Scion xB Insurance Quotes in Jersey City

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Insurance for Scion xBAre you researching more competitive Scion xB insurance in Jersey City? Being forced to pay for expensive insurance premiums can dry up your accounts and put a big crunch on your finances. Performing a price comparison can be a smart way to cut your insurance bill.

A recent study showed that most consumers kept buying from the same company for over three years, and 38% of customers have never shopped around. Jersey City insurance shoppers could save approximately 40% every year by just comparing rate quotes, but most just don't grasp the amount of money they would save if they replace their high priced policy.

How to find the cheapest rates for Scion xB insurance in Jersey City

If saving money is your primary concern, then the best way to find better pricing on auto insurance rates in Jersey City is to do an annual price comparison from insurance carriers who sell insurance in New Jersey. You can shop around by following these guidelines.

  • First, it will benefit you to learn about the different coverages in a policy and the measures you can control to prevent rate increases. Many things that result in higher prices such as traffic violations and poor credit can be rectified by making small lifestyle or driving habit changes.
  • Second, request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from a single company like GEICO and Allstate, while agents who are independent can quote rates from multiple sources. View rates
  • Third, compare the new rate quotes to the price on your current policy and see if you can save money. If you find better rates, ensure coverage does not lapse between policies.
  • Fourth, notify your company or agent of your decision to cancel your existing policy. Submit any necessary down payment along with the completed application to your new insurance company. As soon as coverage is bound, keep the new proof of insurance certificate somewhere easily accessible.

The key thing to know about shopping around is to try to compare similar coverage information on each price quote and and to get prices from every insurance company. This helps ensure the most accurate price comparison and a complete rate analysis.

You have so many insurance companies to purchase coverage from, and although it's a good thing to have multiple companies, it can be more difficult to find a good deal for Scion xB insurance in Jersey City.

The best way to get policy rate comparisons for Scion xB insurance in Jersey City utilizes the fact most of the bigger providers have advanced systems to compare rate quotes. All consumers are required to do is spend a couple of minutes providing details including your general credit rating, driver details, if you have an active license, and types of safety features. Your rating data is instantly sent to many different companies and they respond with quotes quickly.

If you would like to start a quote now, click here and find out if you can get cheaper insurance in Jersey City.

The providers in the list below can provide free rate quotes in Jersey City, NJ. To buy the cheapest auto insurance in New Jersey, we recommend you visit as many as you can to get a more complete price comparison.

Discounts mean cheaper rates for Scion xB insurance in Jersey City

Car insurance is neither fun to buy or cheap, but there could be available discounts that can drop the cost substantially. Some discounts will apply when you quote, but a few must be requested specifically in order for you to get them.Cheaper car insurance with discounts

  • Good Student Discount - Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Defensive Driving Course - Passing a defensive driver class could cut 5% off your bill if you qualify.
  • Seat Belt Usage - Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Life Insurance Discount - If the company offers life insurance, you could get a discounted price on car insurance if you buy auto and life insurance together.
  • Data Collection Discounts - Policyholders that allow data collection to analyze driving habits by using a telematics device like In-Drive from State Farm and Progressive's Snapshot may see discounts as long as the data is positive.

Don't be surprised that some of the credits will not apply to the overall cost of the policy. Some only apply to specific coverage prices like liability and collision coverage. So when it seems like you could get a free car insurance policy, car insurance companies aren't that generous.

The chart below shows the comparison of Scion xB insurance rates with and without discounts applied to the premium. The information is based on a male driver, a clean driving record, no at-fault accidents, New Jersey state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, marriage, claim-free, safe-driver, and multi-car discounts applied.

Larger car insurance companies and some of their more popular discounts are shown below.

  • Farmers Insurance may offer discounts for teen driver, homeowner, bundle discounts, youthful driver, multi-car, and early shopping.
  • State Farm may include discounts for Steer Clear safe driver discount, good student, accident-free, multiple policy, and safe vehicle.
  • Liberty Mutual includes discounts for multi-car, preferred payment discount, safety features, exclusive group savings, good student, and teen driver discount.
  • MetLife may have discounts that include accident-free, multi-policy, good student, defensive driver, good driver, claim-free
  • Progressive offers discounts including multi-policy, homeowner, multi-vehicle, online signing, and good student.

If you need inexpensive Jersey City auto insurance quotes, ask all the companies to give you their best rates. Some of the earlier mentioned discounts may not be available in Jersey City. If you would like to view insurance companies that offer many of these discounts in New Jersey, follow this link.

