Do you want to save money by buying low-cost car insurance rates in Jersey City, NJ? Jersey City consumers have lots of choices when looking for the best price on Honda Clarity insurance. They can either spend hours driving around to compare prices or save time using the internet to make rate comparisons.
There are more efficient ways to shop for car insurance so you’re going to learn the absolute fastest way to quote coverages for a new or used Honda and locate the lowest price from both online companies and Jersey City agents.
You need to quote other rates as often as possible since prices are variable and change quite frequently. Just because you found the lowest price on Honda Clarity insurance in Jersey City on your last policy the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the quickest way to get good coverage on Honda Clarity insurance in Jersey City at a lower rate.
If you have a policy now or want to find a cheaper company, you can use this information to buy cheaper car insurance while maximizing coverage. Our objective in writing this article is to instruct you on the best methods to compare rates and how to save the most money. Consumers just need to know the most effective way to compare rate quotes on the web.
Save money by taking advantage of discounts
Car insurance is neither fun to buy or cheap, but companies offer discounts that you may not know about. Many of these discounts will be applied automatically when you purchase, but a few must be asked for before you get the savings.
- Multiple Vehicles – Buying a policy with several vehicles on the same car insurance policy may reduce the rate for each vehicle.
- Defensive Driver Discount – Taking time to complete a safe driver course could save 5% or more and easily recoup the cost of the course.
- Good Student – Excelling in school can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
- Discount for Swiching Early – A few car insurance companies give discounts for buying a policy before your current coverage expires. This discount can save up to 10%.
- Multi-policy Discount – If you combine your homeowners and auto policies with the same company you could earn a discount of over 10 percent off each policy depending on the company.
- Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may get savings up to 30%.
- Military Rewards – Being on active deployment in the military could qualify you for better car insurance rates.
- Safe Driver Discounts – Accident-free drivers can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
A little disclaimer on discounts, some of the credits will not apply to the whole policy. Most cut individual premiums such as comprehensive or collision. Even though it appears you could get a free car insurance policy, that’s just not realistic.
Popular car insurance companies and a partial list of their discounts are detailed below.
- State Farm offers discounts including passive restraint, safe vehicle, Steer Clear safe driver discount, defensive driving training, anti-theft, and Drive Safe & Save.
- American Family offers discounts for defensive driver, TimeAway discount, good driver, bundled insurance, and good student.
- GEICO has savings for multi-policy, five-year accident-free, anti-theft, daytime running lights, seat belt use, defensive driver, and driver training.
- 21st Century may offer discounts for air bags, driver training, automatic seat belts, homeowners, and student driver.
- Progressive offers premium reductions for homeowner, multi-policy, good student, online quote discount, continuous coverage, online signing, and multi-vehicle.
If you want affordable Jersey City car insurance quotes, ask each insurance company which discounts can lower your rates. Savings may not apply in Jersey City. To find insurers with the best Honda Clarity insurance discounts in Jersey City, click here to view.
Most larger insurance companies like State Farm, GEICO and Progressive make it easy to get coverage prices on the web. Getting quotes for Honda Clarity insurance in Jersey City is quite easy as all you need to do is type in your coverage preferences into the quote form. After the form is submitted, the system automatically retrieves your driving record and credit report and provides a quote based on the data you entered.
Quoting online for Honda Clarity insurance in Jersey City makes it simple to compare prices and it is imperative to perform this step in order to get cheap rates.
To save time and find out how much you can save on car insurance, consider comparing rates from the companies shown below. If you have your current policy handy, we recommend you replicate the insurance coverages as close as possible to your current policy. This ensures you will get rate comparison quotes for similar coverage.
The companies in the list below offer free quotes in Jersey City, NJ. If your goal is to find cheap car insurance in Jersey City, it’s a good idea that you click on several of them to get the lowest price.
Tailor your car insurance coverage to you
Always keep in mind that when comparing your policy for your vehicles, there really is not a best way to insure your cars. Your needs are unique to you.
Here are some questions about coverages that may help highlight whether you would benefit from an agent’s advice.
- Is borrowed equipment or tools covered if stolen or damaged?
- Should I rate my vehicle as business use?
- How can I get high-risk coverage after a DUI?
- Why does it cost so much to insure a teen driver in Jersey City?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Is business equipment covered while in my vehicle?
- Am I covered if I hit a deer?
- What if I owe more than I can insure my car for?
If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.
