Surprisingly, a recent survey revealed that the vast majority of auto insurance customers in New Jersey have bought auto insurance from the same company for at least the last four years, and about 40% of consumers have never quoted auto insurance rates at all. Most drivers in America can save up to 46.5% each year just by getting comparison quotes, but they don't know how much they could save if they bought a different policy.
If you want to save money, the best way to find low-cost prices for auto insurance rates in Jersey City is to do a yearly price comparison from companies who sell auto insurance in New Jersey. Rates can be compared by completing these steps.
First, learn about coverages and the measures you can control to prevent expensive coverage. Many factors that cause rate increases such as speeding tickets, careless driving and poor credit history can be controlled by paying attention to minor details.
Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from one company like Progressive or State Farm, while agents who are independent can quote rates for many different companies.
Third, compare the new rates to the price on your current policy to see if you can save by switching companies. If you find a lower rate and change companies, make sure there is no lapse in coverage.
Fourth, tell your current agent or company to cancel your current coverage and submit the signed application along with the required initial payment to the new company. As soon as you can, safely store the certificate verifying coverage with your vehicle's registration.
An important bit of advice to remember is that you use similar limits and deductibles on each quote and and to analyze as many different companies as possible. Doing this helps ensure an accurate price comparison and a good representation of prices.
Our goal in writing this article teach you a little about the most effective way to quote insurance. If you have insurance now, you will most likely be able to find the best rates using these tips. You only have to learn the proper methods to get comparison quotes from many different companies online.
Insurance policy discounts for Volkswagen Atlas insurance in Jersey City
Insuring your vehicles can cost a lot, but there may be some discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically at the time of quoting, but less common discounts must be specially asked for prior to receiving the credit. If you aren't receiving every discount you deserve, you are not getting the best rate possible.
- Multiple Policy Discount - If you can combine your auto and home policy with one insurance company you will save at least 10% off all policies.
- Theft Prevention System - Cars and trucks optioned with advanced anti-theft systems are less likely to be stolen so companies will give you a small discount.
- No Claim Discounts - Good drivers with no accidents get the best insurance rates as compared to bad drivers.
- Multi-line Discount - If the company offers life insurance, you could get a discount if you purchase life insurance from them.
- Professional Organizations - Being a member of qualifying clubs or civic groups may earn a discount on insurance.
- Discount for New Cars - Buying a new car model can save up to 30% because new vehicles have to meet stringent safety requirements.
As is typical with insurance, some credits don't apply to your bottom line cost. Some only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, you won't be that lucky.
To choose insurance companies with significant discounts in Jersey City, click here.
The quickest way to get rate comparisons for Volkswagen Atlas insurance in Jersey City is to know the trick car insurance companies participate in online systems to give you rate quotes. To get started, all you need to do is give them rating details such as if a SR-22 is needed, if your license is active, if you lease or own, and daily mileage. Your insurance information is instantly provided to insurance companies and you get price estimates with very little delay.
To compare rates for your Volkswagen Atlas now, click here and find out if lower rates are available in Jersey City.
The following companies are ready to provide quotes in Jersey City, NJ. To buy the best auto insurance in New Jersey, we recommend you visit two to three different companies to get a more complete price comparison.
When in doubt talk to an agent
Always remember that when buying your policy, there really is not a one size fits all plan. You are unique.
For instance, these questions may help you determine if your insurance needs would benefit from an agent's advice.
- Can my teen drive my company car?
- If I use my vehicle for business use is it covered?
- What are good deductibles for a Volkswagen Atlas?
- What is GAP insurance?
- Why is insurance for a teen driver so high in Jersey City?
- Are my friends covered when driving my car?
- How much can I save by bundling my policies?
If you don't know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. If you don't have a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.
Local Jersey City insurance agents
Certain consumers just want to have an agent's advice and we recommend doing that Good insurance agents can make sure you are properly covered and help in the event of a claim. One of the benefits of comparing car insurance online is that you can find cheap car insurance quotes and still buy from a local agent. Supporting local agents is especially important in Jersey City.
To find an agent, once you fill out this quick form, the coverage information is submitted to agents in your area who want to provide quotes to get your business. You never need to contact any agents as quotes are delivered to you instantly. In the event you want to compare rates from a specific car insurance provider, just go to their quote page to submit a rate quote request.
Not all auto insurance agents are the same
If you want to use a good Jersey City insurance agent, there are a couple of types of insurance agents and how they are slightly different. Car insurance agents in Jersey City can be classified as either independent or exclusive depending on the company they work for. Both sell and service car insurance coverage, but it's a good idea to understand the difference between them since it may influence the selection process.
Independent Car Insurance Agents (or Brokers)
Agents that choose to be independent can sell policies from many different companies and that is an advantage because they can write policies amongst many companies and get the cheapest rates. If they find a lower price, they simply move the coverage in-house which makes it simple for you.
If you are trying to find cheaper rates, we recommend you get insurance quotes from several independent insurance agents in order to compare the most rates. They also have the ability to place coverage with companies you've never heard of that can offer cheaper rates than bigger companies.
Listed below are Jersey City independent agents who may be able to give you cheap rate quotes.
- Petrocci Agency
1674 John F. Kennedy Blvd # A - Jersey City, NJ 07305 - (201) 434-4760 - View Map
- Preferred Choice Insurance Agency
225 Newark Ave - Jersey City, NJ 07302 - (201) 616-7644 - View Map
- Dieugrand Insurance
582 West Side Ave - Jersey City, NJ 07304 - (201) 209-1306 - View Map
These agents have only one company to place business with and some examples include State Farm, Allstate and AAA. These agents are not able to compare other company's rates so they have to upsell other benefits. They are trained well on the products they sell and that can be a competitive advantage. Consumers often buy from exclusive agents partially due to loyalty to the company and strong financial ratings.
Listed below is a short list of exclusive insurance agencies in Jersey City that can give you rate quotes.
- State Farm Insurance - Freddy Duran
1025 Summit Ave - Jersey City, NJ 07307 - (201) 604-3874 - View Map
- Hemant Jiwnani - State Farm Insurance Agent
2770 John F Kennedy Blvd, FL-1 - Jersey City, NJ 07306 - (201) 653-1770 - View Map
- Mansa Nicome - State Farm Insurance Agent
86 NJ-35 - Neptune City, NJ 07753 - (732) 776-9999 - View Map
Finding the right insurance agent shouldn't rely on just a cheap price. Any agent in Jersey City should be forthright in answering these questions:
- Is the agent and/or agency licensed to do business in New Jersey?
- Does the agent have professional designations like CIC, CPCU or AIC?
- If independent agents, which companies do they recommend?
- Is auto insurance their primary focus in Jersey City?
- Are there any extra charges for paying monthly?
What is the best car insurance company in New Jersey?
Buying coverage from the top insurance provider is hard considering how many different insurance companies sell coverage in New Jersey. The information in the lists below could help you pick which providers to look at shopping prices with.
Top 10 Jersey City Car Insurance Companies Overall
- Mercury Insurance
- The Hartford
- State Farm
- Farmers Insurance
- Safeco Insurance
- 21st Century
Top 10 Jersey City Car Insurance Companies Ranked by Value
- The Hartford
- Mercury Insurance
- Farmers Insurance
- Safeco Insurance
- AAA Insurance
- 21st Century
- State Farm
- American Family
Car insurance coverages and their meanings
Understanding the coverages of a car insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.
Collision coverage - Collision insurance covers damage to your Atlas from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for things such as backing into a parked car, colliding with another moving vehicle, sideswiping another vehicle, hitting a mailbox and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are older. It's also possible to increase the deductible on your Atlas to save money on collision insurance.
Coverage for medical expenses - Coverage for medical payments and/or PIP kick in for bills like prosthetic devices, nursing services and chiropractic care. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible
Auto liability insurance - Liability coverage provides protection from damage that occurs to people or other property by causing an accident. It protects YOU against other people's claims. Liability doesn't cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 15/30/5 that translate to a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and a total limit of $5,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage protects against claims like medical services, attorney fees and pain and suffering. How much coverage you buy is a decision to put some thought into, but it's cheap coverage so purchase higher limits if possible. New Jersey state minimum liability requirements are 15/30/5 but drivers should carry better liability coverage.
The next chart demonstrates why buying the state minimum limits may not be high enough to cover claims.
Comprehensive car insurance - Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like fire damage, hail damage and a broken windshield. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.
Coverage for uninsured or underinsured drivers - Your UM/UIM coverage protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle's occupants and damage to your Volkswagen Atlas.
Because many people only carry the minimum required liability limits (which is 15/30/5), their limits can quickly be used up. So UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.
Cheap car insurance premiums are out there
Insureds change insurance companies for a variety of reasons including unfair underwriting practices, lack of trust in their agent, extreme rates for teen drivers and questionable increases in premium. It doesn't matter what your reason, finding a new car insurance company can be less work than you think.
We just showed you many ways to find affordable Volkswagen Atlas insurance in Jersey City. The most important thing 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 lowest priced car insurance comes from the least-expected company.
When getting Jersey City auto insurance quotes online, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice full coverage only to regret at claim time that it was a big error on their part. Your goal is to buy enough coverage at the lowest possible cost and still be able to protect your assets.
- Collision Coverage (Liberty Mutual)
- Who Has Cheap Jersey City Car Insurance Rates for a Kia Optima? (FAQ)
- Who Has Cheap Jersey City Car Insurance Quotes for Nurses? (FAQ)
- What Car Insurance is Cheapest for a Hyundai Sonata in Jersey City? (FAQ)
- Smart Auto Insurance Tips (Insurance Information Institute)
- Teen Driver Licensing Information (iihs.org)
- Young Drivers: The High Risk Years Video (iihs.org)
- Speed and Speed Limit FAQ (iihs.org)