Kia Soul Car Insurance

The Kia Soul is a subcompact crossover SUV from the South Korean multinational auto company Kia. It is known for its reliability and fuel efficiency and is a popular choice among Canadians.

If you currently drive a Kia Soul, are buying your first car, or are thinking of buying a new car, then you might be looking for car insurance to go with it. BrokerLink is here to help you find just that. As auto insurance experts, our insurance advisors have helped thousands of Canadians find the right policies for their vehicles. Continue reading to learn more about the cost of Kia Soul car insurance and the coverage it provides.

BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.

What is Kia Soul car insurance?

Kia Soul auto insurance is a type of coverage that is created exclusively for Kia Rio vehicles. Customers sign a contract with an insurance company, just like with any other type of motor insurance. Your insurance provider will help cover the costs of loss or damage to your car resulting from an accident or non-collision incident in exchange for a recurring charge (premium).

Is Kia Soul car insurance mandatory?

Car insurance is mandatory in Canada; therefore, you must have a valid policy before driving your new Kia Soul. However, mandatory insurance policies and insurance minimums will differ by province. For example, the minimum liability coverage in Ontario, British Columbia, and Alberta is $200,000, whereas in Nova Scotia it is $500,000. In any case, most drivers choose limits as high as $2 million for added peace of mind.

Kia Soul auto insurance coverage

If you drive a Kia Soul anywhere in Canada, then you need car insurance. Auto insurance is mandatory throughout Canada, though each province and territory has its own regulations. Below is a list of some of the most common types of auto insurance for Kias:

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Additional

Third-party liability car insurance coverage is mandatory in every Canadian province and territory. It protects the policyholder if they are injured or their Kia Soul is damaged in a collision that they caused. Beyond medical bills and vehicle repairs, liability coverage can also pay for legal counsel and court fees. Minimum coverage requirements for third-party liability vary by province, so make sure you check the minimum coverage requirements in your province before purchasing a policy for your Kia Soul.

Accident benefits coverage is another type of mandatory coverage in Canada for all provinces except Newfoundland. It protects the policyholder if they, a passenger, or a pedestrian requires medical attention following a collision. Regardless of which party is at fault for the accident, the policyholder can still receive compensation to pay for medical expenses under the accident benefits portion of their policy.

Uninsured motorist insurance is a policy included in Kia car insurance that protects policyholders in the event they are involved in a collision with an at-fault driver who is either uninsured or underinsured, ensuring they are fairly compensated for their damages. This Kia insurance also protects them if they are hit by a hit-and-run driver.

Direct compensation - property damage is mandatory in many provinces,, while optional coverage in other provinces. The purpose of this Kia insurance policy is to ensure you're swiftly compensated following a collision with an at-fault driver by allowing you to deal directly with your insurance company, rather than the other drivers.

Comprehensive coverage offers financial protection against specified perils, such as theft, vandalism, fire, water damage, and more. Many Kia Soul drivers choose to include comprehensive coverage in their policies for the peace of mind it brings. Note that before your comprehensive car coverage kicks into place, you'll need to pay a deductible to your insurance company.

Collision car coverage is similar to comprehensive coverage in the sense that it also covers damage to your vehicle. However, the main difference between these two policies is that while comprehensive coverage covers damages caused during non-collision events, collision coverage will cover repair costs associated with damages that occur as a result of an at-fault collision. Again, you will need to pay a deductible to your insurance company before this policy kicks in and covers the remaining costs.

One more type of optional car insurance coverage that might be available to Kia Soul drivers is accident forgiveness. Accident forgiveness is additional coverage that can be added to your car insurance policy as an endorsement, to protect your driving record and to help prevent your insurance premium from increasing if you have an at-fault accident claim.

If you're buying a new car, adding this coverage to your policy is worth considering. It ensures you're covered for the full value of your vehicle without factoring in depreciation. That means if your car is stolen or totalled, you'll be reimbursed for the cost of a brand-new vehicle—not just what it's worth after wear and tear.

If you ever get into an accident and your car needs repairs, loss of use coverage has your back. While your car is in the shop, this coverage helps pay for other ways to get around—whether that's hopping on public transit, using ride shares, or renting a car. It can be a real lifesaver, especially if your car ends up being out of commission for days or even weeks.

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How to save on Kia car insurance rates

If you're up for an expired car insurance renewal, know that there are ways to save on your Kia Soul insurance rates while still acquiring the best coverage for your unique driving needs. Here's how you can save on your Kia insurance:

Discounts

Ask about discounts

Another great way to save on insurance costs for your Kia vehicle is to ask different insurance providers whether they offer any discounts. There are often discounts for having a clean driving record, bundling your insurance policies, installing winter tires and other safety features, and more!

Increase your deductible

If you can afford to do so, you may want to consider increasing your deductible. A deductible is the amount you agree to pay during an insurance claim before your provider will cover the remaining repairs. By taking on more financial responsibility, you can lower your overall premiums slightly.

Enrol in a driving safety course

For young drivers, learning safe driving tips and completing a recognized driving course can also potentially save on your insurance costs, as it shows providers that you're dedicated to becoming a safe and responsible motorist.

Savings Options

Compare car insurance quotes

One of the best things you can do is compare car insurance quotes from more than one insurance company. By comparing quotes and coverage options, you can determine which insurance providers offer a better rate without sacrificing the ability to still have full coverage for your Kia vehicles.

Work with insurance brokers

Working with a broker is beneficial as it provides you with a streamlined experience that can help you compare rates from different providers and more. Brokers are also able to answer your questions and build a customized policy that meets your unique needs without breaking the bank.

Pay for your insurance premium upfront

You may want to pay for your Kia insurance upfront rather than monthly. Insurance providers tack on a monthly fee, given that processing your payment every billing cycle costs money. To avoid this fee, consider paying the entirety of your premium in one go.

