It’s easy to assume that car insurance companies don’t want you to look at other companies. Drivers who get price comparisons will probably switch to a new company because they have good chances of finding coverage at a more affordable price. A recent survey revealed that drivers who shopped around annually saved an average of $70 a month compared to drivers who never shopped around for better prices.
If finding the best price on Saab 9-3 insurance in Jersey City is your target objective, learning how to find and compare cheaper coverage can save time and money.
The recommended way to find low-cost Saab 9-3 insurance in Jersey City is to compare prices at least once a year from insurance carriers who sell insurance in New Jersey.
- Spend some time learning about coverages and the modifications you can make to drop your rates. Many policy risk factors that cause high rates like tickets, at-fault accidents, and an imperfect credit rating can be rectified by being financially responsible and driving safely.
- Compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from one company like GEICO or State Farm, while agents who are independent can give you price quotes for a wide range of insurance providers. Find a Jersey City insurance agent
- Compare the new rate quotes to your existing policy to see if you can save by switching companies. If you find better rates and buy the policy, ensure coverage does not lapse between policies.
- Give notification to your current company of your intent to cancel your current policy and submit the completed application along with a down payment to your new company or agent. When you receive it, safely store the certificate verifying proof of insurance in your vehicle.
The most important part of shopping around is to use identical limits and deductibles on every quote request and and to look at as many different companies as possible. Doing this helps ensure a level playing field and the best price selection.
Many insurance companies like State Farm, Allstate and GEICO allow you to get coverage price quotes direct online. Doing online quotes for Saab 9-3 insurance in Jersey City is fairly straightforward as you just enter your required coverages into the quote form. Once entered, the company’s rating system will order your driving record and credit report and generates pricing information based on the data you entered. The ability to get online rate quotes for Saab 9-3 insurance in Jersey City makes it easy to compare insurance prices and it is imperative to do this in order to find the most affordable car insurance rates.
If you want to fill out one form to compare multiple rates now, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you enter the coverages exactly as shown on your declarations page. This helps ensure you’re receiving rate comparison quotes based on identical coverages.
The companies in the list below offer free rate quotes in New Jersey. To find the best cheap auto insurance in Jersey City, it’s highly recommended you visit as many as you can in order to get a fair rate comparison.
Rate information and statistics
The data table displayed below covers estimates of rate quotes for Saab 9-3 models. Learning how policy rates are calculated is important to be able to make smart policy decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|9-3 2.0T 4-Dr Sedan||$294||$582||$462||$28||$138||$1,504||$125|
|9-3 2.0T Station Wagon||$294||$582||$462||$28||$138||$1,504||$125|
|9-3 2.0T XWD 4-Dr Sedan||$294||$582||$462||$28||$138||$1,504||$125|
|9-3 Aero 4-Dr Sedan||$326||$670||$462||$28||$138||$1,624||$135|
|9-3 2.0T 2-Dr Convertible||$326||$670||$544||$32||$162||$1,734||$145|
|9-3 2.0T XWD Station Wagon||$326||$670||$462||$28||$138||$1,624||$135|
|9-3 Aero Station Wagon||$326||$670||$462||$28||$138||$1,624||$135|
|9-3 Aero XWD 4-Dr Sedan||$326||$670||$462||$28||$138||$1,624||$135|
|9-3 Aero 2-Dr Convertible||$360||$760||$544||$32||$162||$1,858||$155|
|Get Your Own Custom Quote Go|
Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate quotes do not factor in zip code location which can increase or decrease prices substantially.
Impact of speeding/accidents on Jersey City insurance rates
The diagram below demonstrates how speeding tickets and at-fault fender-benders increase Saab 9-3 car insurance rates for different age categories. The rates are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are factored in.
Insurance premiums based on gender
The illustration below illustrates the difference between Saab 9-3 premium costs for male and female drivers. The information is based on no driving violations, no at-fault accidents, full physical damage coverage, $100 deductibles, single marital status, and no additional discounts are factored in.
Price comparison of only insuring for liability
The illustration below compares Saab 9-3 auto insurance rates with full coverage compared to only the New Jersey minimum liability coverage. The rate quotes are based on a clean driving record, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.
When to stop paying for full coverage
There is no definitive formula for eliminating full coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is about 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let’s say your Saab 9-3 book value is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $6,000 after the deductible is paid. If premiums are more than $600 annually for full coverage, then you might want to think about dropping full coverage.
There are some cases where buying only liability insurance is not financially feasible. If you still have a lienholder on your title, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should maintain full coverage.
Smart Choices Result in Lower Insurance Premiums
Smart consumers have a good feel for some of the elements that help determine your policy premiums. If you have a feel for what controls the rates you pay, this enables informed choices that could result in lower rates.
Shown below are a few of the things used by companies to determine your premiums.
Cars with good safety ratings lower insurance rates – Safer cars can get you lower premiums. Safer cars help reduce the chance of injuries in an accident and any reduction in injury severity means lower claim amounts which can result in lower premiums.
Fast cars cost more to insure – The performance level of the car, truck or SUV you need insurance for makes a big difference in determining your rates. Lower performance four cylinder passenger cars generally receive the lowest base rates, but other factors influence the final cost greatly.
The following data uses these assumptions: married female driver age 50, full coverage with $250 deductibles, and no discounts or violations. It compares Saab 9-3 policy rates compared to other models that have different performance rating factors.
Get married and pay lower costs – Walking down the aisle may cut your premiums on your policy. Having a spouse demonstrates that you tend to be less irresponsible and statistics prove married drivers tend to have fewer serious accidents.
Your career may increase rates – Occupational choices like military personnel, business owners, and accountants tend to pay higher average rates due to stressful work requirements and long work hours. On the flip side, careers like farmers, students and the unemployed have the lowest average rates.
Your address can push rates up or down – Choosing to live in smaller towns and rural areas of the country is a good thing when trying to find low car insurance rates. Lower population means a lower chance of having an accident and lower theft and vandalism rates. Residents of big cities tend to have more traffic problems and more time behind the wheel. Longer commute distances means more chance of being in an accident.
Three reasons to insure your Saab 9-3
Despite the high cost, insurance is a good idea for several reasons.
- The majority of states have mandatory insurance requirements which means the state requires a specific minimum amount of liability protection if you drive a 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.
- If you have a loan on your 9-3, most banks will have a requirement that you carry insurance to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Saab at a much higher rate and force you to reimburse them much more than you were paying before.
- Auto insurance protects not only your vehicle but also your assets. Insurance will pay for many types of medical costs that are the result of an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, your policy will pay to have it repaired.
The benefits of buying enough insurance more than offset the price you pay, especially for larger claims. The average driver in America is wasting up to $865 each year so compare rates at every renewal to ensure rates are competitive.
Best auto insurance company in Jersey City
Insuring your vehicle with the right car insurance company is hard considering how many different insurance companies sell coverage in Jersey City. The information shown next can help you select which coverage providers you want to consider comparing prices from.
Top 10 Jersey City Car Insurance Companies Ranked by Value
- The Hartford
- Mercury Insurance
- Farmers Insurance
- Safeco Insurance
- AAA Insurance
- 21st Century
- State Farm
- American Family
Top 10 Jersey City Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- The Hartford
- American Family
- State Farm
- Farmers Insurance