Discount Kia Soul insuranceAre you irritated from not being able to scrape enough together to make your insurance payment? Your situation is no different than millions of other consumers.

Statistics show that over 70% of Colorado drivers kept their coverage with the same insurance company for at least four years, and almost half have never compared rate quotes at all. American consumers can cut their rates by nearly $850 a year by just comparing quotes, but most tend to underestimate the rate savings if they moved their coverage to a different company. Due to the fact that there are so many insurance companies to choose from, it can be hard to pick the lowest cost insurance company.

Consumers should take time to do rate comparisons on a regular basis due to the fact that insurance rates are rarely the same from one policy term to another. Even if you got the best deal on Kia Soul insurance in Fort Collins on your last policy the chances are good that you can find a lower price today. Forget anything you know (or think you know) about insurance because I'm going to let you in on the secrets to the easiest way to find great coverage at a great price.

Learn How to Lower Your Insurance Rates

Lots of things are used when you quote your car insurance policy. Most are fairly basic like your driving record, but other factors are less apparent like where you live or how financially stable you are.

The itemized list below are just a few of the factors utilized by car insurance companies to help set prices.

All the larger insurance companies allow consumers to get pricing direct online. This process is possible for anyone as you simply type in your personal and coverage information on the page. Once you submit the form, their quoting system will obtain reports for credit and driving violations and gives you a price quote based on the data you entered. Quoting online for Kia Soul insurance in Fort Collins simplifies rate comparisons, and it is important to do this if you want to get the lowest payment on insurance.

To quickly compare rates using this form now, check out the insurance providers below. If you currently have coverage, we recommend you type in deductibles and limits exactly as shown on your declarations page. Doing this assures you're receiving a rate comparison using the exact same coverages.

The companies shown below offer price quotes in Fort Collins, CO. If several companies are displayed, we recommend you get rate quotes from several of them in order to find the cheapest rates.

Kia Soul Insurance Costs in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $236 $464 $338 $20 $100 $1,158 $97
Soul Plus $170 $306 $330 $20 $98 $924 $77
Soul Exclaim $294 $516 $456 $28 $136 $1,430 $119
Soul Sport $350 $458 $460 $28 $138 $1,434 $120
Get Your Own Custom Quote Go

Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Rates do not factor in vehicle location which can lower or raise premium rates considerably.

Analysis of deductible levels

The information below illustrates how your deductible choice and can change Kia Soul insurance costs for different ages of insureds. The price estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Kia Soul annual premiums for males versus females

The example below compares Kia Soul insurance premiums for male and female drivers. The rates are based on a clean driving record, no claims, comprehensive and collision coverage, $250 deductibles, single marital status, and no discounts are applied.

Accidents and violations increase rates

The chart below demonstrates how citations and accident claims can drive up Kia Soul auto insurance costs for different categories of driver ages. The premium estimates are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

Well known brands might not be cheapest

Colorado consumers can't get away from ads for cheaper insurance by companies like GEICO, State Farm and Progressive. All the ads state the claim about saving some big amount after switching your policy.

But how can every company claim to save you money? Here is the trick they use.

Different companies give the best rates for the type of driver that earns them the most money. For example, this type of insured could be over the age of 40, has never had a claim, and does not commute to work. Someone that matches those criteria will most likely get cheap premium rates and is almost guaranteed to pay quite a bit less when switching companies.

Drivers who fall outside these criteria will have to pay a higher premium and ends up with the driver buying from a lower-cost company. The ad wording is "drivers who switch" not "everyone that quotes" can save as much as they claim. That is how insurance companies can confidently advertise the way they do.

Because each company has a different risk profile, you absolutely need to compare free Fort Collins car insurance quotes often. It's not possible to predict with any certainty which company will be your best fit.

Why car insurance is not optional

Despite the high cost, car insurance is a good idea for several reasons.

The benefits of having insurance are definitely more than the cost, especially when you need to use it. Unknowingly, the average driver is overpaying over $850 per year so you should quote rates every year to ensure rates are inline.

These discounts can cut Kia Soul insurance rates

Insurance can be pricey, but companies offer discounts that can help lower your rates. Many of these discounts will be applied automatically when you quote, but some discounts are required to be manually applied prior to receiving the credit.Save money with discounts

We need to note that some credits don't apply to the overall cost of the policy. Some only apply to specific coverage prices like liability, collision or medical payments. If you do the math and it seems like you can get free auto insurance, insurance companies wouldn't stay in business.

A few companies who may offer these discounts possibly include:

When getting free Fort Collins car insurance quotes, it's a good idea to every prospective company which discounts you qualify for. A few discounts may not be available in Fort Collins. If you would like to see a list of providers that offer some of these discounts in Colorado, follow this link.

When should I have guidance from an insurance agency?

Many drivers would prefer to sit down and talk to an agent and that is OK! Insurance agents can help you choose the best coverages and help in the event of a claim. One of the great benefits of getting free rate quotes online is the fact that you can find cheap insurance quotes and still choose a local agent. Supporting local insurance agents is definitely important in Fort Collins.

Fort Collins insurance agentsBy using this short form, your insurance coverage information is immediately sent to participating agents in Fort Collins who want to provide quotes to get your business. You won't even need to do any legwork because prices are sent to you directly. If you need to get a rate quote from a specific insurance company, feel free to go to their quote page and submit a quote form there.

Listed below are agents in Fort Collins that can give you comparison quotes for Kia Soul insurance in Fort Collins.

220 Smith St - Fort Collins, CO 80524 - (970) 484-2805 - View Map

Dave Lawser - State Farm Insurance Agent
4605 Ziegler Rd #1 - Fort Collins, CO 80528 - (970) 226-1306 - View Map

2024 E Harmony Rd #120 - Fort Collins, CO 80528 - (970) 221-5230 - View Map

1015 W Horsetooth Rd - Fort Collins, CO 80526 - (970) 221-1141 - View Map

More insurance agents

Choosing the best insurer should include more criteria than just the premium amount. The following questions are important to ask.

If you get good answers to any questions you have and locked in a price quote, you've probably found an insurance company that is a good match to properly service your insurance policy.

Frequent quotes can save

There are still a few companies who do not provide online price quotes and most of the time these small insurance companies sell through local independent agencies. Lower-priced Kia Soul insurance in Fort Collins can be found from both online companies as well as from independent agents in Fort Collins, and you need to comparison shop both to have the best chance of lowering rates.

When trying to cut insurance costs, you should never reduce coverage to reduce premium. There are too many instances where an insured cut physical damage coverage only to find out that they should have had better coverage. The aim is to buy a smart amount of coverage at the best price while still protecting your assets.

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