Trying to find cheaper insurance for a Chevy Spark in New Jersey can normally be a lot of work, but you can learn these tips and make it easy.
There are both good and bad ways to shop for car insurance and you need to know the quickest way to quote coverages for a Chevy and get the lowest possible price either online or from Jersey City insurance agents.
Where can I get the cheapest Jersey City Chevy Spark insurance?
The companies shown below have been selected to offer free quotes in New Jersey. If multiple companies are listed, it’s highly recommended you click on several of them in order to get a fair rate comparison.
Do I need special coverages?
When it comes to the right insurance coverage for your personal vehicles, there really isn’t a one size fits all plan. Your situation is unique so this has to be addressed.
These are some specific questions can aid in determining whether or not you might need professional guidance.
- Can my teen drive my company car?
- Does coverage extend to my business vehicle?
- Does coverage extend to a rental car in a foreign country?
- Does my Chevy Spark need full coverage?
- What are good deductibles for a Chevy Spark?
- When should I buy a commercial auto policy?
- Do I need to call my car insurance company before buying a new car?
- Am I covered if my car is in a flood?
- Are my company tools covered if they get stolen?
- Should I get collision insurance on every vehicle?
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, free and can provide invaluable advice.
Local agents and car insurance
Many people still prefer to buy from a local agent and that is OK! Professional agents can point out coverage gaps and give you someone to call. One of the great benefits of getting free rate quotes online is you can get cheap car insurance quotes and still have an agent to talk to. And providing support for neighborhood agents is important particularly in Jersey City.
To help locate an agent, after submitting this simple form, your insurance data gets sent to participating agents in Jersey City that provide free Jersey City auto insurance quotes for your insurance coverage. You won’t even need to find an agent on your own because quoted prices will be sent to you instantly. If for some reason you want to get a comparison quote from one company in particular, just search and find their rate quote page and fill out their quote form.
If you are searching for a good Jersey City insurance agent, it’s important to understand the types of agencies that you can choose from. Agents may be either independent (non-exclusive) or exclusive. Either one can insure your vehicles, but it’s important to know why they differ because it can impact the selection process.
Independent Car Insurance Agencies or Brokers
Independent agents do not have single company limitations so they can insure your vehicles through many different car insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply move the coverage in-house and you stay with the same agent.
If you are comparing car insurance prices, we recommend you get quotes from at least one independent agent to maximize your price options. Most can insure with companies you’ve never heard of which can be an advantage.
The following are Jersey City independent insurance agencies that can give you free car insurance quotes.
- MHM Insurance
243 Central Ave # 1 – Jersey City, NJ 07307 – (201) 721-6081 – View Map
- Petrocci Agency
1674 John F. Kennedy Blvd # A – Jersey City, NJ 07305 – (201) 434-4760 – View Map
- MOMS Insurance Agency
155 Martin Luther King Dr B – Jersey City, NJ 07305 – (201) 451-3200 – View Map
Exclusive Car Insurance Agencies
These agents can only place business with one company like State Farm, AAA, and Liberty Mutual. These agents are unable to provide other company’s prices so you might not find the best rates. Exclusive agents receive a lot of sales training on the products they sell which helps them compete with independent agents. Some insured continue to purchase coverage from exclusives mostly because of loyalty to the company instead of buying on price only.
Listed below is a list of exclusive insurance agencies in Jersey City who can help you get rate quotes.
- Mansa Nicome – State Farm Insurance Agent
86 NJ-35 – Neptune City, NJ 07753 – (732) 776-9999 – View Map
- Tawanda Jackson – State Farm Insurance Agent
688 NJ-440 – Jersey City, NJ 07305 – (201) 209-0290 – View Map
- Alberto Santana – State Farm Insurance Agent
1755 John F. Kennedy Blvd – Jersey City, NJ 07305 – (201) 332-3344 – View Map
Choosing the best car insurance agent should include more criteria than just a cheap price quote. Any agent in Jersey City should be forthright in answering these questions:
- Will you get a loaner vehicle if you car is being repaired?
- How often do they review coverages?
- Does the company use OEM repair parts?
- Does the company have a local claim office in Jersey City?
- What are the financial ratings for the companies they represent?
- Which company do they place the most coverage with?
- How will an accident affect your rates?
Ratings for Jersey City car insurance companies
Picking the right car insurance provider is hard considering how many different companies there are to choose from in Jersey City. The ranking data in the next section could help you analyze which coverage providers to look at comparing price quotes from.
Top 10 Jersey City Car Insurance Companies Overall
- Mercury Insurance
- The Hartford
- State Farm
- Farmers Insurance
- Safeco Insurance
- 21st Century