If you are a novice to online insurance shopping, most likely you are baffled due to the large number insurance agents and companies competing for your business.
It goes without saying that auto insurance companies don’t want you to compare rates. Drivers who shop around for cheaper rates will probably switch to a new company because they have a good chance of getting low-cost coverage. A study showed that drivers who compared rates annually saved over $70 a month compared to drivers who didn’t regularly shop around.
If finding the best price on insurance is the reason for your visit, knowing the best way to shop and compare insurance rates can help simplify the task of finding more affordable coverage.
It’s a good idea to take a look at other company’s rates before your policy renews due to the fact that insurance prices change quite often. Just because you had the best rates on Chevy Cruze insurance in Jersey City on your last policy a different company probably has better rate quotes today. You’ll find a ton of advice on Cruze insurance on the web, but you can learn some solid techniques on how to lower your insurance rates in Jersey City.
Quoting and comparing affordable car insurance coverage in Jersey City is easy to do. In a nutshell, every driver who wants cheaper car insurance will most likely be able to find lower rates. Although New Jersey consumers must understand how companies market insurance on the web because it can help you find the best coverage.
Cheapest companies for Chevy Cruze insurance in New Jersey
The auto insurance companies shown below are our best choices to provide price quotes in New Jersey. To buy cheap auto insurance in New Jersey, it’s highly recommended you visit as many as you can to get the cheapest price.
Take policy discounts and save on Chevy Cruze insurance in Jersey City
Car insurance is not cheap nor is it fun to buy but you may find discounts that you may not even know about. A few discounts will be applied when you get a quote, but some discounts are required to be asked about before they will apply.
- Active Service Discounts – Being deployed in the military may lower your rates slightly.
- Bundle and Save – If you combine your home and auto policies with the same insurance company they may give you a discount of at least 10% off all policies.
- Driver’s Ed – Reduce the cost of insurance for teen drivers by having them successfully take a driver’s education course if it’s offered in school.
- Discount for Low Mileage – Low annual miles can qualify you for substantially lower prices.
- Multiple Cars – Insuring multiple vehicles on a single policy qualifies for this discount.
As a disclaimer on discounts, most discounts do not apply to the whole policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way.
Large car insurance companies and some of their more popular discounts include:
- State Farm offers discounts including anti-theft, Drive Safe & Save, safe vehicle, multiple policy, good driver, and defensive driving training.
- Progressive discounts include homeowner, good student, multi-vehicle, online quote discount, continuous coverage, and multi-policy.
- Progressive offers discounts for continuous coverage, multi-policy, online signing, multi-vehicle, and homeowner.
- MetLife includes discounts for multi-policy, claim-free, defensive driver, good driver, and accident-free.
- Farm Bureau may have discounts that include 55 and retired, youthful driver, driver training, renewal discount, and safe driver.
- GEICO may include discounts for air bags, seat belt use, good student, multi-policy, and anti-lock brakes.
- SAFECO offers premium reductions for homeowner, accident prevention training, drive less, anti-theft, teen safety rewards, and safe driver.
If you want affordable Chevrolet Cruze insurance quotes, ask every prospective company how many discounts you can get. A few discounts might not be offered in your area. To find insurance companies with discount rates in Jersey City, click here.
Buying from auto insurance agents
Certain consumers still prefer to buy from a local agent and that is not a bad decision An additional benefit of getting online price quotes is the fact that drivers can get lower premium rates but still work with a licensed agent. Buying insurance from local insurance agents is important particularly in Jersey City.
By using this form (opens in new window), your coverage information is instantly submitted to insurance agents in Jersey City that can give you free Jersey City auto insurance quotes for your coverage. It’s much easier because you don’t need to search for an agent due to the fact that quote results will go straight to your inbox. You can find the lowest rates without requiring a lot of work. In the event you want to compare rates from one company in particular, you can always find their quoting web page and fill out the quote form the provide.
Choosing the best company is decision based upon more than just a cheap price quote. These are some questions you should get answers to.
- How many years of experience in personal auto insurance do they have?
- Is the agent and/or agency licensed to do business in New Jersey?
- Are there any discounts that you might be missing?
- Which members of your family are coverage by the policy?
- How will an accident affect your rates?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- What insurance companies do they work with in Jersey City?
Best car insurance company in Jersey City
Finding a good quality insurance provider can be a challenge considering how many companies are available to choose from in New Jersey. The ranking information shown next could help you analyze which auto insurance companies to look at putting your business with.
Top 10 Jersey City Car Insurance Companies Ranked by Customer Satisfaction
- The Hartford – 93%
- Progressive – 90%
- 21st Century – 89%
- USAA – 87%
- Mercury Insurance – 87%
- State Farm – 87%
- Travelers – 87%
- Safeco Insurance – 86%
- AAA Insurance – 86%
- American Family – 85%
Top 10 Jersey City Car Insurance Companies by A.M. Best Rank
- GEICO – A++
- Travelers – A++
- State Farm – A++
- USAA – A++
- Allstate – A+
- Nationwide – A+
- Mercury Insurance – A+
- Progressive – A+
- The Hartford – A+
- Esurance – A+
In conclusion
People switch companies for a number of reasons such as high rates after DUI convictions, being labeled a high risk driver, extreme rates for teen drivers and questionable increases in premium. Regardless of your reason, switching auto insurance companies can be pretty painless.
We covered a lot of ways to find cheaper Chevy Cruze insurance in Jersey City. The key concept to understand is the more providers you compare, the better likelihood of getting low cost Jersey City auto insurance quotes. You may even be surprised to find that the biggest savings come from an unexpected company.
Cheaper Chevy Cruze insurance in Jersey City can be purchased both online in addition to many Jersey City insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance providers don’t offer rate quotes online and many times these regional carriers only sell through local independent agencies.
How to find more affordable Chevy Cruze insurance in Jersey City
If you want to save the most money, the best way to get more affordable auto insurance rates is to compare prices at least once a year from different companies in Jersey City.
- Try to understand the different coverages in a policy and the things you can control to drop your rates. Many things that cause rate increases such as distracted driving and an unfavorable credit rating can be amended by improving your driving habits or financial responsibility.
- Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from one company like GEICO or State Farm, while agents who are independent can give you price quotes from many different companies.
- Compare the new rates to the premium of your current policy to determine if switching companies saves money. If you find better rates, make sure coverage does not lapse between policies.
- Give notification to your current company to cancel your current car insurance policy. Submit the application along with any required down payment to your new agent or company. As soon as you have the new policy, keep the new certificate verifying coverage in your vehicle.
The most important part of shopping around is to use identical limits and deductibles on each quote request and and to get price quotes from as many companies as possible. This guarantees a fair price comparison and the most accurate and complete price analysis.
Helpful resources
- Comprehensive Coverage (Liberty Mutual)
- Who Has the Cheapest Jersey City Car Insurance for Drivers with a DUI? (FAQ)
- Who Has Cheap Jersey City Car Insurance Quotes for State Employees? (FAQ)
- Who Has Affordable Jersey City Auto Insurance Quotes for a Toyota Tacoma? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Safe Drivers in Jersey City? (FAQ)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)