Austin consumers have a choice when looking for affordable Kia Soul insurance. You can either waste hours calling around to compare prices or use the internet to compare rates. There are more efficient ways to compare auto insurance rates so you’re going to learn the proper way to price shop coverage on a Kia and find the cheapest rates from both online companies and Austin agents.
Auto insurance quotes and discounts
Car insurance is not cheap, but you can get discounts that you may not know about. Some discounts will apply at the time of quoting, but some discounts are required to be asked for before you will receive the discount.
- Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life insurance policy as well.
- Clubs and Organizations – Belonging to certain professional organizations could earn you a nice discount on your next renewal.
- Pay Now and Pay Less – If you can afford to pay the entire bill rather than spreading payments over time you could save 5% or more.
- Driver Safety – Participating in a defensive driver course could earn you a small percentage discount if your company offers it.
- Accident Waiver – but companies like Liberty Mutual and GEICO will allow you to have one accident before hitting you with a surcharge with the catch being you have to be claim-free for a particular time prior to the accident.
- More Vehicles More Savings – Buying a policy with several vehicles with the same company can reduce rates for all insured vehicles.
One thing to note about discounts is that most discounts do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like comp or med pay. If you do the math and it seems like you could get a free auto insurance policy, companies wouldn’t make money that way. Any qualifying discounts should definitely cut your overall premium however.
The best auto insurance companies and some of the premium reductions they offer are:
- State Farm may have discounts that include passive restraint, Drive Safe & Save, accident-free, defensive driving training, good student, and anti-theft.
- GEICO policyholders can earn discounts including good student, daytime running lights, multi-policy, five-year accident-free, military active duty, and emergency military deployment.
- Liberty Mutual offers premium reductions for newly married, multi-policy, hybrid vehicle, newly retired, new graduate, and new vehicle discount.
- The Hartford discounts include bundle, vehicle fuel type, air bag, driver training, good student, and defensive driver.
- MetLife has savings for good student, good driver, multi-policy, claim-free, and accident-free.
- Progressive has discounts for online signing, multi-policy, good student, continuous coverage, multi-vehicle, homeowner, and online quote discount.
Check with all the companies to apply every possible discount. Some discounts may not apply in your state. To see auto insurance companies that offer some of these discounts in Austin, click here to view.
Can you really save that much by switching?
Respected companies like State Farm and Allstate consistently run ads on television and other media. All the companies make the same claim that drivers will save a bundle if you just switch your auto insurance coverage to their company. How is it possible that every company can make the same claim? It’s all in the numbers.
Many companies quote their cheapest rates for the right customer that will generate a profit. For example, this type of insured may be a mature driver, is a homeowner, and drives less than 5,000 miles a year. Any new insured who matches those parameters will get a cheap rate quote and have a good chance to save a lot if they switch.
People who may not quite match this stringent profile must pay higher rates which usually ends up with the customer buying from a different company. If you listen closely, the ads state “people that switch” not “everyone who quotes” save the amount stated. That’s the way insurance companies can lure you into getting a quote. Because of this risk profiling, drivers must get as many as possible. It is just not possible to predict with any certainty which company will have the best prices for your profile.
To learn more about auto insurance in Texas
Even more information is available at the Texas Department of Insurance website. Visitors are able to find disaster information, learn about insurance regulations, find out industry alerts, and find a variety of consumer forms.
More related Austin auto insurance information:
Final thoughts
When getting , don’t be tempted to sacrifice coverage to reduce premiums. In many cases, someone sacrificed physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your strategy should be to purchase plenty of coverage at the lowest possible cost, but do not sacrifice coverage to save money.
The cheapest Kia Soul insurance can be sourced both online and also from your neighborhood Austin agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies don’t offer the ability to get a quote online and many times these small insurance companies only sell coverage through independent insurance agencies.
We just showed you many ways to lower your Kia Soul insurance prices. The key thing to remember is the more providers you compare, the better your comparison will be. Consumers could even find that the most savings is with some of the lesser-known companies.