Best Insurance for a Kia Soul EV in Cleveland

Discount Kia Soul EV insuranceThe best way to get the cheapest Kia Soul EV insurance in Cleveland is to begin comparing prices regularly from insurance carriers in Ohio.

The most important part of shopping around is that you use the same level of coverage on every quote and and to compare as many car insurance companies as possible. This provides an accurate price comparison and a good representation of prices.

A recent study showed that the majority of drivers kept their policy with the same company for well over three years, and approximately 38% of consumers have never even compared quotes to find lower-cost rates. U.S. drivers could save almost $859 a year just by shopping around, but they just don’t understand how easy it is to shop around.

How to get affordable Kia Soul EV insurance in Cleveland, Ohio

Finding a better price on insurance is not a difficult process. Just spend a few minutes comparing rate quotes online with multiple companies.

Doing online quotes comparisons is so easy that it makes it a waste of time to waste gas driving to insurance agencies in your area. Quoting and buying Kia Soul EV insurance online makes this process obsolete unless your situation requires the professional advice of an agent trained in personal lines coverage. However, consumers can comparison shop online but purchase the actual policy in an agency.

The car insurance companies shown below are our best choices to provide free quotes in Cleveland, OH. If multiple companies are listed, we recommend you visit as many as you can to get the best price comparison.

Car insurance is not optional but you don’t have to overpay

Despite the high insurance cost for a Kia Soul EV in Cleveland, buying car insurance is mandatory in Ohio but it also protects more than you think.

The benefits of having car insurance greatly outweigh the cost, especially if you ever need it. But the average driver in Ohio is wasting up to $820 a year so you should quote your policy with other companies once a year at a minimum to ensure rates are inline.

How Insurers Determine Kia Soul EV Insurance Rates

Lots of things are taken into consideration when you quote your car insurance policy. Some factors are common sense such as your driving record, although others are not quite as obvious like where you live and annual miles driven.

Defend yourself with liability – A critical coverage on your policy, liability insurance is the coverage that protects you if ever you are responsible for personal injury or accident damage. It will provide legal defense coverage to defend your case. Liability is cheap when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.

Is your vehicle theft-ready? – Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Advanced theft deterrents like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft and help bring rates down.

Poor credit rating equals high costs – Having a bad credit score is likely to be a major factor in calculating your auto insurance rates. People with very high credit ratings tend to file fewer claims and have better driving records than drivers with poor credit. Therefore, if your credit leaves room for improvement, you could be paying less to insure your Kia Soul EV by improving your credit score.

Consolidate and save – Most larger insurance companies provide a discount to policyholders who carry more than one policy, otherwise known as a multi-policy discount. Even if you already get this discount, drivers will still want to compare other company rates to confirm you are receiving the best rates possible.

Frequent auto insurance claims will cost you – Companies in Ohio award better rates to drivers who are not frequent claim filers. If you’re an insured who likes to file claims you can expect either a policy non-renewal or much higher rates. Insurance coverage is intended for major claims that would cause financial hardship.

Pay more of a claim out-of-pocket – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, covers your vehicle from damage. Examples of some claims that would be covered could be a dented fender, vandalism, and damage from a fallen tree branch. Your deductibles tell how much you are required to spend before a claim is paid by your company. The more money you are required to pay out-of-pocket, the less your company will charge you for insurance.

Cheaper to insure women? – Over the last 50 years, statistics have shown females are less aggressive when driving. The data does not necessarily mean that women are better drivers. Women and men are in accidents in similar numbers, but the males cause more damage. Not only are claims higher, but men receive more costly citations like reckless driving and DUI.

Discounts for cheaper car insurance quotes

Not too many consumers would say car insurance is affordable, but there’s a good chance there are discounts that you may not even be aware of. Some trigger automatically when you quote, but some discounts are required to be specifically requested before being credited.Discount car insurance

Don’t be shocked that most credits do not apply to all coverage premiums. Most cut specific coverage prices like medical payments or collision. So even though it sounds like all those discounts means the company will pay you, it’s just not the way it works.

Some companies that may have some of the discounts shown above may include but are not limited to:

Double check with each insurance company which credits you are entitled to. Some discounts listed above might not be offered on policies in Cleveland.

Car insurance agents can help

Certain consumers still like to get professional advice from a licensed agent and that is not a bad decision Licensed agents can point out coverage gaps and will help you if you have claims. The best thing about comparing insurance prices online is you can get cheap auto insurance quotes and still have a local agent.

Insurance agents in ClevelandUpon completion of this form (opens in new window), your insurance coverage information is sent to insurance agents in Cleveland who will give competitive quotes and help you find cheaper coverage. It’s much easier because you don’t need to contact an agency because quoted prices will be sent to you instantly. If you have a need to get a rate quote from a specific insurance company, don’t hesitate to visit that company’s website and submit a quote form there.

Deciding on an insurance company requires more thought than just a cheap price quote. Ask your prospective agent these questions:

Ohio car insurance companies

Ending up with a good quality company is difficult considering how many different insurance companies sell coverage in Cleveland. The ranking data in the lists below can help you select which auto insurance companies to look at comparing rates from.

Best Car Insurance Companies in Ohio
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
Mercury Insurance 87 95 87 84% A+ 88.3
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
Compare Rates Now Go

Data Source: Best Car Insurance Companies

Be persistent to save money

We just showed you many tips how you can shop for Kia Soul EV insurance online. The key thing to remember is the more quotes you get, the higher the chance of saving money. Drivers may even discover the most savings is with a smaller regional carrier. They may often insure only within specific states and give better rates compared to the large companies like State Farm, GEICO and Nationwide.

When trying to cut insurance costs, it’s not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at the best cost, but don’t skip important coverages to save money.

Affordable Kia Soul EV insurance in Cleveland can be purchased on the web as well as from insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies don’t offer the ability to get a quote online and most of the time these smaller companies prefer to sell through local independent agents.

To learn more, feel free to visit the resources below: