Find Affordable Kia Sportage Insurance in Newark

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Insurance rates Kia Sportage in NewarkIf you want to save the most money, the best way to get cheaper car insurance rates in Newark is to start comparing prices yearly from insurers in New Jersey. Rate comparisons can be done by following these steps.

  • First, read and learn about car insurance and the things you can control to prevent rate increases. Many factors that cause high rates like speeding tickets, careless driving and a substandard credit history can be remedied by making small lifestyle or driving habit changes.
  • Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like Progressive or Farmers Insurance, while agents who are independent can provide rate quotes for a wide range of insurance providers.
  • Third, compare the price quotes to the price on your current policy to see if a cheaper price is available in Newark. If you can save some money and make a switch, ensure coverage does not lapse between policies.

An important bit of advice to remember is that you'll want to make sure you compare similar coverage information on every price quote and and to get rates from as many carriers as you can. This guarantees an apples-to-apples comparison and the best rate selection.

Surprisingly, a recent survey revealed that the vast majority of insurance customers renewed their policy with the same company for well over three years, and 38% of customers have never even shopped around for cheaper coverage. Many drivers in Newark could pocket almost 40% a year just by shopping around, but most just don't grasp how much savings they would realize if they switched to a more affordable policy.

Where can I get cheap Newark Kia Sportage insurance?

When price shopping your coverage, comparing a large number of companies helps you find lower pricing.

The companies in the list below are our best choices to provide free rate quotes in Newark, NJ. If multiple companies are listed, we recommend you visit several of them to get the cheapest price.

Car insurance statistics and figures

The data table shown next showcases a range of insurance costs for Kia Sportage models. Being more informed about how rate quotes are figured is important for drivers to make smart choices when selecting a coverage provider.

Kia Sportage Insurance Rates in Newark, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $410 $614 $630 $38 $188 $1,880 $157
Sportage LX 2WD 4-Dr $410 $614 $630 $38 $188 $1,880 $157
Sportage EX 2WD 4-Dr $472 $746 $630 $38 $188 $2,074 $173
Sportage LX 4WD 4-Dr $472 $746 $630 $38 $188 $2,074 $173
Sportage LX $472 $746 $630 $38 $188 $2,074 $173
Sportage EX 4WD 4-Dr $472 $746 $630 $38 $188 $2,074 $173
Get Your Own Custom Quote Go

Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Prices do not factor in your specific Newark location which can decrease or increase coverage rates noticeably.

Comparison of policy deductibles

The hardest decision when buying coverage is at what level do you set your deductibles. The figures shown below sum up the rate differences when you buy lower versus higher policy deductibles. The first rate comparisons uses a $250 physical damage coverage deductible and the second price chart uses a $500 deductible.

Kia Sportage insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $324 $514 $480 $28 $144 $1,515 $126
Sportage LX 2WD 4-Dr $324 $514 $480 $28 $144 $1,515 $126
Sportage EX 2WD 4-Dr $372 $626 $480 $28 $144 $1,675 $140
Sportage LX 4WD 4-Dr $372 $626 $480 $28 $144 $1,675 $140
Sportage LX $372 $626 $480 $28 $144 $1,675 $140
Sportage EX 4WD 4-Dr $372 $626 $480 $28 $144 $1,675 $140
Get Your Own Custom Quote Go
Kia Sportage insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sportage LX 2WD 4-Dr $264 $414 $480 $28 $144 $1,330 $111
Sportage LX 2WD 4-Dr $264 $414 $480 $28 $144 $1,330 $111
Sportage EX 2WD 4-Dr $302 $504 $480 $28 $144 $1,458 $122
Sportage LX 4WD 4-Dr $302 $504 $480 $28 $144 $1,458 $122
Sportage LX $302 $504 $480 $28 $144 $1,458 $122
Sportage EX 4WD 4-Dr $302 $504 $480 $28 $144 $1,458 $122
Get Your Own Custom Quote Go

Prices above 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, homeowner, claim-free, and safe-driver. Price estimates do not factor in specific zip code location which can lower or raise premium rates noticeably.

Based on this data, using a $250 deductible costs an average of $17 more each month or $204 annually averaged for all Sportage models than requesting the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you go more than 15 months between claim filings, you would more than likely save some money if you decide on a higher deductible. Here is the way this calculation is made.

Average monthly premium for $250 deductibles: $135
Average monthly premium for $500 deductibles (subtract): - $118
Monthly savings from raising deductible: $17
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One important issue to know is that a higher deductible results in more money out-of-pocket when you file a claim. You need some extra savings in the event you need to pay the higher deductible in order to repair your vehicle.

