If saving money is your primary concern, then the best way to get discount car insurance rates in Fresno is to compare prices at least once a year from insurance carriers in California. You can compare rates by completing these steps.
Step 1: Get a basic knowledge of coverages and the things you can change to prevent expensive coverage. Many factors that cause high rates such as speeding tickets, careless driving and bad credit can be eliminated by improving your driving habits or financial responsibility. This article gives additional tips to prevent high prices and get bigger discounts.
Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like GEICO and Allstate, while agents who are independent can quote rates for a wide range of insurance providers.
Step 3: Compare the new quotes to your existing rates to see if a cheaper rate is available. If you find a lower rate quote and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Provide notification to your current agent or company to cancel your current car insurance policy and submit the completed application along with a down payment for the new coverage. As soon as you can, keep your new certificate verifying coverage with your vehicle’s registration.
An important note is to try to compare the same deductibles and limits on each quote and and to compare as many car insurance companies as possible. Doing this enables an apples-to-apples comparison and the best price selection.
It’s shocking but over 70% of drivers kept buying from the same company for a minimum of four years, and nearly the majority have never compared quotes from other companies. The average driver in Fresno can save $469 each year by just comparing rate quotes, but they think it’s difficult to save money by comparing rate quotes.
The quickest method we recommend to compare car insurance rates for Kia Soul insurance in Fresno is to take advantage of the fact most insurance companies actually pay money for the chance to give you rate quotes. The only thing you need to do is provide a little information including your general credit rating, whether the vehicles are used for commuting, how old drivers are, and types of safety features. Your details is instantly provided to all major companies and you will get price comparisons almost instantly.
To compare cheaper Kia Soul insurance rates now, click here and complete the form.
The providers in the list below have been selected to offer free rate quotes in California. If you want cheap auto insurance in Fresno, we recommend you visit several of them to get the lowest price.
Kia Soul insurance statistics and information
The coverage information shown next showcases estimates of rate quotes for Kia Soul models. Having knowledge of how car insurance premiums are established can be of help when making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Soul | $326 | $672 | $500 | $30 | $150 | $1,678 | $140 |
| Soul Plus | $326 | $672 | $500 | $30 | $150 | $1,678 | $140 |
| Soul Exclaim | $370 | $672 | $500 | $30 | $150 | $1,722 | $144 |
| Soul Sport | $370 | $672 | $500 | $30 | $150 | $1,722 | $144 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Rate information does not factor in Fresno location which can impact price quotes noticeably.
Annual premiums for males versus females in Fresno
The illustration below illustrates the difference between Kia Soul insurance costs for male and female drivers. The information is based on a clean driving record, no at-fault accidents, full physical damage coverage, $1,000 deductibles, drivers are not married, and no discounts are applied.
Full coverage versus liability only rates
The diagram below illustrates the difference between Kia Soul insurance premiums with liability coverage only compared to full coverage. The price estimates are based on no tickets, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are applied to the premium.
Guidelines for dropping full coverage
There isn’t a steadfast formula for eliminating full coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.
For example, let’s assume your Kia Soul replacement cost is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $7,000 after paying your policy deductible. If you are paying in excess of $700 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are some scenarios where dropping physical damage coverage is not a good idea. If you still owe a portion of the original loan, you have to carry full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should maintain full coverage.
Why you need to buy insurance
Despite the high cost of buying insurance for a Kia Soul in Fresno, maintaining insurance is required in California but it also protects you in many ways.
First, the majority of states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific minimum amount of liability in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a lien on your vehicle, almost every bank will stipulate that you have full coverage to guarantee payment of the loan. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Kia for a much higher rate and force you to pay for the expensive policy.
Third, insurance protects both your assets and your vehicle. It also can pay for medical bills for yourself as well as anyone injured by you. Liability insurance will also pay for a defense attorney if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of having insurance are definitely more than the cost, especially for larger claims. But the average American driver overpays more than $700 annually so you should quote and compare rates each time the policy renews to save money.
