Insurance for Kia SoulTrying to find the cheapest insurance for your Kia Soul in Colorado can normally be an all-consuming task, but you can use our insurance buying tips and make it easy. There is a better way to buy insurance and you need to know the quickest way to price shop coverage for your Kia and find the lowest possible price from Denver insurance agents and online providers.

It's important to shop coverage around yearly since prices are variable and change quite frequently. Even if you think you had the lowest quotes on Kia Soul insurance in Denver six months ago you may be paying too much now. Forget anything you know (or think you know) about insurance because it's time to teach you the quickest way to remove unneeded coverages and save money.

Best companies for low-cost Kia Soul insurance in Colorado

The companies shown below can provide quotes in Denver, CO. If the list has multiple companies, it's a good idea that you visit several of them to find the most affordable auto insurance rates.

Kia Soul Insurance Price Estimates in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $294 $536 $358 $22 $108 $1,318 $110
Soul Plus $290 $616 $456 $28 $136 $1,526 $127
Soul Exclaim $184 $282 $358 $22 $108 $954 $80
Soul Sport $350 $458 $460 $28 $138 $1,434 $120
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Table data does not factor in vehicle location which can affect premiums greatly.

Physical damage deductibles

One of the hardest decisions when shopping for auto insurance is which deductible level should you buy. The following tables determine the differences in price between low and high deductibles. The first price estimate table uses a $100 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.

Kia Soul insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $302 $546 $352 $20 $106 $1,351 $113
Soul Plus $302 $546 $352 $20 $106 $1,351 $113
Soul Exclaim $342 $546 $352 $20 $106 $1,391 $116
Soul Sport $342 $546 $352 $20 $106 $1,391 $116
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Kia Soul insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $220 $368 $352 $20 $106 $1,066 $89
Soul Plus $220 $368 $352 $20 $106 $1,066 $89
Soul Exclaim $250 $368 $352 $20 $106 $1,096 $91
Soul Sport $250 $368 $352 $20 $106 $1,096 $91
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Premium amounts do not factor in specific location information which can change prices noticeably.

Based on this data, using a $100 deductible will cost you approximately $25 more each month or $300 every year than buying the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to go more than 16 months between claim filings, you would probably save some money if you decide on a higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $100 deductibles: $115
Average monthly premium for $500 deductibles (subtract): - $90
Monthly savings from raising deductible: $25
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

One important caveat is that raising deductibles to save money means you will have to cover more of the damage yourself when you have to file a claim. You need to make sure you have some extra funds in order to pay more to get your vehicle repaired.

Affordable rates by taking advantage of discounts

Some providers don't list every discount they offer very clearly, so we took the time to find a few of the more common and also the lesser-known credits that may apply to you. If you don't get every credit you deserve, you could be getting lower rates.

You should keep in mind that most credits do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like you would end up receiving a 100% discount, it just doesn't work that way.

Larger auto insurance companies and some of the discounts are outlined below.

When getting free Denver auto insurance quotes, it's a good idea to every prospective company what discounts are available to you. Depending on the company, some discounts may not apply to policies in Denver. To locate providers who offer cheap Kia Soul insurance quotes in Colorado, click here to view.

Auto insurance is unique, just like you

When quoting and comparing your policy, there really is not a best way to insure your cars. Your needs are unique to you.

For instance, these questions could help you determine whether your personal situation could use an agent's help.

If you can't answer these questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form. It's fast, free and may give you better protection.

Compare prices but buy from a local Denver insurance agency

Some consumers prefer to have an agent's advice and that is a smart decision Professional insurance agents can help determine the best coverages and will help you if you have claims. One of the benefits of comparing rate quotes online is that you can find lower premium rates and still choose a local agent.

Denver insurance agentsTo find an agent, once you fill out this form (opens in new window), the quote information is immediately sent to insurance agents in Denver that can give you free Denver auto insurance quotes for your insurance coverage. It makes it easy because there is no need to leave your computer because quoted prices will be sent instantly to you. In the event you want to compare prices from a specific company, feel free to navigate to their website and fill out their quote form.

Choosing a insurer needs to be determined by more than just the price. Below are some questions you should ask.

Ads can be misleading

Consumers in Colorado can't escape the ads for the lowest price insurance by companies like 21st Century, Allstate and State Farm. All the ads make an identical promise that drivers will save a bundle if you move to them.

But how can every company offer you a better deal on Kia Soul insurance in Denver? It's all in the words they use.

Insurance providers are able to cherry pick for the type of customer that will add to their bottom line. For instance, this type of driver should be between 30 and 50, has other policies, and has a high credit rating. A customer getting a price quote who fits those characteristics will get the preferred premium rates in Denver and will also save quite a bit of money when switching.

People who don't qualify for the ideal profile will get a more expensive rate and ends up with business not being written. The trick companies use is to say "customers who switch" not "everyone who quotes" save the amount stated. That is how insurance companies can make claims like that. This really illustrates why it's extremely important to compare free Denver auto insurance quotes often. You cannot predict with any certainty which company will fit you best based on your risk profile.

Smart consumers save more

People switch companies for a number of reasons such as high prices, extreme rates for teen drivers, poor customer service or unfair underwriting practices. No matter why you want to switch, finding the right car insurance provider is actually quite simple.

When buying insurance coverage, it's not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where someone dropped collision coverage and discovered at claim time that they should have had better coverage. Your objective should be to purchase plenty of coverage at the best cost and still be able to protect your assets.

Affordable Kia Soul insurance in Denver can be bought from both online companies in addition to many Denver insurance agents, so you should compare both to have the best rate selection. Some companies don't offer online rate quotes and many times these smaller companies prefer to sell through independent agencies.

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