Want to learn a better way to compare lower-priced car insurance rates in Jersey City, NJ? Jersey City drivers have lots of choices when trying to find low-cost Honda Civic insurance. You can either spend your time calling around trying to get quotes or save time using the internet to find the lowest rates. There are both good and bad ways to buy car insurance and you need to know the proper way to price shop coverage for your Honda and locate the lowest possible price either online or from Jersey City insurance agents.
It’s smart to take a look at other company’s rates every six months since insurance prices are adjusted regularly by insurance companies. Just because you found the lowest quotes on Honda Civic insurance in Jersey City six months ago a different company probably has better rates today. Block out anything you think you know about car insurance because you’re about to learn the best methods to lower your annual insurance bill.
Finding the cheapest coverage in Jersey City can initially seem challenging. If you currently have auto insurance, you will most likely be able to reduce premiums using the techniques presented in this article. Vehicle owners just have to use the tricks to buy auto insurance from many different companies online.
Get affordable rates by taking advantage of discounts
Car insurance companies don’t necessarily list all discounts in an easy-to-find place, so the following list contains a few of the more well known and also the more inconspicuous discounts that may be available. If you do not check that you are getting every discount available, you are just wasting money.
- Discounts for Responsible Drivers – Insureds without accidents may save up to 50% more compared to accident prone drivers.
- Professional Organizations – Joining a qualifying organization is a good way to get lower rates when shopping for car insurance.
- Early Signing – Some insurance companies give discounts for switching to them before your current expiration date. It’s a savings of about 10%.
- Distant College Student Discount – Older children living away from Jersey City attending college and leave their car at home can receive lower rates.
- Military Deployment Discount – Being on active deployment in the military can result in better rates.
- Pay Now and Pay Less – If paying your policy premium upfront as opposed to paying monthly you may have a lower total premium amount.
- Government Employees – Employees or retirees of the government may qualify for a discount when you quote Jersey City auto insurance depending on your car insurance provider.
Keep in mind that some of the credits will not apply to the entire cost. Most only reduce the price of certain insurance coverages like comp or med pay. Even though it appears you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. But any discount should help lower the amount you pay for coverage.
The illustration below compares Honda Civic insurance rates with and without discounts applied. The rate quotes are based on a female driver, no claims or driving violations, New Jersey state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, safe-driver, multi-policy, and marriage discounts applied.
Insurance companies that possibly offer some of the discounts shown above include:
When getting a coverage quote, ask each company which discounts they offer. Some discounts listed above may not be available in every state. For a list of providers that offer many of these discounts in Jersey City, click here.
Getting low cost car insurance pricing is pretty simple and can save money. All you need to do is take time comparing free Jersey City auto insurance quotes to find the company with low cost Jersey City auto insurance quotes.
The companies in the list below provide price quotes in Jersey City, NJ. To get cheap auto insurance in Jersey City, we suggest you get price quotes from several of them in order to find the lowest rates.
Rates and other information
The coverage information displayed next showcases a range of policy rates for Honda Civic models. Learning as much as possible about how rate quotes are established is important to be able to make informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $206 | $430 | $462 | $28 | $138 | $1,264 | $105 |
| Civic VP 4-Dr Sedan | $206 | $506 | $462 | $28 | $138 | $1,340 | $112 |
| Civic LX 4-Dr Sedan | $206 | $506 | $462 | $28 | $138 | $1,340 | $112 |
| Civic DX 2-Dr Coupe | $206 | $506 | $576 | $34 | $172 | $1,494 | $125 |
| Civic EX 4-Dr Sedan | $206 | $506 | $462 | $28 | $138 | $1,340 | $112 |
| Civic LX-S 4-Dr Sedan | $206 | $506 | $462 | $28 | $138 | $1,340 | $112 |
| Civic LX 2-Dr Coupe | $206 | $582 | $576 | $34 | $172 | $1,570 | $131 |
| Civic EX-L 4-Dr Sedan | $236 | $582 | $462 | $28 | $138 | $1,446 | $121 |
| Civic SI 4-Dr Sedan | $236 | $582 | $462 | $28 | $138 | $1,446 | $121 |
| Civic EX 2-Dr Coupe | $236 | $582 | $576 | $34 | $172 | $1,600 | $133 |
| Civic GX 4-Dr Sedan | $236 | $582 | $462 | $28 | $138 | $1,446 | $121 |
| Civic EX-L 2-Dr Coupe | $236 | $582 | $576 | $34 | $172 | $1,600 | $133 |
| Civic Hybrid 4-Dr Sedan | $266 | $506 | $462 | $28 | $138 | $1,400 | $117 |
| Civic SI 2-Dr Coupe | $266 | $658 | $576 | $34 | $172 | $1,706 | $142 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Prices do not factor in specific location information which can change rates noticeably.
Choosing deductibles
One of the more difficult decisions when buying insurance is which deductibles should you choose. The following insurance rates determine the rate fluctuation between low and high insurance deductibles. The first pricing table uses a $250 physical damage deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $324 | $626 | $480 | $28 | $144 | $1,627 | $136 |
| Civic VP 4-Dr Sedan | $324 | $738 | $480 | $28 | $144 | $1,739 | $145 |
| Civic LX 4-Dr Sedan | $324 | $738 | $480 | $28 | $144 | $1,739 | $145 |
| Civic DX 2-Dr Coupe | $324 | $738 | $600 | $36 | $180 | $1,903 | $159 |
| Civic EX 4-Dr Sedan | $324 | $738 | $480 | $28 | $144 | $1,739 | $145 |
| Civic LX-S 4-Dr Sedan | $324 | $738 | $480 | $28 | $144 | $1,739 | $145 |
| Civic LX 2-Dr Coupe | $324 | $848 | $600 | $36 | $180 | $2,013 | $168 |
| Civic EX-L 4-Dr Sedan | $372 | $848 | $480 | $28 | $144 | $1,897 | $158 |
| Civic SI 4-Dr Sedan | $372 | $848 | $480 | $28 | $144 | $1,897 | $158 |
| Civic EX 2-Dr Coupe | $372 | $848 | $600 | $36 | $180 | $2,061 | $172 |
| Civic GX 4-Dr Sedan | $372 | $848 | $480 | $28 | $144 | $1,897 | $158 |
| Civic EX-L 2-Dr Coupe | $372 | $848 | $600 | $36 | $180 | $2,061 | $172 |
| Civic Hybrid 4-Dr Sedan | $420 | $738 | $480 | $28 | $144 | $1,835 | $153 |
| Civic SI 2-Dr Coupe | $420 | $960 | $600 | $36 | $180 | $2,221 | $185 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $264 | $504 | $480 | $28 | $144 | $1,420 | $118 |
| Civic VP 4-Dr Sedan | $264 | $594 | $480 | $28 | $144 | $1,510 | $126 |
| Civic LX 4-Dr Sedan | $264 | $594 | $480 | $28 | $144 | $1,510 | $126 |
| Civic DX 2-Dr Coupe | $264 | $594 | $600 | $36 | $180 | $1,674 | $140 |
| Civic EX 4-Dr Sedan | $264 | $594 | $480 | $28 | $144 | $1,510 | $126 |
| Civic LX-S 4-Dr Sedan | $264 | $594 | $480 | $28 | $144 | $1,510 | $126 |
| Civic LX 2-Dr Coupe | $264 | $684 | $600 | $36 | $180 | $1,764 | $147 |
| Civic EX-L 4-Dr Sedan | $302 | $684 | $480 | $28 | $144 | $1,638 | $137 |
| Civic SI 4-Dr Sedan | $302 | $684 | $480 | $28 | $144 | $1,638 | $137 |
| Civic EX 2-Dr Coupe | $302 | $684 | $600 | $36 | $180 | $1,802 | $150 |
| Civic GX 4-Dr Sedan | $302 | $684 | $480 | $28 | $144 | $1,638 | $137 |
| Civic EX-L 2-Dr Coupe | $302 | $684 | $600 | $36 | $180 | $1,802 | $150 |
| Civic Hybrid 4-Dr Sedan | $340 | $594 | $480 | $28 | $144 | $1,586 | $132 |
| Civic SI 2-Dr Coupe | $340 | $774 | $600 | $36 | $180 | $1,930 | $161 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in specific location information which can impact premiums substantially.
We can derive from the above data that using a $250 deductible costs approximately $20 more each month or $240 a year than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 13 months between claim filings, you would most likely save money by going with a higher deductible.
Calculation for raising deductibles
| Average monthly premium for $250 deductibles: | $157 |
| Average monthly premium for $500 deductibles (subtract): | – $137 |
| Monthly savings from raising deductible: | $20 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $20 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
The example below demonstrates how deductible levels and can change Honda Civic insurance rates for each age group. The data assumes a married male driver, full coverage, and no discounts are taken into consideration.
Honda Civic liability-only versus full coverage
The diagram below shows the difference between Honda Civic auto insurance rates when comparing full coverage to state minimum liability only. The data assumes no violations or claims, $250 deductibles, drivers are single, and no discounts are applied to the premium.
Should you pay for full coverage or liability only?
There isn’t a steadfast formula of when to stop paying for full coverage, but there is a guideline you can consider. If the annual cost of having full coverage is 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.
For example, let’s say your Honda Civic book value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $4,000 after paying the physical damage deductible. If premium cost is more than $400 a year for your policy with full coverage, then it could be time to drop full coverage.
There are some cases where dropping full coverage is not recommended. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not buy liability only.
Auto insurance agents are professional risk managers
Some people would prefer to sit down with an agent and there is nothing wrong with that. Insurance agents are very good at helping people manage risk and help file insurance claims. One of the benefits of comparing rate quotes online is that drivers can save money and get the best rates but also keep your business local.
Upon completion of this form (opens in new window), the coverage information is instantly submitted to companies in Jersey City that can give you free Jersey City auto insurance quotes for your business. You never need to even leave your home as quotes are delivered immediately to your email address. If you have a need to get a rate quote from a specific insurance company, you would need to visit that company’s website and submit a quote form there.
Selecting an insurer shouldn’t rely on just a low price. Ask your prospective agent these questions:
- If you raise deductibles, how much can you save?
- Do they have a Better Business Bureau rating in Jersey City?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
Cheaper insurance rates are possible
As you restructure your insurance plan, it’s a bad idea to buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.
The cheapest Honda Civic insurance in Jersey City is possible on the web as well as from insurance agents, and you need to comparison shop both to have the best rate selection. A few companies do not provide online rate quotes and usually these small, regional companies provide coverage only through independent agencies.
Insureds switch companies for many reasons like extreme rates for teen drivers, poor customer service, policy cancellation or not issuing a premium refund. Regardless of your reason, switching companies is actually quite simple.
How to buy affordable Honda Civic insurance in Jersey City
The recommended way to quote cheaper car insurance rates is to do a yearly price comparison from insurance carriers in Jersey City. Rate comparisons can be done by following these steps.
First, try to understand individual coverages and the steps you can take to prevent expensive coverage. Many rating criteria that cause rate increases such as traffic violations and poor credit history can be remedied by paying attention to minor details.
Second, request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like Progressive and State Farm, while agents who are independent can provide rate quotes from many different companies.
Third, compare the new rates to your existing coverage to see if a cheaper rate is available. If you can save money, make sure there is no lapse between the expiration of your current policy and the new one.
One tip to remember is that you’ll want to compare the same liability limits and deductibles on each price quote and and to get quotes from every insurance company. This helps ensure the most accurate price comparison and and a good selection of different prices.
Even more information is available in these articles:
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- How Much are Auto Insurance Quotes for Drivers Under 25 in Jersey City? (FAQ)
- Who Has Affordable Jersey City Auto Insurance for 16 Year Olds? (FAQ)
- How Much are Car Insurance Rates for 17 Year Olds in Jersey City? (FAQ)
- Who Has Cheap Auto Insurance for Low Credit Scores in Jersey City? (FAQ)
- What Auto Insurance is Cheapest for a Company Car in Jersey City? (FAQ)
- Who Has Cheap Jersey City Car Insurance Quotes for Drivers with Bad Credit? (FAQ)
- Anti-Lock Brake FAQ (iihs.org)
- Speed and Speed Limit FAQ (iihs.org)
- Auto Insurance Basics (Insurance Information Institute)