It’s safe to assume that auto insurance companies don’t want you quoting rates from other companies. Consumers who compare price quotes will most likely move their business because there are good odds of finding better rates. Remarkably, a study showed that people who shopped around every year saved as much as $70 a month as compared to drivers who don’t make a habit of comparing rates.
If finding the best price on auto insurance in Jersey City is your ultimate target, then having some knowledge of how to quote prices and compare cheaper coverage can make it easier to shop your coverage around.
The best way we recommend to get discount Chevy Silverado 2500HD insurance in Jersey City is to do an annual price comparison from providers who sell insurance in New Jersey. You can compare prices by completing these steps.
Step 1: Try to understand the coverage provided by your policy and the changes you can make to prevent expensive coverage. Many things that result in higher rates like accidents, traffic violations, and a poor credit rating can be remedied by being financially responsible and driving safely. This article gives tips to help reduce premium rates and find overlooked discounts.
Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from one company like Progressive or Allstate, while agents who are independent can provide prices for a wide range of companies. Click to view companies
Step 3: Compare the price quotes to your current policy and see if there is a cheaper rate in Jersey City. If you find better rates, ensure coverage does not lapse between policies.
Step 4: Notify your company or agent of your intent to cancel your current coverage and submit payment and a signed application to the newly selected company. As soon as coverage is bound, place your new certificate of insurance in an easily accessible location in your vehicle.
One key aspect when comparing rates is that you’ll want to make sure you compare similar coverage information on every quote request and and to get prices from as many different insurance providers as possible. This provides a fair rate comparison and maximum price selection.
Companies offering Chevy Silverado 2500HD insurance in Jersey City
The car insurance companies shown below are our best choices to provide price quotes in Jersey City, NJ. If you wish to find the best cheap car insurance in New Jersey, we suggest you compare several of them to get a more complete price comparison.
Chevy Silverado 2500HD detailed coverage information
The rate information shown next covers estimates of insurance premium costs for Chevy Silverado 2500HD models. Learning how car insurance prices are figured can benefit drivers when making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 2500HD LT Crew Cab 4WD | $252 | $454 | $490 | $30 | $146 | $1,372 | $114 |
| Silverado 2500HD LT Crew Cab 2WD | $252 | $524 | $554 | $32 | $166 | $1,528 | $127 |
| Silverado 2500HD LTZ Crew Cab 4WD | $252 | $454 | $490 | $30 | $146 | $1,372 | $114 |
| Silverado 2500HD LT Crew Cab Diesel 4WD | $280 | $524 | $490 | $30 | $146 | $1,470 | $123 |
| Silverado 2500HD LT Crew Cab Diesel 2WD | $280 | $524 | $554 | $32 | $166 | $1,556 | $130 |
| Silverado 2500HD LT Extended Cab Diesel 2WD | $280 | $524 | $554 | $32 | $166 | $1,556 | $130 |
| Silverado 2500HD LTZ Crew Cab 2WD | $280 | $524 | $554 | $32 | $166 | $1,556 | $130 |
| Silverado 2500HD LTZ Crew Cab Diesel 4WD | $280 | $524 | $490 | $30 | $146 | $1,470 | $123 |
| Silverado 2500HD LTZ Crew Cab Diesel 2WD | $280 | $592 | $554 | $32 | $166 | $1,624 | $135 |
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Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can affect auto insurance rates significantly.
The illustration below illustrates how your deductible choice and can raise or lower Chevy Silverado 2500HD yearly insurance costs for different categories of driver ages. The premiums assume a married male driver, full physical damage coverage, and no discounts are taken into consideration.
Discounts for cheaper car insurance quotes
Some insurers don’t always list all their discounts in an easy-to-find place, so here is a list a few of the more common and the harder-to-find discounts you could be receiving when you buy Jersey City car insurance online.
- Discounts for New Vehicles – Insuring a vehicle that is new can save you some money compared to insuring an older model.
- Federal Government Employee – Active or former government employment can earn a discount up to 10% with select insurance companies.
- Telematics Data Discounts – Drivers that enable companies to study when and where they use their vehicle by using a small device installed in their vehicle such as Progressive’s Snapshot could possibly reduce rates if their driving habits are good.
- Save with More Vehicles Insured – Purchasing coverage when you have all your vehicles on one policy could earn a price break for each car.
- Driver’s Education for Students – Have your child complete a driver education course in school.
- Payment Discounts – If paying your policy premium upfront instead of making monthly payments you can avoid the installment charge.
- Drive Less and Save – Low mileage vehicles may allow you to get discounted rates on garaged vehicles.
- Jersey City Homeowners Discount – Simply owning a home can save you money because owning a home shows financial diligence.
It’s important to understand that most discount credits are not given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears having all the discounts means you get insurance for free, car insurance companies aren’t that generous.
The information below shows the difference between Chevy Silverado 2500HD car insurance rates with and without policy discounts. The data is based on a female driver, no claims or driving violations, New Jersey state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, homeowner, multi-car, safe-driver, and marriage discounts applied.
To choose insurers that can offer you the previously mentioned discounts in Jersey City, click this link.
Don’t I need to talk to an insurance agency?
Some consumers prefer to go talk to an agent and often times that is recommended Good insurance agents can help you choose the best coverages and will help you if you have claims. A good thing about comparing car insurance online is you can get the lowest rates and still have an agent to talk to.
After filling out this form (opens in new window), your insurance coverage information gets sent to local insurance agents in Jersey City who will give you bids for your car insurance coverage. It simplifies rate comparisons since you won’t have to drive around because prices are sent straight to your inbox. If you need to compare prices from a specific car insurance provider, you would need to find their quoting web page and fill out their quote form.
Picking a insurer should depend on more than just the price. Ask your prospective agent these questions:
- How long has their agency been in business in Jersey City?
- Can they give you a list of client referrals?
- How much will you save each year by using a higher deductible?
- Is there any savings for paying the full premium?
- Will the agent help in case of a claim?
When narrowing the list to find a reliable insurance agent, it helps to know the two different agency structures from which to choose. Car insurance agents are categorized either exclusive or independent agents depending on their company appointments. Either one can do a good job, but it’s important to know the differences since it can affect your agent selection.
Exclusive Car Insurance Agents
These agents work for only one company like Farmers Insurance, State Farm, or Allstate. Exclusive agencies are unable to shop your coverage around so if the price isn’t competitive there isn’t much they can do. They receive extensive training on their company’s products which helps overcome the inability to quote other rates.
The following are exclusive agencies in Jersey City that can give you price quotes.
Hemant Jiwnani – State Farm Insurance Agent
2770 John F Kennedy Blvd, FL-1 – Jersey City, NJ 07306 – (201) 653-1770 – View Map
Farmers Insurance – Mofalc Meinga
447 Central Ave – Jersey City, NJ 07307 – (201) 435-1616 – View Map
Jared Bush – State Farm® Insurance Agent
725 John F. Kennedy Blvd – North Bergen, NJ 07047 – (201) 325-8880 – View Map
Independent Agencies or Brokers
Independent insurance agents are appointed with more than one company and that is an advantage because they can write policies through many different car insurance companies depending on which coverage is best. If they find a cheaper price, your agent can just switch to a different company without you having to go to a different agency.
When comparing car insurance prices, you absolutely need to get quotes from independent agents so that you have a good selection of quotes to compare.
Shown below is a short list of independent agencies in Jersey City that are able to give price quotes.
Dieugrand Insurance
582 West Side Ave – Jersey City, NJ 07304 – (201) 209-1306 – View Map
Cheap Car Insurance Quotes Auto Newark NJ
268 W KINNEY ST – Newark, NJ 07103 – (888) 290-0635 – View Map
ABL Insurance Services
910 Bergen Ave # 307 – Jersey City, NJ 07306 – (201) 222-1314 – View Map
After receiving positive feedback and a good coverage price, you may have found an auto insurance agent that can be relied on to insure your vehicles. It’s important to know that policyholders can terminate your policy whenever you want so don’t assume that you’re stuck with a specific company for any length of time.
Smart shoppers get results
Low-cost Chevy Silverado 2500HD insurance in Jersey City is possible both online as well as from independent agents in Jersey City, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who don’t offer online rate quotes and most of the time these smaller companies provide coverage only through independent agents.
As you shop your coverage around, don’t be tempted to buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice comprehensive coverage or liability limits and learned later they didn’t purchase enough coverage. Your aim should be to purchase plenty of coverage at the best possible price, not the least amount of coverage.
More information
- Eight Auto Insurance Myths (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for a Ford Fusion in Jersey City? (FAQ)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Red Light Cameras (State Farm)
- Smart Auto Insurance Tips (Insurance Information Institute)