The best way to find affordable Kia Borrego insurance is to start doing a yearly price comparison from companies who provide auto insurance in Jersey City. Drivers can shop around by following these steps.
- First, get an understanding of individual coverages and the changes you can make to keep rates low. Many risk factors that increase rates such as speeding tickets, careless driving and a not-so-good credit rating can be rectified by improving your driving habits or financial responsibility. Keep reading for more details to help find cheaper rates and get additional discounts.
- Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO and State Farm, while agents who are independent can provide rate quotes for a wide range of insurance providers.
- Third, compare the new rate quotes to your existing rates to see if a cheaper price is available. If you find better rates and make a switch, ensure there is no coverage lapse between policies.
- Fourth, notify your agent or company to cancel your current policy and submit a down payment and signed policy application to the new insurer. As soon as you receive it, store the certificate verifying coverage in a readily accessible location in your vehicle.
One tip to remember is to use similar limits and deductibles on every quote and and to get prices from every company you can. Doing this guarantees a fair price comparison and the best price quote selection.
It’s an obvious conclusion that auto insurance companies don’t want you quoting rates from other companies. Drivers who shop around will most likely switch to a new company because of the high probability of finding a more affordable policy premium. A recent auto insurance study discovered that consumers who made a habit of comparing rate quotes saved on average $3,500 over four years compared to policyholders who didn’t regularly shop around.
If finding budget-friendly rates on Kia Borrego insurance is your objective, then understanding how to quote and compare insurance premiums can save money and time.
Cheapest auto insurance in Jersey City, NJ
The providers in the list below have been selected to offer price quotes in New Jersey. To find the best cheap auto insurance in NJ, we suggest you get prices from several of them to get the best price comparison.
Get cheaper rates with these eight discounts
Auto insurance is expensive, but you may qualify for discounts that you may not even be aware of. Some trigger automatically at the time you complete a quote, but a few need to be specifically requested before you will receive the discount.
- Air Bags and Passive Restraints – Factory options such as air bags can qualify for discounts of 20 to 30 percent.
- Jersey City Homeowners Discount – Owning a house in Jersey City can save you money since home ownership demonstrates responsibility.
- Early Renewal Discounts – Select auto insurance companies give a discount for switching to them early. It could save around 10% when you buy Jersey City auto insurance online.
- Policy Bundle Discount – If you have multiple policies with the same company you may save up to 20% and get you inexpensive Kia Borrego insurance in Jersey City.
- Anti-lock Brake Discount – Cars with ABS braking systems or traction control can reduce accidents so you can save 10 percent or more.
- Multi-line Discount – Select auto insurance companies reward you with a small discount if you purchase life insurance from them.
- Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more than their less cautious counterparts.
- Discount for New Cars – Buying auto insurance coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
Remember that most discount credits are not given to all coverage premiums. Some only apply to individual premiums such as comp or med pay. Just because you may think it’s possible to get free car insurance, nobody gets a free ride. Any amount of discount will definitely lower the amount you pay for coverage.
Insurance companies that may offer quotes with many of the previously listed discounts include:
If you need lower rates, check with all the companies which credits you are entitled to. All car insurance discounts might not be offered in every state. For a list of companies that offer discounts in New Jersey, follow this link.
Insurance agent or online?
Some consumers would prefer to talk to a local agent and often times that is recommended Professional agents are highly skilled in risk management and help in the event of a claim. One of the best bonuses of comparing rate quotes online is the fact that drivers can get the lowest rates and still have a local agent. Buying insurance from neighborhood agents is important particularly in Jersey City.
To find an agent, once you fill out this simple form, the quote information is transmitted to local insurance agents that can provide free Jersey City auto insurance quotes for your insurance coverage. There is no need to find an agent on your own since rate quotes are delivered to you directly. If you have a need to get a rate quote from one company in particular, you would need to go to their quote page to submit a rate quote request.
