Having to pay for high-priced auto insurance in Newark can stress out your budget and force you to prioritize other expenses. Comparing cost estimates is a smart way to make sure you're not throwing money away.

Astonishing but true according to a recent study, most auto insurance customers kept buying from the same company for four years or more, and almost half have never even shopped around for cheaper coverage. Many drivers in Newark could cut their rates by roughly 55% a year, but they don't believe the large savings they would see if they swap their current policy for a cheaper one. You have so many car insurance companies to buy insurance from, and though it is a good thing to have a selection, it makes it harder to locate the cheapest rates.

It's important to compare prices every six months due to the fact that insurance prices tend to go up over time. Just because you found the best deal on auto insurance a year ago you can probably find a better rate quote now. Ignore everything you know about auto insurance because you're about to learn one of the quickest ways to save money, get proper coverage and the best rates.

Comparison shopping for the cheapest policy in Newark is not that difficult. If you're already insured or want to find a cheaper company, use these cost-cutting techniques to get lower rates and still have adequate protection. Comparison shoppers just have to know the tricks to compare different rates from many companies at once.

Verify you're receiving every discount

Companies offering auto insurance don't always advertise every discount very clearly, so the following list contains a few of the more well known and also the more inconspicuous ways to save on auto insurance.Save money with discounts

While discounts sound great, it's important to understand that most discount credits are not given to the entire cost. Most cut individual premiums such as medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, companies don't profit that way.

A list of auto insurance companies and a selection of discounts are outlined below.

It's a good idea to ask each company which discounts can lower your rates. Some of the earlier mentioned discounts may not be offered everywhere. To see insurance companies that offer multiple discounts in Newark, click this link.

The quickest way to compare insurance rates from multiple companies is to realize all the major auto insurance companies have advanced systems to provide you with free rate quotes. To start a quote, the only thing you need to do is give them some information like if the vehicle is leased, your general credit rating, your education level, and if your license is active. That rating data is then sent to many highly-rated insurers and you should receive rate quotes immediately.

To start a quote now, click here and enter your zip code.

The providers in the list below are our best choices to provide price quotes in Ohio. If multiple companies are shown, it's a good idea that you visit as many as you can in order to get a fair rate comparison.

Insurance Rate Estimates for Popular Vehicles in Newark
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LTZ Crew Cab 4WD $836 $418 $70
Dodge Ram Crew Cab SLT 4WD $782 $391 $65
Ford Escape XLT 4WD $696 $348 $58
Ford F-150 XLT Regular Cab 2WD $622 $311 $52
Ford Focus SE 4-Dr Sedan $950 $475 $79
Ford Fusion S 4-Dr Sedan $802 $401 $67
Honda Accord LX 4-Dr Sedan $582 $291 $49
Honda CR-V EX-L 2WD $784 $392 $65
Honda Civic EX-L 2-Dr Coupe $1,002 $501 $84
Hyundai Elantra SE 4-Dr Sedan $634 $317 $53
Jeep Grand Cherokee Laredo 2WD $716 $358 $60
Jeep Wrangler Sahara 4WD 2-Dr $568 $284 $47
Kia Optima EX $906 $453 $76
Nissan Altima 2.5 S 2-Dr Coupe $698 $349 $58
Toyota Camry LE $600 $300 $50
Toyota Corolla S $798 $399 $67
Toyota RAV4 4WD $788 $394 $66
Get Your Own Custom Quote Go

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Prices do not factor in specific garaging location which can alter auto insurance rates substantially.

Safe drivers pay less for car insurance

The information below shows how speeding tickets and at-fault claims can raise Toyota Corolla insurance costs for different age groups of insureds. The costs are based on a married female driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.

Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.

How do I know if I need professional advice?

When buying coverage for your personal vehicles, there is no single plan that fits everyone. Every insured's situation is different.Higher deductibles save money

These are some specific questions may help you determine if your situation may require specific advice.

If it's difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

What if I want to buy from local Newark auto insurance agents?

Certain consumers still prefer to get advice from a local agent and that is recommended in a lot of cases Good insurance agents can make sure you are properly covered and help file insurance claims. A good thing about comparing rate quotes online is you may find the lowest rates but also keep your business local. Putting coverage with neighborhood agents is still important in Newark.

To find an agent, once you fill out this quick form, your coverage information is transmitted to companies in Newark that give free quotes for your insurance coverage. You never need to leave your house since price quotes are sent directly to your email. In the event you want to get a comparison quote from a particular provider, you would need to go to their quote page and give them your coverage information.

Choosing an company shouldn't rely on just a cheap price. Here are some questions to ask:

Auto insurance claim statistics

Are you driving a vehicle that ranks high in claims? The tables below list the highest and lowest vehicle makes and models for the overall chance of filing claims for each type of coverage listed.

Collision Insurance Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Maserati Granturismo
Ford F-250 SuperCab Bently Continental GTC
Ford Edge BMW M6
Ford F-150 SuperCrew Bentley Continental Flying Spur
Mini Cooper Ferrari 458
Smart ForTwo BMW 6 Series

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

Lowest and Highest Car Insurance Medical Payment Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Ford F-350 SuperCrew Dodge Charger
Tesla Model S Mitsubishi Lancer
Chevrolet Silverado 3500 Nissan Sentra
Chevrolet Silverado 2500 Nissan Versa
Land Rover Range Rover Sport Hyundai Accent
Chevrolet Corvette Chrysler 200

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

Auto Insurance Comprehensive Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Infiniti QX50 Audi S7
Volvo V60 Bentley Continental GTC
Smart ForTwo Porsche Panamera GTS
Nissan Leaf Mercedes-Benz S Class
Nissan Xterra Bentley Continental GT
Chevy Silverado 2500 BMW M6

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

Lowest and Highest Car Insurance Liability Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Audi A6 Chevrolet Impala
Subaru Forester Dodge Charger
Chevrolet Corvette Mitsubishi Lancer
Acura MDX Kia Rio
Subaru Outback Chrysler 200
Mercedes-Benz SL Class Chevrolet Sonic

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

Be persistent to save money

Some insurance companies may not offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents. The cheapest insurance in Newark is possible on the web in addition to many Newark insurance agents, so you need to compare both to have the best selection.

We've covered a lot of techniques to reduce insurance rates online in Newark. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may even be surprised to find that the best price on insurance is with a smaller regional carrier.

Consumers switch companies for a variety of reasons including policy non-renewal, delays in responding to claim requests, poor customer service and even extreme rates for teen drivers. Whatever your reason, finding a great new company can be pretty painless.

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