Want a free price quotes on more competitive auto insurance rates in Jersey City, NJ? Jersey City consumers have many options when looking for affordable Volkswagen Golf insurance. They can either waste time struggling with agents to compare prices or utilize the internet to find the lowest rates. There is a right way and a wrong way to shop for auto insurance so you're going to learn the best way to quote coverages for your Volkswagen and obtain the best price possible.
It's a great practice to do price comparisons as often as possible because insurance rates change regularly. Just because you found the best premium rates on Volkswagen Golf insurance in Jersey City on your last policy other companies may now be cheaper. Block out anything you think you know about auto insurance because we're going to demonstrate the fastest way to eliminate unnecessary coverages and save money on Volkswagen Golf insurance in Jersey City.
Getting a cheaper price on Volkswagen Golf insurance is an easy way to save money. The only requirement is to invest a little time to compare rates online with multiple companies.
The following companies are ready to provide free rate quotes in Jersey City, NJ. If multiple companies are listed, we suggest you get rate quotes from several of them to find the most competitive auto insurance rates.
Verify you're applying every discount
Car insurance companies do not advertise every discount very clearly, so the next list breaks down a few of the more well known as well as some of the hidden insurance savings.
- Low Mileage Discounts - Low annual miles can earn slightly better premium rates than normal.
- Professional Organizations - Participating in qualifying clubs or civic groups may earn a discount when getting a Jersey City auto insurance quote.
- Telematics Discount - Insureds that choose to allow driving data submission to spy on vehicle usage by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate's Drivewise system may get a rate reduction if they show good driving skills.
- Government Employee Discount - Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.
- Mature Driver Discount - If you qualify as a senior citizen, you can get a discount up to 10%.
- College Student Discount - Any of your kids who are enrolled in higher education away from home and leave their car at home could get you a discount.
- Good Students Pay Less - Getting good grades can get you a discount of up to 25%. The good student discount can last until age 25.
Discounts save money, but please remember that some of the credits will not apply to your bottom line cost. Most only cut the cost of specific coverages such as collision or personal injury protection. Even though the math looks like you would end up receiving a 100% discount, it's just not the way it works.
The diagram below illustrates the difference between Volkswagen Golf insurance rates with and without discounts applied to the premium. The prices are based on a male driver, a clean driving record, no claims, New Jersey state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-policy, claim-free, multi-car, and safe-driver discounts applied.
To see insurance companies who offer online Volkswagen Golf insurance quotes in New Jersey, click here.
Rates and information analytics
The information displayed below highlights a range of insurance premium costs for Volkswagen Golf models. Being more informed about how car insurance premiums are formulated can assist in making informed decisions when comparing rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Golf 2.5 2-Dr Hatchback||$318||$730||$452||$26||$136||$1,662||$139|
|Golf 2.5 4-Dr Hatchback||$360||$730||$452||$26||$136||$1,704||$142|
|Golf 2.0T Turbo Diesel 2-Dr Hatchback||$360||$840||$452||$26||$136||$1,814||$151|
|Golf 2.0T Turbo Diesel 4-Dr Hatchback||$360||$730||$452||$26||$136||$1,704||$142|
|Get Your Own Custom Quote Go|
Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rates do not factor in specific Jersey City garaging location which can change premium rates significantly.
The chart below shows how different deductible levels and can raise or lower Volkswagen Golf insurance prices for different age groups. The prices are based on a single male driver, full physical damage coverage, and no discounts are factored in.
Auto insurance cost for men versus women
The example below shows the comparison of Volkswagen Golf insurance rates for male and female drivers. The premium estimates are based on no accidents, no driving violations, comp and collision included, $500 deductibles, drivers are single, and no other discounts are factored in.
When to get advice from an insurance agency
A lot of people would rather have an agent's advice and that is recommended in a lot of cases Experienced insurance agents can point out coverage gaps and help file insurance claims. A nice benefit of getting online price quotes is that drivers can save money and get cheap car insurance rates but still work with a licensed agent.
To make it easy to find an agent, after completing this form (opens in new window), the quote information gets sent to companies in Jersey City that give free quotes to get your business. It simplifies rate comparisons since you won't have to search for any insurance agencies because prices are sent immediately to your email address. If you want to get a comparison quote for a specific company, don't hesitate to search and find their rate quote page and fill out their quote form.
Finding the right insurance company should depend on more than just the premium amount. Here are some questions you might want to ask.
- What are their preferred companies if they are an independent agency?
- Does the agency have a current Errors and Omissions policy?
- Are they paid to recommend certain coverages?
- Do the agents have professional certifications like CPCU or CIC?
- If you are a high risk driver, do they have special markets for your coverage?
- Will they make sure you get an adequate claim settlement?
- Which insurance company do they prefer to write with?
Is an exclusive or independent car insurance agent right for you?
When finding a reputable agency, it can be helpful to understand the types of insurance agents that differ in how they can insure your vehicles. Car insurance agents in Jersey City are either independent (non-exclusive) or exclusive. Either type can handle car insurance, but it's important to point out how they are different because it may have an impact on which agent you choose.
Agents in the exclusive channel can only place business with one company such as State Farm, Allstate and AAA. These agents are not able to place coverage with different providers so if the price isn't competitive there isn't much they can do. Exclusive insurance agents receive extensive training on their company's products which helps them sell insurance even at higher premiums. Consumers sometimes buy from the same agent for years primarily because of the brand name rather than having low rates.
