Affordable Dodge Viper Insurance in Jersey City

Truthfully, the best way to save on auto insurance rates in Jersey City is to compare prices at least once a year from providers who sell auto insurance in New Jersey. You can shop around by completing these steps.

• First, learn about the different coverages in a policy and the modifications you can make to drop your rates. Many policy risk factors that drive up the price like speeding and an unacceptable credit history can be improved by paying attention to minor details.
• Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO and State Farm, while independent agents can quote prices from multiple insurance companies. Compare rates now
• Third, compare the new rate quotes to your existing rates and determine if cheaper Viper coverage is available in Jersey City. If you find better rates and switch companies, ensure there is no coverage lapse between policies.
• Fourth, tell your current agent or company to cancel your current car insurance policy. Submit a completed application and payment to the new company. When you receive it, put the certificate of insurance with your registration paperwork.

The key thing to know about shopping around is that you’ll want to make sure you compare similar coverage information on every price quote and and to get rates from as many companies as possible. This helps ensure the most accurate price comparison and a complete price analysis.

Unthinkable but true, about 70% of customers kept their policy with the same company for four years or more, and approximately 40% of consumers have never even compared rates from other companies. With the average insurance premium being $2,009, New Jersey drivers can save hundreds of dollars each year, but they just assume it’s a time-consuming process to find cheap insurance by shopping around.

If you have insurance now or are just looking to switch companies, use these tips to cut your premiums without reducing coverage. Buying the cheapest insurance in Jersey City is much easier if you have a good place to start. You only need to know the fastest way to compare company rates from many different companies online.

Determine discounts on Jersey City car insurance

Companies that sell car insurance don’t always publicize every discount available very well, so the following list contains a few of the more well known as well as the least known credits that may apply to you.

• Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with substantially lower premium rates.
• Discounts for Multiple Vehicles – Purchasing coverage when you have multiple vehicles with one company can get a discount on all vehicles.
• Smart Student Discounts – This discount can earn a discount of 20% or more. This discount can apply up until you turn 25.
• Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
• Save with a New Car – Putting insurance on a new Viper is cheaper because new model year vehicles have to meet stringent safety requirements.
• Distant Student Discount – Any of your kids who live away from home to go to college and don’t have a car may be insured at a cheaper rate.
• Theft Deterrent – Cars and trucks equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.

As a sidenote, some credits don’t apply to the entire policy premium. Most only reduce the price of certain insurance coverages like comp or med pay. Even though it appears you would end up receiving a 100% discount, companies don’t profit that way.

The example below shows the comparison of Dodge Viper yearly insurance costs with and without discounts applied to the rates. The data assumes a female driver, no accidents or driving violations, New Jersey state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, claim-free, multi-policy, and multi-car discounts applied.

Auto insurance companies who might offer some of the discounts shown above include:

• GEICO
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

Check with all the companies which discounts can lower your rates. Savings may not apply to policyholders in Jersey City. To locate car insurance companies who offer discounts in New Jersey, click here to view.

Getting cheap insurance pricing can be relatively painless. You just need to invest a little time comparing price quotes online from several insurance companies.

It’s so simple to compare insurance price quotes online replaces the need to waste gas driving to each insurance agency near you. The fact that you can get quotes online eliminates this option unless your situation requires the professional assistance of a local agent. However, consumers can price shop online but purchase the actual policy in an agency.

The companies shown below are our best choices to provide price quotes in Jersey City, NJ. If multiple companies are listed, we recommend you visit as many as you can to find the most competitive auto insurance rates.

Dodge Viper insurance charts and tables

The premium information shown below outlines detailed analysis of insurance rates for Dodge Viper models. Having insight into how car insurance premiums are figured can help you make decisions on the best policy coverages.

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in vehicle location which can alter auto insurance rates substantially.

Policy deductibles

One of the more difficult decisions when buying car insurance is where to set your physical damage deductibles. The following tables approximate the premium difference between low and high comp and collision deductibles. The first rate table uses a $250 deductible and the second set of rates uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in your specific Jersey City location which can alter prices substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost in the ballpark of $66 more each month or $792 every year than selecting the higher $1,000 deductible. Because you would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 11 months between claim filings, you would save money going with the higher deductible. The table below illustrates how you can make your own decision.

