If you want to find the absolute lowest rates, then the best way to quote cheaper car insurance rates in Jersey City is to compare prices at least once a year from insurers who provide car insurance in New Jersey.
First, take a few minutes and learn about car insurance and the things you can change to prevent expensive coverage. Many rating criteria that cause rate increases such as speeding tickets, careless driving and an unacceptable credit rating can be eliminated by making small lifestyle or driving habit changes. Keep reading for more ideas to find cheap prices and get additional discounts that may have been overlooked.
Second, request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like GEICO and State Farm, while independent agents can provide rate quotes for a wide range of companies. View companies
Third, compare the price quotes to your existing rates to see if cheaper Terrain coverage is available. If you find a better price and switch companies, make sure there is no lapse in coverage.
One important bit of advice is to use identical coverages on each quote and and to compare as many companies as you can. This provides an accurate price comparison and many rates to choose from.
It’s a fact that car insurance companies don’t want customers comparing rates. Drivers who compare other rates will probably buy a new policy because they have a good chance of finding more affordable rates. A study discovered that people who made a habit of comparing rate quotes saved over $70 a month as compared to drivers who never compared rates.
If finding low prices for car insurance is why you’re reading this, then having a grasp of the best way to compare insurance coverage can help simplify the task of finding more affordable coverage.
Locating the best rates in Jersey City is quite easy if you know the best way to do it. If you have insurance now, you will surely be able to get lower rates using this strategy. Comparison shoppers just have to understand the quickest way to quote multiple rates from multiple carriers.
Companies offering affordable GMC Terrain rate quotes in Jersey City, NJ
The following companies have been selected to offer free rate quotes in New Jersey. To get the cheapest car insurance in Jersey City, we recommend you compare several of them to get a more complete price comparison.
GMC Terrain insurance rates and statistics
The data table shown next highlights different coverage prices for GMC Terrain models. Learning as much as possible about how car insurance premiums are formulated is important for you to make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Terrain SLE 2WD | $322 | $634 | $392 | $24 | $118 | $1,490 | $124 |
| Terrain SLE AWD | $322 | $634 | $392 | $24 | $118 | $1,490 | $124 |
| Terrain SLT 2WD | $364 | $748 | $392 | $24 | $118 | $1,646 | $137 |
| Terrain SLT AWD | $364 | $748 | $392 | $24 | $118 | $1,646 | $137 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Table data does not factor in specific zip code location which can modify prices significantly.
Auto insurance deductibles
One of the hardest decisions when shopping for auto insurance is at what level do you set your deductibles. The data tables below may help you to understand how much more rates are when you buy lower versus higher comp and collision deductibles. The first data table uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Terrain SLE 2WD | $414 | $746 | $408 | $24 | $122 | $1,739 | $145 |
| Terrain SLE AWD | $414 | $746 | $408 | $24 | $122 | $1,739 | $145 |
| Terrain SLT 2WD | $466 | $880 | $408 | $24 | $122 | $1,925 | $160 |
| Terrain SLT AWD | $466 | $880 | $408 | $24 | $122 | $1,925 | $160 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Terrain SLE 2WD | $302 | $504 | $408 | $24 | $122 | $1,360 | $113 |
| Terrain SLE AWD | $302 | $504 | $408 | $24 | $122 | $1,360 | $113 |
| Terrain SLT 2WD | $340 | $594 | $408 | $24 | $122 | $1,488 | $124 |
| Terrain SLT AWD | $340 | $594 | $408 | $24 | $122 | $1,488 | $124 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Table data does not factor in zip code location which can influence premiums noticeably.
Using the data above, we can ascertain that using a $100 deductible costs an average of $34 more each month or $408 each year than selecting the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at least 12 months between claims, you would probably be better off going with the higher deductible.
The illustration below shows how choosing a deductible and can raise or lower GMC Terrain premium costs for different ages of insureds. The data assumes a single male driver, comprehensive and collision coverage, and no other discounts are factored in.
Lower rates by qualifying for discounts
Some insurers don’t always publicize all possible discounts very well, so here is a list some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy Jersey City car insurance online.
- Low Mileage Discounts – Low mileage vehicles may enable drivers to earn better prices on cars that stay parked.
- Drivers Education – Have your child successfully complete driver’s ed class as it will make them better drivers and lower rates.
- Responsible Drivers – Insureds without accidents can save up to 40% or more on their Jersey City car insurance quote compared to rates paid by drivers with frequent claims.
- Save over 55 – If you’re over the age of 55, you are able to get better insurance rates.
- Use Seat Belts – Drivers who require all vehicle occupants to fasten their seat belts can save 10% or more on medical payment and PIP coverage.
- Telematics Discount – Policyholders that allow their insurance company to study driving manner by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate might see lower rates as long as they are good drivers.
Just know that most discounts do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, insurance companies aren’t that generous.
The diagram below compares GMC Terrain insurance premiums with and without discounts being applied to the rates. The premiums are based on a female driver, no claims or driving violations, New Jersey state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, safe-driver, marriage, and homeowner discounts applied.
The best insurance companies and a summarized list of policyholder discounts can be read below.
- Farmers Insurance offers discounts for switch companies, electronic funds transfer, business and professional, homeowner, and pay in full.
- Esurance has savings for Pac-12 alumni, safety device, good student, Switch & Save, claim free, multi-car, and online quote.
- State Farm includes discounts for passive restraint, multiple autos, Drive Safe & Save, student away at school, and good driver.
- GEICO discounts include federal employee, seat belt use, driver training, air bags, anti-theft, membership and employees, and five-year accident-free.
- Allstate policyholders can earn discounts including FullPay discount, EZ pay plan discount, anti-theft, premier discount, early signing, resident student, and safe driver.
When comparing rates, check with all companies you are considering which discounts you qualify for. Discounts may not apply in your area. If you would like to view insurers who offer online GMC Terrain insurance quotes in New Jersey, click this link.
Local Jersey City insurance agencies
A lot of people still like to have an agent’s advice and doing so can bring peace of mind Agents will help you protect your assets and help submit paperwork. One of the benefits of comparing insurance prices online is the fact that you can find lower rates and still buy from a local agent.
By using this short form, your insurance data is immediately sent to agents in your area who will give you quotes for your coverage. There is no reason to contact any agents because quoted prices will be sent to you directly. If you have a need to compare rates for a specific company, you would need to find their quoting web page and fill out their quote form.
Finding the right company requires you to look at more than just a cheap price quote. Get answers to these questions too.
- Will the company cover a rental car if your car is getting fixed?
- Does the company have a solid financial rating?
- Is the agent properly licensed in New Jersey?
- Is coverage determined by price?
- Do they prorate repair cost based on vehicle mileage?
- Where would glass claims be handled in Jersey City?
Auto insurance agents in Jersey City come in two varieties
If you are searching for a reputable agency, you need to know there are two different types of agents and how they differ in how they quote coverages. Jersey City agents can be classified as either independent or exclusive depending on the company they work for. Either type can write insurance policies, but it’s important to know the difference in how they write coverage because it can impact your selection of an agent.
Exclusive Insurance Agencies
Exclusive agents work for only one company such as Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents are unable to place coverage with different providers so you need to shop around if the rates are high. These agents are trained well on the products they sell which helps them sell on service rather than price. Some insured continue to buy from the same agent for years mostly because of the prominence of the brand rather than having low rates.
The following is a short list of exclusive agencies in Jersey City that are able to give comparison quotes.
- Farmers Insurance – Mofalc Meinga
447 Central Ave – Jersey City, NJ 07307 – (201) 435-1616 – View Map - State Farm Insurance – Freddy Duran
1025 Summit Ave – Jersey City, NJ 07307 – (201) 604-3874 – View Map - Allstate Insurance: Emad Soliman
844 Bergen Ave – Jersey City, NJ 07306 – (201) 332-6999 – View Map
Independent Insurance Agents
Agents in the independent channel are normally appointed by many insurers so they can write business through lots of different companies and find the cheapest insurance rates. If your premiums go up, your policy is moved internally and you can keep the same agent.
When comparison shopping, you definitely need to include a couple of independent agencies to get the most accurate price comparison. Most also have access to companies you’ve never heard of that may have much lower rates than larger companies.
Listed below are independent insurance agencies in Jersey City that can give you comparison quotes.
- Arch Insurance
300 Exchange Pl – Jersey City, NJ 07311 – (201) 743-4000 – View Map - Cheap Car Insurance Quotes Auto Newark NJ
268 W KINNEY ST – Newark, NJ 07103 – (888) 290-0635 – View Map - GIM Agency Services Inc
263 Central Ave – Jersey City, NJ 07307 – (201) 792-4188 – View Map
Persistent drivers can save
Consumers who switch companies do it for a variety of reasons including questionable increases in premium, policy cancellation, high prices and even an unsatisfactory settlement offer. Whatever your reason, switching companies is not as hard as you think.
Some insurance providers don’t offer the ability to get quotes online and most of the time these smaller providers sell through local independent agencies. Budget-friendly car insurance in Jersey City can be found online as well as from independent agents in Jersey City, so compare prices from both in order to have the best price selection to choose from.
When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage at the best cost, but don’t skip important coverages to save money.
Additional detailed information is available in these articles:
- Distracted Driving (Insurance Information Institute)
- Who Has the Cheapest Car Insurance Quotes for Government Employees in Jersey City? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Dodge Ram in Jersey City? (FAQ)
- Who Has Cheap Jersey City Car Insurance Rates for a Kia Optima? (FAQ)
- Who Has Cheap Auto Insurance Rates for 4×4 Vehicles in Jersey City? (FAQ)
- Who Has Cheap Jersey City Car Insurance Quotes for State Employees? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Young Drivers in Jersey City? (FAQ)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Eight Auto Insurance Myths (Insurance Information Institute)
- Auto Theft Statistics (Insurance Information Institute)
- Auto Insurance FAQ (Farmers Insurance)