Do you need a better way to compare lower-priced Kia Soul insurance in Honolulu? Feeling guilty for buying an overpriced insurance policy? Trust us when we tell you there are many Honolulu drivers thinking the same thing.

Insurance quote for Kia Soul in HonoluluShockingly, most insurance buyers in Hawaii have stayed with the same insurance company for more than four years, and approximately 38% of consumers have never compared rates with other companies. Many drivers in the U.S. could save roughly 47% every year just by getting comparison quotes, but they don't know the amount of savings they would get if they swap their current policy for a cheaper one. You have multiple car insurance companies to buy insurance from, and although it's a good thing to be able to choose, it can be more difficult to find a good deal for Kia Soul insurance in Honolulu.

Consumers need to get comparison quotes quite often because prices fluctuate regularly. Just because you found the lowest price on Kia Soul insurance in Honolulu six months ago there may be better deals available now. Forget anything you know (or think you know) about insurance because you're about to learn the easiest way to properly buy coverages while reducing your premium.

The method we recommend to compare policy rates for Kia Soul insurance in Honolulu is to take advantage of the fact most insurance companies participate in a system to quote your coverage. To start a quote, the only thing you need to do is provide the companies a bit of rating information such as how your vehicles are used, deductibles desired, your job, and if it has an anti-theft system. Those rating factors is instantly submitted to multiple different insurance companies and you will get price comparisons very quickly.

To start a quote now, click here and find out if lower rates are available in Honolulu.

The following companies are ready to provide free rate quotes in Honolulu, HI. If multiple providers are shown, it's highly recommended you click on several of them to get the best price comparison.

Kia Soul Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $176 $338 $278 $16 $84 $892 $74
Soul Plus $108 $212 $278 $16 $84 $698 $58
Soul Exclaim $162 $272 $300 $18 $90 $842 $70
Soul Sport $188 $278 $264 $16 $80 $826 $69
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rates do not factor in zip code location which can impact insurance rates significantly.

Deductible analysis

When comparing car insurance rates, the most common question is how high should the physical damage deductibles be. The rates below can help you visualize the rate difference when you select higher and lower comp and collision deductibles. The first set of rates uses a $100 deductible for comp and collision and the second rate table uses a $500 deductible.

Kia Soul insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $228 $412 $264 $16 $80 $1,025 $85
Soul Plus $228 $412 $264 $16 $80 $1,025 $85
Soul Exclaim $258 $412 $264 $16 $80 $1,055 $88
Soul Sport $258 $412 $264 $16 $80 $1,055 $88
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Kia Soul insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $166 $278 $264 $16 $80 $804 $67
Soul Plus $166 $278 $264 $16 $80 $804 $67
Soul Exclaim $188 $278 $264 $16 $80 $826 $69
Soul Sport $188 $278 $264 $16 $80 $826 $69
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in vehicle location which can revise premiums substantially.

Based on the figures above, using a $100 deductible costs approximately $19 more each month or $228 annually than quoting the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 21 months between claim filings, you would more than likely save some money if you choose a higher deductible. Here's a better example of how you can make your own decision.

Average monthly premium for $100 deductibles: $87
Average monthly premium for $500 deductibles (subtract): - $68
Monthly savings from raising deductible: $19
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

Higher deductibles lower rates

The chart below shows how different deductible levels and can increase or decrease Kia Soul insurance costs for each age group. The data is based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.

Do you need full coverage?

The chart below shows the difference between Kia Soul insurance costs with and without physical damage coverage. The premium estimates are based on no accidents, no driving violations, $100 deductibles, single female driver, and no other discounts are factored in.

When to stop paying for full coverage

There isn't a written rule for phasing out comp and collision coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let's pretend your Kia Soul replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $8,000 after paying your policy deductible. If you are currently paying more than $800 annually for full coverage, then you might want to consider buying only liability coverage.

There are some conditions where eliminating full coverage is not advised. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan requirements. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should not remove full coverage.

