What Insurance is Cheapest for Postal Workers in Jersey City?

Establishing which companies quote the lowest-priced auto insurance rates for postal workers requires more work than just picking a company at random. Every auto insurer uses different criteria to establish rates, so let’s look at the rankings for the most affordable auto insurance companies in Jersey City.

It’s important to understand that Jersey City, NJ auto insurance rates are determined by lots of factors which can substantially change the cost of a policy. Improving your credit rating, filing a claim, or having an at-fault accident can trigger price changes resulting in some rates now being much cheaper than others.

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What’s the cheapest car insurance in New Jersey?
Rank Company Cost Per Year
1 21st Century $1,067
2 Travelers $1,145
3 New Jersey Manufacturers $1,310
4 Penn National $1,338
5 Palisades $1,382
6 California Casualty $1,481
7 The Hartford $1,536
8 Allstate $1,538
9 USAA $1,585
10 Mercury $1,587
11 Amica $1,832
12 Progressive $1,862
13 Esurance $1,913
14 MetLife $1,991
15 State Farm $2,182
16 GEICO $2,262
17 Encompass $2,303
18 Liberty Mutual $3,008
19 Hanover $3,987
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21st Century generally has some of the most affordable car insurance rates in Jersey City at around $1,067 per year. Travelers, New Jersey Manufacturers, Penn National, and Palisades would also be considered some of the best Jersey City, NJ auto insurance companies.

As depicted above, if you buy coverage from New Jersey Manufacturers and switched to 21st Century, you could see annual savings of around $243. Insureds with Penn National might save as much as $271 a year, and Palisades policyholders might see rate reductions of $315 a year.

Remember that these premiums are averages for all drivers and vehicles and do not factor in a specific location for postal workers. So the insurer that has the lowest price for you may not even be in the list above. That helps illustrate why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

For postal employees, one of the big components that are used to help calculate auto insurance rates is where you keep your vehicle. Regions with larger populations or more claims will most likely pay more, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper auto insurance prices.

The illustration below rates the most expensive cities in New Jersey for postal workers to buy an auto insurance policy in. Jersey City ranks #12 with a yearly premium of $2,253 for the average insured, which is about $188 per month.

How much is car insurance in Jersey City?
Rank City Premium Per Year
1 Newark $2,572
2 East Orange $2,495
3 West New York $2,456
4 Elizabeth $2,398
5 Union City $2,378
6 Paterson $2,376
7 Passaic $2,301
8 Kearny $2,289
9 Hoboken $2,283
10 Clifton $2,276
11 Bayonne $2,274
12 Jersey City $2,253
13 Linden $2,185
14 Camden $2,133
15 Atlantic City $2,086
16 Perth Amboy $2,081
17 Fort Lee $2,060
18 Hackensack $1,980
19 New Brunswick $1,913
20 Plainfield $1,898
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Rates are comparative as vehicle location can affect premium rates noticeably.

The example below shows how choosing a deductible can change annual premium costs when quoting cheap insurance for postal workers. The data assumes a single female driver, full physical damage coverage, and no discounts are applied to the premium.

As shown above, a 30-year-old driver could pocket $590 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $886 by changing to a $1,000 deductible. Even younger insureds, like the age 20 example, could lower their rates up to $1,322 each year by choosing a larger deductible amount. When insureds make the decision to increase the deductibles on their policy, it will be necessary to have plenty of discretionary funds to allow you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Reckless driving habits raise Jersey City auto insurance rates

The recommended way to obtain the cheapest auto insurance prices for postal employees is to drive safely and avoid accidents and keep your driving record clean. The chart below demonstrates how traffic citations and fender-benders can raise insurance costs for different insured age categories. Data assumes a single male driver, comp and collision included, $250 deductibles, and no discounts are factored in.

In the previous example, the average cost of a car insurance policy in New Jersey per year with no accidents and a clean driving record is $3,363. Add in two speeding tickets and the average cost rises to $4,462, an increase of $1,099 each year. Then throw in one accident along with the two speeding tickets and the yearly cost of auto insurance for postal workers goes up to an average of $5,583. That’s an increase of $2,220, or $185 per month, just for a couple of infractions!

Jersey City car insurance rates

New Jersey auto insurance rates are calculated based on many things that will increase or decrease the price of coverage. Simply having a birthday, having a teenage driver, or having an at-fault accident may generate price changes that can now make some companies more affordable than others.

And not only may your rating factors change, but insurers file new rates every year or even multiple times each year to adjust for gains or losses. Higher than normal claims may cause high rates, while lower claim expenses may result in lower-priced Jersey City car insurance rates.

The graph below compares the cheapest car insurance in Jersey City, NJ for a 40-year-old female driver with no accidents, a clean driving record, and a good credit rating. If we estimate prices based on her current risk profile, 21st Century might offer the cheapest car insurance rates in Jersey City at $1,451 per year. This is $401 less than the average premium paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Palisades, and Penn National are the remainder of the most affordable Jersey City, NJ auto insurance companies.

In this next rate comparison, we will give the driver from above a couple of claims, slightly worse credit, and an imperfect driving record. Since every car insurance company uses their own method for filing rates in each state, analyzing rate quotes most likely will result in a completely different list of affordable Jersey City car insurance companies as shown below.

The Hartford now has the lowest price in Jersey City, NJ with Allstate, USAA, Mercury, and Travelers completing the list. This shows why it is critical to shop around to find the cheapest auto insurance rates for postal workers. Auto insurance prices are calculated by many factors and can decrease or increase without notice, so the best option three years ago may now be an over-priced policy.

The agencies below are a good start to provide answers to your questions and help you determine which policy fits your needs best, since lots of people like to get some professional advice when comparing insurance rates for postal workers. It can be difficult to find the cheapest rate yourself, so professional agents can give you peace of mind knowing you have suitable coverage if you ever need to use it. To locate a Jersey City car insurance agency by location nearest to you, click the link after the list or click here to compare prices now.

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