Compare rate quotes but buy from a local Jersey City insurance agent
Some consumers still prefer to buy from a licensed agent and often times that is recommended Good insurance agents are trained to spot inefficiencies and help you file claims. An additional benefit of comparing rate quotes online is that drivers can save money and get better rates and still choose a local agent. And supporting local agencies is important especially in Jersey City.
For easy comparison, once you complete this simple form, your coverage information is transmitted to local insurance agents in Jersey City who will gladly provide quotes for your car insurance coverage. There is no reason to do any legwork since price quotes are sent immediately to you. If for some reason you want to quote rates from a specific insurance company, you would need to find their quoting web page and fill out their quote form.
When searching for a good Jersey City insurance agent, there are two different types of agents and how they operate. Car insurance policy providers can either be exclusive agents or independent agents. Either can sell affordable car insurance policies, but it’s good to learn the differences since it can impact the type of agent you choose.
Independent Car Insurance Agents
These type of agents are normally appointed by many insurers so they have the ability to put coverage through lots of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply switch companies in-house and you don’t have to find a new agent. If you need cheaper car insurance rates, you will want to get several quotes from a couple of independent agencies to get the most accurate price comparison. Most can insure with less well-known companies that may have much lower rates than larger companies.
The following is a list of independent insurance agents in Jersey City who may be able to give you price quotes.
- AllState Agent
07305, 701 NJ-440 – Jersey City, NJ 07304 – (201) 515-3499 – View Map - GG Insurance – Independent Insurance Agent
270 Marin Boulevard, Metropolis Towers Suite #14D – Jersey City, NJ 07302 – (800) 801-0394 – View Map - JFK Insurance Agency
746 Bergen Ave – Jersey City, NJ 07306 – (908) 425-1544 – View Map
Exclusive Agencies
Agents that elect to be exclusive can only provide pricing for a single company and some examples include State Farm, Allstate and AAA. Exclusive agents cannot provide rate quotes from other companies so it’s a take it or leave it situation. They are usually quite knowledgeable on the products they sell which helps them sell insurance even at higher premiums. A lot of people buy from the same agent for years partially due to the brand legacy and the convenience of having a single billing for all their coverages.
Listed below are Jersey City exclusive agencies who can help you get comparison quotes.
- Alberto Santana – State Farm Insurance Agent
1755 John F. Kennedy Blvd – Jersey City, NJ 07305 – (201) 332-3344 – 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
Picking the best auto insurance agent shouldn’t rely on just the bottom line cost. Here are some questions you might want to ask.
- Are there any extra charges for paying monthly?
- Are you getting all the discounts the company offers?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- How does the company pay claims for a total loss?
- How much experience to they have in personal lines coverages?
- Does the company allow you to choose your own collision repair facility?
Persistent drivers can save
When you buy Jersey City car insurance online, don’t be tempted to skimp on coverage in order to save money. There have been many cases where someone sacrificed liability limits or collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible at a price you can afford.
Throughout this article, we presented some good ideas how to compare Honda Clarity insurance premium rates in Jersey City. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the best price on car insurance is with a company that doesn’t do a lot of advertising.
Cheaper Honda Clarity insurance in Jersey City can be bought on the web as well as from insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies do not offer online price quotes and these small, regional companies only sell through local independent agencies.
How to find affordable Honda Clarity insurance in Jersey City
The best way to get low-cost Honda Clarity insurance is to regularly compare prices from insurance carriers that sell auto insurance in Jersey City.
- Get an understanding of how insurance companies determine prices and the things you can control to keep rates low. Many things that result in higher rates like speeding tickets, careless driving and a less-than-favorable credit history can be improved by paying attention to minor details.
- Request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or Farmers Insurance, while agents who are independent can quote prices from multiple insurance companies. View a list of agents
- Compare the new rate quotes to your current policy premium to determine if switching companies saves money. If you find a lower rate quote and buy the policy, verify that coverage does not lapse between policies.
- Notify your agent or company to cancel your current coverage and submit a completed policy application and payment for your new policy. Make sure you safely store the certificate of insurance in an easily accessible location in your vehicle.
One thing to remember is to use the same level of coverage on every quote and and to get quotes from every company you can. This helps ensure a fair price comparison and the best price selection.
More resources
- Choosing an Insurance Company (Insurance Information Institute)
- Who Has the Cheapest Jersey City Car Insurance for a GMC Sierra? (FAQ)
- Who Has Affordable Jersey City Auto Insurance for a Toyota RAV4? (FAQ)
- Senior Drivers (Insurance Information Institute)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)