Nobody likes buying insurance, particularly when the cost is too high.
Sad but true, most consumers kept their policy with the same company for well over three years, and 38% of drivers have never even shopped around for affordable coverage. Consumers in Jersey City can save hundreds of dollars each year just by shopping around, but they just don’t understand how much they could save if they replace their high priced policy.
How to buy lower priced Oldsmobile Bravada insurance in Jersey City
If you want to save the most money, the best way to find affordable Oldsmobile Bravada insurance is to start comparing rates regularly from insurance carriers that insure vehicles in Jersey City.
First, read and learn about how your policy works and the modifications you can make to keep rates down. Many risk factors that drive up the price like speeding tickets, careless driving and a substandard credit history can be controlled by making minor changes in your lifestyle.
Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from one company like Progressive or Farmers Insurance, while independent agents can provide rate quotes from multiple insurance companies.
Third, compare the new rates to your existing rates to determine if you can save on Bravada insurance. If you find better rates and make a switch, ensure coverage does not lapse between policies.
A good tip to remember is to make sure you’re comparing the same physical damage deductibles and liability limits on each quote request and and to analyze as many carriers as you can. Doing this helps ensure the most accurate price comparison and the best price quote selection.
Due to the large number of different company options, it is very difficult to pick a lower cost insurance company.
Shopping for the best coverage in Jersey City is actually quite simple. If you have coverage now or are looking for a new policy, use these cost-cutting techniques to reduce the price you pay without having to cut coverage. Comparison shoppers just have to know the most efficient way to compare insurance rates over the internet.
Compare Jersey City Oldsmobile Bravada insurance price quotes online
The companies in the list below have been selected to offer free rate quotes in Jersey City, NJ. If you want the best auto insurance in New Jersey, we suggest you visit several of them to get the best price comparison.
Why insurance is not optional
Despite the high cost, insurance may be required for several reasons.
- Most states have minimum liability requirements which means you are required to buy a specific minimum amount of liability coverage in order to drive the car. 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 your Oldsmobile has a loan, almost every bank will require that you have full coverage to guarantee loan repayment. If the policy lapses, the lender may have to buy a policy to insure your Oldsmobile at a more expensive rate and require you to fork over the higher premium.
- Insurance protects not only your Oldsmobile Bravada but also your financial assets. It also can pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If you have damage to your Oldsmobile as the result of the weather or an accident, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.
The benefits of having insurance outweigh the cost, particularly when you have a large claim. Today the average American driver is overpaying more than $700 annually so compare rate quotes each time the policy renews to make sure the price is not too high.
Reduce your auto insurance rates with discounts
The price of auto insurance can be rather high, but you might already qualify for some discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically when you quote, but some may not be applied and must be requested specifically prior to receiving the credit.
- Discount for Home Ownership – Owning a home in Jersey City may trigger a policy discount on auto insurance because owning a home is proof of financial responsibility.
- Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. Many companies even apply the discount to college students up to age 25.
- Discount for Swiching Early – A few larger companies give discounts for switching to them prior to your current Bravada insurance policy expiration. It’s a savings of about 10%.
- Military Rewards – Having a deployed family member could mean lower premium rates.
- Theft Deterrent System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and will save you 10% or more on Bravada insurance in Jersey City.
- Defensive Driver – Participating in a course teaching defensive driving skills may get you a small discount depending on where you live.
You should keep in mind that some credits don’t apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as medical payments or collision. Despite the appearance that it’s possible to get free car insurance, you’re out of luck.
Some of the larger companies that possibly offer these benefits possibly include:
When quoting, ask all companies you are considering which credits you are entitled to. Savings may not be offered in Jersey City. To choose insurers who offer auto insurance discounts in New Jersey, follow this link.
Are auto insurance agents of importance?
A lot of people would prefer to go talk to an agent and we recommend doing that Agents can help determine the best coverages and help file insurance claims. A good thing about getting free rate quotes online is the fact that you can find cheaper prices and still have an agent to talk to. And providing support for neighborhood insurance agencies is definitely important in Jersey City.
To help locate an agent, after submitting this quick form, your insurance data is submitted to agents in your area who will give competitive quotes and help you find cheaper coverage. You don’t have to contact an agency because quoted prices will be sent directly to you. In the event you want to quote rates from one company in particular, you can always jump over to their website to submit a rate quote request.
Not all car insurance agents are the same
If you are wanting to find a reliable agent, there are two different types of agencies that differ in how they can insure your vehicles. Agencies in Jersey City are either independent or exclusive. Both types of agents can sell and service car insurance coverage, but we need to point out the difference in how they write coverage since it could factor into the selection process.
Independent Car Insurance Agents (or Brokers)
Independent agencies are not employed by any specific company so they can insure your vehicles with multiple insurance companies and find you cheaper rates. To move your coverage to a new company, the business is moved internally and you don’t have to switch agencies.
When comparing rates, you will definitely want to get several quotes from a few independent agents to have the best price comparison.
Shown below are independent insurance agents in Jersey City who can help you get rate quotes.
GIM Agency Services Inc
263 Central Ave – Jersey City, NJ 07307 – (201) 792-4188 – View Map
Exclusive Insurance Agents
These agents normally can only provide a single company’s rates and some examples include State Farm or Allstate. Exclusive agents are unable to compare rates from other companies so always compare other rates. These agents are usually well trained on sales techniques which helps them sell insurance even at higher premiums.
Below are exclusive insurance agents in Jersey City willing to provide price quotes.
Picking an insurance agent requires you to look at more than just the bottom line cost. These are valid questions to ask:
- Can they help ensure a fair claim settlement?
- How would your car be valued if totaled?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Where would your vehicle be repaired?
- How experienced are they in personal risk management?
- Do they prorate repair cost based on vehicle mileage?
- Do you qualify for any additional discounts?
Your situation helps dictate your coverage
When selecting coverage, there is no perfect coverage plan. Your situation is unique.
These are some specific questions can help discover if your situation might need professional guidance.
- Am I covered while delivering pizza?
- Am I covered if I have no license?
- If my Oldsmobile Bravada is totaled, can I afford another vehicle?
- What does UM/UIM cover?
- Is there coverage for injuries to my pets?
- Do I benefit by insuring my home with the same company?
- Will I be non-renewed for getting a DUI or other conviction?
- Can I afford to pay high deductible claims out of pocket?
- Can my teen driver be rated on a liability-only vehicle?
- Exactly who is provided coverage by my policy?
If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.
Best car insurance in Jersey City
Ending up with a highly-rated insurance company can be challenging considering how many different companies there are to choose from in New Jersey. The ranking information shown below may help you decide which insurers you want to consider shopping prices with.
Top 10 Jersey City Car Insurance Companies Ranked by Customer Satisfaction
- The Hartford – 93%
- Progressive – 90%
- 21st Century – 89%
- USAA – 87%
- Mercury Insurance – 87%
- State Farm – 87%
- Travelers – 87%
- Safeco Insurance – 86%
- AAA Insurance – 86%
- American Family – 85%
Top 10 Jersey City Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- The Hartford
- American Family
- State Farm
- Farmers Insurance
As you prepare to switch companies, it’s a bad idea to skimp on coverage in order to save money. There are too many instances where someone dropped uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage for the lowest price.
In this article, we covered some good ideas how to save on Oldsmobile Bravada insurance in Jersey City. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the best price on car insurance is with a small mutual company.
Cheaper Oldsmobile Bravada insurance in Jersey City can be found from both online companies and with local Jersey City insurance agents, so get free Jersey City car insurance quotes from both of them to have the best chance of lowering rates. Some insurance providers may not provide the ability to get quotes online and usually these smaller companies provide coverage only through local independent agencies.
Steps to buying low-cost Oldsmobile Bravada insurance in Jersey City
If saving money is your primary concern, then the best way to get budget car insurance rates in Jersey City is to compare prices at least once a year from insurance carriers in New Jersey.
First, try to learn about what coverages are included in your policy and the steps you can take to prevent expensive coverage. Many rating criteria that result in higher prices like traffic violations, accidents, and poor credit can be amended by being financially responsible and driving safely.
Second, quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO and State Farm, while independent agents can give you price quotes for a wide range of insurance providers.
Third, compare the new rates to your existing policy to see if a cheaper price is available in Jersey City. If you can save some money and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, give proper notification to your current agent or company of your intent to cancel your current car insurance policy. Submit payment and a signed application for the new coverage. Immediately put the proof of insurance paperwork in a readily accessible location in your vehicle.
One important bit of advice is that you’ll want to make sure you compare identical deductibles and limits on each quote request and and to compare as many companies as possible. Doing this ensures the most accurate price comparison and a complete selection of prices.
For more information, take a look at the resources below:
- Smart Auto Insurance Tips (Insurance Information Institute)
- Who Has Cheap Jersey City Car Insurance for a Jeep Grand Cherokee? (FAQ)
- Who Has Cheap Jersey City Auto Insurance for Unemployed Drivers? (FAQ)
- Who Has the Cheapest Auto Insurance for a Ford Fusion in Jersey City? (FAQ)
- Who Has Cheap Jersey City Auto Insurance for a Chevrolet Equinox? (FAQ)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Side Impact Crash Tests (iihs.org)
- How to Avoid Common Accidents (State Farm)
- Insurance losses by make and model (Insurance Institute for Highway Safety)