It’s an obvious statement that insurance companies want to prevent you from shopping around. People who shop around once a year are likely to move their business because they have good chances of getting low-cost coverage. Surprisingly, a recent survey revealed that consumers who regularly shopped around saved over $860 a year as compared to drivers who didn’t regularly shop around.
If finding the lowest price on auto insurance in Newark is the reason you’re here, then having a grasp of how to get price quotes and compare car insurance can save time, money, and frustration.
The most effective way to get more affordable Kia Sorento insurance is to start doing an annual price comparison from different companies in Newark. Prices can be compared by completing these steps.
- First, try to comprehend auto insurance and the measures you can take to prevent expensive coverage. Many rating criteria that cause high rates such as tickets, at-fault accidents, and an imperfect credit history can be remedied by paying attention to minor details. This article gives more details to help reduce prices and get discounts that may be overlooked.
- Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like GEICO or Allstate, while independent agents can provide price quotes for a wide range of insurance providers.
- Third, compare the new quotes to your current policy to determine if switching companies saves money. If you find a better price, verify that coverage does not lapse between policies.
A crucial key to this process is to make sure you’re comparing the same liability limits and deductibles on every price quote and and to compare as many companies as feasibly possible. This provides an accurate price comparison and maximum price selection.
Finding the cheapest insurance coverage in Newark seems hard but is not really that difficult. If you already have coverage or just want cheaper coverage, you can use these techniques to shop for the lowest rates and still get good coverage. Comparison shoppers just need to know the most efficient way to shop their coverage around online.
The best way we recommend to compare insurance rates in your area is to know car insurance companies provide online access to compare their rates. To start a quote, the only thing you need to do is give the companies some data such as the make and model of your vehicles, deductibles desired, if you require a SR-22, and how many miles driven. Your insurance information is then submitted to insurance companies and you receive quotes with very little delay.
To check Kia Sorento insurance prices now, click here and find out if lower rates are available in Newark.
The following companies are ready to provide free rate quotes in Newark, NJ. If multiple companies are listed, we recommend you get rate quotes from several of them in order to get a fair rate comparison.
Determine discounts on Newark car insurance
Car insurance companies do not advertise all their discounts very well, so the next list breaks down a few of the more common and also the lesser-known credits available to lower your premiums when you buy Newark car insurance online.
- Claim-Free Discount – Insureds who avoid accidents and claims are rewarded with significantly better rates on Newark car insurance quote in comparison to accident-prone drivers.
- Sign Online – Some insurance companies give back up to $50 get Newark car insurance on the web.
- Senior Discount – Older drivers can possibly qualify for a discount up to 10%.
- Discounts for New Vehicles – Putting insurance on a new Sorento can save you some money since newer models are generally safer.
- Full Payment Discount – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
Discounts reduce rates, but you should keep in mind that most discounts do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like all those discounts means the company will pay you, you aren’t that lucky.
The best car insurance companies and some of the premium reductions they offer include:
- Progressive may include discounts for homeowner, online quote discount, continuous coverage, multi-vehicle, and good student.
- AAA offers discounts for multi-car, good student, good driver, AAA membership discount, pay-in-full, and multi-policy.
- Farmers Insurance policyholders can earn discounts including mature driver, alternative fuel, youthful driver, business and professional, and good student.
- GEICO includes discounts for defensive driver, anti-lock brakes, emergency military deployment, five-year accident-free, air bags, seat belt use, and membership and employees.
- Esurance may have discounts that include multi-car, Pac-12 alumni, defensive driver, anti-lock brakes, DriveSense, good student, and renters.
- SAFECO discounts include bundle discounts, anti-lock brakes, teen safety rewards, homeowner, and multi-car.
- State Farm has discounts for multiple autos, student away at school, multiple policy, good student, and anti-theft.
Check with every insurance company the best way to save money. Some discounts might not be offered in Newark. To choose companies who offer online Kia Sorento insurance quotes in New Jersey, follow this link.
Which car insurance company is best in Newark?
Choosing the right insurer can be difficult considering how many companies provide coverage in New Jersey. The company rank data displayed below can help you pick which car insurance providers you want to consider comparing rates from.
Top 10 Newark Car Insurance Companies by A.M. Best Rank
- GEICO – A++
- Travelers – A++
- State Farm – A++
- USAA – A++
- Allstate – A+
- Nationwide – A+
- Mercury Insurance – A+
- Progressive – A+
- The Hartford – A+
- Esurance – A+
Eight Things That Affect Your Insurance Rates
Many things are considered when you get your auto insurance bill. Some factors are common sense such as your driving history, but others are more obscure such as your marital status or how financially stable you are.
Listed below are some of the most rate-impacting factors insurance companies consider when setting your rates.
Fewer miles means better rates – The more you drive your Kia each year the higher your rate. The majority of insurers apply a rate based on how the vehicle is used. Autos used primarily for pleasure use receive lower rates than those used for commuting. Make sure your insurance policy reflects annual mileage, because improper ratings can cost you money. Incorrect rating for your Sorento is throwing money out the window.
Teen driver insurance costs – Beginning drivers in New Jersey have been known to be inattentive and easily distracted when driving and because of this, their insurance rates are much higher. Older insureds are viewed as being more responsible, are lower risk to insure, and tend to be get fewer driving tickets.
Use but don’t abuse your insurance – Companies in New Jersey provide lower rates to policyholders who are not frequent claim filers. If you file a lot of claims you can expect either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.
Save by driving safer cars – Vehicles with good safety scores get lower rates. Safer cars reduce injuries and any reduction in injury severity means lower claim amounts and lower rates for you. If your Kia Sorento scored better than four stars on Safercar.gov you are probably receiving a discount.
Drive a fast vehicle and pay more – The performance of the car or truck you need to insure makes a huge difference in your rates. Low performance passenger cars usually have the lowest rates, but your final cost has many other factors.
Rates and your address – Having an address in a small town is a good thing when shopping for auto insurance. People in densely populated areas regularly have traffic congestion and more severe claims. Less people living in that area translates into fewer accidents and a lower car theft rate.
Prevent theft and lower insurance rates – Choosing a vehicle with a theft deterrent system can get you a discount on your insurance. Anti-theft features like OnStar, LoJack tracking, and tamper alarms can help prevent car theft.
Liability – Your insurance policy’s liability coverage is the protection if you are found to be at fault for causing personal injury or damage in an accident. This coverage provides for a legal defense to defend your case. Liability is cheap as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
Kia Sorento statistical loss data – Insurers analyze the history of losses to calculate a price that will offset any claims. Models that the statistics show to have higher number or severity of losses will have a higher cost to insure. The next table shows the insurance loss data for Kia Sorento vehicles.
For each policy coverage, the loss probability for all vehicles, without regard to make or model, equals 100. Numbers that are below 100 suggest a better than average loss history, while numbers above 100 indicate frequent claims or statistically larger losses.
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Kia Sorento 4dr 2WD||80||86||82||110||111||94|
|Kia Sorento 4dr 4WD||85||87||101||97||98||85|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years