How to Save on Jersey City Kia Soul Insurance

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Kia Soul insurance rates
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Insurance rates Kia Soul in Jersey CityIf you want to find the absolute lowest rates, then the best way to get discount Kia Soul insurance in Jersey City is to do an annual price comparison from providers who provide car insurance in New Jersey.

  1. Read about how companies set rates and the things you can change to prevent expensive coverage. Many policy risk factors that cause high rates like accidents, traffic violations, and a negative credit score can be amended by being financially responsible and driving safely. Read the full article for tips to help reduce premium rates and find available discounts that you may qualify for.
  2. Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from a single company like GEICO or Allstate, while independent agencies can provide prices from multiple insurance companies.
  3. Compare the new rate quotes to the price on your current policy to see if you can save by switching companies. If you find a lower rate and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Provide adequate notice to your current company of your intention to cancel your current coverage and submit a down payment along with a completed application to your new carrier. Once received, place the new certificate verifying coverage in an easily accessible location in your vehicle.

A good tip to remember is that you'll want to make sure you compare the same liability limits and deductibles on each quote and and to get price quotes from as many companies as possible. Doing this enables a fair rate comparison and a thorough price selection.

It's safe to conclude that insurance companies want to keep you from shopping around. Insureds who compare other rates are very likely to switch auto insurance companies because there is a significant possibility of finding more affordable rates. A study discovered that consumers who made a habit of comparing rate quotes saved about $850 each year compared to other drivers who never shopped for cheaper rates.

If finding the lowest price for insurance is your goal, then learning about how to get rate quotes and compare insurance can make it easier to shop your coverage around.

Cheapest companies for Kia Soul insurance

The auto insurance companies shown below provide free rate quotes in New Jersey. If multiple companies are listed, we recommend you compare several of them to get a more complete price comparison.

Coverage analysis

The premium information shown next covers different policy rates for Kia Soul models. Being more informed about how auto insurance policy rates are determined can help guide drivers when making smart choices when selecting a policy.

Kia Soul Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $220 $444 $624 $36 $188 $1,512 $126
Soul Plus $220 $444 $624 $36 $188 $1,512 $126
Soul Exclaim $248 $444 $624 $36 $188 $1,540 $128
Soul Sport $248 $444 $624 $36 $188 $1,540 $128
Get Your Own Custom Quote Go

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium costs do not factor in vehicle garaging location which can change premiums considerably.

Higher deductibles lower rates

One frequently asked question is how high should the physical damage deductibles be. The data tables below lay out how much more rates are when you choose different physical damage deductibles. The first rate estimation uses a $100 deductible and the second pricing table uses a $500 deductible.

Kia Soul insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $414 $746 $480 $28 $144 $1,837 $153
Soul Plus $414 $746 $480 $28 $144 $1,837 $153
Soul Exclaim $466 $746 $480 $28 $144 $1,889 $157
Soul Sport $466 $746 $480 $28 $144 $1,889 $157
Get Your Own Custom Quote Go
Kia Soul insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Soul $302 $504 $480 $28 $144 $1,458 $122
Soul Plus $302 $504 $480 $28 $144 $1,458 $122
Soul Exclaim $340 $504 $480 $28 $144 $1,496 $125
Soul Sport $340 $504 $480 $28 $144 $1,496 $125
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Price estimates do not factor in the specific area where the vehicle is garaged which can change prices considerably.

Based on the above data, using a $100 deductible would cost the average driver about $31 more each month or $372 annually than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you have at least 13 months between claim filings, you would save more money if you choose a higher deductible.

The illustration below highlights how deductible selection and can change Kia Soul premium costs for different age categories. Data assumes a single female driver, full coverage, and no policy discounts are applied.

Kia Soul insurance rates by gender in Jersey City

The chart below shows the comparison of Kia Soul insurance premiums for male and female drivers. The premiums are based on no claims or violations, comprehensive and collision coverage, $100 deductibles, drivers are single, and no discounts are applied to the premium.

Affordable Jersey City auto insurance quotes with discounts

Auto insurance is not cheap nor is it fun to buy but there's a good chance there are discounts that you may not even know about. Most are applied when you quote, but lesser-known reductions have to be asked about before you will receive the discount.

  • Defensive Driver - Taking part in a driver safety class can save you 5% or more if you qualify.
  • E-sign - A handful of companies will discount your bill up to fifty bucks shop Jersey City car insurance over the internet.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Drive Safe and Save - Drivers who don't get into accidents may save up to 50% more than less cautious drivers.
  • College Student Discount - Kids who are enrolled in higher education away from home and do not have a car may be insured at a cheaper rate.
  • Driver's Ed - It's a good idea to have your young drivers take driver's ed class in school.
  • Passive Restraints - Vehicles equipped with air bags or automatic seat belts can get savings up to 30%.
  • Professional Organizations - Participating in a qualifying organization may earn a discount on your next auto insurance statement.

A little note about advertised discounts, some credits don't apply to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like adding up those discounts means a free policy, companies wouldn't make money that way.

