8 Discounts Las Vegas Drivers Miss when Insurance Shopping Online for a Kia Soul

Are you sick and tired of not being able to afford to insure your Kia every month? Your situation is no different than the majority of other car owners in Nevada. Because there are so many options, it can be hard to pick the best car insurance company.

The purpose of this post is to tell you how car insurance quotes work and some money-saving tips. If you have car insurance now, you will most likely be able to reduce your rates substantially using these techniques. Nevada vehicle owners just need to know the proper methods to compare rates online.

Cut your premium with these eight discounts

Car insurance can cost a lot, but companies offer discounts that you may not know about. A few discounts will automatically apply when you complete an application, but lesser-known reductions have to be asked for in order for you to get them. If they aren’t giving you every credit possible, you are throwing money away.

Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
Accident Free – Drivers who don’t have accidents pay less when compared to accident-prone drivers.
Discount for Good Grades – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
Defensive Driver – Taking a course in driver safety could possibly earn you a 5% discount if you qualify.
Use Seat Belts – Requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
Drivers Education – Require your teen driver to successfully complete driver’s ed class in school.
Early Signing – Some insurance companies reward drivers for buying a policy before your current expiration date. This can save 10% or more.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Most only apply to individual premiums such as liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, car insurance companies aren’t that generous. But any discount will cut the cost of coverage.

For a list of companies with discount car insurance rates in Las Vegas, click here to view.

Free Las Vegas Car Insurance Quotes

There are a lot of ways to compare car insurance prices but one way is more efficient than others. You could spend your day talking about coverages with agents in Las Vegas, or you can utilize online quoting to get pricing more quickly.

The majority of car insurance companies participate in a marketplace that enables customers to submit their information once, and every company then gives them pricing for coverage. This eliminates the need for quote forms for each company you want a rate for.

To compare rates using this form now click here to open in new window.

The one downside to doing it this way is you can’t choose which providers you want to price. So if you prefer to choose specific insurance companies to request quotes from, we have a listing of the cheapest car insurance companies in Nevada. Click here for list of insurance companies in Nevada.

It doesn’t matter which method you choose, just ensure you are comparing identical coverage information for every quote you compare. If each company quotes different limits and deductibles on each one it’s impossible to decipher which rate is best in Las Vegas.

Different people need different coverages

When buying adequate coverage, there isn’t really a “perfect” insurance plan. Every situation is different so this has to be addressed. Here are some questions about coverages that could help you determine whether your personal situation will benefit from professional help.

Does my liability insurance cover pulling a trailer or camper?
When do I need to add a new car to my policy?
Are split liability limits better than a combined single limit?
Am I covered when pulling a rental trailer?
When should I not file a claim?
Does my medical payments coverage pay my health insurance deductible?
Is borrowed equipment or tools covered if stolen or damaged?
Is my vehicle covered by my employer’s policy when using it for work?
Can I afford low physical damage deductibles?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Quote online but work with a neighborhood agent

Some consumers prefer to visit with an insurance agent. Licensed agents can point out coverage gaps and give you peace of mind. The best thing about comparing insurance prices online is you may find the lowest rates but still work with a licensed agent. And providing support for local insurance agencies is especially important in Las Vegas.

Once you complete this quick form, the quote information is sent to local insurance agents in Las Vegas who will compete for your insurance coverage. There is no reason to drive around as quotes are delivered immediately to your email address. It doesn’t get any easier!

If you wish to view a list of agents in Las Vegas to contact, visit this site. Las Vegas car insurance

Selecting a company requires more thought than just the bottom line cost. Ask your prospective agent these questions:

If your car is totalled, how to they determine the replacement cost?
Do they carry Errors and Omissions coverage?
How much can you save by raising your physical damage deductibles?
Does the agency support the community they serve?
Does the agency have a good rating with the Better Business Bureau?
Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
How long has their agency been in business in Las Vegas?

Upon receiving reasonable responses to these questions in addition to an acceptable price estimate, you may have just found an insurance company that can adequately provide car insurance.

Car insurance myths debunked

Consumers in Nevada get pounded daily by advertisements for the lowest price auto insurance by GEICO, State Farm and Progressive. They all seem to have a common claim that you’ll save big if you move to their company.

How can each company claim to save you money? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of driver they prefer to insure. A good example of a driver they prefer might be over the age of 50, has no driving citations, and drives less than 10,000 miles a year. A driver who matches those parameters gets the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential insureds who don’t meet the requirements will be charged a more expensive rate which leads to business going elsewhere. The ad wording is “drivers who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can confidently advertise the savings.

That is why it’s extremely important to get as many quotes as possible. You cannot predict the company that will provide you with the cheapest rates.

Learn about car insurance coverages for a Kia Soul

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. These are the usual coverages found on the average car insurance policy.

Auto liability – This coverage protects you from injuries or damage you cause to other people or property that is your fault. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as medical expenses, emergency aid, court costs and attorney fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford. Nevada state minimum liability requirements are 15,000/30,000/10,000 but drivers should carry higher limits.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for expenses like chiropractic care, nursing services and X-ray expenses. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance covers damage to your Soul resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as backing into a parked car, sustaining damage from a pot hole, hitting a parking meter and rolling your car. This coverage can be expensive, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage – This will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, damage from a tornado or hurricane and falling objects. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required (Nevada limits are 15/30/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Buy online or local, you save

When trying to cut insurance costs, do not reduce coverage to reduce premium. There have been many situations where someone sacrificed collision coverage only to discover later they didn’t purchase enough coverage. Your aim should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

In this article, we presented many tips how you can lower your Kia Soul insurance rates. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. You may even find the best price on car insurance is with an unexpected company. Some small companies may only write in your state and offer lower rates compared to the large companies like GEICO and State Farm.

Discount Kia Soul insurance can be bought online and also from your neighborhood Las Vegas agents, and you need to price shop both to get a complete price analysis. A few companies may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

Learn more about Nevada car insurance

Additional information can be read on the website for the Nevada Division of Insurance. Click here for link. Visitors are able to find out industry alerts, discover disciplinary actions, learn about insurance regulations, and find a variety of consumer forms.