Jersey City Auto Insurance For Less Than You're Paying Now

Shopping online for Jersey City auto insurance can seem complicated if you have never used online quotes. But relax because there is an easy way to compare rates.

Jersey City Rates are Influenced by These Factors

Consumers need to have an understanding of the different types of things that play a part in calculating auto insurance rates. Understanding what impacts premium levels enables informed choices that will entitle you to lower auto insurance prices.

Shown below are a few of the "ingredients" auto insurance companies consider when setting prices.

Frequent auto insurance claims increase rates - Companies in New Jersey award better rates to insureds who are claim-free. If you frequently file small claims, you can expect either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for larger claims.
One company can mean more discounts - Some insurers provide better rates to people who buy several policies from them. It's known as a multi-policy discount. This can amount to five, ten or even twenty percent. Even if you're getting this discount it's still a good idea to comparison shop to ensure the best deal.
Liability coverage is cheap - Your policy's liability coverage is the coverage that protects you when a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides for a legal defense starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.
Drive a safer car and pay less - Cars with high safety ratings can get you lower premiums. The safest vehicles reduce injuries and better occupant protection means less money paid by your insurance company and lower rates for you.

Don't pay full price with these discounts

Properly insuring your vehicles can get expensive, but you can get discounts that you may not know about. Some trigger automatically when you complete an application, but lesser-known reductions have to be asked about before they will apply. If they aren't giving you every credit you qualify for, you are paying more than you should be.

Federal Employees - Employees or retirees of the government can save as much as 8% with a few auto insurance companies.
Anti-theft Discount - Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
Organization Discounts - Affiliation with certain professional organizations is a good way to get lower rates when shopping for auto insurance.
Low Mileage Discounts - Low mileage vehicles can earn discounted rates on garaged vehicles.
Pay Now and Pay Less - If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
Distant Student - Kids in college who attend school more than 100 miles from home and don't have a car may be able to be covered for less.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. So when it seems like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will cut your premiums.

To choose insurance companies with discount auto insurance rates in Jersey City, click here to view.

The auto insurance bait and switch

New Jersey drivers can't ignore all the ads for cheaper car insurance by Progressive, Allstate and GEICO. They all make an identical promise about savings if you change to their company.

How do they all say the same thing? It's all in the numbers.

All companies have a certain "appetite" for the driver that makes them money. For example, a driver they prefer might be profiled as between 25 and 40, owns a home, and drives less than 10,000 miles a year. A propective insured who meets those qualifications will get the preferred rates and therefore will cut their rates substantially.

Consumers who don't measure up to the "perfect" profile will be quoted higher rates and ends up with business not being written. The ads state "customers who switch" not "everyone that quotes" save that much. That is how companies can truthfully advertise the way they do.

This emphasizes why you should get quotes from several different companies. It's not possible to predict which company will provide you with the cheapest rates.

Your personal situation dictates your coverage

When buying adequate coverage for your vehicles, there is no one size fits all plan. Every situation is different.

Here are some questions about coverages that might point out whether or not you would benefit from an agent's advice.

Am I covered if I drive in a foreign country?
Do I need special endorsements for business use of my vehicle?
Are rental cars covered under my policy?
Is my dog or cat covered if injured in an accident?
What can I do if my company won't pay a claim?
Why does it cost so much to insure a teen driver in Jersey City?
Do I pay less if my vehicle is kept in my garage?

If you're not sure about those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

For more New Jersey car insurance information

Additional information can be found on the New Jersey Department of Banking and Insurance website found here. New Jersey drivers can download brochures, read consumer alerts, and find out which companies have the most complaints.

A tidy conclusion

People leave their current company for a variety of reasons including extreme rates for teen drivers, policy cancellation, questionable increases in premium or even delays in responding to claim requests. Regardless of your reason, finding a new auto insurance company is easier than you think.

As you go through the steps to switch your coverage, you should never buy poor coverage just to save money. There are too many instances where an insured cut uninsured motorist or liability limits only to regret that the savings was not a smart move. Your strategy should be to get the best coverage possible at the best price while still protecting your assets.

Cheaper auto insurance can be sourced on the web and also from your neighborhood Jersey City agents, so you should compare both to get a complete price analysis. Some auto insurance companies may not provide online price quotes and these regional insurance providers work with independent agents.