Who Has Cheap Auto Insurance Rates for 4x4 Vehicles in Jersey City?

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One of the many components that are used to help calculate the amount you pay each year for auto insurance is where you normally keep your vehicle in Jersey City. Areas with a lot of weather claims or more people tend to have more expensive auto insurance rates, whereas areas with less people or fewer weather incidents tend to receive cheaper rates.

The illustration below shows the most expensive places in New Jersey for 4x4 vehicles to purchase car insurance in. Jersey City comes in at #12 having an annual price of $2,253 for car insurance, which is approximately $188 monthly.

How much does car insurance cost in Jersey City, NJ?
Rank City Annual Premium
1 East Orange $2,571
2 West New York $2,531
3 Newark $2,496
4 Paterson $2,448
5 Elizabeth $2,446
6 Passaic $2,395
7 Union City $2,378
8 Clifton $2,345
9 Hoboken $2,283
10 Bayonne $2,274
11 Kearny $2,266
12 Jersey City $2,253
13 Linden $2,185
14 Perth Amboy $2,144
15 Camden $2,133
16 Fort Lee $2,081
17 Atlantic City $2,024
18 Hackensack $1,921
19 Plainfield $1,898
20 Trenton $1,896
21 Sayreville $1,882
22 New Brunswick $1,875
23 Lakewood $1,855
24 Vineland $1,806
25 Toms River $1,691
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Rates are estimated as the specific area where the vehicle is garaged can decrease or increase premiums significantly.

Trying to buy affordable auto insurance is not the easiest thing to accomplish, and figuring out which companies offer the best auto insurance rates for 4x4 vehicles may require a bit more work.

Every insurance provider uses their own formula to determine premium rates, so we'll take a look at the auto insurance companies with the overall best prices in Jersey City. Keep in mind that Jersey City auto insurance rates are influenced by many factors that can increase the price you pay for coverage. Events like turning one year older, buying another vehicle, or getting a driving violation can trigger rate changes resulting in some rates now being more expensive than before.

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21st Century normally has some of the cheapest car insurance rates in Jersey City at around $1,067 per year. Travelers, New Jersey Manufacturers, Penn National, and Palisades also rank well as some of the cheapest Jersey City, NJ car insurance companies.

In the rate table above, if you buy coverage from Penn National and switched to Travelers, you could see a yearly savings of around $158. New Jersey drivers with Palisades may save as much as $161 a year, and The Hartford customers might see rate reductions of $296 a year.

Understand that those premiums are averaged for all types of insureds and vehicles and are not factoring in a specific zip code for 4x4 vehicles. So the auto insurance company that is most affordable for your situation may not even be in the top 19 companies shown above. That emphasizes why you need to quote rates from many companies using your own driver data and vehicle information.

The vehicle on the policy is a large consideration when consumers are trying to find the most economical car insurance for 4x4 vehicles. Vehicles with lower acceleration and performance, excellent safety ratings, or a low likelihood of liability claims will cost much less to insure than higher performance models. The table below presents insurance prices for the most economical vehicles to insure in New Jersey.

Cheapest Vehicles to Insure in Jersey City, NJ
Make, Model, and Trim Level Estimated Cost for Full Coverage
Dodge Grand Caravan SE $1,731
Ford Explorer XLT 2WD $1,736
Honda CR-V LX 4WD $1,745
Ford Escape XLS 4WD $1,752
Toyota Tacoma 2WD $1,799
Toyota RAV4 Limited 4WD $1,832
Toyota Prius $1,883
Chevrolet Impala LTZ $1,930
Kia Optima LX $1,961
Honda Odyssey Touring $1,964
Volkswagen Jetta SEL 4-Dr Sedan $1,969
GMC Sierra 3500HD SLT Extended Cab 2WD $2,000
GMC Sierra SLE Crew Cab 2WD $2,006
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can change insurance rates greatly.

Based upon the rates shown, we can conclude that makes and models like the Dodge Grand Caravan, Ford Explorer, and Honda CR-V will be a few of the most economical vehicles to insure for off-road vehicles.

How to get discounts on Jersey City insurance

Cheaper Jersey City, NJ auto insurance for off-road vehiclesInsurance companies that offer quotes for 4x4 vehicles may also give you policy discounts that could reduce prices by 25% or more if you are eligible to receive them. A few of the larger companies and some of the premium reductions they offer are outlined below.

The illustration below illustrates the comparison of insurance costs with and without some available policy discounts. The premium estimates are based on a female driver, no violations or accidents, New Jersey state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with accident-free, vehicle safety, defensive driving course, passive restraint, multiple vehicle, and safe-driver discounts applied. When discounts are factored in, the average savings per year on auto insurance for 4x4 vehicles is 28% or $802.

The example below shows how different deductible levels can influence insurance premiums when searching for cheap insurance for 4x4 vehicles. The premiums assume a single female driver, comprehensive and collision coverage, and no discounts are factored in.

In the chart above, a 30-year-old driver could lower rates by $608 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $916 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could lower their rates up to $1,354 or even more just by choosing higher deductibles when buying full coverage.

If you do raise deductibles, it is necessary to have plenty of discretionary funds to be able to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

If you wish to get help from a professional when shopping for the best coverage for 4x4 vehicles, the agents shown below can probably answer your questions and help you decide which car insurance company is the best fit.

To find a Jersey City insurance agency close to you, click the button at the bottom or click here to get price quotes now.

More Jersey City, NJ insurance agents

How to find the cheapest auto insurance for 4x4 vehicles

Here are some money-saving solutions that can help Jersey City drivers locate cheap car insurance.

The last tip is extraordinarily significant, as we stressed in this piece. Prices charged by car insurance companies vary considerably, so drivers shouldn't be resistant to buy a different policy if a better rate can be found. Sticking with a specific company is fine, but it isn't a good idea if that loyalty ends up costing a wad of cash every year. Now is a great time to shop around and find cheaper car insurance for 4x4 vehicles in Jersey City.