Insurance rate breakdown

The table displayed below covers a range of insurance rates for Scion xB models. Learning a little about how insurance prices are figured can be valuable when making decisions when choosing a new policy provider.

Scion xB Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XB 2WD $356 $632 $544 $32 $162 $1,726 $144
Get Your Own Custom Quote Go

Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Premium amounts do not factor in vehicle location which can increase or decrease rates significantly.

Policy deductible comparison

When comparing car insurance rates, the most common question is where to set your physical damage deductibles. The rates below outline how much more rates are when you select higher and lower physical damage coverage deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second rate chart uses a $500 deductible.

Scion xB insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XB 2WD $372 $514 $480 $28 $144 $1,563 $130
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Scion xB insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XB 2WD $302 $414 $480 $28 $144 $1,368 $114
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Premium amounts do not factor in vehicle location which can raise or lower price quotes noticeably.

Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $16 more each month or $192 every year than selecting the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you have more than 16 months between claim filings, you would save more money by selecting a higher deductible.

Jersey City Insurance Rates are Influenced by These Factors

Multiple criteria are used when premium rates are determined. Some of the criteria are obvious like your driving record, but other criteria are more obscure such as your credit history or your commute time.

Listed below are a partial list of the pieces used by insurance companies to determine your premiums.

  • Additional coverages that may be costing you - There are quite a few extra add-on coverages that sound like a good idea at the time if you aren't diligent. Insurance for things like rental car reimbursement, high-cost glass coverage, and term life insurance may not be needed and are just wasting money. They may seem good when you first buy your policy, but your money might be better spent on other coverage so get rid of them and save.
  • Get married and get cheaper rates - Having a spouse helps lower the price compared to being single. Having a significant other usually means you are more stable financially and it's proven that being married results in fewer claims.
  • The higher your credit score the lower your costs - Having a bad credit rating is likely to be a major factor in your rate calculation. So if your credit score could use some work, you could pay less to insure your Scion xB by spending a little time repairing your credit. Drivers who have high credit scores tend to be better risks to insure than those with poor credit scores.
  • Know your vehicle's NHTSA crash test rating - Vehicles with high crash test scores tend to be cheaper to insure. The safest vehicles have better occupant injury protection and fewer injuries means lower claim amounts and lower rates for you.
  • Guys tend to take more risk - The statistics show women tend to be less risk to insure than men. Now that doesn't mean males are worse at driving than females. Women and men have accidents at a similar rate, but the male of the species tend to have higher claims. They also receive more major tickets such as DWI and reckless driving.

    The illustration below shows the comparison of Scion xB insurance premiums for male and female drivers. The costs are based on no accidents or driving violations, full physical damage coverage, $250 deductibles, marital status is single, and no discounts are applied.

  • Your vocation and insurance rates - Did you know your insurance rates can be affected by your occupation? Careers such as judges, police officers, and emergency personnel have higher rates than average attributed to intense work requirements and long work hours. Other professions such as professors, students and the unemployed have lower than average premiums.
  • Insure your auto and home with one company - The majority of insurance companies apply discounts for people who consolidate policies with them. It's known as a multi-policy discount. Even if you already get this discount, it's still a good idea to get quotes from other companies to guarantee you are still saving the most.
  • Your location is important - Residing in less populated areas may provide you with better prices when talking about insurance. People in densely populated areas tend to have more traffic problems and more severe claims. Lower population corresponds to lower accident rates and lower theft and vandalism rates.
  • Scion xB claim probability - Companies take into consideration historical loss data for every vehicle when setting rates for each model. Models that tend to have higher claim frequency or loss amount will have higher rates for specific coverages. The next table illustrates the historical loss data for Scion xB vehicles.

    For each type of coverage, the statistical loss for all vehicles, without regard to make or model, is set at 100. Percentage numbers below 100 indicate a favorable loss history, while values that are 100 or greater indicate higher probability of having a loss or an increased chance of a larger loss.

    Auto Insurance Loss Data for Scion xB Models
    Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Scion xB 86 92 89 148 127 116

    Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Local Jersey City insurance agents and auto insurance

Many people just prefer to buy from a licensed agent and that is just fine! Professional insurance agents are very good at helping people manage risk and help you file claims. The best thing about getting free rate quotes online is that drivers can save money and get cheap rate quotes but also keep your business local. Supporting local insurance agencies is important especially in Jersey City.

Jersey City insurance agentsTo help locate an agent, after submitting this form (opens in new window), the quote information is emailed to companies in Jersey City who will gladly provide quotes to get your business. You don't have to contact an agency because quoted prices will be sent immediately to your email address. If you wish to compare prices from a specific auto insurance provider, you just need to jump over to their website and submit a quote form there.

If you prefer to buy auto insurance from a reputable insurance agent or broker, it helps to know the two types of insurance agents and how they differ in how they quote coverages. Auto insurance agencies can be described as either exclusive or independent. Both types of agents can properly insure your vehicles, but it's good to learn the difference in how they write coverage since it can impact buying decisions.

Independent Auto Insurance Agents

Agents that elect to be independent are not employed by any specific company and that is an advantage because they can write policies with an assortment of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, an independent agent can move your coverage which is easy for the insured. When comparing auto insurance prices, we recommend you get rate quotes from at a minimum one independent agency to get the most accurate price comparison.

Below is a partial list of independent insurance agencies in Jersey City who can help you get free auto insurance rate quotes.

Sam's Insurance and Travel
3396 John F. Kennedy Blvd - Jersey City, NJ 07307 - (201) 659-6800 - View Map

JFK Insurance Agency
746 Bergen Ave - Jersey City, NJ 07306 - (908) 425-1544 - View Map

155 Martin Luther King Dr B - Jersey City, NJ 07305 - (201) 451-3200 - View Map

More insurance agents

Exclusive Agencies

Exclusive agencies can only provide one company's prices like State Farm, Allstate, and Farm Bureau. They generally cannot shop your coverage around so they have to upsell other benefits. Exclusive insurance agents are highly trained in insurance sales which can be an advantage.

Shown below is a list of exclusive insurance agents in Jersey City that can give you price quote information.

86 NJ-35 - Neptune City, NJ 07753 - (732) 776-9999 - View Map

2770 John F Kennedy Blvd, FL-1 - Jersey City, NJ 07306 - (201) 653-1770 - View Map

1755 John F. Kennedy Blvd - Jersey City, NJ 07305 - (201) 332-3344 - View Map

More insurance agents

Finding the right insurance agent needs to be determined by more than just the quoted price. Ask your prospective agent these questions:

  • Do the coverages you're quoting properly cover your vehicle?
  • Are they full-time agents?
  • How long have they been in business?
  • How would your car be valued if totaled?
  • How often do they review coverages?
  • Do you work with a CSR or direct with the agent?
  • Is the agency active in community causes in Jersey City?

If you feel you receive acceptable answers for all questions you ask and cheap xB insurance quotes, it's a good possibility that you have found an insurance agent that meets the criteria to provide auto insurance coverage.

Compare but don't skimp

You just learned some good ideas how to find cheaper Scion xB insurance in Jersey City. The key concept to understand is the more you quote Jersey City auto insurance, the better likelihood of getting affordable Jersey City auto insurance quotes. You may even be surprised to find that the most savings is with an unexpected company. They may have significantly lower prices on certain market segments as compared to the big name companies such as Allstate or State Farm.

Affordable Scion xB insurance in Jersey City can be found from both online companies and from local agencies, so get free Jersey City auto insurance quotes from both of them to have the best selection. A few companies may not have online price quotes and usually these smaller companies sell through independent agencies.

Steps to buying discount Scion xB insurance in Jersey City

It takes a few minutes, but the best way to get discount Scion xB insurance is to do a yearly price comparison from companies in Jersey City. Rate comparisons can be done by following these steps.

  1. Gain an understanding of how companies price auto insurance and the measures you can control to prevent expensive coverage. Many factors that result in higher prices like accidents, careless driving, and a negative credit history can be rectified by making small lifestyle or driving habit changes.
  2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from a single company like Progressive and State Farm, while agents who are independent can quote rates from many different companies.
  3. Compare the price quotes to your current policy premium to determine if you can save on xB insurance. If you find a lower rate, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Provide proper notification to your current company of your decision to cancel your current coverage and submit payment and a signed application to the new company. Once the application is submitted, put the new proof of insurance certificate with your registration paperwork.

One piece of advice is to try to use the same physical damage deductibles and liability limits on every quote and and to get rate quotes from as many different companies as possible. This guarantees a level playing field and the best rate selection.

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