It’s safe to assume that insurance companies don’t want you comparing rates. Drivers who compare rates at least once a year are likely to buy a different policy because they stand a good chance of finding coverage at a cheaper rate. A recent survey revealed that consumers who compared price quotes annually saved approximately $70 a month compared to drivers who never compared other company’s rates.
If finding discount rates on car insurance in Jersey City is the reason you’re here, then having a good understanding the best ways to shop for insurance can make it easier for you to save money.
If you want to save the most money, the best way to get low-cost Buick LaCrosse insurance in Jersey City is to do a yearly price comparison from companies in New Jersey. This can be done by following these guidelines.
- Get a basic knowledge of what is in your policy and the measures you can control to prevent high rates. Many things that cause high rates such as traffic citations and an unfavorable credit rating can be eliminated by improving your driving habits or financial responsibility.
- Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or Allstate, while independent agencies can quote prices from multiple companies. Find a Jersey City insurance agent
- Compare the new rate quotes to the premium of your current policy and see if there is a cheaper rate. If you find a better price, ensure there is no coverage lapse between policies.
- Provide written notification to your current company of your decision to cancel your current coverage and submit a down payment along with a completed application to your new agent or company. Don’t forget to place your new certificate of insurance in an accessible location in your vehicle.
The most important part of shopping around is to make sure you’re comparing identical deductibles and limits on each price quote and and to compare as many companies as feasibly possible. This provides a level playing field and a complete selection of prices.
If you are insured now, you should be able to lower your rates using the tips covered below. Quoting the lowest cost protection in Jersey City is quite easy. But New Jersey car owners must learn how companies charge you for coverage.
All the larger insurance companies like Allstate and Progressive allow consumers to get prices from their websites. Doing online price comparisons for Buick LaCrosse insurance in Jersey City doesn’t take much effort because it’s just a matter of typing in your coverage preferences on the page. After you complete the form, their rating system collects reports for credit and driving violations and gives you a price quote determined by many factors.
This makes it simple to compare prices and it’s necessary to perform this step in order to find the lowest payment.
To quickly find out how much you’re overpaying now, compare rates now from the companies shown below. If you have a policy now, it’s recommended that you enter the coverage information as close as possible to your current policy. This makes sure you will have a rate comparison using the same coverage and limits.
The companies shown below offer comparison quotes in New Jersey. If multiple companies are listed, we suggest you compare several of them to get a more complete price comparison.
Analysis of Buick LaCrosse rates
The coverage information below showcases detailed analysis of rate quotes for Buick LaCrosse models. Understanding more about how insurance prices are determined can help guide drivers when making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Lacrosse CX | $340 | $504 | $408 | $24 | $122 | $1,398 | $117 |
| Lacrosse CXL | $340 | $594 | $408 | $24 | $122 | $1,488 | $124 |
| Lacrosse CXL AWD | $340 | $594 | $408 | $24 | $122 | $1,488 | $124 |
| Lacrosse CXS | $380 | $594 | $408 | $24 | $122 | $1,528 | $127 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Price estimates do not factor in specific Jersey City garaging location which can modify prices greatly.
How high should deductibles be?
One frequently asked question is how high should the physical damage coverage deductibles be. The rates below may help to illustrate the costs and benefits when you select higher and lower coverage deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Lacrosse CX | $466 | $746 | $408 | $24 | $122 | $1,791 | $149 |
| Lacrosse CXL | $466 | $880 | $408 | $24 | $122 | $1,925 | $160 |
| Lacrosse CXL AWD | $466 | $880 | $408 | $24 | $122 | $1,925 | $160 |
| Lacrosse CXS | $520 | $880 | $408 | $24 | $122 | $1,979 | $165 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Lacrosse CX | $258 | $394 | $408 | $24 | $122 | $1,206 | $101 |
| Lacrosse CXL | $258 | $464 | $408 | $24 | $122 | $1,276 | $106 |
| Lacrosse CXL AWD | $258 | $464 | $408 | $24 | $122 | $1,276 | $106 |
| Lacrosse CXS | $288 | $464 | $408 | $24 | $122 | $1,306 | $109 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in specific location which can decrease or increase coverage prices considerably.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you roughly $53 more each month or $636 each year than buying the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go more than 17 months between claim filings, you would come out ahead if you opt for a higher deductible.
Gender-based insurance rates in Jersey City
The example below illustrates the difference between Buick LaCrosse insurance costs for male and female drivers. The premiums assume a clean driving record, no claims, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no additional discounts are factored in.
Cost comparison with and without full coverage
The illustration below shows the comparison of Buick LaCrosse insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on no tickets, no at-fault accidents, $100 deductibles, drivers are not married, and no policy discounts are applied.
When to eliminate full coverage
There is no definitive formula to exclude comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.
For example, let’s assume your Buick LaCrosse claim settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $4,000 after the policy deductible has been paid. If you are paying more than $400 a year to have full coverage, the it may be a good time to stop paying for full coverage.
There are some conditions where eliminating full coverage is not financially feasible. If you haven’t paid off your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.
Affordable rates by taking advantage of discounts
Companies do not list all possible discounts very clearly, so we researched some of the best known and the harder-to-find insurance savings.
- Onboard Data Collection – Drivers who elect to allow their insurance company to scrutinize vehicle usage by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates as long as they are good drivers.
- Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and will qualify for a discount on a Jersey City auto insurance quote.
- Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off the medical payments premium.
- Student in College – Any of your kids who are enrolled in a college that is more than 100 miles from Jersey City and do not take a car to college can receive lower rates.
- Good Driver Discounts – Drivers who avoid accidents may save up to 50% more than their less cautious counterparts.
As a footnote on discounts, most of the big mark downs will not be given to the whole policy. Most cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, insurance companies aren’t that generous.
The example below compares Buick LaCrosse premium costs with and without discounts applied to the premium. The premium estimates are based on a female driver, no violations or accidents, New Jersey state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, homeowner, multi-policy, marriage, and multi-car discounts applied.
Car insurance companies that possibly offer these discounts may include but are not limited to:
When comparing rates, check with all companies you are considering which discounts you qualify for. Savings might not be offered in Jersey City. If you would like to view companies who offer insurance discounts in New Jersey, click here to view.
Auto insurance just makes sense
Despite the high cost of buying insurance for a Buick LaCrosse in Jersey City, paying for auto insurance is mandatory in New Jersey but it also protects more than you think.
- Almost all states have mandatory liability insurance requirements which means the state requires specific limits of liability in order to get the vehicle licensed. 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.
- If you took out a loan on your LaCrosse, it’s guaranteed your bank will require you to carry insurance to ensure they get paid if you total the vehicle. If you let the policy lapse, the lender may insure your Buick at a much higher premium rate and make you pay the higher price.
- Insurance safeguards both your Buick and your personal assets. Insurance will also pay for medical transport and hospital expenses incurred in an accident. Liability insurance also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, your policy will cover the damage repairs after a deductible is paid.
The benefits of buying auto insurance greatly outweigh the cost, especially if you ever need it. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $865 each year so it’s recommended you shop around at every renewal to ensure rates are inline.
Comparing prices from local Jersey City insurance agencies
Many people prefer to go talk to an agent and doing so can bring peace of mind One of the great benefits of comparing rate quotes online is the fact that drivers can get cheap rate quotes but also keep your business local.
After filling out this quick form, your insurance coverage information is emailed to local insurance agents in Jersey City who can give free rate quotes for your insurance coverage. You don’t have to leave your house since rate quotes are delivered directly to your email. Get lower rates and a licensed agent to work with. In the event you want to compare rates from a specific auto insurance provider, you can always go to their quote page and submit a quote form there.
Choosing the best provider is decision based upon more than just a cheap quote. Any agent in Jersey City should have no problem answering these questions:
- Are they primarily personal or commercial lines agents in Jersey City?
- Do they feel the quoted coverages are adequate?
- Will you work with the agent or an assistant?
- Which companies do they recommend if they are an independent agency?
- Do the companies they represent have a solid financial rating?
- Do they have any clout with companies to ensure a fair claim settlement?
If you want to buy auto insurance from local Jersey City agents, you need to know there are two different types of agents and how they can write your policy. Auto insurance agents in Jersey City can be classified as either exclusive or independent agents depending on their company appointments.
Exclusive Auto Insurance Agencies
Agents in the exclusive channel write business for a single company such as Allstate and State Farm. They generally cannot provide other company’s prices so you might not find the best rates. Exclusive insurance agents receive a lot of sales training on their company’s products which helps offset the inability to provide other markets. Consumers sometimes buy from exclusive agents primarily because of the brand and strong financial ratings.
The following are exclusive insurance agencies in Jersey City who can help you get price quote information.
- Allstate Insurance: Emad Soliman
844 Bergen Ave – Jersey City, NJ 07306 – (201) 332-6999 – View Map - Tawanda Jackson – State Farm Insurance Agent
688 NJ-440 – Jersey City, NJ 07305 – (201) 209-0290 – View Map - Farmers Insurance – Mofalc Meinga
447 Central Ave – Jersey City, NJ 07307 – (201) 435-1616 – View Map
Independent Auto Insurance Agents
Independent agents are not restricted to one company so they have the ability to put coverage through lots of different companies and potentially find a lower price. To transfer your coverage to a different company, your agent can switch companies and the insured can keep the same agent. If you need cheaper auto insurance rates, you need to get some free quotes from independent agents to get the most accurate price comparison. Many independent agencies also insure through lesser-known insurance companies that many times have cheaper rates.
Listed below are independent agents in Jersey City that are able to give price quotes.