The illustration below compares Kia Soul auto insurance costs with and without discounts applied to the rates. The rates are based on a male driver, a clean driving record, no claims, New Jersey state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, claim-free, homeowner, safe-driver, and multi-car discounts applied.

A partial list of companies who might offer these benefits possibly include:

Double check with every company which credits you are entitled to. Some of the discounts discussed earlier might not apply in Jersey City. To find auto insurance companies that have a full spectrum of discounts in New Jersey, follow this link.

Special considerations

When buying the best insurance coverage for your vehicles, there is no single plan that fits everyone. Every situation is different.

These are some specific questions can help discover if your insurance needs might need professional guidance.

  • Do I need motorclub coverage?
  • Should I get collision insurance on every vehicle?
  • Do I pay less for low miles?
  • Is my babysitter covered when using my vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered when driving someone else's vehicle?
  • Should I have a commercial auto policy?
  • What vehicles should carry emergency assistance coverage?

If you don't know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It's fast, free and can provide invaluable advice.

When should I contact an insurance agent?

Some people prefer to have an agent's advice and that is recommended in a lot of cases Professional agents are trained to spot inefficiencies and give you someone to call. One of the great benefits of comparing insurance online is you can get lower rates and also buy local.

Jersey City insurance agentsTo find an agent, once you fill out this simple form, the coverage information is transmitted to insurance agents in Jersey City who will give you bids and help you find cheaper coverage. You don't have to visit any agencies due to the fact that quote results will go to you. If for some reason you want to get a rate quote from one company in particular, you just need to navigate to their website to submit a rate quote request.

Choosing the best company should depend on more than just the price. Get answers to these questions too.

  • Is the agent properly licensed in New Jersey?
  • What is the financial rating for the quoted company?
  • What company holds the largest book of business for them?
  • Do they write coverage based solely on cost?
  • Are claims handled at the agent's location?
  • Which insurance companies are they affiliated with?

Pick the best car insurance agent in Jersey City for you

If you need to find a good insurance agency, it's helpful to know the different agency structures and how they are distinctly different. Insurance agents may be either exclusive or independent (non-exclusive). Either one can handle insurance, but it's good to learn the difference in the companies they write for since it could factor into your selection of an agent.

Exclusive Agents

These agents generally can only insure with one company like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents are unable to provide rate quotes from other companies so always compare other rates. Exclusive agents are usually quite knowledgeable on their company's products which helps them sell on service rather than price. Some insured continue to use the same exclusive agent mostly because of the brand name instead of buying on price only.

Below is a short list of exclusive agents in Jersey City that can give you comparison quotes.

View more Jersey City agents

Independent Insurance Agencies

Agents that choose to be independent are not locked into one company and that allows them to write policies with many different companies and help determine which has the cheapest rates. If you want to switch companies, they simply move your policy to a different company and you can keep the same agent. When comparison shopping, you will definitely want to include a couple of independent agencies to have the most options to choose from. Many write coverage with small mutual carriers that may have much lower rates than larger companies.

Shown below is a short list of independent insurance agents in Jersey City willing to provide rate quotes.

  • 775 Newark Ave - Jersey City, NJ 07306 - (201) 217-1780 - View Map
  • ABL Insurance Services
    910 Bergen Ave # 307 - Jersey City, NJ 07306 - (201) 222-1314 - View Map
  • Cheap Car Insurance Quotes Auto Newark NJ
    268 W KINNEY ST - Newark, NJ 07103 - (888) 290-0635 - View Map

View more Jersey City agents

Auto insurance companies ranked

Selecting the top car insurance provider can be rather challenging considering how many companies there are in New Jersey. The information shown below could help you analyze which car insurance providers you want to consider comparing price quotes from.

Top 10 Jersey City Car Insurance Companies Ranked by Customer Satisfaction

  1. The Hartford - 93%
  2. Progressive - 90%
  3. 21st Century - 89%
  4. USAA - 87%
  5. Mercury Insurance - 87%
  6. State Farm - 87%
  7. Travelers - 87%
  8. Safeco Insurance - 86%
  9. AAA Insurance - 86%
  10. American Family - 85%

Top 10 Jersey City Car Insurance Companies Ranked by Value

  1. The Hartford
  2. Mercury Insurance
  3. Farmers Insurance
  4. Safeco Insurance
  5. AAA Insurance
  6. 21st Century
  7. Travelers
  8. State Farm
  9. Progressive
  10. American Family

Get the best coverage at the best price

When trying to cut insurance costs, it's very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped liability coverage limits and learned later that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage for the lowest cost while not skimping on critical coverages.

We just showed you a lot of tips how to get a better price on Kia Soul insurance in Jersey City. It's most important to understand that the more you quote Jersey City car insurance, the better your comparison will be. Drivers may even discover the best price on auto insurance is with the smaller companies.

Some insurance providers may not offer online price quotes and usually these smaller providers provide coverage only through local independent agencies. Cheap Kia Soul insurance in Jersey City can be purchased both online as well as from independent agents in Jersey City, and you should compare rates from both in order to have the best chance of saving money.

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