Cheapest Insurance for a Saturn Outlook in Jersey City

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Insurance quote for Saturn Outlook in Jersey CityWant to learn how to buy low-cost insurance rates in Jersey City, NJ? Jersey City buyers have a choice when searching for affordable Saturn Outlook insurance. You can either spend your time struggling with agents getting price quotes or use the internet to compare rates.

There is a right way and a wrong way to buy insurance so we're going to tell you the best way to get price quotes on a Saturn and find the lowest possible price.

The purpose of this article is to teach you a little about how car insurance quotes work and some money-saving tips. If you have a policy now, you will surely be able to cut your premiums using this strategy. Vehicle owners just have to learn how to quote multiple rates online.

Best companies for Saturn Outlook insurance

The companies shown below are our best choices to provide free quotes in New Jersey. To buy the best auto insurance in Jersey City, we suggest you visit as many as you can to get the lowest price.

Saturn Outlook insurance charts and tables

The coverage table shown next outlines detailed analysis of coverage costs for Saturn Outlook models. Knowing how premiums are formulated can assist in making decisions when shopping around.

Saturn Outlook Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlook XE 2WD $330 $494 $490 $30 $146 $1,490 $124
Outlook XV 2WD $330 $494 $490 $30 $146 $1,490 $124
Outlook XE Premium 2WD $368 $582 $490 $30 $146 $1,616 $135
Outlook XE AWD $368 $582 $490 $30 $146 $1,616 $135
Outlook XE Premium AWD $368 $582 $490 $30 $146 $1,616 $135
Outlook XR-L 2WD $368 $582 $490 $30 $146 $1,616 $135
Outlook XR-L AWD $368 $582 $490 $30 $146 $1,616 $135
Outlook XR-L Premium 2WD $368 $582 $490 $30 $146 $1,616 $135
Outlook XR-L Premium AWD $368 $582 $490 $30 $146 $1,616 $135
Get Your Own Custom Quote Go

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rate information does not factor in vehicle location which can influence auto insurance rates significantly.

Deductible analysis

One of the more difficult decisions when buying car insurance is how high should the physical damage coverage deductibles be. The figures shown below determine the cost difference of buying low and high policy deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second price chart uses a $1,000 deductible.

Saturn Outlook insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlook XE 2WD $420 $626 $480 $28 $144 $1,723 $144
Outlook XV 2WD $420 $626 $480 $28 $144 $1,723 $144
Outlook XE Premium 2WD $466 $738 $480 $28 $144 $1,881 $157
Outlook XE AWD $466 $738 $480 $28 $144 $1,881 $157
Outlook XE Premium AWD $466 $738 $480 $28 $144 $1,881 $157
Outlook XR-L 2WD $466 $738 $480 $28 $144 $1,881 $157
Outlook XR-L AWD $466 $738 $480 $28 $144 $1,881 $157
Outlook XR-L Premium 2WD $466 $738 $480 $28 $144 $1,881 $157
Outlook XR-L Premium AWD $466 $738 $480 $28 $144 $1,881 $157
Get Your Own Custom Quote Go
Saturn Outlook insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlook XE 2WD $258 $394 $480 $28 $144 $1,304 $109
Outlook XV 2WD $258 $394 $480 $28 $144 $1,304 $109
Outlook XE Premium 2WD $288 $464 $480 $28 $144 $1,404 $117
Outlook XE AWD $288 $464 $480 $28 $144 $1,404 $117
Outlook XE Premium AWD $288 $464 $480 $28 $144 $1,404 $117
Outlook XR-L 2WD $288 $464 $480 $28 $144 $1,404 $117
Outlook XR-L AWD $288 $464 $480 $28 $144 $1,404 $117
Outlook XR-L Premium 2WD $288 $464 $480 $28 $144 $1,404 $117
Outlook XR-L Premium AWD $288 $464 $480 $28 $144 $1,404 $117
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can modify prices greatly.

We can derive from the above data that using a $250 deductible will cost in the ballpark of $39 more each month or $468 every year across all Saturn Outlook models than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 19 months between claim filings, you would come out ahead if you choose a higher deductible.

The information below demonstrates how deductibles and can increase or decrease Saturn Outlook annual premium costs for different age groups. The premium estimates are based on a married male driver, full coverage, and no discounts are factored in.

Discount Jersey City auto insurance quotes

Auto insurance companies do not advertise all available discounts very clearly, so the following list contains some of the more common as well as some of the hidden auto insurance savings.

  • Driver's Ed - Require your teen driver to enroll in driver's education as it will make them better drivers and lower rates.
  • Discount for Multiple Policies - If you combine your home and auto policies and insure them with the same company you could earn a discount of up to 20% off your total Outlook insurance premium.
  • Home Ownership Discount - Simply owning a home may trigger a policy discount on auto insurance because owning a home demonstrates responsibility.
  • Active Service Discounts - Having an actively deployed family member could be rewarded with lower rates.
  • Paperwork-free - Some companies may give you up to $50 for buying your policy over the internet.
  • Discounts for New Vehicles - Insuring a vehicle that is new can save up to 30% since new model year vehicles have better safety ratings.

Just know that most discounts do not apply to the overall cost of the policy. Most only apply to individual premiums such as comprehensive or collision. Even though the math looks like all the discounts add up to a free policy, you're out of luck.

The illustration below shows the comparison of Saturn Outlook car insurance costs with and without discounts being applied to the rates. The premiums are based on a male driver, no claims or driving violations, New Jersey state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, multi-car, safe-driver, claim-free, and homeowner discounts applied.

Insurance companies that may offer some of the above discounts may include but are not limited to:

When comparing rates, check with each company or agent the best way to save money. Discounts may not apply to policyholders in every state. To find providers that have a full spectrum of discounts in Jersey City, click here.

Insurance agents can help

When choosing the best auto insurance coverage, there isn't really a "best" method to buy coverage. Everyone's situation is a little different.

For example, these questions could help you determine if your insurance needs may require specific advice.

  • Am I covered if I back into my garage door?
  • How can I get my company to pay me more for my totaled car?
  • If I use my vehicle for business use is it covered?
  • What is GAP insurance?
  • Is other people's property covered if stolen from my vehicle?
  • Will filing a claim cost me more?
  • Does my policy cover my teen driver if they drive my company car?

If you can't answer these questions but you know they apply to you, you may need to chat with an agent. If you don't have a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Local neighborhood Jersey City car insurance agents

Many drivers just want to sit down and talk to an agent and that is a smart decision Insurance agents are highly skilled in risk management and help submit paperwork. One of the benefits of getting online price quotes is the fact that you can find cheaper prices and still buy from a local agent. And supporting local agencies is important particularly in Jersey City.

Jersey City insurance agentsTo make it easy to find an agent, after completing this quick form, your information is instantly submitted to participating agents in Jersey City who will give you quotes for your insurance coverage. There is no reason to leave your house because prices are sent to you instantly. If you want to quote rates from a specific insurance company, don't hesitate to jump over to their website and give them your coverage information.

If you want a reliable insurance agent, you need to know there are two different types of agencies and how they are distinctly different. Insurance agents in Jersey City are considered either exclusive or independent agents depending on their company appointments. Both types can sell insurance policies, but it's worth mentioning why they differ because it can impact your agent selection.

Independent Agencies or Brokers

Independent agencies are not locked into one company and that enables them to quote your coverage with an assortment of companies and find the cheapest rate. If they find a cheaper price, the agent simply finds a different carrier and you can keep the same agent. When shopping rates, it's a good idea to include rate quotes from a few independent agents so that you can do a thorough price comparison. Most can insure with different regional companies which may provide better rates.

The following is a short list of independent agents in Jersey City that may be able to give free insurance rate quotes.

  • 300 Exchange Pl - Jersey City, NJ 07311 - (201) 743-4000 - View Map
  • MHM Insurance
    243 Central Ave # 1 - Jersey City, NJ 07307 - (201) 721-6081 - View Map
  • Diaz Insurance Agency
    815 Bergenline Ave - Union City, NJ 07087 - (201) 348-1288 - View Map

More Jersey City agents

Exclusive Insurance Agents

Exclusive agents have only one company to place business with and some examples include Farmers Insurance or State Farm. Exclusive agents are unable to provide prices from multiple companies so if the price isn't competitive there isn't much they can do. Exclusive agents are highly trained on their products and sales techniques and that allows them to sell at a higher price point. Some people will only use the same agent mostly because of the prominence of the brand rather than low rates.

Listed below is a list of exclusive insurance agents in Jersey City who can help you get comparison quotes.

More Jersey City agents

Choosing an insurance agent is decision based upon more than just a cheap quote. Any agent in Jersey City should be forthright in answering these questions:

  • Can you get a list of referrals?
  • How will an accident affect your rates?
  • Are they primarily personal or commercial lines agents in Jersey City?
  • How long has their agency been in business in Jersey City?
  • Can they help ensure a fair claim settlement?

Quote more and you will save more

More affordable auto insurance in Jersey City is definitely available on the web as well as from independent agents in Jersey City, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not provide online quoting and usually these regional carriers only sell through independent insurance agencies.

We've covered a lot of information how to get a better price on Saturn Outlook insurance in Jersey City. It's most important to understand that the more rate quotes you have, the better your comparison will be. Drivers may even discover the lowest priced auto insurance comes from an unexpected company.

While you're price shopping online, never skimp on coverage in order to save money. There have been many situations where drivers have reduced uninsured motorist or liability limits only to find out they didn't purchase enough coverage. Your objective should be to find the BEST coverage for the lowest cost, but do not skimp to save money.

Steps to buying lower priced Saturn Outlook insurance in Jersey City

To save the most money, the best way to find low-cost auto insurance rates is to start doing a yearly price comparison from companies in Jersey City.

First, try to learn about how insurance companies determine prices and the things you can control to prevent high rates. Many rating criteria that drive up the price like speeding tickets, careless driving and an unacceptable credit history can be controlled by making minor changes to your lifestyle.

Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like GEICO or State Farm, while agents who are independent can provide price quotes for a wide range of insurance providers. View a list of agents

Third, compare the new rates to your current policy premium and see if there is a cheaper rate in Jersey City. If you find a lower rate quote, ensure there is no coverage lapse between policies.

The most important part of shopping around is to try to use the same physical damage deductibles and liability limits on each quote and and to get rates from as many companies as possible. This provides a fair rate comparison and the most accurate and complete price analysis.

Additional auto insurance information is available at the links below