Tickets and at-fault accidents raise rates

The example below demonstrates how speeding tickets and at-fault fender-benders can affect Kia Sportage auto insurance costs for each age group. The information is based on a married male driver, full coverage, $500 deductibles, and no other discounts are factored in.

Insuring your Kia Sportage just makes sense

Despite the high insurance cost for a Kia Sportage in Newark, maintaining insurance serves an important purpose.

  • Most states have minimum mandated liability insurance limits which means you are required to carry a specific level of liability insurance coverage if you don't want to risk a ticket. 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.
  • If you took out a loan on your Kia, more than likely the lender will make it a condition of the loan that you have full coverage to protect their interest in the vehicle. If you let the policy lapse, the bank will be required to insure your Kia at an extremely high rate and require you to pay for it.
  • Insurance protects both your vehicle and your assets. Insurance will pay for many types of medical costs for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, also covers legal expenses if anyone sues you for causing an accident. If you have damage to your Kia as the result of the weather or an accident, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of carrying adequate insurance are without a doubt worth the cost, particularly if you ever have a claim. The average driver in America is overpaying more than $750 every year so compare rates once a year at a minimum to help ensure money is not being wasted.

Newark Insurance Rates are Influenced by These Factors

Many things are used when you quote your car insurance policy. Some of the criteria are obvious such as your driving history, although others are more transparent like your continuous coverage or how safe your car is. A large part of saving on auto insurance is knowing the different types of things that play a part in calculating your premiums. If you understand what determines premiums, this enables you to make decisions that can help you get cheaper rates.

The list below includes some of the things used by your company to calculate your prices.

  • Insure car and home with the same company - Lots of auto insurance companies provide better rates for people that have more than one policy. It's known as a multi-policy discount. Even with this discount, it's in your best interest to compare other Newark Sportage insurance rates to guarantee you are still saving the most. Drivers may still find better rates even if you insure with multiple companies
  • Men pay higher prices - Statistics have proven women are more cautious behind the wheel. The data does not necessarily mean that men are worse drivers. Women and men tend to get into fender benders in similar numbers, but the males tend to have higher claims. Men also statistically have more aggressive citations like DUI and reckless driving. Youthful male drivers cause the most accidents and therefore have the most expensive auto insurance rates.

    The example below shows the difference between Kia Sportage auto insurance costs for male and female drivers. The premiums are based on a clean driving record, no claims, full coverage, $500 deductibles, drivers are single, and no discounts are applied.

  • Maintain auto insurance coverage - Driving any period of time without insurance can get you a ticket and as a result your rates will increase for letting your coverage cancel without a new policy in place. Not only will you pay more, being ticketed for driving with no insurance may earn you fines and jail time.
  • Lower rates for safer vehicles - Vehicles that have high safety ratings tend to have better insurance rates. The safest vehicles help reduce the chance of injuries in an accident and fewer serious injuries means less claims paid and cheaper rates on your policy. If your Kia Sportage earned at least four stars on or an "acceptable" rating on you may qualify for a discount.
  • Big city or small town - Living in a small town is a good thing when it comes to auto insurance. Fewer people corresponds to lower accident rates. People in densely populated areas have to deal with much more traffic and a longer drive to work. More time commuting means more chances of being involved in an auto accident.
  • Liability - A critical coverage on your policy, liability insurance kicks in if ever a jury decides you are liable for causing damage or personal injury in an accident. Liability provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so drivers should carry high limits.
  • Insurance loss probability for a Kia Sportage - Insurance companies include the past claim history for a vehicle to determine a rate that will be profitable for them. Vehicles that the data determines to have higher loss trends will cost more to insure.

    The information below illustrates the loss history for Kia Sportage vehicles. For each policy coverage, the claim amount for all vehicles averaged together is represented as 100. Percentage numbers below 100 imply a favorable loss record, while numbers that are greater than 100 indicate more frequent losses or an increased chance of larger losses than average.