One big caveat is that increasing deductibles to lower your rates results in having to pay to pay more out-of-pocket at claim time. You need some extra savings in the event you need to pay the deductible for vehicle repair.

Reckless driving habits raise Jersey City car insurance rates

The chart below shows how traffic citations and accidents can affect Dodge Viper auto insurance costs for different age categories. The price estimates are based on a married female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.

When should I talk to a local insurance agent?

A lot of people still prefer to buy from a local agent and that is not a bad decision Professional agents are trained risk managers and help you file claims. A good thing about price shopping on the web is that drivers can save money and get better rates but also keep your business local.

To find an agent, once you fill out this quick form, your insurance data is instantly submitted to agents in your area who will return price quotes and help you find cheaper coverage. There is no reason to contact any insurance agencies since price quotes are sent to you. If you need to quote rates from a specific car insurance provider, you just need to go to their quote page and submit a quote form there.

Selecting an company is decision based upon more than just the premium amount. Some important questions to ask are:

• How long have they worked with personal auto insurance coverage?
• Is there a Errors and Omissions policy in force?
• Are they involved in claim handling?
• How long has their agency been in business in Jersey City?
• Do they review policy coverages at every renewal?
• Does the agency have a positive business rating?
• Will you work with the agent or an assistant?
• Can they give you a list of client referrals?

If you want to buy car insurance from local Jersey City agents, it’s helpful to know the different types of agents and how they work. Jersey City agents can be categorized as either exclusive or independent. Either one can sell and service car insurance coverage, but it is important to understand how they differ because it can influence which type of agent you select.

Exclusive Agents

Agents in the exclusive channel can only provide one company’s prices and some examples include Farmers Insurance, State Farm, or Allstate. They generally cannot provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are very knowledgeable on their company’s products which helps overcome the inability to quote other rates.

The following is a short list of exclusive insurance agencies in Jersey City that can give you price quote information.

More insurance agents

Independent Car Insurance Agents

Independent agencies can sell policies from many different companies so they can insure your vehicles with many different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they can switch companies in-house which makes it simple for you. If you need cheaper car insurance rates, you need to get insurance quotes from several independent insurance agents to get the best comparison.

The following is a list of independent agencies in Jersey City willing to provide comparison quotes.

More insurance agents

Upon getting positive responses for all questions you ask as well as low cost Dodge Viper insurance quotes, you may have just found an insurance agency that is reputable and can service your policy.

Be persistent to save money

When buying insurance coverage, don’t be tempted to reduce coverage to reduce premium. There have been many situations where an accident victim reduced full coverage only to find out that it was a big mistake. Your focus should be to find the BEST coverage at the best cost, but do not sacrifice coverage to save money.

We just covered quite a bit of information on how to reduce Dodge Viper insurance premium rates online in Jersey City. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding inexpensive Jersey City car insurance quotes. You may even discover the most savings is with a small mutual company. Regional companies may have significantly lower prices on certain market segments as compared to the big name companies such as Progressive or GEICO.

Cheaper Dodge Viper insurance in Jersey City can be found on the web and from local agencies, so you need to quote Jersey City car insurance with both in order to have the best price selection to choose from. Some companies do not offer price quotes online and these small, regional companies sell through independent insurance agents.

More resources

• Side Impact Crash Tests (iihs.org)
• Who Has the Cheapest Auto Insurance Quotes for a Dodge Ram in Jersey City? (FAQ)
• Who Has Affordable Car Insurance Rates for a Ford Explorer in Jersey City? (FAQ)
• Who Has the Cheapest Jersey City Car Insurance for Drivers with Accidents? (FAQ)
• Who Has Cheap Jersey City Car Insurance Rates for a Kia Optima? (FAQ)
• What Car Insurance is Cheapest for a Hyundai Sonata in Jersey City? (FAQ)
• Who Has Cheap Jersey City Car Insurance Rates for a Toyota Highlander? (FAQ)
• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Bodily Injury Coverage (Liberty Mutual)
• Neck Injury FAQ (iihs.org)