The different types of auto insurance agents
If you need to find a reliable insurance agency, it can be helpful to understand the different types of agencies and how they work. Car insurance policy providers are considered either exclusive or independent. Either one can insure your vehicles, but it’s important to point out how they are different because it can impact the selection process.
Independent insurance agents are not required to write business for one company and that enables them to quote your coverage with any number of different companies and find the cheapest car insurance rates. If premiums increase, they simply switch companies in-house without you having to go to a different agency.
If you need lower rates, it’s recommended you get several quotes from several independent insurance agents so that you can do a thorough price comparison.
Listed below is a small list of independent agents in Jersey City that may be able to provide pricing information.
370 Pacific Ave – Jersey City, NJ 07304 – (201) 209-0065 – View Map
1674 John F. Kennedy Blvd # A – Jersey City, NJ 07305 – (201) 434-4760 – View Map
Lou Schloss Agency Inc
31 River Ct – Jersey City, NJ 07310 – (201) 626-7589 – View Map
Agents in the exclusive channel can only provide pricing for a single company like Allstate, Farmers Insurance or State Farm. They are unable to shop your coverage around so they really need to provide good service. Exclusive agents receive extensive training on their products and sales techniques which helps overcome the inability to quote other rates.
Shown below are exclusive agents in Jersey City that can give you rate quotes.
Finding the right auto insurance agent should depend on more than just a cheap price quote. A good agent in Jersey City will have answers to these questions.
- How much training do they have in personal risk management?
- Has the agent ever had any license suspensions?
- How many companies do they write for?
- Is vehicle damage repaired with OEM or aftermarket parts?
- When do they do a full risk review?
- What insurance company do they write the most business with?
- Do you work with a CSR or direct with the agent?
Car insurance coverage considerations
Understanding the coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Shown next are typical coverage types available from car insurance companies.
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Kia Borrego.
Since a lot of drivers only carry the minimum required liability limits (New Jersey limits are 15/30/5), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are set the same as your liability limits.
Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as rock chips in glass, vandalism, falling objects, hail damage and damage from flooding. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for expenses like X-ray expenses, prosthetic devices, chiropractic care and EMT expenses. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay
Auto liability insurance – Liability insurance will cover injuries or damage you cause to other people or property. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 15/30/5 which means a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and a total limit of $5,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage pays for things like structural damage, medical expenses, legal defense fees, pain and suffering and medical services. How much liability should you purchase? That is up to you, but buy as large an amount as possible. New Jersey requires minimum liability limits of 15/30/5 but you should think about purchasing more coverage.
The next chart shows why buying low liability limits may not be high enough to cover claims.
Collision coverage – This coverage will pay to fix damage to your Borrego from colliding with an object or car. A deductible applies and then insurance will cover the remainder.
Collision can pay for things like rolling your car, damaging your car on a curb, hitting a mailbox, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible on your Borrego to bring the cost down.
The most affordable rates come from being thorough
When searching for the cheapest Kia Borrego rate quotes, it’s very important that you do not skimp on coverage in order to save money. In too many instances, drivers have reduced physical damage coverage only to regret at claim time that it was a big error on their part. Your strategy should be to purchase a proper amount of coverage for the lowest price but still have enough coverage for asset protection.
You just read a lot of information how to shop for Kia Borrego insurance online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even be surprised to find that the most savings is with some of the lesser-known companies. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as Allstate, GEICO and Progressive.
Much more information about car insurance in New Jersey can be read on the following sites:
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Who Has the Cheapest Jersey City Car Insurance Quotes for Used Cars? (FAQ)
- Who Has the Cheapest Jersey City Car Insurance for a GMC Sierra? (FAQ)
- What Insurance is Cheapest for 18 Year Olds in Jersey City? (FAQ)
- What Auto Insurance is Cheapest for Electric Cars in Jersey City? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Seniors in Jersey City? (FAQ)
- Who Has Cheap Jersey City Car Insurance Rates for Single Moms? (FAQ)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Vehicle Insurance in the U.S. (Wikipedia)