially.

Analysis of deductible levels

The chart below illustrates how your deductible choice and can influence Kia Soul insurance rates for different insured age categories. Data assumes a married female driver, comp and collision included, and no discounts are factored in.

Full coverage rates vs. liability-only in Atlanta

The example below shows the comparison of Kia Soul car insurance costs with full physical damage coverage compared to only buying liability only. The data is based on a clean driving record, no claims, $250 deductibles, married female driver, and no discounts are applied to the premium.

Are you wasting money on full coverage?

There is no set guideline for phasing out physical damage coverage, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your Kia Soul settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $4,000 after paying your policy deductible. If it’s costing in excess of $400 annually for full coverage, then you might want to consider buying only liability coverage.

There are a few cases where eliminating full coverage is not recommended. If you haven’t satisfied your loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Lower-cost Atlanta car insurance rates with discounts

Car insurance is not an enjoyable expense, but you might already qualify for some discounts that may help make it more affordable. Some of these discounts will be visible at the time you complete a quote, but less common discounts must be requested specifically prior to getting the savings. If you do not check that you are getting every discount you qualify for, you’re paying more than you need to.Car insurance discounts

Just know that some credits don’t apply to the whole policy. Most cut the cost of specific coverages such as comprehensive or collision. Despite the appearance that you can get free auto insurance, you’re out of luck.

To view providers who offer free Kia Soul insurance quotes in Atlanta, click here to view.

Comparing rates from local Atlanta insurance agencies

A small number of people prefer to get advice from a local agent and we recommend doing that One of the great benefits of comparing car insurance online is that drivers can save money and get cheap car insurance quotes and still buy from a local agent.

Insurance agency in AtlantaTo find an agent, once you fill out this quick form, your coverage information is sent to companies in Atlanta that can provide free Atlanta auto insurance quotes for your car insurance coverage. It simplifies rate comparisons since you won’t have to contact an agency because quoted prices will be sent directly to your email. It’s the lowest rates AND an agent nearby. If you have a need to get a price quote from a specific company, you would need to visit that company’s website and fill out their quote form.

Finding the right insurance company should include more criteria than just the premium amount. Below are some questions you should ask.

Learn How to Lower Your Insurance Premiums

Lots of factors are part of the equation when pricing auto insurance. A few of the factors are predictable like a motor vehicle report, although others are less obvious such as your credit history or your commute time. The best way to find cheaper car insurance is to take a look at some of the elements that help determine the price you pay for car insurance. When consumers understand what positively or negatively impacts your premiums, this enables you to make decisions that could help you find big savings.

The factors shown below are some of the most common factors car insurance companies consider when setting rates.

Car insurance is not optional

Despite the high cost of buying insurance for a Kia Soul in Atlanta, insuring your vehicle is required in Georgia but it also protects you in many ways.

The benefits of insuring your Soul outweigh the cost, especially with large liability claims. On average, a vehicle owner in Atlanta is overpaying more than $820 a year so compare rate quotes every year to ensure rates are inline.

Find cheaper rates by being thorough

When getting Atlanta auto insurance quotes online, you should never reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

The cheapest Kia Soul insurance in Atlanta is attainable on the web and from local insurance agents, so get free Atlanta auto insurance quotes from both of them to have the best selection. Some insurance companies may not offer the ability to get a quote online and these small, regional companies only sell through local independent agencies.

More detailed car insurance information is located at these sites: