Do you need a better way to compare more competitive insurance rates in Jersey City, NJ? Jersey City buyers have many options when searching for the lowest priced Kia Forte insurance. They can either spend hours driving around trying to get quotes or utilize the internet to make rate comparisons. There are both good and bad ways to find insurance online so we’re going to tell you the absolute fastest way to quote coverages for a new or used Kia and obtain the lowest price either online or from Jersey City insurance agents.
You need to get comparison quotes every six months because prices are constantly changing. Even if you got the best deal on Kia Forte insurance in Jersey City a few years ago you can probably find a lower rate today. You can find a lot of information about Forte insurance on the web, but we’re going to give you some great ideas on how to buy insurance cheaper in Jersey City.
Buying the cheapest auto insurance in Jersey City is much easier if you know where to start. If you have a policy now, you will definitely be able to find the best rates using this information. Shoppers just have to know how to shop for auto insurance from many different companies online.
You may qualify for discounts for Kia Forte insurance in Jersey City
Car insurance companies do not advertise their entire list of discounts very well, so the list below details both the well known as well as the least known discounts you could be receiving when you buy Jersey City auto insurance online.
- Seat Belt Discounts – Buckling up and requiring all passengers to buckle up before driving can save up to 15% off PIP or medical payments premium.
- Discount for Low Mileage – Fewer annual miles on your Kia may enable drivers to earn lower insurance rates on the low mileage vehicles.
- Good Student Discount – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
- Own a Home and Save – Owning a home in Jersey City can save a few bucks because maintaining a house shows financial diligence.
- Multi-line Discount – Larger insurance companies have lower insurance rates if you buy some life insurance too.
- Multiple Policy Discount – If you can combine your auto and homeowners policy and place coverage with the same company you may save up to 20% off your total Forte insurance premium.
- Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them successfully take a driver’s education course if offered at their school.
Policy discounts save money, but many deductions do not apply to the entire cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, that’s just not realistic.
The illustration below illustrates the difference between Kia Forte insurance rates with and without policy discounts. The data assumes a male driver, no violations or claims, 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 multi-policy, homeowner, marriage, safe-driver, multi-car, and claim-free discounts applied.
To locate insurers with significant discounts in New Jersey, click here to view.
Finding a lower price on Kia Forte insurance is a great way to save money. All you need to do is take the time comparing free Jersey City auto insurance quotes from online providers.
The companies shown below provide free rate quotes in Jersey City, NJ. If multiple companies are listed, we recommend you click on several of them to get the cheapest price.
Insurance data for a Kia Forte
The rate information displayed below showcases a range of coverage prices for Kia Forte models. Being able to understand how insurance premiums are calculated can be useful when making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $360 | $504 | $490 | $30 | $146 | $1,530 | $128 |
| Forte EX 4-Dr Sedan | $360 | $504 | $490 | $30 | $146 | $1,530 | $128 |
| Forte SX 4-Dr Sedan | $406 | $614 | $490 | $30 | $146 | $1,686 | $141 |
| Forte EX 2-Dr Coupe | $406 | $722 | $554 | $32 | $166 | $1,880 | $157 |
| Forte SX 2-Dr Coupe | $406 | $722 | $554 | $32 | $166 | $1,880 | $157 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate quotes do not factor in specific location which can modify coverage prices noticeably.
Raise deductibles and save
When buying insurance, a common question is how low should you set your deductibles. The comparisons below can help show the premium difference when you choose different insurance deductibles. The first rate comparisons uses a $100 deductible for physical damage and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $414 | $614 | $480 | $28 | $144 | $1,705 | $142 |
| Forte EX 4-Dr Sedan | $414 | $614 | $480 | $28 | $144 | $1,705 | $142 |
| Forte SX 4-Dr Sedan | $466 | $746 | $480 | $28 | $144 | $1,889 | $157 |
| Forte EX 2-Dr Coupe | $466 | $880 | $544 | $32 | $162 | $2,109 | $176 |
| Forte SX 2-Dr Coupe | $466 | $880 | $544 | $32 | $162 | $2,109 | $176 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $302 | $414 | $480 | $28 | $144 | $1,368 | $114 |
| Forte EX 4-Dr Sedan | $302 | $414 | $480 | $28 | $144 | $1,368 | $114 |
| Forte SX 4-Dr Sedan | $340 | $504 | $480 | $28 | $144 | $1,496 | $125 |
| Forte EX 2-Dr Coupe | $340 | $594 | $544 | $32 | $162 | $1,672 | $139 |
| Forte SX 2-Dr Coupe | $340 | $594 | $544 | $32 | $162 | $1,672 | $139 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes 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. Information does not factor in your specific Jersey City location which can lower or raise coverage rates noticeably.
Based on the above data, using a $100 deductible costs an average of $33 more each month or $396 every year than choosing the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to average more than 12 months between claims, you would probably come out ahead going with the higher deductible. The numbers below show how you can do this calculation yourself.
| Average monthly premium for $100 deductibles: | $159 |
| Average monthly premium for $500 deductibles (subtract): | – $126 |
| Monthly savings from raising deductible: | $33 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $33 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 12 months |
One big caveat is that a higher deductible level means you will have to pay more of your own money when you have a physical damage claim. That will force you to have enough disposable income in the event you have to pay more for the deductible.
Driving violations and accidents
The diagram below demonstrates how traffic citations and accident claims can impact Kia Forte auto insurance costs for each age group. The information is based on a single male driver, full coverage, $100 deductibles, and no discounts are applied.
Rate comparison of full coverage and liability-only
The example below shows the comparison of Kia Forte insurance rates with full coverage and liability only. The rate quotes are based on a clean driving record, no claims, $100 deductibles, single marital status, and no policy discounts are applied.
When to stop buying comprehensive and collision coverage
There is no set guideline to delete physical damage insurance, but there is a general guideline. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.
For example, let’s say your Kia Forte settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $8,000 after the deductible is paid. If you are paying in excess of $800 a year for physical damage coverage, then you might consider buying liability only.
There are some situations where dropping physical damage coverage is not advised. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.
Which policy gives me the best coverage?
When selecting adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique.
These are some specific questions could help you determine if you would benefit from professional advice.
- Am I better off with higher deductibles on my Kia Forte?
- How do I buy GAP insurance?
- If my pet gets injured in an accident are they covered?
- How many claims can I have before being canceled?
- What are the liability requirements in my state?
- Should I rate my Kia Forte as pleasure use or commute?
If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form. It is quick, free and can provide invaluable advice.
Insurance agents can help
Some consumers would prefer to buy from a local agent and that is not a bad decision Good insurance agents are very good at helping people manage risk and help you file claims. A nice benefit of getting online price quotes is you can get cheaper rates and still buy from a local agent.
By using this form (opens in new window), your information gets sent to companies in Jersey City who will give you quotes for your insurance coverage. It’s much easier because you don’t need to find an agent on your own since price quotes are sent immediately to you. If you need to compare prices for a specific company, you just need to go to their quote page and submit a quote form there.
Finding a good company shouldn’t rely on just the price. Any agent in Jersey City should be forthright in answering these questions:
- Are they in the agency full-time?
- Is the agent properly licensed in New Jersey?
- How many years of experience in personal auto insurance do they have?
- Are they involved in claim handling?
- Are aftermarket or OEM parts used to repair vehicles?
- What is the agency’s Better Business Bureau rating?
- Can glass claims be handled at your home?
- Is vehicle mileage a factor when determining depreciation for repairs?
If you would like to find a reliable agent, it helps to know the two different types of agencies that you can select. Jersey City agents can be categorized as either exclusive agents or independent agents. Either type can write insurance policies, but it’s important to know the difference between them since it can impact which type of agent you select.
Exclusive Insurance Agents
Agents that choose to be exclusive can usually just insure with one company like Allstate, AAA, Farmers Insurance, and State Farm. They are unable to shop your coverage around so if the price isn’t competitive there isn’t much they can do. These agents receive extensive training in insurance sales which aids in selling service over price. Some consumers prefer to buy from exclusive agents mostly because of the prominent brand name and the convenience of having a single billing for all their coverages.
Listed below is a list of exclusive agencies in Jersey City who can help you get price quote information.
- Farmers Insurance – Mofalc Meinga
447 Central Ave – Jersey City, NJ 07307 – (201) 435-1616 – View Map - Hemant Jiwnani – State Farm Insurance Agent
2770 John F Kennedy Blvd, FL-1 – Jersey City, NJ 07306 – (201) 653-1770 – View Map - Tawanda Jackson – State Farm Insurance Agent
688 NJ-440 – Jersey City, NJ 07305 – (201) 209-0290 – View Map
Independent Insurance Agents
Agents of this type are normally appointed by many insurers and that is an advantage because they can write policies through lots of different companies enabling the ability to shop coverage around. If they find a cheaper price, the business is moved internally and you stay with the same agent.
When comparing insurance prices, it’s recommended you include at least one independent agent in order to compare the most rates. Most have the option of insuring with smaller regional carriers which could offer lower prices.
Below is a list of independent insurance agencies in Jersey City willing to provide price quote information.
- MOMS Insurance Agency
155 Martin Luther King Dr B – Jersey City, NJ 07305 – (201) 451-3200 – View Map - GG Insurance – Independent Insurance Agent
270 Marin Boulevard, Metropolis Towers Suite #14D – Jersey City, NJ 07302 – (800) 801-0394 – View Map - ABL Insurance Services
910 Bergen Ave # 307 – Jersey City, NJ 07306 – (201) 222-1314 – View Map
Find affordable car insurance rates by comparing often
Cost effective Kia Forte insurance is definitely available on the web in addition to local insurance agencies, so get free Jersey City auto insurance quotes from both of them to have the best rate selection. Some companies may not offer rates over the internet and these regional carriers only sell through independent agents.
We just presented a lot of ways to reduce Kia Forte insurance prices online in Jersey City. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even find the best prices are with the least-expected company.
When buying insurance coverage, it’s a bad idea to buy poor coverage just to save money. In too many instances, an insured cut physical damage coverage only to regret that it was a big mistake. Your objective should be to buy a smart amount of coverage at the best cost while not skimping on critical coverages.
How to find cheaper Kia Forte insurance in Jersey City
It takes a few minutes, but the best way to get low-cost Kia Forte insurance is to compare prices at least once a year from insurers in Jersey City.
First, try to learn a little about car insurance and the changes you can make to keep rates down. Many things that increase rates like getting speeding tickets and an imperfect credit rating can be controlled by improving your driving habits or financial responsibility.
Second, compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from one company like GEICO or Allstate, while agents who are independent can quote rates from multiple insurance companies. Click to view companies
Third, compare the new rate quotes to your existing rates and determine if there is any savings. If you find better rates and decide to switch, make sure coverage does not lapse between policies.
Fourth, notify your agent or company to cancel your current coverage. Submit a completed application and payment for the new policy. Don’t forget to place your new proof of insurance certificate in an easily accessible location in your vehicle.
One key aspect of rate comparisons is to make sure you’re comparing identical coverages on every quote and and to look at as many companies as you can. Doing this enables a level playing field and plenty of rates choose from.
To learn more, feel free to visit the resources below:
- Tread Depth and Tire Safety (State Farm)
- Who Has Cheap Jersey City Car Insurance Rates for College Students? (FAQ)
- How Much are Car Insurance Quotes for Teachers in Jersey City? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Drivers Requiring a SR22 in Jersey City? (FAQ)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Understanding Car Crashes Video (iihs.org)
- A Tree Fell on Your Car: Now What? (Allstate)