Wish you could get out of an expensive car insurance policy? It’s a common feeling and there are many Corpus Christi drivers thinking the same thing.
It’s easy to assume that car insurance companies don’t want you to look for a cheaper policy. Insureds who shop around for a cheaper policy are likely to switch to a new company because the odds are good of finding a lower rate. A study showed that drivers who faithfully checked for cheaper rates saved as much as $70 a month compared to drivers who didn’t regularly shop around.
If saving the most money on insurance in Corpus Christi is why you’re here, then having a good understanding how to get price quotes and compare coverage rates can save time and money.
Insurance companies such as Progressive, State Farm and GEICO all claim big savings with catchy ads and it can be hard to ignore the propaganda and find the best price available.
Consumers should take time to take a look at other company’s rates at least once a year 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 Corpus Christi a few years ago you can probably find a lower rate today. You can find a lot of information about Soul insurance on the web, but we’re going to give you the easiest ways to find affordable car insurance in Corpus Christi.
If you currently have car insurance, you should be able to reduce premiums using the concepts covered in this article. Locating the most cost-effective car insurance policy in Corpus Christi is not rocket science. But Texas consumers do need to know how insurance companies determine what you pay because it can help you find the best coverage.
Most major insurance companies make it easy to get pricing directly from their websites. Getting quotes for Kia Soul insurance in Corpus Christi can be done by anyone because it’s just a matter of typing in the amount of coverage you want into a form. After the form is submitted, the company’s rating system automatically retrieves reports for credit and driving violations and generates pricing information based on the data you entered. Being able to quote online for Kia Soul insurance in Corpus Christi simplifies rate comparisons, and it’s also necessary to do this if you want to find the most affordable auto insurance rates.
To compare rates now, compare rates now from the companies shown below. If you have your current policy handy, we recommend you type in the coverages as close as possible to your current policy. This helps ensure you will receive a fair comparison based on identical coverages.
The car insurance companies shown below are our best choices to provide comparison quotes in Corpus Christi, TX. If your goal is to find the cheapest auto insurance in Corpus Christi, TX, we recommend you click on several of them to get the most affordable price.
Rates and statistics
The data table displayed next showcases different coverage prices for Kia Soul models. Learning more about how insurance quotes are formulated is important for you to make smart choices when purchasing an insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Estimates do not factor in vehicle garaging location which can lower or raise prices considerably.
The chart below shows how choosing a deductible and can change Kia Soul insurance prices for different ages of insureds. The rates are based on a single male driver, full physical damage coverage, and no discounts are applied.
Accidents and violations increase rates
The diagram below demonstrates how citations and accidents can impact Kia Soul annual premium costs for each age group. The rate quotes are based on a married male driver, full coverage, $500 deductibles, and no discounts are factored in.
Difference between full coverage and liability only rates
The diagram below illustrates the comparison of Kia Soul premium costs with full coverage and liability only. The prices are based on no claims, a clean driving record, $100 deductibles, single marital status, and no discounts are applied to the premium.
When to drop comp and collision
There is no written rule to delete physical damage coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is about 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let’s say your Kia Soul book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $5,000 after paying your policy deductible. If premium cost is more than $500 a year to have full coverage, then it may be the right time to buy liability only.
There are some conditions where removing full coverage is not recommended. If you still owe money on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should maintain full coverage.
Three good reasons to insure your Soul
Despite the potentially high cost of Kia Soul insurance, insurance may be mandatory for several reasons.
- The majority of states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability if you drive a vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your Kia Soul, most banks will require you to have full coverage to guarantee their interest in the vehicle. If you let the policy lapse, the bank may buy a policy for your Kia at an extremely high rate and require you to pay much more than you were paying before.
- Insurance safeguards both your assets and your vehicle. It also can pay for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay to defend you if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of having car insurance definitely exceed the cost, especially for larger claims. Today the average American driver is overpaying over $700 annually so you should quote and compare rates at every renewal to make sure the price is not too high.
What insurance coverages do you need?
Having a good grasp of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.
Comprehensive or Other Than Collision
Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like a broken windshield, hitting a deer, hitting a bird, rock chips in glass and falling objects. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as funeral costs, doctor visits, hospital visits, pain medications and prosthetic devices. They can be utilized in addition to your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay
This coverage pays for damage to your Soul caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as hitting a mailbox, sideswiping another vehicle, sustaining damage from a pot hole, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible on your Soul in order to get cheaper collision rates.
Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Kia Soul.
Because many people only purchase the least amount of liability that is required (30/60/25 in Texas), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.
This coverage provides protection from damage or injury you incur to people or other property that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 30/60/25 which means a limit of $30,000 per injured person, a per accident bodily injury limit of $60,000, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.
Liability can pay for things like court costs, funeral expenses, repair costs for stationary objects, medical services and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible. Texas requires minimum liability limits of 30/60/25 but drivers should carry more coverage.
The next chart shows why buying low liability limits may not be enough.