If you want to find the absolute lowest rates, then the best way to find better pricing on auto insurance rates is to regularly compare price quotes from insurers who provide car insurance in Jersey City. Prices can be compared by following these steps.
- First, read about how companies price auto insurance and the things you can change to prevent rate increases. Many rating criteria that cause high rates such as accidents, careless driving, and a bad credit score can be rectified by making minor changes to your lifestyle.
- Second, request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO or Allstate, while independent agencies can provide prices from many different companies.
- Third, compare the quotes to the price on your current policy to determine if switching companies saves money. If you can save money, make sure coverage is continuous and does not lapse.
- Fourth, provide notification to your current company to cancel your current policy. Submit the signed application along with the required initial payment for the new coverage. Once the application is submitted, place your new certificate verifying coverage with the vehicle registration.
An essential thing to point out is that you use similar deductibles and liability limits on each quote request and and to compare as many companies as possible. Doing this helps ensure the most accurate price comparison and maximum price selection.
It’s an obvious conclusion that auto insurance companies don’t want you shop around. Consumers who compare price quotes are likely to move their business because there is a significant possibility of finding a lower-cost company. A recent survey revealed that drivers who did price comparisons regularly saved over $860 a year compared to other drivers who never compared other company’s rates.
If finding the best price on car insurance in Jersey City is the reason for your visit, learning how to get rate quotes and compare insurance rates can save money and time.
If you have coverage now or just want to reduce your rates, you can use this information to get lower rates and still get good coverage. Locating the best rates in Jersey City is actually quite easy if you know where to start. Vehicle owners just need to understand the tricks to get comparison quotes using one simple form.
Car insurance providers offering cheap rates in New Jersey
The companies shown below are our best choices to provide comparison quotes in Jersey City, NJ. To locate the cheapest car insurance in Jersey City, we suggest you visit as many as you can to get the most competitive price.
Lower-cost Jersey City auto insurance rates with discounts
Auto insurance is expensive, but there’s a good chance there are discounts to cut the cost considerably. Certain credits will be shown when you get a quote, but some must be manually applied in order for you to get them.
- Seat Belts Save more than Lives – Drivers who require all occupants to buckle up could cut 10% or more off PIP or medical payments premium.
- Safe Driver Discount – Drivers without accidents can get discounts for up to 45% lower rates than drivers with accident claims.
- Student Driver Training – Require your teen driver to enroll and complete driver’s education in high school.
- Driving Data Discount – Insureds that choose to allow companies to look at driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot may see discounts if they show good driving skills.
- Membership in Organizations – Affiliation with specific professional or occupational memberships or organizations can get you a small discount on your policy.
- Accident-Free Discounts – Good drivers with no accidents pay much less compared to insureds who have frequent claims or accidents.
- Theft Prevention Discount – Cars, trucks, and SUVs with anti-theft systems are less likely to be stolen and earn discounts up to 10% off your Jersey City auto insurance quote.
- Accident Waiver – Not really a discount, but a few companies such as GEICO, State Farm, and Progressive will turn a blind eye to one accident without getting socked with a rate hike as long as you don’t have any claims for a particular time prior to the accident.
- Defensive Driver Discounts – Participating in a course in defensive driver could save 5% or more and also improve your driving technique.
- Drive Less and Save – Maintaining low annual mileage may enable drivers to earn discounted prices on garaged vehicles.
We need to note that many deductions do not apply to the entire policy premium. Most only cut the cost of specific coverages such as liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, you aren’t that lucky.
Popular auto insurance companies and a partial list of their discounts can be found below.
- Progressive includes discounts for continuous coverage, online quote discount, good student, online signing, multi-vehicle, and multi-policy.
- MetLife may offer discounts for defensive driver, good student, multi-policy, good driver, and accident-free.
- Mercury Insurance discounts include good driver, multi-car, good student, type of vehicle, age of vehicle, and professional/association.
- Nationwide may include discounts for business or organization, family plan, Farm Bureau membership, accident-free, multi-policy, and anti-theft.
- GEICO may have discounts that include daytime running lights, air bags, anti-lock brakes, emergency military deployment, federal employee, and membership and employees.
- AAA policyholders can earn discounts including pay-in-full, good driver, anti-theft, education and occupation, AAA membership discount, multi-policy, and good student.
Before buying, ask each company which discounts you may be entitled to. Some discounts listed above may not apply in Jersey City. If you would like to see a list of providers who offer free Hyundai Entourage insurance quotes in New Jersey, click here to view.
Smart Consumers Can Slash Their Insurance Prices
When buying insurance it’s important to understand the different types of things that go into determining your insurance rates. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that can earn you big savings.
- Premiums increase with driving tickets – Careful drivers have lower premiums as compared to careless drivers. Only having one citation can increase the cost of insurance by as much as thirty percent. Drivers who get severe violations such as DUI or willful reckless driving may face state-mandated requirements to submit a SR-22 form with their state DMV in order to prevent their license from being revoked.
- Costs impacted by vehicle usage – The more you drive in a year the more you’ll pay to insure it. Many insurance companies rate vehicles determined by how the vehicle is used. Cars not used for work or commuting can get a lower rate than those that get driven frequently. An improperly rated Entourage is throwing money out the window. Double check that your vehicle rating reflects the right rating data, because it can save money.
- Lower rates come with age – Teenage drivers in New Jersey have a tendency to be inattentive and easily distracted when driving with friends therefore insurance rates are much higher. If you’ve ever had to add a youthful driver to your insurance policy can be quite pricey. Older, more experienced drivers are more responsible, statistically cause fewer accidents, and usually have better credit.
- Liability coverage – Liability insurance will provide protection in the event that you are ruled to be at fault for physical damage or personal injury to other. This coverage provides legal defense which can be incredibly expensive. Liability insurance is pretty cheap as compared to coverage for physical damage, so drivers should carry high limits.
When to have guidance from an agent
Many drivers just prefer to talk to a local agent and that is a personal choice. Professional insurance agents can help determine the best coverages and give you someone to call. An additional benefit of comparing insurance prices online is that you can obtain better rates and still have a local agent.
After completing this short form, the coverage information is emailed to local insurance agents in Jersey City who will give competitive quotes for your coverage. It simplifies rate comparisons since you won’t have to leave your house since price quotes are sent immediately to your email address. If you need to get a price quote for a specific company, don’t hesitate to search and find their rate quote page and complete a quote there.
Picking an insurer requires more thought than just a cheap price quote. Here are some questions you should ask.
- Are there any discounts that you might be missing?
- Will the company cover a rental car if your car is getting fixed?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Will the agent help in case of a claim?
- Do they make recommendations based only on price?
- Do they prorate repair cost based on vehicle mileage?
- Can you use your own choice of collision repair facility?
If you’re trying to find a reliable agent, it’s helpful to know the different types of agents and how they function. Jersey City agents may be either independent agents or exclusive agents. Both types can properly insure your vehicles, but we need to point out how they are different because it can factor into your selection of an agent.
Exclusive insurance agents normally can only provide a single company’s rates like Farmers Insurance, American Family, State Farm and Allstate. They generally cannot provide prices from multiple companies so keep that in mind. Exclusive agencies are well trained on sales techniques which can be an advantage.
The following are Jersey City exclusive agencies who may provide you with price quotes.
Independent Agencies or Brokers
Agents that choose to be independent are not employed by any specific company so they have the ability to put coverage with an assortment of companies depending on which coverage is best. If premiums increase, the business is moved internally and the insured can keep the same agent.
If you are trying to find cheaper rates, we recommend you include price quotes from independent agents to ensure the widest selection of prices.
The following is a short list of independent insurance agents in Jersey City that can give you price quotes.
1674 John F. Kennedy Blvd # A – Jersey City, NJ 07305 – (201) 434-4760 – View Map
JFK Insurance Agency
746 Bergen Ave – Jersey City, NJ 07306 – (908) 425-1544 – View Map
A little work can save a LOT of money
Some insurance companies may not provide rate quotes online and usually these regional carriers only sell coverage through local independent agents. Lower-priced auto insurance in Jersey City can be found both online and also from your neighborhood Jersey City agents, and you need to price shop both to have the best selection.
As you quote Jersey City auto insurance, it’s not a good idea to reduce needed coverages to save money. In many cases, consumers will sacrifice liability coverage limits and learned later that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage for the lowest cost, but do not sacrifice coverage to save money.
In this article, we presented quite a bit of information on how to lower your Hyundai Entourage insurance prices in Jersey City. The key concept to understand is the more you quote Jersey City auto insurance, the better your comparison will be. You may even discover the best price on auto insurance is with a small mutual company. These smaller insurers may cover specific market segments cheaper compared to the large companies like State Farm and Allstate.
Additional information can be read below:
- A Tree Fell on Your Car: Now What? (Allstate)
- What Insurance is Cheapest for a Nissan Sentra in Jersey City? (FAQ)
- How Much is Jersey City Auto Insurance for a Chevrolet Silverado? (FAQ)
- Tread Depth and Tire Safety (State Farm)
- Think You’re a Safe Driver? (State Farm)
- Vehicle Insurance in the U.S. (Wikipedia)
- Protect Yourself Against Auto Theft (Insurance Information Institute)