Below are exclusive insurance agents in Jersey City who can help you get rate quotes.
- State Farm Insurance - Freddy Duran
1025 Summit Ave - Jersey City, NJ 07307 - (201) 604-3874 - View Map
- Alberto Santana - State Farm Insurance Agent
1755 John F. Kennedy Blvd - Jersey City, NJ 07305 - (201) 332-3344 - View Map
- Hemant Jiwnani - State Farm Insurance Agent
2770 John F Kennedy Blvd, FL-1 - Jersey City, NJ 07306 - (201) 653-1770 - View Map
Independent Car Insurance Agents
These agents do not work for one specific company and that gives them the ability to insure through lots of different companies and find the cheapest rate. If they find a cheaper price, they simply switch companies in-house and that require little work on your part.
If you need lower rates, it's recommended you get rate quotes from independent agents to maximize your price options. Many independent agencies also insure through different regional companies that may provide cheaper car insurance rates.
The following are Jersey City independent agents that are able to give rate quotes.
- Lou Schloss Agency Inc
31 River Ct - Jersey City, NJ 07310 - (201) 626-7589 - View Map
- Express Insurance
775 Newark Ave - Jersey City, NJ 07306 - (201) 217-1780 - View Map
- GIM Agency Services Inc
263 Central Ave - Jersey City, NJ 07307 - (201) 792-4188 - View Map
After you get positive feedback to these questions as well as offering an affordable quote, it's possible that you found an insurance agent that meets your needs to insure your vehicles.
Auto insurance just makes sense
Despite the high cost of buying insurance for a Volkswagen Golf in Jersey City, paying for auto insurance may be required for several reasons.
First, just about all states have mandatory liability insurance requirements which means you are required to buy a specific level of liability in order to license the vehicle. 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.
Second, if you have a lien on your Volkswagen Golf, most banks will make it a condition of the loan that you have comprehensive coverage to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the bank may insure your Volkswagen at a significantly higher premium and require you to reimburse them for the much more expensive policy.
Third, auto insurance preserves your vehicle and your assets. It will also pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if you are sued as the result of your driving. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to repair the damage.
The benefits of carrying enough insurance outweigh the cost, especially if you ever need it. The average driver in New Jersey is currently overpaying as much as $750 every year so it's important to compare rates at every policy renewal to save money.
Auto insurance coverage breakdown
Understanding the coverages of auto insurance can help you determine the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.
Comprehensive coverage - Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like rock chips in glass, damage from a tornado or hurricane, vandalism and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.
Liability auto insurance - This protects you from damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against other people's claims, and does not provide coverage for your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 15/30/5 that translate to a limit of $15,000 per injured person, $30,000 for the entire accident, and $5,000 of coverage for damaged property.
Liability coverage protects against things such as pain and suffering, structural damage, medical services and medical expenses. How much liability should you purchase? That is up to you, but buy as large an amount as possible. New Jersey state law requires minimum liability limits of 15/30/5 but it's recommended drivers buy more liability than the minimum.
The next chart demonstrates why the minimum limit may not be adequate.
Medical payments coverage and PIP - Coverage for medical payments and/or PIP provide coverage for immediate expenses for pain medications, dental work, prosthetic devices, surgery and nursing services. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay
Collision coverage - This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as damaging your car on a curb, sustaining damage from a pot hole, backing into a parked car, colliding with another moving vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also choose a higher deductible on your Golf in order to get cheaper collision rates.
Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle's damage.
Due to the fact that many New Jersey drivers carry very low liability coverage limits (15/30/5), it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.
More comparisons equals affordable rates
We covered many ideas to shop for Volkswagen Golf insurance online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even be surprised to find that the biggest savings come from a smaller regional carrier.
As you prepare to switch companies, you should never buy poor coverage just to save money. In many instances, an accident victim reduced liability limits or collision coverage and discovered at claim time that it was a big error on their part. Your objective should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.
Drivers who switch companies do it for any number of reasons including policy cancellation, extreme rates for teen drivers, lack of trust in their agent and delays in paying claims. It doesn't matter why you want to switch choosing a new company is pretty simple and you could end up saving a buck or two.
How to quote cheaper Volkswagen Golf insurance in Jersey City
To save the most money, the best way to save money on Volkswagen Golf insurance in Jersey City is to do a yearly price comparison from insurers who provide auto insurance in New Jersey.
First, spend some time learning about the different coverages in a policy and the changes you can make to keep rates low. Many factors that result in higher rates like traffic violations and a poor credit score can be improved by being financially responsible and driving safely.
Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from a single company like GEICO and Allstate, while independent agents can quote prices from multiple sources.
Third, compare the new quotes to your current policy premium and see if you can save money. If you find a lower rate and make a switch, verify that coverage does not lapse between policies.
A good piece of advice is to make sure you're comparing the same coverage limits and deductibles on each price quote and and to analyze every company you can. This helps ensure a fair rate comparison and a complete rate analysis.
Helpful learning opportunities
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- What Auto Insurance is Cheapest for a Honda Accord in Jersey City? (FAQ)
- Who Has Affordable Jersey City Car Insurance Rates for Business Use? (FAQ)
- Who Has Cheap Auto Insurance for a Honda CR-V in Jersey City? (FAQ)
- What is Covered by GAP Insurance? (Allstate)
- Liability Insurance Coverage (Nationwide)
- Auto Crash Statistics (Insurance Information Institute)
- Tread Depth and Tire Safety (State Farm)