Three reasons to not skimp on insurance

Despite the high cost of buying insurance for a Kia Soul in Honolulu, insurance may be mandatory for several reasons.

The benefits of buying insurance greatly outweigh the cost, especially if you ever need it. As of last year, the average driver in Hawaii is overpaying over $865 each year so compare quotes from several companies at every policy renewal to make sure the price is not too high.

Honolulu insurance discounts

Some providers don't necessarily list all available discounts very well, so the below list has a few of the more well known and the more hidden discounts you could be receiving when you buy Honolulu auto insurance online.Cheaper insurance with discounts

Policy discounts save money, but most credits do not apply to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like it's possible to get free car insurance, nobody gets a free ride.

A few of the larger companies and a summarized list of policyholder discounts are outlined below.

When comparing rates, check with all companies you are considering which discounts can lower your rates. Discounts might not be offered in your state. If you would like to view providers that offer many of these discounts in Hawaii, click here.

Compare rates but still have a local neighborhood Honolulu car insurance agent

Many drivers still like to buy from a licensed agent and that is not a bad decision Professional insurance agents are trained to spot inefficiencies and help file insurance claims. A good thing about comparing auto insurance online is that drivers can save money and get the lowest rates and still have an agent to talk to.

Honolulu insurance agentsTo make it easy to find an agent, after completing this quick form, your insurance coverage information is emailed to agents in your area who will gladly provide quotes for your auto insurance coverage. There is no reason to even leave your home as quotes are delivered to the email address you provide. If you want to quote rates for a specific company, you can always go to their quote page and give them your coverage information.

Finding the right insurance company requires more thought than just the premium amount. The answers to these questions are important, too.

Shown below are Honolulu auto insurance companies that may be willing to give rate quotes for Kia Soul insurance in Honolulu.

1088 Bishop St #2210 - Honolulu, HI 96813 - (808) 841-5915 - View Map

1580 Makaloa St #102 - Honolulu, HI 96814 - (808) 945-0802 - View Map

1259 S Beretania St Ste 1 - Honolulu, HI 96814 - (808) 593-8844 - View Map

1960 Kapiolani Blvd Ste 208 - Honolulu, HI 96826 - (808) 955-9090 - View Map

More insurance agents

Car insurance policy coverages for a Kia Soul

Understanding the coverages of car insurance aids in choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages available from car insurance companies.

Liability car insurance

This protects you from damages or injuries you inflict on other's property or people by causing an accident. This insurance protects YOU against other people's claims, and doesn't cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 20/40/10 that means you have $20,000 in coverage for each person's injuries, $40,000 for the entire accident, and property damage coverage for $10,000.

Liability coverage pays for claims such as funeral expenses, medical services, medical expenses, bail bonds and emergency aid. How much liability should you purchase? That is your choice, but buy as much as you can afford. Hawaii requires minimum liability limits of 20/40/10 but you should think about purchasing more liability than the minimum.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Kia Soul.

Since many Hawaii drivers carry very low liability coverage limits (which is 20/40/10), their limits can quickly be used up. So UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for short-term medical expenses such as doctor visits, EMT expenses, hospital visits, X-ray expenses and rehabilitation expenses. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Comprehensive insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, fire damage and damage from flooding. The maximum payout you'll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for collisions

Collision insurance pays for damage to your Soul caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like colliding with another moving vehicle, backing into a parked car, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible on your Soul in order to get cheaper collision rates.

Lower rates by being persistent

We just presented a lot of ways to find lower-cost Kia Soul insurance in Honolulu. The key concept to understand is the more times you quote, the better likelihood of getting low cost Honolulu auto insurance quotes. You may even find the most savings is with some of the lesser-known companies. These companies can often insure niche markets at a lower cost than the large multi-state companies such as GEICO and State Farm.

Budget-friendly car insurance in Honolulu is definitely available online and also from your neighborhood Honolulu agents, so you need to quote Honolulu auto insurance with both in order to have the best chance of saving money. Some insurance companies don't offer rates over the internet and usually these regional insurance providers provide coverage only through independent agents.

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