How car insurance companies calculate insurance costs

The cost to insure a Kia Soul varies. However, generally speaking, car insurance for the Kia Soul is relatively inexpensive and sits below the average nationally. To determine how much it will cost to insure your Kia Soul, contact an insurance broker at BrokerLink. We are pleased to provide free auto insurance quotes to all Kia drivers. In the meantime, we’ve put together this list of factors impacting the cost of car insurance to help you understand how insurance premiums are calculated in Canada:

Location
Driver age
Make and model of vehicle
Driving history
Driving experience
Past claims
Annual mileage
Prior insurance coverage
Your deductible(s)
How do you use your vehicle

Please note that insurance brokers do not determine insurance rates. However, BrokerLink can reach out to Canada’s top insurance companies on your behalf to obtain and compare quotes and help you find a Kia Soul car insurance policy at a great price.

Contact BrokerLink to learn more about Kia Soul insurance cost

Renewing car insurance can be a hassle. But, with the help of the experienced insurance brokers at BrokerLink, you can get back on the road and where you need to go in no time. With access to multiple auto insurance policies from some of Canada's top insurance companies, our brokers can help you compare prices and customize your Kia car insurance for an affordable rate, regardless of whether you need Kia Soul car insurance, Kia Rio car insurance, Kia Optima car insurance, or coverage for other Kia vehicles.

To work with a broker from BrokerLink, don't hesitate to visit us at one of our many locations across the country. If there's no BrokerLink in your neighbourhood, you can still reach us over the phone or by email. And, to get a free quote for your Kia insurance, take advantage of our online quote tool for a competitive Kia insurance quote within minutes!

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FAQs for Kia Soul

Have questions? Our FAQ section has the answers you're looking for. Find helpful information to guide you through your options.

Is the Kia Soul cheaper to insure than other vehicles?

The Kia Soul is relatively cheap to insure, as the car itself is inexpensive. That said, vehicle make and model are only two factors that influence car insurance rates. Insurance companies will also consider factors like your age, location, driving record, and claims history when calculating your premium.

How much is car insurance per month in Ontario for my Kia vehicle?

Whether you're a first-time car owner or not, you may be wondering, "How much is car insurance per month in Ontario for my Kia vehicle?" On average, motorists in Ontario spend $150 a month on insurance. However, because Kia insurance is unique to each driving profile, your Kia insurance cost will vary significantly depending on other factors that go beyond your Kia car. Therefore, if you're in the market for coverage, we suggest getting free quotes from different providers to ensure you find the right coverage for your needs without spending a large amount on your coverage.

How do I report an accident?

Accidents often happen when you least expect them to. If you've never been in a collision before, you may be wondering, "How do you report a car accident?" First things first, you should always contact your insurance company following a collision, regardless of how minor the damages are. Now, it's also important to note that each province has its own traffic regulations regarding collision reporting. So, you'll need to research the specific laws in your area. Remember, not reporting a car accident to the police under certain circumstances is illegal and can result in serious consequences like demerit points and the loss of your driver's license.

Is Kia car insurance mandatory?

Yes, Kia Soul insurance is mandatory. Car insurance is mandatory in Canada, no matter what make or model of vehicle you drive.

Do I need insurance before or after I register my car?

Most of the time, when you register your car, you will need proof of valid insurance beforehand. This, however, can vary between provinces. Therefore, you'll need to check your province's Ministry of Transportation website for more information about what documents you need to provide at the time of your appointment.

How do insurance cost compares to other Kia models?

The Kia Soul is one of the cheapest Kia models to insure. For example, the average Kia Soul insurance cost is consistently less expensive than the cost of the Kia Forte, Kia Sorento, Kia Cadenza, Kia Rio, Kia Optima, and more. A few reasons that the Kia Soul might be cheaper to insure than other Kia models are due to a difference in safety features, cost of repair or replacement, vehicle size, and the likelihood of theft.

Is the Kia Soul cheaper to insure than other vehicles?

Is Kia car insurance mandatory?

Yes, Kia Soul insurance is mandatory. Car insurance is mandatory in Canada, no matter what make or model of vehicle you drive.

How much is car insurance per month in Ontario for my Kia vehicle?

Do I need insurance before or after I register my car?

How do I report an accident?

How do insurance cost compares to other Kia models?

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Kia Soul Car Insurance

What is Kia Soul car insurance?

Is Kia Soul car insurance mandatory?

Kia Soul auto insurance coverage

Third-party liability coverage

Accident benefits coverage

Uninsured motorist insurance

Direct compensation - property damage

Comprehensive coverage

Collision car insurance

Accident forgiveness coverage

Waiver of depreciation

Loss of use coverage

Third-party liability coverage

Accident benefits coverage

Uninsured motorist insurance

Direct compensation - property damage

Comprehensive coverage

Collision car insurance

Accident forgiveness coverage

Waiver of depreciation

Loss of use coverage

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Our reviews

Greg Silver

Andy Rohansingh

Ian Roome

Clara Furlano

Joyce Kivuyo-Kisamo

Terry Mason

Sandi G

DANI L

Anne Langevin

Peter Ayo

Chris Gelowitz

Digital Evolution

renee king

Andrea Case

Dan Hayes

Rana Najar

Mark Houston

Katherine Bedea

Jessie hansra

Ifedapo Adeniyi

David Ford

Michelle Hawgood

Trevor Hildebrand

Morgan Adekeye

Tyler Frisby

Steven Melowsky

Steve Payne

Matt & Sav Weetman

Brooklyn Seweryn

Craig Gillis

Cheryl Trush

Jinene Shinnicks

Geoff Aiken

Tony Hynes

Christine Fedrau

amanda

Lori Coffey