A study showed that nearly 70% of customers renewed their policy with the same company for more than four years, and almost 40% of drivers have never compared rates with other companies. Consumers in America can cut their rates by $850 a year by just shopping around, but most undervalue the large savings they would see if they switched to a cheaper policy.
If you want to find the absolute lowest rates, then the best way to get more affordable Ford Freestar insurance is to do an annual price comparison from insurers in Jersey City. You can compare prices by completing these steps.
- First, try to comprehend how companies set rates and the factors you can control to keep rates low. Many rating criteria that are responsible for high rates like at-fault accidents and a lousy credit rating can be improved by making minor changes in your lifestyle.
- Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like Progressive and State Farm, while independent agents can give you price quotes from multiple insurance companies. Start a quote
- Third, compare the new quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find a lower rate and buy the policy, make sure there is no lapse in coverage.
- Fourth, give notification to your current company to cancel your current policy. Submit any necessary down payment along with the completed application to the new insurer. Once received, place the new proof of insurance certificate with your vehicle’s registration.
The key aspect of shopping around is to make sure you’re comparing identical deductibles and limits on each quote and and to get quotes from as many different insurance providers as possible. Doing this guarantees the most accurate price comparison and the best price selection.
Buying the cheapest car insurance in Jersey City is actually not that difficult if you follow our advice. If you are already insured or are looking for a new policy, you can use these techniques to save money without reducing coverage. You just have to learn the proper way to buy car insurance from many different companies.
Ford Freestar insurance discounts in Jersey City
Companies offering auto insurance don’t necessarily list all possible discounts in a way that’s easy to find, so we researched both well-publicized in addition to some of the lesser obvious auto insurance savings.
- Air Bag Discount – Vehicles equipped with air bags or automatic seat belts could see savings of more than 20%.
- Renewal Discounts – A few companies offer discounts for buying a policy prior to the expiration date on your current Freestar insurance policy. The savings is around 10%.
- Home Ownership Discount – Simply owning a home can save a few bucks because of the fact that having a home requires personal responsibility.
- Accident Free – Insureds with no claims or accidents pay less in comparison to insureds who have frequent claims or accidents.
- Full Payment Discount – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
- Club Memberships – Being a member of qualifying clubs or civic groups can get you a small discount on auto insurance.
You should keep in mind that most discounts do not apply to the whole policy. Most cut individual premiums such as liability and collision coverage. Even though it appears all the discounts add up to a free policy, company stockholders wouldn’t be very happy.
Some of the insurance companies that possibly offer these discounts possibly include:
Before purchasing a policy, check with all the companies which credits you are entitled to. Discounts may not apply to policies in every state.
Most of the larger companies allow you to get insurance quotes directly from their websites. Doing online quotes for Ford Freestar insurance in Jersey City is easy for anyone because you just enter your coverage preferences on the page. When complete, the system orders your credit score and driving record and provides a quote based on these and other factors. This makes it easy to compare insurance prices and it’s also necessary to do this in order to find the lowest payment.
To quickly compare rates now, compare rates now from the companies shown below. To compare your current rates, we recommend that you enter your coverages identical to your current policy. Doing this assures you will be getting a fair comparison based on similar coverages.
The following companies offer comparison quotes in New Jersey. If multiple companies are listed, it’s a good idea that you compare several of them to get a more complete price comparison.
When to have guidance from an insurance agency
A lot of people would prefer to buy from a local agent and doing that can be a smart decision Good agents will help you protect your assets and help file insurance claims. The best thing about comparing insurance prices online is you can get the lowest rates but still work with a licensed agent.
Once you complete this form (opens in new window), your information is emailed to local insurance agents in Jersey City that provide free Jersey City car insurance quotes for your business. There is no need to find an agent since rate quotes are delivered to your email. In the event you want to get a comparison quote from one company in particular, you would need to search and find their rate quote page and give them your coverage information.
Choosing an insurer needs to be determined by more than just a cheap price. Here are some questions you should ask.
- Will one accident increase rates?
- By raising physical damage deductibles, how much would you save?
- Do they have designations such as AIC, CPCU, or CIC?
- Are they in the agency full-time?
- Are they giving you every discount you deserve?
- How much experience to they have in personal lines coverages?
- Is there a local claims center in Jersey City?
When researching a reputable insurance agent or broker, it’s important to understand the different types of agents that you can select. Insurance agents in Jersey City are either independent or exclusive. Both types can sell insurance policies, but it’s worth mentioning how they differ since it may influence your agent selection.
Exclusive Insurance Agencies
Exclusive agents generally can only insure with one company such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents are unable to provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are usually well trained in insurance sales and that enables them to sell even at higher rates.
Below are Jersey City exclusive agents who may provide you with price quote information.
Allstate Insurance: Emad Soliman
844 Bergen Ave – Jersey City, NJ 07306 – (201) 332-6999 – View Map
Farmers Insurance – Karima Panjwani
591 Summit Ave – Jersey City, NJ 07306 – (201) 793-7525 – View Map
Tawanda Jackson – State Farm Insurance Agent
688 NJ-440 – Jersey City, NJ 07305 – (201) 209-0290 – View Map
Independent Insurance Agents
These type of agents do not have single company limitations so they can insure your vehicles with any number of different companies and find the cheapest rate. If your premiums go up, they simply switch companies in-house and you can keep the same agent. If you need lower rates, we recommend you include multiple independent agents so that you can do a thorough price comparison.
Below is a list of independent agents in Jersey City willing to provide price quotes.
Royale Insurance Agency
2184 John F. Kennedy Blvd – Jersey City, NJ 07305 – (201) 656-1800 – View Map
Arch Insurance
300 Exchange Pl – Jersey City, NJ 07311 – (201) 743-4000 – View Map
GIM Agency Services Inc
263 Central Ave – Jersey City, NJ 07307 – (201) 792-4188 – View Map
After getting good responses and an acceptable price quote, it’s possible that you found a car insurance agent that meets your needs to adequately provide insurance. Just keep in mind consumers can terminate coverage at any time so don’t assume you are locked into a policy for the entire policy term.
Quote often and quote early
The cheapest Ford Freestar insurance in Jersey City can be purchased on the web and with local Jersey City insurance agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who do not offer online quoting and usually these smaller providers work with local independent agencies.
We’ve covered a lot of techniques to save on Ford Freestar insurance in Jersey City. The key thing to remember is the more companies you get rates for, the better likelihood of getting the cheapest Ford Freestar rate quotes. Consumers could even find that the best price on auto insurance is with some of the lesser-known companies. These companies often have lower rates on specific markets as compared to the big name companies such as State Farm or Progressive.
For more information, take a look at the resources below:
- Eight Auto Insurance Myths (Insurance Information Institute)
- Who Has the Cheapest Jersey City Auto Insurance for 19 Year Olds? (FAQ)
- How Much are Jersey City Auto Insurance Rates for Police Officers? (FAQ)
- Young Drivers: The High Risk Years Video (iihs.org)
- Uninsured Motorist Statistics (Insurance Information Institute)
- State Car Insurance Guides (GEICO)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)