Compare Nissan Altima Insurance Rates in Jersey City

It’s an obvious assumption that insurance companies don’t want you shop around. People who shop rates annually will, in all likelihood, move their business because there is a good probability of finding a more affordable policy premium. A study discovered that people who compared rates once a year saved on average $865 annually compared to those who don’t regularly compare prices.

If finding the best price on Nissan Altima insurance is your intention, knowing how to compare insurance can make it easier for you to save money.

If saving money is your primary concern, then the best way to get discount car insurance rates in Jersey City is to compare quotes once a year from different companies that insure vehicles in New Jersey.

• First, read about the coverage provided by your policy and the measures you can control to keep rates low. Many policy risk factors that result in higher rates such as accidents, traffic tickets, and a lousy credit rating can be rectified by improving your driving habits or financial responsibility.
• Second, quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive and State Farm, while independent agents can quote rates for many different companies.
• Third, compare the quotes to your existing coverage to see if switching to a new carrier will save money. If you can save money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
• Fourth, provide proper notification to your current company of your decision to cancel your current coverage and submit any necessary down payment along with the completed application to the newly selected company. Immediately upon receiving it, place the new certificate of insurance along with the vehicle’s registration papers.

A good tip to remember is to try to use identical limits and deductibles on every price quote and and to compare as many auto insurance providers as possible. This helps ensure an accurate price comparison and a better comparison of the market.

If you’re already insured or are looking for a new policy, you can use these techniques to save money while maintaining coverages. Finding the cheapest car insurance coverage in Jersey City is quite easy. Drivers just need to understand the most efficient way to get comparison quotes from many different companies.

The companies in the list below provide comparison quotes in New Jersey. If your goal is to find cheap car insurance in New Jersey, we suggest you click on several of them to get the most competitive price.

Do you qualify for these ten discounts?

Some insurers don’t list every discount they offer very well, so we took the time to find some of the more common and also the lesser-known credits that may apply to you. If you are not receiving all the discounts available, you could be getting lower rates.

• Discount for Swiching Early – A few companies give discounts for switching companies before your current Altima insurance policy expires. It could save around 10% when you buy Jersey City car insurance online.
• Military Rewards – Having an actively deployed family member could qualify you for better prices.
• Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a discounted price on car insurance if you buy life insurance from them.
• Driver’s Ed – Teen drivers should enroll and complete driver’s education in school or through a local driver safety program.
• Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you may have a lower total premium amount.
• Drive Safe and Save – Drivers without accidents may save up to 50% more compared to accident prone drivers.
• No Claim Discounts – Drivers with accident-free driving histories have much lower rates when compared to bad drivers.
• Government Employee Discount – Simply working for the federal government could provide a small rate reduction with select insurance companies.
• Student in College – Kids who live away from home to go to college and do not take a car to college may be insured at a cheaper rate.
• Discount for Good Grades – This discount may save as much as 25% on a Jersey City car insurance quote. You can use this discount normally until age 25.

A quick disclaimer, most discounts do not apply to the entire cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, nobody gets a free ride.

The information below shows the difference between Nissan Altima yearly insurance costs with and without discounts applied to the policy premium. The information is based on a female driver, no accidents or driving violations, New Jersey state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, marriage, multi-car, multi-policy, and claim-free discounts applied.

Car insurance companies who may offer these money-saving discounts possibly include:

• State Farm
• Farmers Insurance
• Progressive
• GEICO
• Auto-Owners Insurance
• The Hartford
• Farm Bureau
• USAA

Before you buy a policy, ask all the companies how you can save money. A few discounts might not apply in Jersey City.

Rates and data analysis

The premium table below highlights detailed analysis of coverage costs for Nissan Altima models. Being aware of how prices are established can help guide drivers when making smart choices when comparing insurance quotes.

Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Premium costs do not factor in vehicle location which can revise prices greatly.

Choosing deductibles

One frequently asked question is at what level do you set your deductibles. The figures shown below sum up the differences in price between high and low coverage deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rate information does not factor in zip code location which can alter prices significantly.

Using the premium rates above, we can conclude that using a $100 deductible costs approximately $54 more each month or $648 a year than quoting the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 17 months between claims, you would save more money if you choose a higher deductible.

Should you buy full coverage?

The example below visualizes the comparison of Nissan Altima annual premium costs with full physical damage coverage and with liability coverage only. The premium estimates are based on no violations or accidents, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.

When to buy liability coverage only

There is no specific rule to stop buying comp and collision coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let’s say your Nissan Altima replacement cost is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $2,000 after you pay the deductible. If it’s costing you more than $200 annually for comprehensive and collision coverage, then it might be time to buy liability only.

There are some cases where removing full coverage is not in your best interest. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

You may want advice from a local insurance agent

Some people just prefer to get professional advice from a licensed agent and that is OK! Professional agents can help you build your policy and help submit paperwork. The best thing about comparing rate quotes online is that you can obtain lower rates but also keep your business local.

After filling out this short form, your coverage information is transmitted to companies in Jersey City who will give you quotes for your coverage. You don’t have to contact any insurance agencies since rate quotes are delivered immediately to your email address. In the event you want to compare rates from a specific company, you can always find their quoting web page and submit a quote form there.

Choosing the best company shouldn’t rely on just the price. Get answers to these questions too.

• Are claim adjusters local or do you have to take your car somewhere else?
• Will the agent or a CSR service your policy?
• Can you choose the body shop in case repairs are needed?
• Are they full-time agents?
• How does the company pay claims for a total loss?
• Do they have cheaper tiers of coverage?
• How many years have they been established?

Pick the best car insurance agent in Jersey City for you

If you are searching for a local Jersey City insurance agency, it’s helpful to know the types of agencies that you can choose from. Car insurance agents in Jersey City can be described as either independent agents or exclusive agents depending on their employer. Both types of agents can properly insure your vehicles, but it’s a good idea to understand why they differ since it may influence the type of agent you choose.

Exclusive Insurance Agencies

Exclusive agencies work for only one company and examples are Farmers Insurance, State Farm, Allstate, and AAA. They are unable to provide prices from multiple companies so they are skilled at selling on more than just price. These agents receive extensive training on sales techniques which helps them sell on service rather than price.

The following are exclusive agencies in Jersey City who can help you get rate quotes.

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Independent Agents

These type of agents are not restricted to one company so they can insure your vehicles through lots of different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the agent simply finds a different carrier which makes it simple for you. When comparing car insurance prices, you need to contact several independent agencies for the best price selection.

Shown below is a short list of independent agents in Jersey City willing to provide comparison quotes.

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Once you have good responses to all your questions as well as a affordable price, you have narrowed it down to an auto insurance agent that meets your needs to insure your vehicles. Keep in mind you can terminate your policy whenever you wish so don’t feel you’re contractually obligated to any specific company for the full policy term.

Will just any policy work for me?

Always keep in mind that when comparing coverage, there really isn’t a cookie cutter policy. Everyone’s situation is unique.

For example, these questions might point out if your situation would benefit from an agent’s advice.

• Do I have newly-acquired coverage?
• Is my state a no-fault state?
• At what point should I drop full coverage?
• What if I total my Nissan Altima and owe more than it’s worth?
• Am I covered if I wreck a rental car?
• When can my company non-renew my policy?
• What is an adequate liability insurance limit?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Three reasons auto insurance is important

Despite the high insurance cost for a Nissan Altima in Jersey City, paying for auto insurance is required by state law in New Jersey and it also provides benefits you may not be aware of.

• Almost all states have mandatory insurance requirements which means state laws require specific limits of liability insurance coverage if you don’t want to risk a ticket. In New Jersey these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If your Nissan has a loan, it’s most likely the lender will have a requirement that you buy insurance to guarantee payment of the loan. If coverage lapses or is canceled, the bank may insure your Nissan at a significantly higher premium and require you to fork over for the expensive policy.
• Insurance safeguards not only your vehicle but also your assets. It will also pay for many types of medical costs for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance will also pay to defend you if you are sued as the result of your driving. If you have damage to your Nissan as the result of the weather or an accident, comprehensive and collision coverage will pay to repair the damage.

The benefits of having insurance definitely exceed the cost, particularly if you ever have a claim. But the average driver in New Jersey is overpaying more than $820 a year so it’s important to compare rates once a year at a minimum to be sure current rates are still competitive.

Car insurance policy coverages for a Nissan Altima

Having a good grasp of your policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Liability car insurance

Liability insurance can cover injuries or damage you cause to other people or property in an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 15/30/5 which means a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and a limit of $5,000 paid for damaged property.

Liability coverage protects against claims like emergency aid, structural damage and bail bonds. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford. New Jersey requires drivers to carry at least 15/30/5 but you should think about purchasing more liability than the minimum.

The chart below shows why minimum state limits may not provide adequate coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Nissan Altima.

Since many New Jersey drivers have only the minimum liability required by law (New Jersey limits are 15/30/5), their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Coverage for collisions

This covers damage to your Altima from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like hitting a mailbox, sustaining damage from a pot hole, scraping a guard rail, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible on your Altima to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like rock chips in glass, hitting a bird, damage from a tornado or hurricane and falling objects. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for immediate expenses like hospital visits, EMT expenses and nursing services. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

New Jersey auto insurance company ratings

Insuring your vehicle with the right auto insurance provider can be challenging considering how many companies there are in New Jersey. The ranking data in the next section could help you select which companies you want to consider purchasing a policy from.

Top 10 Jersey City Car Insurance Companies Ranked by Customer Service

1. Mercury Insurance
2. The Hartford
3. American Family
4. Progressive
5. GEICO
6. USAA
7. State Farm
8. Travelers
9. Farmers Insurance
10. Allstate

Top 10 Jersey City Car Insurance Companies by A.M. Best Rank

1. GEICO – A++
2. Travelers – A++
3. State Farm – A++
4. USAA – A++
5. Allstate – A+
6. Nationwide – A+
7. Mercury Insurance – A+
8. Progressive – A+
9. The Hartford – A+
10. Esurance – A+

Lower rates by being persistent

We just presented quite a bit of information on how to reduce Nissan Altima insurance premium rates online in Jersey City. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the most savings is with the smaller companies.

Consumers switch companies for many reasons like being labeled a high risk driver, poor customer service, delays in paying claims or high prices. Regardless of your reason, switching companies is pretty simple and you could end up saving a buck or two.

The cheapest Nissan Altima insurance in Jersey City can be found from both online companies and also from your neighborhood Jersey City agents, and you need to price shop both to have the best selection. Some car insurance companies do not offer the ability to get a quote online and most of the time these smaller companies only sell coverage through local independent agencies.

More learning opportunities

• Liability Insurance Coverage (Nationwide)
• Who Has Cheap Jersey City Car Insurance Rates for a Kia Optima? (FAQ)
• What Insurance is Cheapest for a 20 Year Old Female in Jersey City? (FAQ)
• What Car Insurance is Cheapest for a Hyundai Sonata in Jersey City? (FAQ)
• How Much are Car Insurance Rates for a Jeep Wrangler in Jersey City? (FAQ)
• Who Has Cheap Jersey City Car Insurance Rates for Single Moms? (FAQ)
• Who Has Cheap Car Insurance Quotes for Teenage Males in Jersey City? (FAQ)
• Tread Depth and Tire Safety (State Farm)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• No-Fault Auto Insurance Statistics (Insurance Information Institute)
• Frontal Crash Tests (iihs.org)