It’s hard to believe, but most auto insurance buyers have been with the same company for over three years, and practically 40% of auto insurance customers have never compared rate quotes at all. Many consumers in New Jersey could save approximately 40% a year just by shopping around, but they just feel it’s too hard to compare rates and save money.
The best way to get more affordable Mitsubishi Outlander insurance in Jersey City is to do a yearly price comparison from insurance carriers who can sell car insurance in New Jersey. You can compare prices by following these guidelines.
- Get an understanding of the different coverages in a policy and the measures you can control to keep rates in check. Many rating criteria that are responsible for high rates like getting speeding tickets and a substandard credit score can be improved by making lifestyle changes or driving safer.
- Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from one company like GEICO or Allstate, while independent agents can provide price quotes for a wide range of companies.
- Compare the quotes to your current policy premium to see if you can save by switching companies. If you can save money and buy the policy, verify that coverage does not lapse between policies.
- Provide notification to your current agent or company of your decision to cancel the current policy. Submit a down payment along with a signed application for your new policy. As soon as you receive it, place the new proof of insurance paperwork with your registration paperwork.
A key point to remember is to compare identical coverages on every quote request and and to get rate quotes from every insurance company. Doing this guarantees the most accurate price comparison and a complete price analysis.
If you are already insured, you will most likely be able to reduce the price you pay using the ideas you’re about to read. This information will tell you the best way to quote coverages and some money-saving tips. But New Jersey vehicle owners must know the way companies charge you for coverage and use it to your advantage.
All the larger auto insurance companies like State Farm, GEICO and Progressive allow consumers to get price estimates from their websites. Getting online rates for Mitsubishi Outlander insurance in Jersey City doesn’t take a lot of time as all you need to do is type in your required coverages on the page. When the form is submitted, the company’s rating system orders reports for credit and driving violations and returns pricing information based on the information you submitted.
This simplifies rate comparisons, and it’s necessary to have as many quotes as possible if you want to find the lowest possible payments on auto insurance.
If you want to use this form to compare rates, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it’s recommended you replicate the insurance coverages exactly as they are listed on your policy. This ensures you are getting a price comparison for the exact same coverage.
The companies in the list below are ready to provide free rate quotes in Jersey City, NJ. If you want the cheapest auto insurance in Jersey City, NJ, we suggest you click on several of them to find the most affordable car insurance rates.
Mitsubishi Outlander insurance charts and tables
The premium table shown next showcases detailed analysis of insurance costs for Mitsubishi Outlander models. Having a better understanding of how car insurance premiums are determined is important for you to make smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outlander ES 2WD | $260 | $494 | $428 | $26 | $128 | $1,336 | $111 |
| Outlander SE 4WD | $260 | $494 | $428 | $26 | $128 | $1,336 | $111 |
| Outlander SE 4WD | $260 | $494 | $428 | $26 | $128 | $1,336 | $111 |
| Outlander SE 2WD | $260 | $494 | $428 | $26 | $128 | $1,336 | $111 |
| Outlander SE 2WD | $260 | $494 | $428 | $26 | $128 | $1,336 | $111 |
| Outlander ES 4WD | $260 | $494 | $428 | $26 | $128 | $1,336 | $111 |
| Outlander XLS 2WD | $294 | $582 | $428 | $26 | $128 | $1,458 | $122 |
| Outlander XLS 4WD | $294 | $582 | $428 | $26 | $128 | $1,458 | $122 |
| Outlander GT-S AWC 4WD | $294 | $582 | $428 | $26 | $128 | $1,458 | $122 |
| Outlander GT-S AWC 4WD | $294 | $582 | $428 | $26 | $128 | $1,458 | $122 |
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Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Information does not factor in zip code location which can increase or decrease prices significantly.
The diagram below demonstrates how choosing different deductibles and can affect Mitsubishi Outlander premium costs for different age groups. The rate quotes are based on a single female driver, full coverage, and no discounts are factored in.
Car insurance prices based on gender
The chart below illustrates the comparison of Mitsubishi Outlander auto insurance rates for male and female drivers. The price estimates are based on no accidents, no driving violations, comp and collision included, $500 deductibles, drivers are not married, and no additional discounts are factored in.
Difference between liability only and full coverage rates
The chart below illustrates the difference between Mitsubishi Outlander insurance premiums with full physical damage coverage compared to only buying liability only. Data assumes no claims or driving citations, $500 deductibles, single marital status, and no other discounts are factored in.
Are you wasting money paying for full coverage?
There isn’t a written rule of when to drop comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
For example, let’s assume your Mitsubishi Outlander book value is $6,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $5,000 after paying your deductible. If it’s costing in excess of $500 a year for your policy with full coverage, then it might be time to consider dropping full coverage.
There are a few situations where dropping physical damage coverage is not a good plan. If you still owe money on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not remove full coverage.
You may need specialized car insurance coverage
When quoting and choosing insurance from an agent or online for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that.
For instance, these questions could help you determine if you will benefit from professional help.
- If my Mitsubishi Outlander is totaled, can I afford another vehicle?
- When should I remove comp and collision on my Mitsubishi Outlander?
- Is my vehicle covered by my employer’s policy when using it for work?
- Where can I get insurance after a DUI in New Jersey?
- What if I don’t agree with a claim settlement offer?
- How can I find cheaper teen driver insurance?
- Am I better off with higher deductibles on my Mitsubishi Outlander?
- What are the liability requirements in my state?
If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.
Compare prices but still have a local neighborhood Jersey City car insurance agent
Some people would rather go talk to an agent and that is a personal choice. One of the great benefits of comparing insurance prices online is that drivers can save money and get cheap car insurance rates and still choose a local agent. Putting coverage with local agencies is especially important in Jersey City.
After completing this form (opens in new window), the coverage information gets sent to agents in your area who will give you quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to drive around as quotes are delivered immediately to you. You can most likely find cheaper rates and a licensed agent to talk to. If you want to get a rate quote for a specific company, don’t hesitate to search and find their rate quote page and submit a quote form there.
Types of auto insurance agents
When researching local Jersey City agents, it helps to know the two different agency structures that you can select. Jersey City agents can be classified as either independent agents or exclusive agents depending on their employer.
Independent Agents
Independent agents are not limited to a single company so they have the ability to put coverage with an assortment of companies and potentially find a lower price. To transfer your coverage to a different company, they simply switch companies in-house which requires no work on your part. If you are trying to find cheaper rates, we recommend you get insurance quotes from at a minimum one independent agency to have the best price comparison. Many can place coverage with smaller companies that can offer cheaper rates than bigger companies.
The following are independent agents in Jersey City who can help you get comparison quotes.
- Dieugrand Insurance
582 West Side Ave – Jersey City, NJ 07304 – (201) 209-1306 – View Map - Coe Insurance
2330 John F. Kennedy Blvd – Jersey City, NJ 07304 – (201) 435-4300 – View Map - ABL Insurance Services
910 Bergen Ave # 307 – Jersey City, NJ 07306 – (201) 222-1314 – View Map
Exclusive Insurance Agents
These type of agents can only quote rates from one company such as State Farm, Allstate and AAA. Exclusive agents are unable to give you multiple price quotes so it’s a take it or leave it situation. Exclusive agencies are usually well trained on their products and sales techniques which helps them sell on service rather than price. Consumers sometimes buy from the same agent for years primarily because of the prominence of the brand rather than having the cheapest rates.
Shown below is a list of exclusive insurance agents in Jersey City that can give you comparison quotes.
- Tawanda Jackson – State Farm Insurance Agent
688 NJ-440 – Jersey City, NJ 07305 – (201) 209-0290 – View Map - State Farm Insurance – Freddy Duran
1025 Summit Ave – Jersey City, NJ 07307 – (201) 604-3874 – View Map - Farmers Insurance – Mofalc Meinga
447 Central Ave – Jersey City, NJ 07307 – (201) 435-1616 – View Map
Picking an auto insurance agent requires more thought than just a cheap quote. Get answers to these questions too.
- Will the agent or a CSR service your policy?
- Are they paid to recommend certain coverages?
- Do they specialize in personal lines coverage in Jersey City?
- Are claims handled at the agent’s location?
- Do they see any coverage gaps in your plan?
Best car insurance company in Jersey City
Selecting the right insurer can be challenging considering how many different companies sell coverage in New Jersey. The ranking information listed below could help you decide which providers you want to consider when comparing rate quotes.
Top 10 Jersey City Car Insurance Companies Overall
- Mercury Insurance
- The Hartford
- Progressive
- Travelers
- State Farm
- Farmers Insurance
- Safeco Insurance
- USAA
- GEICO
- 21st Century
Top 10 Jersey City Car Insurance Companies Ranked by Claims Service
- Progressive
- USAA
- Liberty Mutual
- GEICO
- State Farm
- Nationwide
- Allstate
- 21st Century
- The Hartford
- Farmers Insurance