If you are new to online auto insurance, you can be bewildered by the sheer number of auto insurance companies that all promise the best rates for Kia Soul insurance in Chandler.
Unbelievably, a large majority of auto insurance policyholders kept buying from the same company for at least four years, and nearly the majority have never even compared quotes to find cheaper rates. Arizona drivers could save up to 50% every year just by comparing rates, but they don’t believe the amount of savings they would get if they switched to a more affordable policy.
Choosing the most cost-effective auto insurance policy in Chandler is actually not that difficult if you follow our advice. Practically each driver who compares rates for auto insurance will most likely be able to cut their insurance bill. But Arizona vehicle owners can benefit by having an understanding of the way insurance companies calculate your policy premium and use it to your advantage.
Components of Your Kia Soul Insurance Costs
A large part of saving on insurance is knowing the different types of things that are used to determine the price you pay for insurance. When consumers understand what determines base rates, this allows you to make educated decisions that could help you find cheaper rates. Many things are part of the equation when you quote your car insurance policy. Some are obvious like a motor vehicle report, although others are less apparent like where you live or your vehicle rating.
The following are a partial list of the pieces used by companies to determine prices.
Married people drive safer – Having a wife or husband can get you a discount compared to being single. Having a spouse usually means you are less irresponsible and statistics show married drivers get in fewer accidents.
High comp and collision deductibles cost less – The deductibles you choose are the amount of money you are required to spend before a claim is paid by your company. Protection for physical damage, aka comp and collision, insures against damage to your car. Some instances where coverage would apply are colliding with a stationary object, damage caused by hail, or theft of your vehicle. The more damage repair cost you have to pay, the less money you will pay for insurance.
Performance affects prices – The make and model of the vehicle you are buying insurance for makes a substantial difference in determining your rates. Low performance passenger models generally receive the lowest base rates, but that’s not the only thing that factors into the final price.
The following data uses these assumptions: single female driver age 30, full coverage with $100 deductibles, and no discounts or violations. The chart compares Kia Soul policy rates compared to other makes and models that have a range of performances.
Gender and insurance premiums – Statistics have proven that females take fewer risks when driving. However, don’t assume that men are WORSE drivers than women. Both genders cause accidents in similar percentages, but males have costlier accidents. They also get ticketed for serious violations like driving under the influence (DUI).
The chart below shows the comparison of Kia Soul car insurance costs for male and female drivers. The data assumes no claims or driving citations, comp and collision included, $1,000 deductibles, single status, and no discounts are applied to the premium.
High credit history translates to low premiums – Having a bad credit history is a large factor in calculating your insurance rates. So if your credit rating could use some work, you could pay less to insure your Kia Soul by taking the time to improve your credit score. Insureds with excellent credit tend to file fewer claims as compared to drivers with poor credit scores.
Don’t get traffic citations – A bad driving record impacts premiums far more than you think. Having a single speeding ticket or other violation can increase rates by as much as twenty percent. Drivers with clean records have lower premiums than their less careful counterparts. Drivers who have flagrant violations like DUI or reckless driving might be required by their state to maintain a SR-22 with their state’s department of motor vehicles in order to prevent a license revocation.
The chart below highlights how speeding tickets and fender-benders raise Kia Soul insurance prices for each different age group. The premium estimates are based on a single female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.
Your vocation may affect prices – Occupations like military generals, business owners, and stock brokers tend to pay higher average rates in part from stressful work requirements and long work hours. Conversely, jobs like scientists, athletes and retirees get better rates.
Kia Soul insurance claim data – Auto insurance companies analyze historical claim data to determine a rate that will be profitable for them. Vehicles that have a trend towards higher claims will have higher premium rates. The table shown below demonstrates the actual insurance loss data for Kia Soul vehicles.
For each type of coverage, the statistical loss for all vehicles, regardless of manufacturer or model, is a value of 100. Values below 100 indicate better than average losses, while values that are above 100 indicate more frequent losses or larger claims.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Kia Soul | 89 | 98 | 84 | 138 | 138 | 118 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Buy Chandler Kia Soul insurance online
When shopping for Kia Soul insurance in Chandler there are multiple ways of comparing price quotes from car insurance companies in your area. The simplest method to find competitive Kia Soul insurance rates is to use the internet to compare rates.
Keep in mind that making a lot of price comparisons will increase your chances of finding the best offered rates. Not every company does rate quotes online, so it’s important to compare quotes from those companies as well.
The companies shown below are ready to provide free rate quotes in Arizona. If you want to find cheaper car insurance in Chandler, we suggest you click on several of them to get a more complete price comparison.
Auto insurance data for a Kia Soul
The coverage table below showcases different insurance costs for Kia Soul models. Learning more about how insurance prices are calculated is important for you to make informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Soul | $178 | $324 | $282 | $16 | $84 | $884 | $74 |
| Soul Plus | $178 | $324 | $282 | $16 | $84 | $884 | $74 |
| Soul Exclaim | $202 | $324 | $282 | $16 | $84 | $908 | $76 |
| Soul Sport | $202 | $324 | $282 | $16 | $84 | $908 | $76 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Table data does not factor in vehicle location which can revise auto insurance rates considerably.
Where to set your deductibles
One of the hardest decisions when shopping for auto insurance is at what level do you set your deductibles. The premium rates below summarize the cost difference between high and low deductibles. The first table uses a $100 deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Soul | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Soul Plus | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Soul Exclaim | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Soul Sport | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Soul | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Soul Plus | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Soul Exclaim | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Soul Sport | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate information does not factor in specific garaging location which can impact premium rates significantly.
Using the premium rates above, we can conclude that using a $100 deductible costs an average of $30 more each month or $360 every year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 30 months between claim filings, you would probably come out ahead going with the higher deductible.
The information below illustrates how choosing a deductible and can influence Kia Soul insurance costs for each different age category. The data is based on a single female driver, full coverage, and no other discounts are factored in.
Here’s why insurance is not optional
Despite the high cost of buying insurance for a Kia Soul in Chandler, insuring your vehicle serves a purpose in several ways.
- Most states have minimum mandated liability insurance limits which means state laws require a minimum amount of liability insurance in order to get the vehicle licensed. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your vehicle, more than likely the lender will make it a condition of the loan that you buy insurance to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the lender may insure your Kia at a much higher premium rate and make you pay the higher price.
- Insurance safeguards both your assets and your Kia Soul. Insurance will pay for medical bills for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, your policy will cover the repair costs.
The benefits of insuring your car definitely exceed the price paid, especially if you ever need it. The average driver in America is currently overpaying as much as $865 each year so you should quote rates at every renewal to be sure current rates are still competitive.
Don’t neglect these discounts on Kia Soul insurance in Chandler
Car insurance companies don’t necessarily list all discounts very clearly, so the list below details both the well known as well as some of the hidden credits that you can use to lower your rates.
- Driver Education Discount – Have your child successfully take a driver’s education course in high school.
- Theft Deterrent System – Vehicles that have factory alarm systems and tracking devices can help prevent theft so companies will give you a small discount.
- Senior Citizen Rates – Drivers over the age of 55 can possibly qualify for a slight reduction on a Chandler auto insurance quote.
- Home Ownership Discount – Owning your own home or condo can get you a discount because owning a home is proof that your finances are in order.
- Onboard Data Collection – Insureds that choose to allow data collection to spy on vehicle usage by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they exhibit good driving behavior.
- Good Students Pay Less – Being a good student can get you a discount of up to 25%. Many companies even apply the discount to college students up until you turn 25.
Discounts save money, but please remember that many deductions do not apply to your bottom line cost. Some only reduce individual premiums such as liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, companies don’t profit that way.
The information below visualizes the comparison of Kia Soul insurance costs with and without discounts applied. The rate quotes are based on a male driver, no claims or driving citations, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, marriage, safe-driver, and claim-free discounts applied.
A few of the larger companies and some of the premium reductions they offer are shown below.
- Travelers offers premium reductions for multi-car, IntelliDrive, driver training, early quote, multi-policy, student away at school, and continuous insurance.
- 21st Century may have discounts that include air bags, teen driver, automatic seat belts, theft prevention, defensive driver, and good student.
- State Farm offers discounts for Steer Clear safe driver discount, Drive Safe & Save, good student, passive restraint, student away at school, anti-theft, and safe vehicle.
- GEICO policyholders can earn discounts including air bags, daytime running lights, defensive driver, military active duty, and anti-lock brakes.
- SAFECO has savings for bundle discounts, teen safety rewards, teen safe driver, accident prevention training, multi-car, anti-theft, and homeowner.
- AAA may include discounts for anti-theft, pay-in-full, multi-car, good student, good driver, and AAA membership discount.
Before buying, ask each insurance company to apply every possible discount. All car insurance discounts may not apply to policies in Chandler. If you would like to choose from a list of providers that have a full spectrum of discounts in Chandler, click here.
Buying car insurance from Chandler insurance agencies
Certain consumers just prefer to get advice from a local agent. A good thing about price shopping on the web is the fact that you can find cheap car insurance rates but still work with a licensed agent.
For easy comparison, once you complete this short form, your insurance coverage information is transmitted to participating agents in Chandler that can give you free Chandler auto insurance quotes for your car insurance coverage. You never need to do any legwork since price quotes are sent instantly to you. You can find the lowest rates and work with a local agent. If for some reason you want to get a comparison quote from a specific insurance company, you just need to find their quoting web page and complete a quote there.
