To save the most money, the best way to get discount car insurance rates in Jersey City is to start doing an annual price comparison from insurance carriers who provide auto insurance in New Jersey. Rates can be compared by following these steps.
First, try to learn about what coverages are included in your policy and the steps you can take to keep rates down. Many policy risk factors that increase rates such as speeding and poor credit history can be rectified by making minor changes in your lifestyle.
Second, compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from one company like Progressive or State Farm, while independent agencies can quote prices for a wide range of companies. View a list of agents
Third, compare the new quotes to your current policy to see if a cheaper rate is available. If you can save money and change companies, verify that coverage does not lapse between policies.
Fourth, notify your company or agent of your intent to cancel your existing policy. Submit the required down payment along with the signed application to your new agent or company. Once the paperwork is finalized, place your new certificate verifying proof of insurance in your glove compartment.
The key thing to know about shopping around is to try to use similar limits and deductibles on every price quote and and to get price quotes from every company you can. Doing this enables a fair price comparison and a better comparison of the market.
We don’t have to point out that fact that auto insurance companies don’t want you quoting rates from other companies. Insureds who shop around will presumably switch companies because the odds are good of finding a policy with better rates. A recent insurance study revealed that consumers who compared price quotes annually saved an average of $3,400 over four years compared to policyholders who never compared other company’s rates.
If finding the most affordable Saab 9-7X insurance in Jersey City is the reason you’re reading this, knowing how to shop and compare insurance rates can help you succeed in saving money.
If you are already insured, you will most likely be able to find better prices using this information. Pricing cheaper car insurance coverage in Jersey City is not as hard as you think. But New Jersey drivers must understand the way insurance companies charge you for coverage because it can help you find the best coverage.
When quoting car insurance, remember that quoting more will improve the odds of getting more affordable rates.
The car insurance companies shown below provide comparison quotes in Jersey City, NJ. If you want to find cheap auto insurance in Jersey City, it’s a good idea that you visit as many as you can to get a more complete price comparison.
Discounts can help to save on Saab 9-7X insurance in Jersey City
Some providers do not advertise every discount they offer in a way that’s easy to find, so we researched some of the more common and the more hidden discounts that you may qualify for.
- Discounts for New Vehicles – Buying a new car model can save you some money because newer models are generally safer.
- Drive Less and Save – Maintaining low annual mileage can earn substantially lower car insurance rates.
- Anti-lock Brake Discount – Cars and trucks with anti-lock braking systems can avoid accidents and will save you 10% or more on 9-7X insurance in Jersey City.
- No Claims – Drivers who don’t have accidents can earn big discounts when compared to drivers who are more careless.
- Include Life Insurance and Save – Select companies reward you with a small discount if you purchase some life insurance too.
- Theft Deterrent Discount – Vehicles with anti-theft systems are stolen with less frequency and that can save you a little bit as well.
- Telematics Data – Drivers that enable their insurance company to spy on driving manner remotely like Allstate’s Drivewise might see lower rates if they show good driving skills.
Discounts lower rates, but most discount credits are not given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, you aren’t that lucky.
Some of the insurance companies that have most of the discounts above include:
When getting a coverage quote, ask each insurance company to apply every possible discount. All car insurance discounts may not be available in Jersey City.
Insurance agencies can give valuable advice
A small number of people would rather go talk to an agent and that is a smart decision One of the great benefits of getting online price quotes is the fact that you can find better rates and still have an agent to talk to.
For easy comparison, once you complete this quick form, your insurance coverage information is immediately sent to participating agents in Jersey City who will give you bids for your coverage. You won’t even need to leave your house because quoted prices will be sent to the email address you provide. You can find lower rates and a licensed agent to work with. If for some reason you want to compare prices from a specific company, just search and find their rate quote page and fill out the quote form the provide.
Selecting a provider shouldn’t rely on just a cheap price. Any agent in Jersey City should be forthright in answering these questions:
- Are they in the agency full-time?
- If they are an independent agency in Jersey City, which companies do they recommend?
- How much training do they have in personal risk management?
- Is there a local claims center in Jersey City?
- Are there any extra charges for paying monthly?
- Do they get paid more for recommending certain coverages?
The difference between Jersey City car insurance agents
If you would like to find a local Jersey City insurance agent, it helps to know the two types of agencies and how they can service your needs differently. Insurance policy providers can be categorized as either independent or exclusive.
Exclusive Insurance Agencies
Exclusive insurance agents can only provide one company’s prices such as Farmers Insurance, State Farm, or Allstate. They generally cannot provide other company’s prices so you need to shop around if the rates are high. Exclusive agencies are usually well trained on sales techniques which helps overcome the inability to quote other rates. Consumers frequently buy insurance from these agents partially due to the prominence of the brand rather than low rates.
Shown below are Jersey City exclusive agencies willing to provide comparison quotes.
- Alberto Santana – State Farm Insurance Agent
1755 John F. Kennedy Blvd – Jersey City, NJ 07305 – (201) 332-3344 – View Map - Farmers Insurance – Karima Panjwani
591 Summit Ave – Jersey City, NJ 07306 – (201) 793-7525 – View Map - State Farm Insurance – Freddy Duran
1025 Summit Ave – Jersey City, NJ 07307 – (201) 604-3874 – View Map
Independent Agents
These type of agents are not employed by any specific company so they can insure your vehicles through many different insurance companies and help determine which has the cheapest rates. To move your coverage to a new company, the business is moved internally and you don’t have to find a new agent.
If you need lower rates, you definitely need to include price quotes from independent agents to have the best price comparison. They also have the ability to place coverage with lesser-known insurance companies which can save you money.
Listed below are independent agents in Jersey City that can give you comparison quotes.
- Express Insurance
775 Newark Ave – Jersey City, NJ 07306 – (201) 217-1780 – View Map - Preferred Choice Insurance Agency
225 Newark Ave – Jersey City, NJ 07302 – (201) 616-7644 – View Map - Lou Schloss Agency Inc
31 River Ct – Jersey City, NJ 07310 – (201) 626-7589 – View Map
Once you have positive responses to any questions you may have and an acceptable price quote, chances are good that you have found an auto insurance agent that can provide insurance coverage. It’s important to know that consumers can cancel your coverage at any point so never assume that you are obligated to a specific company with no way out.
New Jersey car insurance companies
Insuring your vehicle with the top car insurance company can be a challenge considering how many different insurance companies sell coverage in New Jersey. The company information in the next section can help you decide which insurers to look at purchasing coverage from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Mercury Insurance | 87 | 96 | 100 | 87% | A+ | 93.4 |
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| 21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
| Nationwide | 71 | 90 | 93 | 83% | A+ | 84.9 |
| Allstate | 69 | 92 | 92 | 83% | A+ | 84.4 |
| American Family | 77 | 96 | 80 | 85% | A | 83.8 |
| Esurance | 70 | 80 | 89 | 77% | A+ | 79.2 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Insurance coverages explained
Understanding the coverages of insurance can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.
Comprehensive insurance
This pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive can pay for things such as hitting a bird, falling objects, damage from a tornado or hurricane and hail damage. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Auto liability
Liability insurance provides protection from damage that occurs to other’s property or people in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 15/30/5 that means you have a $15,000 limit per person for injuries, $30,000 for the entire accident, and a limit of $5,000 paid for damaged property.
Liability coverage pays for things like loss of income, repair costs for stationary objects, structural damage, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible. New Jersey requires minimum liability limits of 15/30/5 but drivers should carry better liability coverage.
The illustration below demonstrates why buying minimum limits may not be adequate.
Collision insurance
Collision coverage pays for damage to your 9-7X resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like hitting a mailbox, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible on your 9-7X in order to get cheaper collision rates.
Coverage for uninsured or underinsured drivers
This provides protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Saab 9-7X.
Because many people only carry the minimum required liability limits (15/30/5), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.
Coverage for medical expenses
Medical payments and Personal Injury Protection insurance pay for expenses for pain medications, EMT expenses, dental work, X-ray expenses and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible
Cheaper car insurance is a realistic goal
When getting Jersey City car insurance quotes online, do not skimp on critical coverages to save a buck or two. In many instances, someone sacrificed full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to get the best coverage possible at a price you can afford, but don’t skip important coverages to save money.
People change insurance companies for many reasons like extreme rates for teen drivers, being labeled a high risk driver, not issuing a premium refund and policy non-renewal. Whatever your reason, finding the right car insurance provider is pretty easy and you might even save some money in the process.
Throughout this article, we presented many ideas to compare Saab 9-7X insurance premium rates in Jersey City. The key concept to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the best premium rates are with an unexpected company.
For more information, feel free to visit the following helpful articles:
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Understanding Car Crashes Video (iihs.org)