Affordable Jersey City Auto Insurance

Finding cheaper car insurance in Jersey City should be a priorty for all drivers, because chances are good that you are currently overpaying. Statistics show that drivers who regularly compare rates and shop for a cheaper price pay an average of over $800 less per year for coverage.

Car insurance rate comparisons can be easily made by completing the following steps:

  1. Spend some time learning about how companies set rates and the factors you can control to drop your rates. Many things that cause rate increases such as traffic violations and a less-than-favorable credit rating can be controlled by making minor driving habit or lifestyle changes.
  2. Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from one company like GEICO or State Farm, while independent agents can quote rates from multiple insurance companies.
  3. Compare the new rate quotes to your existing rates and determine if cheaper coverage is available. If you find a lower rate quote and switch companies, make sure there is no coverage gap between policies.

A good tip to remember is that you’ll want to make sure you compare identical coverages on each price quote and and to get rate quotes from as many companies as feasibly possible. This enables a level playing field and the best price selection.

Insurance rates in Jersey City are dependent upon a lot of factors, and one of the largest factors is the make and model of vehicle. The rate table below details price estimates for the most popular vehicles sold in Jersey City.

Auto Insurance Rates for Popular Vehicles in Jersey City
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Equinox LS AWD $1,620 $810 $135
Chevrolet Silverado LTZ Extended Cab 4WD $1,768 $884 $147
Dodge Ram Crew Cab SLT 4WD $1,898 $949 $158
Ford Escape Limited 2WD $1,406 $703 $117
Ford F-150 XLT Regular Cab 2WD $1,468 $734 $122
Ford Focus SES 2-Dr Coupe $1,816 $908 $151
Honda Accord EX-L 4-Dr Sedan $1,516 $758 $126
Honda CR-V EX-L 2WD $1,406 $703 $117
Honda Civic LX 2-Dr Coupe $1,966 $983 $164
Honda Odyssey EX $1,578 $789 $132
Jeep Grand Cherokee Laredo 2WD $1,620 $810 $135
Mazda 3 I SV 4-Dr Sedan $1,620 $810 $135
Nissan Altima Hybrid 4-Dr Sedan $1,768 $884 $147
Toyota Camry SE $1,728 $864 $144
Toyota Corolla XRS $1,768 $884 $147
Volkswagen Jetta SE 4-Dr Sedan $1,768 $884 $147
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Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Premium amounts do not factor in Jersey City location which can lower or raise coverage prices noticeably.

How traffic violations and accidents affect car insurance rates

Keeping a clean driving record and being a safe driver goes a long ways to reducing car insurance costs. Even a single ticket or at-fault accident can cause rates to skyrocket.

The example below demonstrates how speeding tickets and at-fault claims can drive up insurance costs for different insured age categories. The rate quotes are based on a married female driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.