Picking the best insurance company should depend on more than just the price. These questions are important to ask:
- If you raise deductibles, how much can you save?
- Do they have cheaper tiers of coverage?
- Will the agent or a CSR service your policy?
- How are they compensated?
- Do the companies they represent have a solid financial rating?
- What company do they have the most business with?
If you are searching for an insurance agent, you need to know there are two types of agencies and how they are distinctly different. Car insurance agents in Chandler are considered either exclusive or independent.
Exclusive Insurance Agencies
Agents in the exclusive channel work for only one company like AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to place coverage with different providers so they are skilled at selling on more than just price. Exclusive agencies are highly trained in insurance sales and that allows them to sell at a higher price point. Consumers often buy from the same agent for years primarily because of the prominence of the brand rather than having the cheapest rates.
Shown below is a short list of exclusive insurance agencies in Chandler willing to provide price quotes.
- State Farm: Debbie Wiltse
4980 S Alma School Rd #A6 – Chandler, AZ 85248 – (480) 792-9468 – View Map - Stacy Beatty – State Farm Insurance Agent
3165 S Alma School Rd Ste 27 – Chandler, AZ 85248 – (480) 855-0665 – View Map - Farmers Insurance – Rick Downing
930 East Riggs Road Ste B7 – Chandler, AZ 85249 – (480) 961-3951 – View Map
Independent Agents (or Brokers)
Agents in the independent channel often have affiliation with several companies so they have the ability to put coverage with lots of companies and get the cheapest rates. If they quote lower rates, the agent simply finds a different carrier and you can keep the same agent.
When comparing car insurance rates, we recommend you compare prices from independent agents to have the most options to choose from. Most can insure with smaller mutual companies which may have better rates.
Shown below are independent insurance agents in Chandler who can help you get price quote information.
- Allied Insurance Group
2231 E Pecos Rd #2 – Chandler, AZ 85225 – (480) 634-5222 – View Map - 1st Choice Insurance
2500 N Alma School Rd – Chandler, AZ 85224 – (480) 855-7000 – View Map - San Marcos Insurance Group
584 W Chandler Blvd – Chandler, AZ 85225 – (480) 899-6633 – View Map
Car insurance can get complicated
When quoting and choosing adequate coverage for your personal vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.
For instance, these questions might point out whether or not you may require specific advice.
- Should I rate my Kia Soul as pleasure use or commute?
- Do I have any recourse if my insurance company denies a claim?
- Am I covered when driving in Canada or Mexico?
- What is PIP insurance?
- Why am I be forced to buy a membership to get insurance from some companies?
- What is covered by UM/UIM coverage?
- Is water damage covered by my policy?
- What if I total my Kia Soul and owe more than it’s worth?
- How can I get high-risk coverage after a DUI?
- How much liability do I need to cover my assets?
If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form.
Quote. Compare. Save.
In this article, we covered many ideas to get a better price on Kia Soul insurance in Chandler. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding inexpensive Chandler auto insurance quotes. You may even find the biggest savings come from a smaller regional carrier.
Insureds leave their current company for a variety of reasons including high rates after DUI convictions, unfair underwriting practices, high prices and even delays in responding to claim requests. Whatever your reason, switching companies is not as difficult as it may seem.
As you prepare to switch companies, don’t be tempted to buy poor coverage just to save money. In many cases, an insured cut physical damage coverage only to regret they didn’t purchase enough coverage. Your focus should be to buy enough coverage at the best price, but do not sacrifice coverage to save money.
Steps to finding the cheapest rates for Kia Soul insurance in Chandler
To save the most money, the best way to find affordable Kia Soul insurance in Chandler is to compare prices regularly from providers that sell auto insurance in Arizona.
- Step 1: Spend some time learning about policy coverages and the changes you can make to prevent rate increases. Many risk factors that drive up the price like traffic citations, accidents, and a less-than-favorable credit rating can be remedied by paying attention to minor details.
- Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from a single company like GEICO or Allstate, while independent agents can quote prices from multiple insurance companies.
- Step 3: Compare the new quotes to your current policy and determine if cheaper Soul coverage is available. If you find better rates and buy the policy, verify that coverage does not lapse between policies.
One bit of advice is that you’ll want to compare identical limits and deductibles on each quote and and to compare as many car insurance companies as possible. This ensures an accurate price comparison and plenty of rates choose from.
More tips and info about insurance can be read at these sites:
- Frontal Crash Tests (iihs.org)
- Who Has Cheap Car Insurance After a Speeding Ticket in Chandler? (FAQ)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Event Data Recorders FAQ (iihs.org)
- Avoiding Deer Collisions (Insurance Information Institute)
- A Tree Fell on Your Car: Now What? (Allstate)