Auto Insurance Rate Quotes in Jersey City

Truthfully, the best way to find cheaper prices for auto insurance rates in Jersey City is to make a habit of regularly comparing prices from providers who sell auto insurance in New Jersey. This can be done by completing these steps.

  1. Read and learn about how auto insurance works and the things you can change to prevent expensive coverage. Many policy risk factors that drive up the price like multiple speeding tickets and a less-than-favorable credit rating can be remedied by making minor changes in your lifestyle. Keep reading for information to prevent high prices and find additional discounts.
  2. Request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from a single company like GEICO or Allstate, while independent agencies can provide price quotes from multiple insurance companies.
  3. Compare the new rate quotes to your existing policy and see if you can save money. If you can save money and decide to switch, ensure coverage does not lapse between policies.

A key point to remember is to try to use the same physical damage deductibles and liability limits on every price quote and to quote with as many carriers as you can. Doing this enables an apples-to-apples comparison and a better comparison of the market.

It's a fact that auto insurance companies want to keep you from shopping around. People who get comparison quotes at least once a year are likely to buy a new policy because the odds are good of finding lower prices. Surprisingly, a recent survey revealed that people who routinely compared quotes saved over $850 each year as compared to drivers who never shopped around for cheaper prices.

If finding the lowest price on insurance in Jersey City is the reason you're here, then having an understanding of how to find companies and compare insurance rates can save time, money, and frustration.

It's important to know that more quotes will enable you to find more affordable insurance. Some smaller insurers do not give online rate quotes, so it's necessary to compare rates on coverage from those companies, too.

The car insurance companies shown below offer free rate quotes in New Jersey. If you want the best cheap auto insurance in NJ, we suggest you click on several of them to get the best price comparison.

Insurance Rates for Popular Vehicles in Jersey City
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado Crew Cab Hybrid 2WD $1,838 $919 $153
Dodge Ram Crew Cab Laramie 4WD $1,968 $984 $164
Ford Escape Limited 2WD $1,382 $691 $115
Ford Explorer XLT 2WD $1,486 $743 $124
Ford F-150 Lariat Super Cab 2WD $1,632 $816 $136
Ford Focus SES 2-Dr Coupe $1,778 $889 $148
GMC Sierra SLE Crew Cab 4WD $1,734 $867 $145
Honda Accord EX-L 4-Dr Sedan $1,484 $742 $124
Honda CR-V EX-L 2WD $1,382 $691 $115
Honda Civic EX-L 2-Dr Coupe $1,960 $980 $163
Kia Optima EX $1,822 $911 $152
Nissan Altima 3.5 SR 2-Dr Coupe $1,926 $963 $161
Nissan Rogue S AWD $1,676 $838 $140
Toyota Camry XLE $1,690 $845 $141
Toyota Corolla XLE $1,690 $845 $141
Toyota RAV4 Limited 2WD $1,588 $794 $132
Toyota Tacoma 2WD $1,544 $772 $129
Volkswagen Jetta 2.0T Station Wagon $1,630 $815 $136
Get Rate Quotes for Your Vehicle Go

Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Premium costs do not factor in specific garaging location which can modify prices substantially.

Three reasons auto insurance is important

Despite the high cost, maintaining insurance is required for several reasons.

  • The majority of states have minimum liability requirements which means the state requires a specific level of liability insurance in order to get the vehicle licensed. 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 loan on your vehicle, most banks will have a requirement that you have physical damage coverage to protect their interest in the vehicle. If coverage lapses or is canceled, the bank or lender will purchase a policy for your vehicle at a much higher rate and force you to reimburse them much more than you were paying before.
  • Insurance safeguards both your vehicle and your personal assets. It will also provide coverage for hospital and medical expenses that are the result of an accident. One policy coverage, liability insurance, will also pay for a defense attorney if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of insuring your car greatly outweigh the cost, especially if you ever need it. According to a survey of 1,000 drivers, the average driver overpays more than $865 each year so you should quote rates each time the policy renews to ensure rates are competitive.

How to lower your insurance premiums

When buying insurance it's important to understand a few of the rating criteria that help calculate your insurance rates. If you understand what impacts premium levels, this empowers consumers to make smart changes that may result in big savings. Lots of factors are used when you quote your car insurance policy. Most are fairly basic like your driving record, although some other factors are more transparent like where you live or how safe your car is.

Listed below are a few of the "ingredients" insurance companies consider when setting your prices.

  • Don't buy add-on coverages that may not be needed - There are a ton of additional coverages you can purchase on your insurance policy. Coverage for things like vanishing deductibles, high-cost glass coverage, and Farm Bureau memberships may not be needed and are just wasting money. These coverages may sound good when discussing your needs, but if they're wasting money consider taking them off your policy.
  • Do you know your comp and collision deductibles? - Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some examples of claims that would be covered would be a windshield shattered by a rock, vandalism, and damage caused by flying debris. Comp and collision deductibles represent how much money you are required to pay before a claim is paid by your company. The more money you pay before a claim is paid (deductible), the lower your rates will be.
  • Tickets inflate rates - Even a single moving violation can boost insurance rates substantially. Attentive drivers receive lower rates compared to bad drivers. Drivers who get license-revoking tickets like DUI, reckless driving or excessive speeding are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to legally drive.
  • Rates may be higher where you live - Being located in smaller towns and rural areas of the country can be a good thing when buying insurance. Drivers who live in large cities have to deal with more road rage incidents and much longer commute distances. Fewer drivers and short commutes corresponds to lower accident rates.
  • Your gender affects rates - Statistics have proven women tend to be less risk to insure than men. The data does not necessarily mean that females are better at driving than males. Men and women are responsible for at-fault accidents in similar percentages, but the men cause more damage and cost insurance companies more money. They also receive more major tickets like DUI and reckless driving.
  • Too many claims will drive prices up - If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance companies in New Jersey generally give lower rates to insureds who do not rely on their insurance for small claims. Your car insurance is intended to be relied upon for claims that pose a financial burden.
  • Insurance is expensive for younger drivers - Older, more experienced drivers are more cautious drivers, cause fewer claims and accidents, and are safer drivers. Young drivers are proven to be easily distracted when driving so they pay higher insurance rates.

Discount Jersey City car insurance rates

Car insurance is not an enjoyable expense, but there are discounts available to help bring down the price. Many of these discounts will be applied automatically when you get a quote, but a few need to be specifically requested before you will receive the discount. If you don't get every credit you deserve, you are throwing money away.Save money with discounts

  • Onboard Data Collection - Insureds that choose to allow their car insurance company to monitor driving manner by using a telematics device in their vehicle like In-Drive from State Farm and Progressive's Snapshot may see discounts if they show good driving skills.
  • Good Grades Discount - Excelling in school can earn a discount of 20% or more. Most companies allow this discount up to age 25.
  • Air Bags and Passive Restraints - Cars that have air bags or automatic seat belts can qualify for discounts of 20% or more.
  • ABS and Traction Control Discounts - Cars and trucks with ABS and/or traction control are much safer to drive and the ABS can save up to 10%.
  • Bundle and Save - If you can bundle your auto and home insurance and insure them both with the same insurance company you could save nearly 15% which can help you find affordable Jersey City car insurance.
  • Student Driver Training - Have your child complete a driver education course if it's offered in school.
  • Seat Belts Save - Forcing all vehicle occupants to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Theft Prevention Discount - Cars, trucks, and SUVs optioned with advanced anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Federal Employees - Federal government employees could provide a small rate reduction but check with your company.
  • Senior Citizen Rates - Mature drivers could receive better car insurance rates.

Just know that some credits don't apply to the entire cost. Most only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think all those discounts means the company will pay you, that's just not realistic.

Some of the insurance companies that have these benefits include:

If you are trying to find inexpensive Jersey City car insurance quotes, ask all the companies the best way to save money. Savings might not be offered on policies everywhere. If you would like to choose from a list of companies that offer some of these discounts in New Jersey, click here to view.

Auto insurance quotes from local Jersey City insurance agencies

A small number of people still like to go talk to an agent and that is just fine! One of the best bonuses of price shopping on the web is that drivers can save money and get cheap auto insurance quotes and still choose a local agent.

Insurance agency in Jersey CityTo help locate an agent, after submitting this quick form, your information is immediately sent to participating agents in Jersey City who will return price quotes to get your business. There is no need to do any legwork as quotes are delivered instantly to you. You'll get the best rates and work with a local agent. If you wish to get a comparison quote from a specific auto insurance provider, feel free to go to their quote page and fill out their quote form.

Choosing an provider shouldn't rely on just the premium amount. Some important questions to ask are:

  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Has the agent ever had any license suspensions?
  • Do they get paid more for recommending certain coverages?
  • Do they specialize in personal lines auto insurance in Jersey City?
  • Do they have cheaper tiers of coverage?
  • What insurance company do they write the most business with?
  • How will an accident affect your rates?
  • Did they already check your driving record and credit reports?

How to choose the best car insurance agent in Jersey City

If you want to buy auto insurance from a local insurance agency, you should know the types of agencies and how they operate. Agents in Jersey City can either be independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agencies

Agents in the exclusive channel work for only one company and examples are Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot give you multiple price quotes so it's a take it or leave it situation. Exclusive agents receive a lot of sales training on sales techniques which helps offset the inability to provide other markets.

The following are exclusive agencies in Jersey City willing to provide price quote information.

688 NJ-440 - Jersey City, NJ 07305 - (201) 209-0290 - View Map

86 NJ-35 - Neptune City, NJ 07753 - (732) 776-9999 - View Map

1025 Summit Ave - Jersey City, NJ 07307 - (201) 604-3874 - View Map

View more Jersey City agents

Independent Auto Insurance Agents

Agents that elect to be independent can sell policies from many different companies and that is an advantage because they can write policies through many different auto insurance companies and get the cheapest rates. To transfer your coverage to a different company, the agent simply finds a different carrier without you having to go to a different agency.

When searching for an agent, it's a good idea to get insurance quotes from a couple of independent agencies for maximum quote selection.

Listed below are independent insurance agents in Jersey City that can give you price quotes.

Lou Schloss Agency Inc
31 River Ct - Jersey City, NJ 07310 - (201) 626-7589 - View Map

300 Exchange Pl - Jersey City, NJ 07311 - (201) 743-4000 - View Map

JFK Insurance Agency
746 Bergen Ave - Jersey City, NJ 07306 - (908) 425-1544 - View Map

View more Jersey City agents

Auto insurance claims by make and model

Which vehicle models have a high chance of claims? The statistics tables below show the worst and best makes and models for the overall chance of having to file claims for each type of coverage listed.

Vehicle Models with the Lowest and Highest Bodily Injury Liability Claims
Lowest Claims Highest Claims
Chevrolet Corvette Chrysler 200
Mercedes-Benz SL Class Dodge Charger
Audi A6 Chevrolet Impala
Fiat 500 Chevrolet Cruze
Volvo XC60 Mitsubishi Lancer
Subaru Forester Chevrolet Sonic

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

Comprehensive Claims by Manufacturer Model
Lowest Claims Highest Claims
GMC Sierra 2500 Bentley Continental GT
Smart ForTwo Maserati Quattroporte
Ford F-350 Bentley Continental GTC
Nissan Xterra BMW M6
Chevy Spark Maserati Granturismo
Infiniti QX50 Audi S7

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

Vehicle Make and Models with the Lowest and Highest Medical Payment Coverage Claims
Lowest Claims Highest Claims
Ford F-350 SuperCrew Chrysler 200
Ford Expedition Chevrolet Spark
Chevrolet Silverado 2500 Chevrolet Sonic
Chevrolet Silverado 3500 Mitsubishi Lancer
Audi A4 Allroad Dodge Charger
Tesla Model S Hyundai Accent

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

Collision Coverage Claims by Manufacturer Model
Lowest Claims Highest Claims
Ford Edge Nissan GT-R
Ford F-150 SuperCrew BMW 6 Series
Nissan Xterra Bently Continental GT
Jeep Wrangler Maserati Ghibli
Ford F-250 SuperCab Ferrari 458
Smart ForTwo Maserati Granturismo

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

Cheaper auto insurance is out there

When trying to cut insurance costs, it's very important that you do not skimp on critical coverages to save a buck or two. In many cases, an accident victim reduced liability coverage limits and learned later they didn't purchase enough coverage. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.

We just covered a lot of techniques to get a better price on auto insurance in Jersey City. The key thing to remember is the more quotes you get, the higher your chance of finding affordable Jersey City car insurance quotes. You may even find the biggest savings come from some of the smallest insurance companies. They can often provide lower car insurance rates in certain areas as compared to the big name companies such as Allstate or State Farm.

Some companies don't offer online quoting and most of the time these smaller providers only sell coverage through independent agents. Cost effective auto insurance is available on the web and from local insurance agents, so you need to compare both to have the best rate selection.

Additional auto insurance information can be found at these links: