A recent NerdWallet.com study revealed that over 70% of drivers have been with the same company for at least the last four years, and almost half have never taken the time to shop around. Many consumers in Jersey City could pocket $700 a year, but most undervalue the amount of savings they would get if they switch to a new company.
If you want to save the most money, the best way to get discount Kia Sorento insurance in Jersey City is to begin comparing prices regularly from different companies who provide car insurance in New Jersey.
First, it will benefit you to learn about auto insurance and the things you can change to keep rates low. Many rating factors that drive up the price like inattentive driving and a low credit rating can be rectified by making lifestyle changes or driving safer. Continue reading for tips to get better rates and find discounts that may have been missed.
Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like GEICO and Allstate, while agents who are independent can provide price quotes from many different companies. Begin your rate comparison
Third, compare the new quotes to the premium of your current policy and see if you can save money. If you can save money and change companies, make sure there is no coverage gap between policies.
Fourth, give notification to your agent or company of your intention to cancel your existing policy. Submit the completed application along with a down payment for your new coverage. Immediately upon receiving it, safely store the proof of insurance certificate along with the vehicle’s registration papers.
An important note is that you’ll want to compare similar deductibles and liability limits on every price quote and and to get prices from as many different insurance providers as possible. Doing this helps ensure an accurate price comparison and a good representation of prices.
Buying the cheapest policy in Jersey City is not that difficult. Essentially everyone who compares rate quotes for insurance should be able to find lower rates. Although New Jersey consumers do need to understand the way insurance companies calculate your insurance rates.
There are several ways to compare rate quotes from many auto insurance companies in New Jersey. The best method to find competitive insurance rates is to use the internet to compare rates.
Just keep in mind that getting more free quotes helps increase your odds of locating a better price. Some regional insurers cannot provide online rate quotes, so it’s necessary to compare price estimates on coverage from those companies, too.
The following companies have been selected to offer price comparisons in New Jersey. If multiple companies are listed, we suggest you visit as many as you can to find the most affordable car insurance rates.
Get rate quotes but buy from a local Jersey City insurance agency
A small number of people would rather get professional advice from a licensed agent and that can be a great decision The biggest benefit of comparing insurance prices online is that drivers can save money and get better rates and still choose a local agent. And buying from local agents is definitely important in Jersey City.
By using this quick form, the coverage information is sent to insurance agents in Jersey City who want to provide quotes for your car insurance coverage. You won’t even need to leave your computer because quoted prices will be sent directly to your email. You can find the lowest rates and a licensed agent to talk to. If you need to get a rate quote from one company in particular, you would need to search and find their rate quote page and submit a quote form there.
The different types of auto insurance agents
When narrowing the list to find a local insurance agency, it can be helpful to understand the types of insurance agents and how they are slightly different. Car insurance agents are considered either independent agents or exclusive agents.
Agents that elect to be independent are not locked into one company and that enables them to quote your coverage with an assortment of companies and possibly get better coverage at lower prices. If you want to switch companies, your agent can just switch to a different company and you don’t have to do anything.
When comparing rates, it’s a good idea to compare quotes from several independent insurance agents to have the most options to choose from. Many can place coverage with lesser-known insurance companies that may provide cheaper car insurance rates.
Below is a partial list of independent insurance agents in Jersey City that can possibly get you free car insurance rate quotes.
- Preferred Choice Insurance Agency
225 Newark Ave – Jersey City, NJ 07302 – (201) 616-7644 – View Map
- Lou Schloss Agency Inc
31 River Ct – Jersey City, NJ 07310 – (201) 626-7589 – View Map
- Wexford Insurance
45 Laidlaw Ave – Jersey City, NJ 07306 – (201) 659-6050 – View Map
These type of agents can only provide pricing for a single company and some examples include AAA, Allstate, State Farm, or Farmers Insurance. These agents are unable to provide other company’s prices so if the price isn’t competitive there isn’t much they can do. These agents receive a lot of sales training on their company’s products which can be an advantage. A lot of people buy from exclusive agents mainly due to the prominence of the brand rather than having low rates.
Below is a short list of exclusive insurance agents in Jersey City that are able to give rate quotes.
- Hemant Jiwnani – State Farm Insurance Agent
2770 John F Kennedy Blvd, FL-1 – Jersey City, NJ 07306 – (201) 653-1770 – View Map
- Farmers Insurance – Mofalc Meinga
447 Central Ave – Jersey City, NJ 07307 – (201) 435-1616 – View Map
- State Farm Insurance – Freddy Duran
1025 Summit Ave – Jersey City, NJ 07307 – (201) 604-3874 – View Map
Finding a good insurance agency should include more criteria than just the premium amount. Any agent in Jersey City should have no problem answering these questions:
- Which companies can they place coverage with?
- Is there any savings for paying the full premium?
- Are they giving you every discount you deserve?
- Which companies do they recommend if they are an independent agency?
- Does the agent have a valid license to sell insurance in New Jersey?
- Is the quote a firm price?
- Are they in the agency full-time?
Once you have received positive responses and locked in a price quote, you have narrowed it down to an insurance agent that is reputable and can provide car insurance coverage. Just understand that you are entitled to cancel coverage for any reason so don’t think that you’re stuck with a policy indefinitely.