Smart Consumers Can Lower Their Insurance Costs
One of the most helpful ways to save on insurance is to to have a grasp of some of the elements that help calculate your premiums. When you understand what impacts premium levels, this enables informed choices that can help you get better insurance rates.
Car plus home equals more savings – Lots of insurance companies allow lower prices to buyers who have multiple policies with them. It’s known as a multi-policy discount. Even with this discount, drivers will still want to compare other company rates to make sure you are getting the best deal.
Your liability coverage limits – The liability section of your policy kicks in if ever you are ruled to be at fault for damages caused by your negligence. It provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
Save money by eliminating incidental coverages – There are a lot of extra coverages that sound like a good idea at the time on your Soul policy. Coverage for things like rental car reimbursement, accidental death, and motor club memberships could be just wasting money. You may think they are a good idea initially, but if you have no use for them consider taking them off your policy.
Prevent insurance lapses – Having an insurance coverage lapse is a guaranteed way to bump up your insurance costs. In addition to paying higher rates, failure to provide proof of insurance may earn you fines and jail time. You may then have to file a SR-22 with the California department of motor vehicles.
Alarm systems save money – Driving a car that has an advanced theft prevention system can save you a little every year. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
Accidents drive up costs – Having just one ticket may cause rates to rise by as much as thirty percent. Careful drivers receive lower rates than bad drivers. Drivers unfortunate enough to have license-revoking violations such as DWI, reckless driving or hit and run convictions may find that they have to to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to legally drive.
The illustration below highlights how traffic violations and at-fault fender-benders can drive up Kia Soul yearly insurance costs for each age group. The data is based on a married female driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.
Insurance loss probability for a Kia Soul – Insurance companies take into consideration insurance loss statistics for every vehicle to help determine prices. Models that the data determines to have increased claim numbers or amounts will cost more to insure.
The table below demonstrates the insurance loss data for Kia Soul vehicles. For each insurance policy coverage type, the claim amount for all vehicles, regardless of make or model, is a value of 100. Numbers that are below 100 suggest a positive loss record, while numbers shown that are more than 100 indicate more frequent losses or statistically larger claims.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Kia Soul | 89 | 98 | 84 | 138 | 138 | 118 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
What is the best insurance coverage?
When it comes to choosing proper insurance coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s and your insurance should unique, too.
Here are some questions about coverages that might point out whether you may require specific advice.
- What can I do if my company won’t pay a claim?
- Is my trailer covered?
- Am I better off with higher deductibles on my Kia Soul?
- What is glass protection for?
- Is my Kia Soul covered if I use it for business?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Is my camper covered for physical damage?
- Can my teen driver be rated on a liability-only vehicle?
- Can I use my car for my catering business?
If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.
Fresno auto insurance companies
Choosing the top insurance company can be difficult considering how many choices drivers have in Fresno. The ranking information below may help you select which coverage providers you want to consider to insure your vehicles.
Top 10 Fresno Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Top 10 Fresno Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Be persistent to save money
Budget-conscious Kia Soul insurance is available online as well as from insurance agents, so you should compare both to have the best rate selection. Some companies do not provide price quotes online and these small, regional companies only sell through independent agents.
We covered a lot of information how to get a better price on Kia Soul insurance in Fresno. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the lowest car insurance rates come from some of the lesser-known companies. Some small companies often have lower premium rates on specific markets as compared to the big name companies such as State Farm, GEICO and Nationwide.
To learn more, feel free to visit the resources below:
- Teen Driving Statistics (iihs.org)
- How Much is Fresno Auto Insurance for First-time Drivers? (FAQ)
- Who Has Affordable Auto Insurance for State Employees in Fresno? (FAQ)
- Who Has Cheap Auto Insurance Rates for a Toyota Tacoma in Fresno? (FAQ)
- Who Has Cheap Car Insurance for Unemployed Drivers in Fresno? (FAQ)
- How Much is Auto Insurance for Government Employees in Fresno? (FAQ)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Event Data Recorders FAQ (iihs.org)