Insurance rates Kia Soul in Fort WayneHow long has it been since the last time you looked for cheaper Kia Soul insurance in Fort Wayne? Pretty sure you bought an overpriced auto insurance policy? Trust us, many Fort Wayne consumers are in the same pinch.

A recent auto insurance study revealed that 70% of consumers have stayed with the same insurance company for more than four years, and 38% of customers have never quoted auto insurance rates at all. The average driver in Fort Wayne can save hundreds of dollars each year, but most just don't grasp the big savings they would realize if they bought a different policy. People have so many insurers to pick from, and although it's nice to have a choice, too many choices makes it more difficult to compare rates and find the lowest cost auto insurance.

Best companies for low-cost Kia Soul insurance in Indiana

The companies in the list below are our best choices to provide price quotes in Fort Wayne, IN. If multiple companies are listed, we recommend you visit several of them to get a more complete price comparison.

Kia Soul Insurance Price Estimates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $208 $414 $364 $22 $110 $1,118 $93
Soul Plus $216 $366 $280 $16 $84 $962 $80
Soul Exclaim $118 $196 $270 $16 $80 $680 $57
Soul Sport $146 $226 $286 $16 $86 $760 $63
Get Your Own Custom Quote Go

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Table data does not factor in Fort Wayne location which can impact auto insurance rates greatly.

Kia Soul insurance rates: Men versus women

The information below illustrates the comparison of Kia Soul car insurance rates for male and female drivers. The data assumes no claims or driving violations, comp and collision included, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.

Careless Fort Wayne drivers pay higher rates

The diagram below demonstrates how citations and at-fault accidents raise Kia Soul insurance costs for different categories of driver ages. The price estimates are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.

Smart Choices Result in Lower Insurance Rates

A large part of saving on insurance is knowing the different types of things that are used to determine your policy premiums. If you know what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may result in lower rates. Many different elements are considered when pricing auto insurance. Some of the criteria are obvious like an MVR report, but some are less obvious like your continuous coverage or how safe your car is.

The items below are a partial list of the pieces utilized by car insurance companies to help set premiums.

Do you qualify for discounts?

Some providers don't list their entire list of discounts very clearly, so the following list contains both the well known and also the lesser-known auto insurance savings. If you do not check that you are getting every discount you deserve, you could be paying more than you need to.Cheaper auto insurance with discounts

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Most cut individual premiums such as comp or med pay. So when the math indicates having all the discounts means you get insurance for free, company stockholders wouldn't be very happy.

A few popular companies and the discounts they provide are detailed below.

When getting a coverage quote, ask each company what discounts are available to you. Some credits might not be offered on policies in your state.

Compare prices but buy from a neighborhood Fort Wayne auto insurance agent

Many drivers still prefer to sit down and talk to an agent and we recommend doing that Insurance agents are very good at helping people manage risk and help in the event of a claim. A nice benefit of comparing rates online is you can get the best rates and still buy from a local agent. And buying from local agents is important particularly in Fort Wayne.

Find insurance agent in Fort WayneAfter filling out this simple form, the coverage information is emailed to companies in Fort Wayne that give free quotes for your insurance coverage. It's much easier because you don't need to contact any agents as quotes are delivered directly to you. If you have a need to compare prices from a specific company, you can always visit that company's website and submit a quote form there.

If you need to find local Fort Wayne agents, it can be helpful to understand the different types of agencies and how they can service your needs differently. Insurance agents in Fort Wayne can be classified as either exclusive or independent (non-exclusive). Either one can write policy coverage, but we need to point out the difference in how they write coverage because it can impact the kind of agent you use.

Independent Insurance Agents

Agents that elect to be independent do not sell for just one brand so they can quote policies through many companies and find you the best rates. To move your coverage to a new company, the business is moved internally and the insured can keep the same agent. When comparing rate quotes, you should always check rates from several independent agencies to have the best price comparison.

Below are Fort Wayne independent insurance agents who may provide competitive price quotes.

3213 E State Blvd - Fort Wayne, IN 46805 - (260) 216-0024 - View Map

10432 Coldwater Rd - Fort Wayne, IN 46845 - (260) 338-0338 - View Map

9326 Coldwater Rd - Fort Wayne, IN 46825 - (260) 490-8822 - View Map

More Fort Wayne agents

Exclusive Insurance Agents

Exclusive agencies work for only one company such as State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents are unable to provide other company's prices so you might not find the best rates. They are usually well trained on the products they sell which helps them sell on service rather than price.

Below is a short list of exclusive agents in Fort Wayne willing to provide rate quotes.

W.C. Starks - State Farm Insurance Agent
3818 S Calhoun St - Fort Wayne, IN 46807 - (260) 744-4357 - View Map

8938 Lima Rd Suite R - Fort Wayne, IN 46818 - (260) 489-3977 - View Map

4660 W Jefferson Blvd Ste 100 - Fort Wayne, IN 46804 - (260) 459-7673 - View Map

More Fort Wayne agents

Selecting an insurance agent is decision based upon more than just a low price. You should also get answers to these questions.

Tricks in insurance advertising

Indiana drivers constantly see and hear ads that promise big savings for switching by companies like State Farm and Allstate. All the ads tend to make the same promise that drivers will save a bundle just by switching your policy.

How does each company charge less that you're paying now? Here is how they do it.

Insurance providers have a preferred profile for the right customer that makes them money. An example of this type of risk profile could possibly be between the ages of 30 and 50, has no driving citations, and drives a car with an anti-theft system. A customer getting a price quote who matches that profile gets the lowest car insurance rates and therefore will save money with a new company.

Consumers who don't meet the "perfect" profile will be quoted higher rates and this results in the customer not purchasing. The ads state "customers that switch" not "everyone that quotes" save that much when switching. That's why companies can lure you into getting a quote.

Because of this risk profiling, you really need to compare price quotes frequently. It is just not possible to predict which insurance companies will have the lowest Kia Soul insurance in Fort Wayne.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage for your vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else's.Higher deductibles save money

Here are some questions about coverages that can help discover whether or not you would benefit from professional advice.

If you're not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It's fast, free and can help protect your family.

Smart shoppers get results

Affordable Kia Soul insurance in Fort Wayne can be sourced on the web and from local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who may not have the ability to get quotes online and many times these smaller providers prefer to sell through local independent agents.

We just showed you some good ideas how you can reduce Kia Soul insurance auto insurance rates online in Fort Wayne. It's most important to understand that the more you quote Fort Wayne car insurance, the higher the chance of saving money. Consumers may even find the most savings is with a small local company.

As you prepare to switch companies, you should never buy less coverage just to save a little money. There have been many situations where someone dropped liability coverage limits only to find out they didn't purchase enough coverage. The aim is to buy a smart amount of coverage at a price you can afford and still be able to protect your assets.

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