Find Cheaper Kia Soul Insurance in Durham

Consumers who are new to the process of comparing prices online will discover purchasing affordable Kia Soul insurance rates in Durham is very challenging.

Insurance quote for Kia Soul in DurhamIt’s a fact that insurance companies don’t want you quoting rates from other companies. People who compare rates at least once a year are highly likely to switch to a new company because there is a good chance of getting low-cost coverage. A recent survey discovered that people who compared price quotes annually saved on average $865 annually as compared to drivers who never shopped around for cheaper prices.

If finding budget-friendly Kia Soul insurance is your target objective, then having a good understanding how to shop for coverages can make it easier for you to save money.

You should make it a habit to get comparison quotes as often as possible since insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the best price on Kia Soul insurance in Durham a year ago there is a good chance you can find better rate quotes now. Block out anything you think you know about auto insurance because we’re going to show you one of the best ways to remove unneeded coverages and save money.

Our objective is to help educate you on the most effective way to quote insurance and some tips to save money. If you are paying for car insurance now, you will be able to find the best rates using the following tips. But North Carolina vehicle owners do need to understand the way insurance companies price insurance differently because it can help you find the best coverage.

All the larger auto insurance companies such as State Farm and Allstate allow you to get prices for coverage from their websites. Getting online quotes for Kia Soul insurance in Durham is pretty painless as all you need to do is type in your coverage information on the page. Once entered, the quote system obtains your driving record and credit report and returns a price.

Getting online price quotes for Kia Soul insurance in Durham makes comparing rates easy, and it’s very important to compare as many rates as possible if you want to get a lower rate.

To quickly get comparison pricing now, consider comparing rates from the companies shown below. To compare your current rates, we recommend you type in your coverages just like they are on your policy. This makes sure you will receive a price comparison for similar insurance coverage.

The companies in the list below are ready to provide price quotes in North Carolina. To find the best cheap auto insurance in Durham, NC, we suggest you get rates from several of them to get a more complete price comparison.

Auto insurance discounts are available to cut your rates

Buying auto insurance is not cheap, but there could be significant discounts that can drop the cost substantially. Some discounts apply automatically at the time of purchase, but occasionally some discounts must be inquired about in order for you to get them.Save money with discounts

A little disclaimer on discounts, most discounts do not apply to the whole policy. Most only reduce individual premiums such as liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, it’s just not the way it works.

The diagram below illustrates the comparison of Kia Soul yearly insurance costs with and without discounts applied to the premium. The premiums assume a female driver, a clean driving record, no claims, North Carolina state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, claim-free, multi-car, homeowner, and multi-policy discounts applied.

Auto insurance companies that may have these benefits possibly include:

If you need cheaper Durham auto insurance quotes, ask each company or agent which discounts they offer. Some discounts listed above might not be offered in Durham. To find companies who offer discounts in Durham, click here to view.

Kia Soul detailed coverage information

The rate table displayed next covers a range of rate quotes for Kia Soul models. Having insight into how insurance rates are established can be of help when making decisions when choosing a new policy provider.

Kia Soul Insurance Rates in Durham, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $188 $372 $302 $18 $90 $970 $81
Soul Plus $188 $372 $302 $18 $90 $970 $81
Soul Exclaim $212 $372 $302 $18 $90 $994 $83
Soul Sport $212 $372 $302 $18 $90 $994 $83
Get Your Own Custom Quote Go

Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Premium costs do not factor in zip code location which can alter premium rates substantially.

Cost of full coverage in Durham

The diagram below visualizes the comparison of Kia Soul insurance premiums when comparing full coverage to state minimum liability only. The information is based on no accidents or driving violations, $500 deductibles, drivers are not married, and no additional discounts are factored in.

When to drop comp and collision

There isn’t a steadfast formula to eliminate full coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Kia Soul replacement value is $7,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $6,000 after you pay the deductible. If you are paying in excess of $600 a year for your policy with full coverage, then you may want to consider only buying liability coverage.

There are some cases where eliminating full coverage is not a good plan. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Informed Drivers Can Reduce Their Insurance Prices

Lots of factors are used in the calculation when pricing auto insurance. Some of the criteria are obvious such as your driving history, but some are more obscure like your continuous coverage or how financially stable you are.

Compare prices but buy from a local neighborhood Durham car insurance agent

Certain consumers just want to talk to an insurance agent and doing that can be a smart decision The biggest benefit of getting online price quotes is that drivers can save money and get cheaper rates but still work with a licensed agent. Buying insurance from local insurance agencies is still important in Durham.

Find insurance agent in DurhamFor easy comparison, once you complete this form (opens in new window), your coverage information is emailed to local insurance agents that can provide free Durham auto insurance quotes for your insurance coverage. You won’t need to contact any agents since price quotes are sent directly to you. It’s the lowest rates and a licensed agent to talk to. If you need to compare rates from one company in particular, don’t hesitate to jump over to their website and fill out their quote form.

If you’re trying to find an insurance agent, it can be helpful to understand the different agency structures to choose from. Agents in Durham can either be exclusive or independent agents depending on their company appointments.

Independent Insurance Agents

Agents that elect to be independent are not limited to a single company and that allows them to write policies through many companies and find the cheapest insurance rates. If prices rise, they can switch companies in-house and you don’t have to switch agencies.

If you need cheaper insurance rates, you absolutely need to get rate quotes from several independent insurance agents to get the most accurate price comparison. Most also write with mutual insurance companies who may have lower rates.

Featured below are independent insurance agents in Durham who may provide cheap rate quotes.

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Exclusive Agents

These agents are contracted to one company like AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot compare rates from other companies so they have no alternatives for high prices. These agents are usually quite knowledgeable on their company’s products and that enables them to sell even at higher rates. Some consumers prefer to use the same exclusive agent partially due to the brand legacy rather than having low rates.

Listed below are exclusive agencies in Durham that can give you price quote information.

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Picking the best car insurance agent requires more thought than just the price. Any agent in Durham should be willing to answer these questions.

Durham auto insurance companies

Ending up with a high-quality car insurance company can be challenging considering how many choices you have in Durham. The company information in the next section may help you choose which auto insurance companies to look at purchasing from.

Top 10 Durham Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. AAA Insurance
  4. Nationwide
  5. Allstate
  6. State Farm
  7. The Hartford
  8. Safeco Insurance
  9. Progressive
  10. American Family

Quote more and you will save more

Insureds leave their current company for a variety of reasons including high prices, delays in responding to claim requests, being labeled a high risk driver or even lack of trust in their agent. Whatever your reason, choosing a new company is not as hard as you think.

Discount Kia Soul insurance in Durham is possible online in addition to local insurance agencies, so you need to quote Durham auto insurance with both to have the best chance of lowering rates. Some insurance companies do not provide the ability to get quotes online and usually these smaller companies work with independent agents.

When shopping online for insurance, don’t be tempted to buy less coverage just to save a little money. There have been many cases where someone sacrificed uninsured motorist or liability limits only to regret that it was a big mistake. Your goal is to buy a smart amount of coverage at the best possible price, not the least amount of coverage.

Steps to finding better rates for Kia Soul insurance in Durham

If you want to find the absolute lowest rates, then the best way to get discount Kia Soul insurance is to regularly compare quotes from companies in Durham.

First, try to learn a little about how auto insurance works and the factors you can control to lower rates. Many risk factors that result in higher prices like at-fault accidents and a bad credit score can be rectified by being financially responsible and driving safely.

Second, get rate quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive and State Farm, while independent agencies can quote prices for a wide range of companies.

Third, compare the new rate quotes to your current policy premium to see if switching to a new carrier will save money. If you find better rates and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.

Fourth, give proper notification to your current agent or company of your intent to cancel your existing policy. Submit the required down payment along with the signed application to your new company or agent. Don’t forget to keep the new proof of insurance certificate with your registration paperwork.

A tip to remember is that you’ll want to compare identical deductibles and limits on every quote request and and to get rates from as many carriers as you can. This guarantees a fair rate comparison and a good representation of prices.

More tips and info about insurance is located at these sites: