Finding good, cheap car insurance is challenging, and figuring out which company offers the cheapest car insurance rates for teachers calls for even more rate comparisons.
Every insurance provider uses their own formula for determining prices, so to begin we’ll rank the car insurance companies with the overall cheapest rates in Jersey City, NJ. It’s important that you understand Jersey City car insurance rates are based on many factors that control your annual premium. Things like getting older, increasing deductibles, or getting a couple of tickets may generate price changes resulting in some companies being more expensive than before.
Find the Cheapest Car Insurance for Educators
|Rank||Company||Cost Per Year|
|3||New Jersey Manufacturers||$1,258|
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21st Century has some of the cheapest car insurance rates in Jersey City at around $1,078 a year. Travelers, New Jersey Manufacturers, Penn National, and Palisades also are some of the best Jersey City, NJ car insurance companies.
In the above rates, if you currently have a policy with Penn National and switched to Travelers, you might see a yearly savings of in the vicinity of $147. Customers with Palisades could save as much as $150 a year, and California Casualty policyholders might reduce prices by as much as $246 a year.
It’s important to note that these premiums are averaged for all ages of drivers and types of vehicles and and are not calculated with a specific location for teachers. So the company that can offer you the lowest price may not even be in the top 19 companies in the list above. That helps illustrate why you need to quote rates from many companies using your own personalized driver profile and vehicle information.
The car, truck, or SUV you are seeking coverage for is a significant factor when shopping around for the best cheap insurance for teachers. Vehicles with high performance engines, poor crash test ratings, or high incidents of liability claims will cost much more to insure than safer models.
The next table features auto insurance rates for the cheaper vehicles to insure in New Jersey.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$1,380|
|Ford Focus SE 4-Dr Sedan||$1,601|
|Chevrolet Impala LS||$1,607|
|Toyota RAV4 4WD||$1,631|
|Hyundai Elantra SE Touring Station Wagon||$1,713|
|Honda Odyssey EX-L W/Navigation||$1,716|
|Ford Escape Limited 2WD||$1,727|
|Ford F-150 XL Super Cab 2WD||$1,735|
|Honda Civic Hybrid 4-Dr Sedan||$1,748|
|GMC Sierra SL Crew Cab 4WD||$1,753|
|GMC Sierra 3500HD SLE Extended Cab 2WD||$1,780|
|Ford Edge Limited 2WD||$1,833|
|Nissan Altima 2.5 S 2-Dr Coupe||$1,865|
|Toyota Camry Hybrid||$1,873|
|Chevrolet Equinox LS AWD||$1,868|
|Jeep Wrangler Rubicon 4WD 2-Dr||$1,895|
|Dodge Grand Caravan Crew||$1,903|
|Toyota Tacoma Double Cab 4WD||$1,908|
|Toyota Corolla LE||$1,967|
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate information does not factor in Jersey City, NJ location which can alter price quotes greatly.
Looking at the rates, models like the Honda CR-V, Ford Focus, and Chevrolet Impala will definitely be some of the more affordable vehicles to insure for teachers and educators.
For teachers and educators, one of the more important criteria that are used to help calculate the amount you pay for auto insurance is where you normally keep your vehicle in Jersey City. Larger areas tend to have higher rates, whereas areas with less congestion benefit from lower coverage costs.
The table below ranks the highest-priced areas in New Jersey for teachers to purchase auto insurance in. Jersey City ranks #10 with an annual cost of $2,322 for the average insurance policy, which is around $194 per month.
|3||West New York||$2,531|
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Premium amounts are approximated as the specific geographic location can alter price quotes greatly.
Get discount Jersey City auto insurance rates
Car insurance companies that offer quotes for teachers may also provide special discounts that may potentially lower prices by as much as 35% or more if you are eligible. Larger car insurance companies and their offered discounts are outlined below.
- Farm Bureau includes discounts for 55 and retired, safe driver, multi-vehicle, renewal discount, good student, multi-policy, and youthful driver.
- State Farm policyholders can earn discounts including defensive driving training, safe vehicle, driver’s education, student away at school, and Drive Safe & Save.
- Progressive discounts include online quote discount, online signing, homeowner, continuous coverage, and multi-vehicle.
- Allstate may have discounts that include teenSMART discount, eSmart discount, defensive driver, resident student, good payer, and safe driver.
- Nationwide offers premium reductions for defensive driving, family plan, good student, multi-policy, and accident-free.
- MetLife has savings for good driver, accident-free, claim-free, multi-policy, good student, defensive driver
The chart below shows the difference between insurance costs with and without discounts applied to the rates. The premiums are based on a male driver, no violations or claims, New Jersey state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with marriage, defensive driving course, claim-free, accident-free, anti-theft, and safe-driver discounts applied. With discounts applied, theamount saved on car insurance for teachers is 28% or $628.
Rate increases following a ticket or accident
The common sense way to enjoy the best car insurance prices in New Jersey for teachers and educators is to drive carefully and avoid at-fault accidents and violations. The illustration below shows how violations and at-fault accidents raise auto insurance costs for different age groups of insureds. The rates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.
In the previous chart, the average cost of a car insurance policy in New Jersey per year with no accidents or violations is $2,045. Get two speeding tickets and the average cost increases to $2,898, an increase of $853 each year. Then throw in two accidents along with the two speeding tickets and the annual cost of car insurance for teachers increases to an average of $6,488. That’s an increase of $4,443, or $370 per month, just for not maintaining a clean driving record!
How to find more affordable auto insurance for teachers
The list below shows many thrifty suggestions that can help you get cheap auto insurance.
- Just one traffic violation will increase your rates
- Save money by insuring your home and auto with the same company
- Vehicles with safetly features generally cost less to insure
- Too many claims can make car insurance unaffordable
- Accidents can significantly increase rates
- Compare rates regularly to ensure the best deal
The last tip in the list is incredibly vital, as was pointed out in this article. Coverage prices in Jersey City can change considerably in a year, so don’t be afraid to switch carriers if a cheaper rate is available.
Staying with the same company for years is fine, but it isn’t a good idea if that devotion results in you overpaying major coinage every year. It only take a few minutes to compare prices and find cheaper auto insurance for teachers.
If you aren’t clear which coverage you need and would like to get help from a professional when shopping around for cheaper insurance for teachers, the agencies below can most likely help you make a decision which coverage fits your budget. To locate a Jersey City auto insurance agent using an interactive map, click the link after the list.
GG Insurance – Independent Insurance Agent
270 Marin Boulevard, Metropolis Towers Suite #14D – Jersey City, NJ 07302 – (800) 801-0394
Tawanda Jackson – State Farm Insurance Agent
688 NJ-440 – Jersey City, NJ 07305 – (201) 209-0290
JFK Insurance Agency
746 Bergen Ave – Jersey City, NJ 07306 – (908) 425-1544
GIM Agency Services Inc
263 Central Ave – Jersey City, NJ 07307 – (201) 792-4188
582 West Side Ave – Jersey City, NJ 07304 – (201) 209-1306