Paying for expensive Kia Sportage insurance in Jersey City can take a big chunk out of your monthly budget and possibly require postponing other expenditures.
A recent insurance study discovered that the majority of drivers have stayed with the same insurance company for over three years, and practically 40% of insurance customers have never compared rates with other companies. New Jersey drivers could save almost 40% every year just by comparing rates, but they just assume it takes a lot of time to compare rates and save money.
Popular companies such as State Farm, Allstate, GEICO and Progressive continually bombard you with ads and it is difficult to not get sucked in by the cute commercials and take the time to shop coverage around.
It’s a good idea to take a look at other company’s rates before your next renewal since prices tend to go up over time. Even if you got the best deal on Kia Sportage insurance in Jersey City a year ago other companies may now be cheaper. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the fastest way to find great coverage at a great price.
If you have insurance now, you will definitely be able to shop for the lowest rates using these tips. Locating the most cost-effective auto insurance policy in Jersey City is actually very simple if you learn how to start. Although New Jersey consumers benefit from understanding the way companies charge you for coverage because it varies considerably.
Discounts can help lower rates on Kia Sportage insurance in Jersey City
Companies don’t necessarily list every policy discount very well, so here is a list both the well known in addition to some of the lesser obvious discounts that you can inquire about if you buy Jersey City auto insurance online.
- Accident Forgiveness – Not a discount per se, but some companies like Allstate, State Farm and GEICO allow you one accident before they charge you more for coverage if you have no claims prior to being involved in the accident.
- Good Students Pay Less – Excelling in school may save as much as 25% on a Jersey City auto insurance quote. Earning this discount can benefit you up until you turn 25.
- Club Memberships – Affiliation with specific professional or occupational memberships or organizations can get you a small discount on your policy.
- Anti-lock Brake Discount – Cars with ABS braking systems or traction control have fewer accidents and earn discounts up to 10%.
- Savings for New Vehicles – Buying a new car instead of a used Sportage can save you some money due to better safety requirements for newer models.
- Full Payment Discount – If paying your policy premium upfront instead of paying each month you can avoid monthly service charges.
- Drivers Education – It’s a good idea to have your young drivers complete a driver education course if it’s offered in school.
- More Vehicles More Savings – Buying a policy with multiple cars on the same auto insurance policy can get a discount for every vehicle.
- Accident Free – Claim-free drivers pay less compared to bad drivers.
Just know that most discounts do not apply to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, companies wouldn’t make money that way.
The example below visualizes the comparison of Kia Sportage premium costs with and without discounts applied. The information is based on a female driver, no driving violations, no at-fault accidents, New Jersey state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, homeowner, multi-car, and marriage discounts applied.
If you would like to choose from a list of auto insurance companies that provide some of the discounts listed above in Jersey City, click this link.
When comparing auto insurance rates, know that more quotes provides better odds of finding a lower rate than you’re paying now. Not every company does Jersey City Sportage insurance quotes online, so it’s recommended that you also compare rates from those companies as well.
The providers in the list below offer quotes in New Jersey. If multiple companies are listed, it’s highly recommended you get prices from several of them in order to find the lowest rates.
Coverage information
The table shown next showcases a range of insurance prices for Kia Sportage models. Learning as much as possible about how insurance policy rates are established can help guide drivers when making smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $278 | $530 | $544 | $32 | $162 | $1,546 | $129 |
| Sportage LX 2WD 4-Dr | $278 | $530 | $544 | $32 | $162 | $1,546 | $129 |
| Sportage EX 2WD 4-Dr | $320 | $644 | $544 | $32 | $162 | $1,702 | $142 |
| Sportage LX 4WD 4-Dr | $320 | $644 | $544 | $32 | $162 | $1,702 | $142 |
| Sportage LX | $320 | $644 | $544 | $32 | $162 | $1,702 | $142 |
| Sportage EX 4WD 4-Dr | $320 | $644 | $544 | $32 | $162 | $1,702 | $142 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Price estimates do not factor in specific garaging location which can affect price quotes noticeably.
Analysis of deductible levels
One common question asked by Jersey City drivers is how high should the physical damage deductibles be. The following insurance rates can help you visualize the costs and benefits of buying low and high policy deductibles. The first table uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $360 | $614 | $480 | $28 | $144 | $1,651 | $138 |
| Sportage LX 2WD 4-Dr | $360 | $614 | $480 | $28 | $144 | $1,651 | $138 |
| Sportage EX 2WD 4-Dr | $414 | $746 | $480 | $28 | $144 | $1,837 | $153 |
| Sportage LX 4WD 4-Dr | $414 | $746 | $480 | $28 | $144 | $1,837 | $153 |
| Sportage LX | $414 | $746 | $480 | $28 | $144 | $1,837 | $153 |
| Sportage EX 4WD 4-Dr | $414 | $746 | $480 | $28 | $144 | $1,837 | $153 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $200 | $324 | $480 | $28 | $144 | $1,176 | $98 |
| Sportage LX 2WD 4-Dr | $200 | $324 | $480 | $28 | $144 | $1,176 | $98 |
| Sportage EX 2WD 4-Dr | $230 | $394 | $480 | $28 | $144 | $1,276 | $106 |
| Sportage LX 4WD 4-Dr | $230 | $394 | $480 | $28 | $144 | $1,276 | $106 |
| Sportage LX | $230 | $394 | $480 | $28 | $144 | $1,276 | $106 |
| Sportage EX 4WD 4-Dr | $230 | $394 | $480 | $28 | $144 | $1,276 | $106 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in vehicle location which can affect premiums significantly.
Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $45 more each month or $540 for a full year than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 20 months between claim filings, you would come out ahead going with the higher deductible.
The diagram below highlights how deductible selection and can influence Kia Sportage insurance rates for different categories of driver ages. The data assumes a single male driver, comp and collision included, and no discounts are applied to the premium.
Price comparison of only insuring for liability
The chart below shows the difference between Kia Sportage car insurance rates when comparing full coverage to liability only. The information is based on no accidents, no driving violations, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.
When to stop buying full coverage
There is no set rule of when to eliminate comp and collision coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
For example, let’s assume your Kia Sportage replacement cost is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $6,000 after paying your deductible. If you are paying in excess of $600 a year for comprehensive and collision coverage, then it might be time to buy liability only.
There are some conditions where dropping physical damage coverage is not recommended. If you haven’t paid off your loan, you are required to maintain full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.
Everyone needs different auto insurance coverages
Always keep in mind that when comparing your policy for your vehicles, there really is not a “perfect” insurance plan. Your needs are unique to you and your auto insurance should unique, too.
Here are some questions about coverages that might point out whether your personal situation may require specific advice.
- Do I need to file an SR-22 for a DUI in New Jersey?
- If I drive on a suspended license am I covered?
- I have a DUI can I still get coverage?
- What can I do if my company won’t pay a claim?
- Is coverage enough to protect my assets?
- Is my camper covered for physical damage?
- What is an umbrella policy?
- Am I covered if I back into my garage door?
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier
Independent versus exclusive insurance agents
A small number of people would rather get professional advice from a licensed agent and that can be a great decision A good thing about comparing rates online is that you can find cheap auto insurance quotes but still work with a licensed agent.
After completing this form (opens in new window), the coverage information is emailed to local insurance agents in Jersey City who can give free rate quotes to get your business. It makes it easy because there is no need to search for any insurance agencies because prices are sent to the email address you provide. You’ll get the best rates and a licensed agent to talk to. If you wish to get a price quote from a specific insurance company, just search and find their rate quote page and submit a quote form there.
Choosing a insurance company should depend on more than just a cheap quote. Ask your prospective agent these questions:
- Do they regularly work with personal auto policies in Jersey City?
- Is coverage determined by price?
- Is the coverage adequate for your vehicle?
- Does the company allow you to choose your own collision repair facility?
- Will the agent help in case of a claim?
- Is insurance their full-time profession?
- Is there any savings for paying the full premium?
- Do they get paid more for recommending certain coverages?
Persistence is the key to cheap rates
Cheaper Kia Sportage insurance in Jersey City is definitely available from both online companies and also from your neighborhood Jersey City agents, and you need to price shop both to get a complete price analysis. Some insurance companies may not provide internet price quotes and many times these smaller companies prefer to sell through independent agents.
We’ve covered some good ideas how you can compare Kia Sportage insurance premium rates in Jersey City. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even find the lowest premium rates are with a smaller regional carrier. These companies may have significantly lower prices on certain market segments than their larger competitors like GEICO and State Farm.
Steps to finding cheaper quotes for Kia Sportage insurance in Jersey City
Truthfully, the best way to get cheaper Kia Sportage insurance in Jersey City is to start comparing prices regularly from insurance carriers who sell insurance in New Jersey. Rates can be compared by completing these steps.
Step 1: Spend some time learning about how your policy works and the things you can control to keep rates low. Many factors that drive up the price like at-fault accidents and an unacceptable credit score can be controlled by making lifestyle changes or driving safer.
Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like GEICO or State Farm, while agents who are independent can provide price quotes for a wide range of companies.
Step 3: Compare the new rates to your existing rates to see if you can save by switching companies. If you can save money and buy the policy, make sure coverage does not lapse between policies.
Step 4: Provide notification to your current company to cancel your current policy and submit the completed application along with a down payment for the new coverage. Once coverage is bound, put the proof of insurance certificate with the vehicle registration.
A key point to remember is that you’ll want to make sure you compare similar coverage information on every quote and and to get price estimates from every company you can. Doing this guarantees an accurate price comparison and a complete price analysis.
More information
- Older Drivers FAQ (iihs.org)
- Who Has Cheap Jersey City Car Insurance Rates for College Students? (FAQ)
- What is the Cheapest Auto Insurance in Jersey City, New Jersey? (FAQ)
- Who Has Cheap Jersey City Car Insurance Quotes for Nurses? (FAQ)
- Who Has the Cheapest Jersey City Car Insurance Rates for Active Military? (FAQ)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Young Drivers: The High Risk Years Video (iihs.org)
- How to Avoid Common Accidents (State Farm)