Kia Sedona Insurance Quotes in Jersey City

Statistics show that most auto insurance policyholders kept their policy with the same company for four years or more, and nearly half have never shopped around. Consumers in New Jersey could save up to $716 each year just by comparing rates, but they just don’t understand how easy it is to go online and compare rates.

Discount Kia Sedona insuranceThe most effective way to get affordable car insurance rates is to regularly compare prices from companies in Jersey City. You can shop around by following these steps.

  1. Get a basic knowledge of auto insurance and the measures you can control to lower rates. Many things that cause rate increases such as distracted driving and a poor credit score can be rectified by improving your driving habits or financial responsibility. This article gives more ideas to prevent rate hikes and find additional discounts.
  2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like Progressive or Farmers Insurance, while independent agents can provide rate quotes for a wide range of insurance providers.
  3. Compare the new rate quotes to your current policy and determine if cheaper Sedona coverage is available in Jersey City. If you can save some money and make a switch, make sure there is no coverage gap between policies.
  4. Provide notification to your current company to cancel your current coverage. Submit payment and a signed application to your new agent or company. When you receive it, safely store the certificate verifying proof of insurance in your vehicle.

One key aspect of rate comparisons is that you use similar coverage information on every price quote and to quote with as many different companies as possible. This helps ensure an apples-to-apples comparison and a thorough selection of prices.

When quoting insurance, remember that more quotes helps locate the best offered rates. Some insurance companies are not set up to provide online price quotes, so it’s important to also get price estimates from them as well.

The companies in the list below are ready to provide comparison quotes in Jersey City, NJ. In order to find the best cheap auto insurance in Jersey City, NJ, it’s a good idea that you visit several of them to find the most competitive auto insurance rates.

Insurance coverage details

The rate information below showcases a range of insurance costs for Kia Sedona models. Learning a little about how rates are calculated can help guide drivers when making informed coverage decisions.

Kia Sedona Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $460 $756 $552 $32 $166 $1,966 $164
Sedona LX $460 $918 $552 $32 $166 $2,128 $177
Sedona EX $518 $918 $552 $32 $166 $2,186 $182
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Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rate information does not factor in garaging location in Jersey City which can change prices greatly.

Where to set your deductibles

When comparing auto insurance rates, the most common question is how low should you set your deductibles. The comparisons below highlight the differences in premium rates when you buy lower versus higher physical damage deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Kia Sedona insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $372 $514 $408 $24 $122 $1,465 $122
Sedona LX $372 $626 $408 $24 $122 $1,577 $131
Sedona EX $420 $626 $408 $24 $122 $1,625 $135
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Kia Sedona insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $230 $324 $408 $24 $122 $1,108 $92
Sedona LX $230 $394 $408 $24 $122 $1,178 $98
Sedona EX $258 $394 $408 $24 $122 $1,206 $101
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Information does not factor in your specific Jersey City location which can revise coverage rates significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you about $32 more each month or $384 a year than choosing the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 23 months between claims, you would save money if you opt for a higher deductible.

How violations and accidents impact rates

The diagram below highlights how speeding tickets and at-fault collisions impact Kia Sedona annual premium costs for different age categories. The data assumes a married female driver, comp and collision included, $250 deductibles, and no discounts are applied.

Auto insurance rates by age and gender in Jersey City

The chart below shows the difference between Kia Sedona car insurance costs for male and female drivers. The data assumes no claims or driving citations, full coverage, $250 deductibles, drivers are single, and no additional discounts are factored in.

Why Your Insurance Prices might be higher

An important part of buying insurance is that you know a few of the rating criteria that are used to determine your car insurance rates. When consumers understand what influences your rates, this enables you to make decisions that may result in lower premium levels.

Married people drive safer – Walking down the aisle may save some money on your car insurance policy. Marriage means you’re more mature and statistics prove drivers who are married file infrequent claims.

Comp and collision deductibles are a factor – Physical damage insurance, also called ‘full coverage’, insures against damage to your Kia. Some instances where coverage would apply would be running into the backend of another car, damage caused by hail, and damage caused by flying debris. Comp and collision deductibles define the amount you are willing to pay in the event of a claim. The more expense you have to pay, the less money you will pay for car insurance.

GPS tracking and theft deterrents reduce premiums – Selecting a car model with an alarm system can help lower your rates. Advanced theft deterrents such as OnStar, LoJack tracking, and tamper alarms all help stop car theft and help bring rates down.

Drive less and get lower rates – The higher the mileage driven every year the more you’ll pay to insure your vehicle. Almost all companies charge to insure your cars based on how the vehicle is used. Vehicles used primarily for pleasure use receive lower rates than those that get driven frequently. Incorrect rating for your Sedona may be costing you. It’s always a good idea to double check that your policy correctly shows how each vehicle is driven.

High insurance claims frequency drives up car insurance rates – If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Companies in New Jersey give the lowest premiums to insureds who are not frequent claim filers. Auto insurance is intended for claims that you cannot pay yourself.

Vehicles with better crash test results mean better car insurance rates – Cars with high safety ratings can get you lower premiums. Vehicles engineered for safety result in less severe injuries and better occupant protection means lower claim amounts and more competitive rates for policyholders.

The higher your credit rating the lower your prices – An insured’s credit score can be a huge factor in determining what you pay for car insurance. If your credit score could use some work, you could pay less to insure your Kia Sedona by improving your rating. Drivers with high credit ratings tend to be more responsible and file fewer claims than drivers who have lower credit scores.

Insurance loss statistics a Kia Sedona – Insurance companies analyze historical claim data to determine a rate that will be profitable for them. Vehicles that have a higher amount or frequency of claims will cost more for coverage.

The data below shows the compiled insurance loss statistics for Kia Sedona vehicles. For each policy coverage type, the claim amount for all vehicles, regardless of make, model or trim level, is represented as 100. Percentages below 100 represent a good loss history, while percentage numbers above 100 indicate higher probability of having a loss or a tendency for claims to be larger.

Kia Sedona Insurance Claim Statistics
Specific Kia Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Kia Sedona 102 64 96 116

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Why you need to buy auto insurance

Despite the high insurance cost for a Kia Sedona in Jersey City, auto insurance may be required for several reasons.

First, the majority of states have mandatory liability insurance requirements which means you are required to carry a specific level of liability protection in order to be legal. In New Jersey these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your Sedona has a loan, more than likely the lender will make it a condition of the loan that you have physical damage coverage to guarantee payment of the loan. If you do not keep the policy in force, the lender will be forced to insure your Kia at a much higher premium rate and require you to fork over for it.

Third, insurance protects both your car and your personal assets. It will also provide coverage for medical transport and hospital expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance will also pay attorney fees if you cause an accident and are sued. If you have damage to your Kia as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of carrying adequate insurance definitely exceed the price paid, especially for larger claims. On average, a vehicle owner in Jersey City is overpaying over $700 annually so we recommend shopping around at every policy renewal to ensure rates are inline.

Jersey City auto insurance companies

Selecting a high-quality car insurance company can be challenging considering how many companies sell insurance in New Jersey. The rank data shown next could help you decide which coverage providers to look at purchasing coverage from.

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

Top 10 Jersey City Car Insurance Companies by A.M. Best Rank

  1. GEICO – A++
  2. Travelers – A++
  3. State Farm – A++
  4. USAA – A++
  5. Allstate – A+
  6. Nationwide – A+
  7. Mercury Insurance – A+
  8. Progressive – A+
  9. The Hartford – A+
  10. Esurance – A+