    Kia Sportage Insurance Claim Statistics
    Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Kia Sportage 4dr 2WD 82 100 66 113 127 109
    Kia Sportage 4dr 4WD 90 100 83 116 108 101

    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Discount Newark car insurance rates

Auto insurance companies don't necessarily list the entire discount list very clearly, so we researched both well-publicized as well as some of the hidden car insurance savings. If they aren't giving you every credit you qualify for, you are paying more than you should be.Discount car insurance

  • Renewal Discounts - Select car insurance companies give a discount for switching companies before your current expiration date. Ten percent is about the average savings.
  • Discounts for Safe Drivers - Safe drivers can pay as much as 50% less compared to accident prone drivers.
  • Discounts for Government Workers - Active or former government employment can earn a discount up to 10% with a few car insurance companies.
  • Multi-line Discount - Car insurance companies who offer life insurance give a discount if you purchase some life insurance too.
  • Mature Driver Discount - Mature drivers are able to get reduced rates.
  • Telematics Data - People who choose to allow their company to track driving patterns remotely such as State Farm's In-Drive could see a rate decrease as long as the data is positive.
  • Own a Home - Simply owning a home can save you money because maintaining a house requires a higher level of personal finance.
  • Multi-policy Discount - If you can combine your home and auto policy and insure them both with the same insurance company you could save nearly 15% which can help you find inexpensive Kia Sportage insurance in Newark.

Discounts save money, but please remember that most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, you're out of luck.

The diagram below illustrates the difference between Kia Sportage car insurance rates with and without discounts applied. The prices are based on a male driver, no tickets, no at-fault accidents, New Jersey state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, claim-free, marriage, and safe-driver discounts applied.

To find insurers that can offer you the previously mentioned discounts in Newark, follow this link.

Local Newark car insurance agents

Certain consumers prefer to buy from a licensed agent and that can be a great decision One of the benefits of comparing insurance online is the fact that you can find the best rates but still work with a licensed agent.

Newark insurance agentsFor easy comparison, once you complete this simple form, your insurance data is sent to agents in your area who want to provide quotes and help you find cheaper coverage. It makes it easy because there is no need to contact any insurance agencies since price quotes are sent to you directly. You'll get the best rates without having to waste a lot of time. In the event you want to compare prices from one company in particular, don't hesitate to jump over to their website and complete a quote there.

Finding the right provider requires you to look at more than just the bottom line cost. Any agent in Newark should be forthright in answering these questions:

  • Will the quote change when the policy is issued?
  • Will one accident increase rates?
  • Will they give you a referral list?
  • Which family members are covered?
  • Where would glass claims be handled in Newark?

Exclusive agents vs. Independent agents

When finding a local agent, there are a couple of types of insurance agents and how they differ in how they quote coverages. Agencies in Newark are considered either exclusive or independent.

Exclusive Insurance Agencies

Exclusive agencies can only place business with one company like Farmers Insurance and State Farm. They generally cannot shop your coverage around so they have no alternatives for high prices. Exclusive agents are well trained on their products and sales techniques which helps offset the inability to provide other markets.

Listed below are exclusive agencies in Newark who may provide you with price quote information.

681 1/2 Mt Prospect Ave - Newark, NJ 07104 - (973) 484-5772 - View Map

229 Bloomfield Ave - Newark, NJ 07104 - (973) 482-1975 - View Map

41 Wilson Ave - Newark, NJ 07105 - (973) 732-2105 - View Map

More insurance agents

Independent Insurance Agencies

Agents in the independent channel can sell policies from many different companies and that gives them the ability to insure with an assortment of companies and find the cheapest rate. To move your coverage to a new company, the agent simply finds a different carrier without you having to go to a different agency. If you are comparing rate quotes, we highly recommend that you contact at a minimum one independent agency in order to compare the most rates.

Below is a list of independent insurance agencies in Newark that can give you comparison quotes.

George H Nixon Agency
54 Grumman Ave - Newark, NJ 07112 - (973) 923-3721 - View Map

Knight Insurance Consulting Group
454 Washington St - Newark, NJ 07102 - (973) 704-1024 - View Map

121 Elizabeth Ave #101 - Newark, NJ 07108 - (908) 344-7577 - View Map

More insurance agents

If you feel you receive positive responses to any questions you may have and locked in a price quote, most likely you have located an auto insurance agent that will properly insure your vehicles.

One last thing about your coverage

Cost effective Kia Sportage insurance is attainable online in addition to many Newark insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some companies may not have online quoting and these regional carriers prefer to sell through independent agencies.

You just learned a lot of techniques to compare Kia Sportage insurance car insurance rates in Newark. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your premium rates. Consumers may even find the lowest priced insurance comes from the least-expected company. Smaller companies can often provide lower premium rates in certain areas compared to the large companies like State Farm, GEICO and Nationwide.

Even more information can be found by following these links: