Unbelievable but true, nearly 70% of customers have bought auto insurance from the same company for four years or more, and roughly 40% of drivers have never quoted auto insurance rates at all. Most drivers in Newark can save hundreds of dollars each year just by shopping around, but they just don’t want to compare rate quotes online.
The preferred way to get the cheapest Mitsubishi Mirage insurance is to compare prices regularly from different companies in Newark. Rates can be compared by following these steps.
- Get an understanding of how insurance works and the things you can change to lower rates. Many risk factors that result in higher prices like speeding tickets, accidents and an unfavorable credit rating can be remedied by being financially responsible and driving safely.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from one company like GEICO or Farmers Insurance, while agents who are independent can quote prices from many different companies. Begin your rate comparison
- Compare the new quotes to the premium of your current policy to see if switching to a new carrier will save money. If you can save some money, make sure coverage does not lapse between policies.
The key aspect of shopping around is to make sure you enter similar limits and deductibles on every price quote and and to analyze as many auto insurance providers as possible. Doing this guarantees a fair rate comparison and a complete rate analysis.
If you are paying for car insurance now, you will definitely be able to cut your premiums using this information. Finding affordable coverage in Newark is much easier if you know where to start. Nevertheless, New Jersey drivers must learn how companies sell online because it can help you find the best coverage.
To find more affordable quotes, there are a couple of ways of comparing rates from lots of New Jersey insurance companies. The quickest method to lower the rate you pay for insurance consists of shopping online.
Comparison shopping rates online is easy and it makes it obsolete to drive to different Newark agent offices. Comparing Mitsubishi Mirage insurance rate quotes online has reduced the need for local agents unless you require the extra assistance that only a licensed agent can provide. If you prefer, some companies allow you to find lower rates online but still have the advice of a local agent. When comparison shopping, making a lot of price comparisons increases the chance that you will find the best rates.
The providers in the list below are our best choices to provide quotes in Newark, NJ. If you wish to find cheaper car insurance in Newark, we suggest you click on several of them to get a more complete price comparison.
Get discounts on Newark auto insurance
Insurance can be prohibitively expensive, but discounts can save money and there are some available to cut the cost considerably. A few discounts will automatically apply when you get a quote, but a few need to be manually applied prior to getting the savings.
- Telematics Data Discounts – Drivers who elect to allow driving data collection to look at vehicle usage by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might see lower rates as long as they are good drivers.
- Multi-car Discount – Drivers who insure more than one vehicle with the same auto insurance company can reduce rates for all insured vehicles.
- Drive Less and Save – Low annual miles can earn lower premium rates on the low mileage vehicles.
- 55 and Retired – Drivers that qualify as senior citizens may qualify for a small decrease in premiums.
- No Claims – Drivers who don’t have accidents have much lower rates in comparison to frequent claim filers.
You should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think you could get a free auto insurance policy, you aren’t that lucky.
Large auto insurance companies and some of their more popular discounts are outlined below.
- GEICO has savings for multi-policy, air bags, driver training, seat belt use, anti-lock brakes, anti-theft, and federal employee.
- SAFECO includes discounts for anti-theft, teen safety rewards, bundle discounts, anti-lock brakes, drive less, and accident prevention training.
- State Farm may include discounts for accident-free, multiple policy, Drive Safe & Save, defensive driving training, good driver, safe vehicle, and anti-theft.
- MetLife may offer discounts for defensive driver, good student, accident-free, claim-free, multi-policy, good driver
- 21st Century offers discounts including driver training, homeowners, student driver, teen driver, automatic seat belts, and theft prevention.
- Progressive offers premium reductions for online quote discount, good student, multi-policy, continuous coverage, and multi-vehicle.
When getting free Newark car insurance quotes, it’s a good idea to all companies you are considering how many discounts you can get. Depending on the company, some discounts might not be available to policyholders in Newark. To see providers that offer multiple discounts in Newark, follow this link.
Protect more than your Mitsubishi vehicle
Even though it can be expensive, insuring your vehicle is not optional due to several reasons.
- The majority of states have minimum liability requirements which means you are required to buy specific limits of liability coverage in order to drive the car. 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 have a lien on your Mirage, most lenders will require that you carry insurance to guarantee loan repayment. If you do not keep the policy in force, the lender may insure your Mitsubishi at a significantly higher premium and require you to reimburse them for it.
- Insurance safeguards not only your Mitsubishi but also your financial assets. Insurance will also pay for most medical and hospital costs that are the result of an accident. Liability coverage will also pay attorney fees if you are sued as the result of an accident. If you have damage to your Mitsubishi as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.
The benefits of having auto insurance more than offset the price you pay, particularly for liability claims. An average driver in America overpays more than $820 a year so you should quote rates at every policy renewal to save money.
Which car insurance company is best in Newark?
Picking the highest-rated company can be challenging considering how many companies are available to choose from in New Jersey. The company rank data in the lists below may help you analyze which auto insurance companies to look at when comparing rate quotes.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Mercury Insurance | 87 | 96 | 100 | 87% | A+ | 93.4 |
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| 21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
| Nationwide | 71 | 90 | 93 | 83% | A+ | 84.9 |
| Allstate | 69 | 92 | 92 | 83% | A+ | 84.4 |
| American Family | 77 | 96 | 80 | 85% | A | 83.8 |
| Esurance | 70 | 80 | 89 | 77% | A+ | 79.2 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
How do I know if I need professional advice?
When it comes to choosing insurance from an agent or online for your personal vehicles, there really is not a cookie cutter policy. Every situation is different.
For example, these questions might help in determining if you could use an agent’s help.
- Will I be non-renewed for getting a DUI or other conviction?
- What if I don’t agree with a claim settlement offer?
- Am I covered if I wreck a rental car?
- Will filing a claim cost me more?
- Does my Mitsubishi Mirage qualify for pleasure use?
- Are my friends covered when driving my Mitsubishi Mirage?
- Who sells insurance for high-risk drivers?
- Will my Mitsubishi Mirage be repaired with OEM or aftermarket parts?
If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form.
What if I want to buy from local Newark auto insurance agents?
Some people would prefer to buy from a licensed agent and that is OK! The best thing about getting free rate quotes online is that drivers can save money and get better rates but also keep your business local. And buying from neighborhood insurance agencies is definitely important in Newark.
For easy comparison, once you complete this simple form, the quote information is sent to agents in your area who will give competitive quotes and help you find cheaper coverage. It’s much easier because you don’t need to find an agent as quotes are delivered to the email address you provide. You can most likely find cheaper rates and work with a local agent. If you have a need to get a rate quote for a specific company, feel free to find their quoting web page and complete a quote there.
Not all auto insurance agents are the same
If you want to use a reliable insurance agent, it’s important to understand the types of agencies that you can choose from. Insurance agents can be classified as either exclusive or independent.
Independent Insurance Agencies
Agents that elect to be independent are normally appointed by many insurers and that gives them the ability to insure through many companies enabling the ability to shop coverage around. If you are not satisfied with one company, they can switch companies in-house which requires no work on your part. When comparing rate quotes, you should always get some free quotes from multiple independent agents in order to compare the most rates.
Listed below are independent insurance agents in Newark who may provide pricing information.
George H Nixon Agency
54 Grumman Ave – Newark, NJ 07112 – (973) 923-3721 – View Map
Monak Insurance
583 Central Ave – Newark, NJ 07107 – (973) 350-7850 – View Map
Newark Cheaper Auto Insurance
11 Mulberry St – Newark, NJ 07102 – (206) 337-9544 – View Map
Exclusive Agents
Agents in the exclusive channel can only provide pricing for a single company like AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot compare other company’s rates so they really need to provide good service. Exclusive agents receive extensive training in insurance sales which helps them compete with independent agents.
Listed below are Newark exclusive insurance agents who can help you get rate quotes.
State Farm: Greg Daniels
681 1/2 Mt Prospect Ave – Newark, NJ 07104 – (973) 484-5772 – View Map
State Farm: Zanetta Glover
570 Broad St #114 – Newark, NJ 07102 – (973) 648-0699 – View Map
State Farm Insurance
360 Chestnut St – Newark, NJ 07105 – (800) 701-5909 – View Map
Choosing an insurance agent should depend on more than just the premium amount. Any agent in Newark should be willing to answer these questions.
- Which companies do they recommend if they are an independent agency?
- Are they actively involved in the community?
- Do they specialize in personal lines coverage in Newark?
- If your car is in the repair shop, do you have coverage for a rental car?
- Who is covered by the car insurance policy?
- Can you choose the body shop in case repairs are needed?
- Does the agent have a valid license to sell insurance in New Jersey?
Parts of your insurance policy
Knowing the specifics of insurance can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.
Comprehensive insurance
Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as rock chips in glass, theft, a tree branch falling on your vehicle, fire damage and hitting a bird. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as surgery, EMT expenses, X-ray expenses and hospital visits. They are used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Auto liability insurance
Liability insurance provides protection from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 15/30/5 that means you have $15,000 in coverage for each person’s injuries, a limit of $30,000 in injury protection per accident, and a total limit of $5,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage protects against claims like medical services, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford. New Jersey requires minimum liability limits of 15/30/5 but it’s recommended drivers buy better liability coverage.
The next chart shows why buying low liability limits may not be high enough to adequately cover claims.
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Mitsubishi Mirage.
Since many New Jersey drivers carry very low liability coverage limits (which is 15/30/5), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Auto collision coverage
This coverage will pay to fix damage to your Mirage from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as backing into a parked car, hitting a mailbox, crashing into a ditch, colliding with a tree and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible on your Mirage in order to get cheaper collision rates.