Really, the only way to find the cheapest price for car insurance rates is to annually compare prices from companies who can sell car insurance in Jersey City. You can shop around by completing these steps.
First, spend some time learning about how companies price auto insurance and the things you can control to keep rates in check. Many rating criteria that are responsible for high rates like at-fault accidents, speeding tickets, and poor credit history can be controlled by making minor driving habit or lifestyle changes. Continue reading for tips to prevent high prices and find missing discounts.
Second, get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from a single company like Progressive or State Farm, while independent agents can quote prices from multiple companies.
Third, compare the new quotes to the price on your current policy and determine if cheaper Sebring coverage is available in Jersey City. If you find a lower rate and buy the policy, ensure there is no coverage lapse between policies.
Fourth, give notification to your current company to cancel your existing policy and submit the required down payment along with the signed application to your new company or agent. Once coverage is bound, place the new certificate of insurance somewhere easily accessible.
A valuable tip to remember is to make sure you enter identical coverages on every quote and and to get price quotes from as many companies as feasibly possible. This guarantees the most accurate price comparison and a good representation of prices.
It’s an obvious assumption that insurance companies want to keep you from shopping around. Consumers who compare rates at least once a year will most likely move their business because they stand a good chance of finding a more affordable policy. A recent survey found that drivers who routinely shopped around saved approximately $865 a year as compared to drivers who never shopped around for cheaper prices.
If finding the cheapest price on insurance is the reason for your visit, then having a good understanding the best ways to find and compare cheaper coverage can help you succeed in saving money.
Keep in mind that having more price comparisons will enable you to find the best rates.
The companies shown below are ready to provide quotes in Jersey City, NJ. To find cheaper auto insurance in Jersey City, it’s a good idea that you visit two to three different companies to get a more complete price comparison.
Data for Chrysler Sebring insurance
The information displayed below covers detailed analysis of prices for Chrysler Sebring models. Learning as much as possible about how insurance premiums are determined can help you make smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $356 | $862 | $504 | $30 | $152 | $1,904 | $159 |
| Sebring Limited 4-Dr Sedan | $356 | $862 | $504 | $30 | $152 | $1,904 | $159 |
| Sebring LX 2-Dr Convertible | $402 | $862 | $504 | $30 | $152 | $1,950 | $163 |
| Sebring Touring 2-Dr Convertible | $402 | $862 | $504 | $30 | $152 | $1,950 | $163 |
| Sebring Limited 2-Dr Convertible | $448 | $992 | $504 | $30 | $152 | $2,126 | $177 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rate information does not factor in specific zip code location which can affect premium rates noticeably.
Affordable Jersey City car insurance rates with discounts
Some insurance providers do not advertise every discount very well, so we break down both the well known and the more hidden credits available to bring down your rates.
- Life Insurance – Select insurance companies reward you with better rates if you take out life insurance from them.
- Organization Discounts – Having an affiliation with qualifying clubs or civic groups could qualify you for a break on your next car insurance statement.
- No Charge for an Accident – This isn’t a discount exactly, but companies like State Farm, Progressive and GEICO may permit one accident before your rates go up if you are claim-free prior to being involved in the accident.
- Discount for Low Mileage – Low annual miles could be rewarded with substantially lower car insurance rates.
- Braking Control Discount – Cars, trucks, and SUVs that have anti-lock braking systems can stop better under adverse conditions so companies give up to a 10% discount.
- Theft Deterrent Discount – Vehicles optioned with advanced anti-theft systems are less likely to be stolen and will qualify for a discount on a Jersey City car insurance quote.
- Defensive Driver Discounts – Taking time to complete a course in defensive driving could earn you a small percentage discount depending on where you live.
- Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. The good student discount can last up to age 25.
- Student Discount for Driver Training – Have your child enroll and complete driver’s education in high school.
A little disclaimer on discounts, most credits do not apply to your bottom line cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates it’s possible to get free car insurance, companies wouldn’t make money that way.
The example below shows the comparison of Chrysler Sebring auto insurance costs with and without discounts being applied to the rates. The rate quotes are based on a female driver, no violations or accidents, New Jersey state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, marriage, multi-car, multi-policy, and safe-driver discounts applied.
To see insurance companies that have a full spectrum of discounts in New Jersey, click this link.
Here’s why car insurance is not optional
Even though it can be expensive, paying for car insurance may be mandatory for several reasons.
First, almost all states have minimum liability requirements which means state laws require specific limits 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.
Second, if you have a loan on your Chrysler Sebring, it’s most likely the lender will stipulate that you have insurance to protect their interest in the vehicle. If you let the policy lapse, the bank may buy a policy for your Chrysler at a significantly higher premium and force you to pay for it.
Third, insurance safeguards both your Chrysler Sebring and your personal assets. It will also reimburse you for medical transport and hospital expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, also pays expenses related to your legal defense if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, your car insurance policy will pay to repair the damage.
The benefits of buying enough insurance definitely exceed the price paid, particularly if you ever have a claim. As of last year, the average driver in New Jersey overpays more than $810 a year so we recommend shopping around at every policy renewal to make sure the price is not too high.
How to find a good Jersey City car insurance company
Finding a good quality insurer can be a challenge considering how many companies there are to choose from in Jersey City. The information in the next section can help you choose which coverage providers to look at comparing price quotes from.
Top 10 Jersey City Car Insurance Companies Ranked by Value
- The Hartford
- Mercury Insurance
- Farmers Insurance
- Safeco Insurance
- AAA Insurance
- 21st Century
- Travelers
- State Farm
- Progressive
- American Family
Insurance quotes from local Jersey City insurance agents
Some people still prefer to go talk to an agent and that is a smart decision The best thing about comparing insurance prices online is that drivers can save money and get better rates and still have an agent to talk to.
Upon completion of this form (opens in new window), your insurance data is instantly submitted to agents in your area who will give you quotes for your business. There is no need to contact any insurance agencies because quoted prices will be sent directly to your email. Get lower rates and work with a local agent. If for some reason you want to get a rate quote from a particular provider, you can always go to their quote page and fill out the quote form the provide.
Deciding on an provider is decision based upon more than just a cheap quote. Get answers to these questions too.
- Is the agent and/or agency licensed to do business in New Jersey?
- Do you need full coverage on every vehicle?
- How long has their agency been open in Jersey City?
- Is the agency active in community causes in Jersey City?
- Do they have any clout with companies to ensure a fair claim settlement?
- Are they paid to recommend certain coverages?
When finding a reputable agency, you should know the different types of agents and how they differ in how they quote coverages. Jersey City agents can be described as either exclusive agents or independent agents.
Exclusive Insurance Agents
Agents that elect to be exclusive normally can only provide a single company’s rates such as State Farm or Allstate. Exclusive agents cannot shop your coverage around so you might not find the best rates. Exclusive agents are usually well trained on what they offer and that allows them to sell at a higher price point. Drivers often use the same exclusive agent mostly because of the brand legacy and the convenience of having all coverages with one company.
Listed below are Jersey City exclusive agents that are able to give price quotes.
- Alberto Santana – State Farm Insurance Agent
1755 John F. Kennedy Blvd – Jersey City, NJ 07305 – (201) 332-3344 – View Map - Mansa Nicome – State Farm Insurance Agent
86 NJ-35 – Neptune City, NJ 07753 – (732) 776-9999 – View Map - State Farm Insurance – Freddy Duran
1025 Summit Ave – Jersey City, NJ 07307 – (201) 604-3874 – View Map
Independent Agents (or Brokers)
Agents in the independent channel are not employed by any specific company so they have the ability to put coverage with multiple insurance companies enabling the ability to shop coverage around. To transfer your coverage to a different company, your policy is moved internally which makes it simple for you.
If you are comparing rate quotes, it’s recommended you get rate quotes from a few independent agents so that you have a good selection of quotes to compare. Most have the option of insuring with small regional insurance companies that may have much lower rates than larger companies.
The following is a list of independent insurance agencies in Jersey City willing to provide price quotes.
- Preferred Choice Insurance Agency
225 Newark Ave – Jersey City, NJ 07302 – (201) 616-7644 – View Map - Royale Insurance Agency
2184 John F. Kennedy Blvd – Jersey City, NJ 07305 – (201) 656-1800 – View Map - JFK Insurance Agency
746 Bergen Ave – Jersey City, NJ 07306 – (908) 425-1544 – View Map
Upon receiving acceptable answers for all questions you ask in addition to an acceptable price estimate, you have narrowed it down to a car insurance agent that is professional and can insure your vehicles. Just keep in mind you have the power to cancel a policy whenever you wish so never assume that you are obligated to a specific company with no way to switch.
Auto insurance coverages
Knowing the specifics of car insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Chrysler Sebring.
Because many people only carry the minimum required liability limits (New Jersey limits are 15/30/5), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Liability car insurance
Liability coverage can cover injuries or damage you cause to other’s property or people. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 15/30/5 that means you have a $15,000 limit per person for injuries, $30,000 for the entire accident, and property damage coverage for $5,000.
Liability can pay for things such as medical services, repair bills for other people’s vehicles, repair costs for stationary objects, emergency aid and attorney fees. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford. New Jersey state law requires minimum liability limits of 15/30/5 but you should consider buying more coverage.
The chart below shows why buying minimum limits may not be enough.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like funeral costs, rehabilitation expenses, X-ray expenses and ambulance fees. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
Comprehensive auto coverage
This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things like a broken windshield, fire damage, hail damage and theft. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Coverage for collisions
Collision insurance pays for damage to your Sebring resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as backing into a parked car, scraping a guard rail, crashing into a building, colliding with a tree and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible on your Sebring to get cheaper collision coverage.