It’s easy to assume that car insurance companies don’t want you to look for a cheaper policy. Insureds who get price quotes annually are inclined to buy a different policy because they have a good chance of finding lower prices. A recent survey found that people who routinely shopped for cheaper coverage saved as much as $70 a month as compared to drivers who never shopped for cheaper rates.
If finding the cheapest price for insurance is your intention, then having an understanding of how to find companies and compare car insurance can help make the process easier.
The best way to get low-cost car insurance rates in Jersey City is to regularly compare price quotes from different companies who sell insurance in New Jersey. This can be done by following these guidelines.
- First, try to comprehend how auto insurance works and the things you can control to prevent expensive coverage. Many policy risk factors that increase rates such as at-fault accidents, careless driving, and a negative credit history can be controlled by paying attention to minor details. Read the full article for ideas to help reduce premium rates and earn larger discounts.
- Second, compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like GEICO or Allstate, while independent agents can provide price quotes from many different companies.
- Third, compare the quotes to your current policy premium to determine if you can save on Regal insurance in Jersey City. If you find better rates and buy the policy, ensure there is no coverage lapse between policies.
One bit of advice is to try to compare the same coverage limits and deductibles on each price quote and and to look at as many different companies as possible. This guarantees the most accurate price comparison and the most accurate and complete price analysis.
If you have insurance now, you will surely be able to reduce the price you pay using the ideas presented in this article. Finding and comparing affordable insurance in Jersey City is not as time-consuming as you think. Although New Jersey car owners need to learn how the larger insurance companies calculate your insurance rates and use it to your advantage.
How to buy Jersey City Buick Regal insurance online
Keep in mind that comparing more rates from different companies will enable you to find the best rates.
The companies shown below are ready to provide comparison quotes in New Jersey. If you want to find the cheapest car insurance in New Jersey, we suggest you visit two to three different companies to get the most affordable price.
Discounts mean cheaper rates for Buick Regal insurance in Jersey City
Car insurance companies don’t always list their entire list of discounts in a way that’s easy to find, so here is a list some of the best known and also the lesser-known ways to save on car insurance. If you do not double check each discount possible, you are paying more than you should be.
- Defensive Driving Course – Participating in a class that teaches driver safety techniques may get you a small discount and easily pay for the cost of the class.
- Accident Free – Drivers with accident-free driving histories can earn big discounts as compared to drivers who are more careless.
- Sign Online – A few larger online companies will give you a small discount for buying your policy over the internet.
- Early Payment Discounts – By making one initial payment instead of making monthly payments you can avoid monthly service charges.
- Senior Discount – Seniors may receive a slight reduction on a Jersey City car insurance quote.
- New Vehicle Savings – Buying a new car instead of a used Regal can save up to 30% compared to insuring an older model.
- ABS Braking Discount – Vehicles that have steering control and anti-lock brakes can stop better under adverse conditions and therefore earn up to a 10% discount.
As a sidenote, most discount credits are not given to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, car insurance companies aren’t that generous.
Large car insurance companies and a selection of discounts are included below.
- Progressive has discounts for multi-vehicle, continuous coverage, multi-policy, online quote discount, online signing, and homeowner.
- MetLife may include discounts for good student, accident-free, defensive driver, good driver, and multi-policy.
- Mercury Insurance may have discounts that include professional/association, multi-policy, low natural disaster claims, ease of repair, accident-free, and good driver.
- Nationwide includes discounts for multi-policy, anti-theft, defensive driving, good student, easy pay, and Farm Bureau membership.
- GEICO may offer discounts for good student, multi-vehicle, daytime running lights, emergency military deployment, anti-lock brakes, and military active duty.
- AAA offers premium reductions for multi-policy, anti-theft, pay-in-full, good driver, multi-car, good student, and education and occupation.
It’s a good idea to ask every insurance company which discounts they offer. All car insurance discounts may not be offered everywhere. To see car insurance companies that offer discounts in New Jersey, click here to view.
Ratings for Jersey City auto insurance companies
Insuring your vehicle with the top auto insurance provider can be a challenge considering how many choices drivers have in New Jersey. The ranking data shown below may help you choose which insurers you want to consider when shopping around.
Top 10 Jersey City Car Insurance Companies Ranked by Value
- The Hartford
- Mercury Insurance
- Farmers Insurance
- Safeco Insurance
- AAA Insurance
- 21st Century
- State Farm
- American Family
Smart Consumers Can Lower Their Insurance Prices
An important part of buying insurance is that you know some of the elements that play a part in calculating auto insurance rates. If you understand what determines base rates, this helps enable you to make changes that could result in cheaper rates. Lots of factors are taken into consideration when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, but some are less apparent such as your marital status or your vehicle rating.
Shown below are a few of the things utilized by car insurance companies to help set your premiums.
Is your car, truck or SUV built for speed? – The type of vehicle you are insuring makes a significant difference in your premium level. The most favorable rates will normally be found when insuring smaller low performance passenger models, but the cost you end up paying is determined by many additional factors.
Annual mileage impacts premiums – The higher the mileage driven in a year’s time the higher your rate. The majority of insurers calculate prices based upon how you use the vehicle. Cars and trucks not used for work or commuting receive better premium rates than cars that get driven a lot. An improperly rated Regal can cost quite a bit. It’s a good idea to make sure your auto insurance policy properly reflects the correct usage for each vehicle, because it can save money.
Stay claim-free and save money – If you file claims often, you can look forward to either higher rates or even cancellation. Car insurance companies in New Jersey generally give the lowest premiums to insureds who only file infrequent claims. Auto insurance is designed for more catastrophic claims.
Youthful drivers cost more – Drivers with little experience tend to get distracted easily when at the wheel of a vehicle therefore auto insurance rates are much higher. Having to add a inexperienced driver to your policy can be quite pricey. Older drivers are more cautious drivers, cause fewer claims and accidents, and are generally more financially stable.
Only buy coverage you need – There are quite a few add-on coverages that can waste your money if you don’t pay attention. Coverage for things like rental car reimbursement, towing, and extra life insurance coverage are some examples. The coverages may be enticing when buying your policy, but if they’re wasting money eliminate the coverages to reduce your premium.
Lower prices with alarm systems – Selecting a car model that has a built-in theft deterrent system can help bring down rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft and help bring rates down.
More than one policy can earn a discount – Most auto insurance companies will give lower prices for people who buy several policies from them in the form of a multi-policy discount. Discounts can add up to ten or even fifteen percent. Even though this discount sounds good, it’s in your best interest to compare other company rates to make sure you are getting the best deal.
Low physical damage deductibles mean high prices – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Buick from damage. Some examples of claims that would be covered are collision with another vehicle, hail damage, and damage caused by flying debris. The deductibles represent how much money you are required to spend out-of-pocket if you file a covered claim. The more money the insured is willing to pay, the less your company will charge you for insurance.
Insurance loss probability for a Buick Regal – Companies factor in historical loss data to calculate a price that offsets possible losses. Models that are shown to have higher claim frequency or loss amount will have higher rates.
The information below illustrates the actual insurance loss data for Buick Regal vehicles. For each insurance policy coverage type, the statistical loss for all vehicles, without regard to make or model, is considered to be 100. Numbers below 100 indicate better than average losses, while numbers shown that are more than 100 indicate a higher chance of having a claim or tendency to have higher losses.
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Buick Regal 2WD||96||92||82||104||94||97|
|Buick Regal 4WD||113||87|
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years